Great Southern Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	285.46	297.18	271.95	205.75	186.27
Interest Income on Investments	28.27	27.52	24.88	21.23	12.4
Total Interest Income	313.73	324.7	296.84	226.98	198.67
Interest Paid on Deposits	94.14	109.71	88.76	20.68	13.1
Interest Paid on Borrowings	19.36	25.85	14.86	6.69	7.65
Total Interest Expense	113.5	135.56	103.62	27.36	20.75
Net Interest Income	200.23	189.14	193.22	199.61	177.92
Net Interest Income Growth (YoY)	5.86%	-2.11%	-3.21%	12.19%	0.44%
Gain (Loss) on Sale of Assets	-	-	-	1.1	-
Gain (Loss) on Sale of Investments	-	-	-	-0.13	-
Other Non-Interest Income	25.78	24.09	27.72	30.59	28.85
Total Non-Interest Income	29.05	27.87	30.07	34.14	38.32
Non-Interest Income Growth (YoY)	4.26%	-7.34%	-11.92%	-10.90%	9.32%
Revenues Before Loan Losses	229.29	217.01	223.29	233.76	216.24
Provision for Loan Losses	0.05	2.72	-3.08	6.19	-5.76
Revenue	229.24	214.29	226.37	227.57	222
Revenue Growth (YoY)	6.98%	-5.33%	-0.53%	2.51%	13.08%
Salaries and Employee Benefits	79.96	76.83	76.9	73.86	69.07
Occupancy Expenses	35.3	30.38	29.09	26.87	27.66
Federal Deposit Insurance	4.45	4.62	4.54	3.2	3.06
Amortization of Goodwill & Intangibles	0.43	0.43	0.29	0.77	0.86
Selling, General & Administrative	14.41	19.14	21.22	20.04	19.82
Other Non-Interest Expense	7.91	8.4	8.67	8.26	6.53
Total Non-Interest Expense	141.94	139.5	141.02	133.37	127.64
EBT Excluding Unusual Items	87.3	74.8	85.34	94.2	94.36
Legal Settlements	-	-2	-	-	-
Other Unusual Items	-	2.7	-	-	-
Pretax Income	87.3	75.5	85.34	94.2	94.36
Income Tax Expense	16.32	13.69	17.54	18.25	19.74
Net Income	70.97	61.81	67.8	75.95	74.63
Net Income to Common	70.97	61.81	67.8	75.95	74.63
Net Income Growth	14.83%	-8.84%	-10.73%	1.77%	25.82%
Basic Shares Outstanding	11	12	12	13	14
Diluted Shares Outstanding	11	12	12	13	14
Shares Change (YoY)	-2.46%	-2.69%	-4.18%	-7.80%	-3.05%
EPS (Basic)	6.23	5.28	5.65	6.07	5.50
EPS (Diluted)	6.19	5.26	5.61	6.02	5.46
EPS Growth	17.68%	-6.24%	-6.81%	10.26%	29.69%
Dividend Per Share	1.660	1.600	1.600	1.560	1.400
Dividend Growth	3.75%	-	2.56%	11.43%	2.94%
Effective Tax Rate	18.70%	18.13%	20.56%	19.38%	20.92%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.