Southern Missouri Bancorp, Inc. (SMBC)

Southern Missouri Bancorp Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	245.94	222.51	162.22	111.5	105.08	102.13
Interest Income on Investments	25.45	25.86	14.19	5.37	4.4	4.92
Total Interest Income	271.39	248.38	176.42	116.87	109.48	107.05
Interest Paid on Deposits	115.45	102.16	44.39	11.82	14.89	24.08
Interest Paid on Borrowings	6.56	6.74	5.28	1.48	1.9	2.83
Total Interest Expense	122.02	108.89	49.67	13.3	16.79	26.92
Net Interest Income	149.38	139.48	126.75	103.57	92.69	80.14
Net Interest Income Growth (YoY)	6.24%	10.05%	22.38%	11.74%	15.66%	10.10%
Trust Income	3.31	3.17	2.18	1.81	-	-
Gain (Loss) on Sale of Investments	0.05	-1.49	-	-	0.09	-
Other Non-Interest Income	15.96	15.06	15.48	11.34	10.72	6.74
Total Non-Interest Income	28.47	24.84	26.2	21.2	20.04	14.05
Non-Interest Income Growth (YoY)	9.40%	-5.19%	23.59%	5.79%	42.61%	10.25%
Revenues Before Loan Losses	177.85	164.33	152.95	124.77	112.73	94.19
Provision for Loan Losses	4.92	3.6	17.06	1.49	-1.02	6
Revenue	172.93	160.73	135.89	123.28	113.75	88.19
Revenue Growth (YoY)	6.00%	18.28%	10.22%	8.38%	28.99%	5.62%
Salaries and Employee Benefits	54.51	52.22	46.06	34.91	30.46	28.91
Occupancy Expenses	14	13.19	10.5	9.25	7.88	7.29
Federal Deposit Insurance	2.37	2.46	1.47	0.74	0.77	0.16
Amortization of Goodwill & Intangibles	3.7	4.07	2.63	1.44	1.4	1.77
Selling, General & Administrative	18.84	18.23	18.01	11.65	9.59	9.87
Other Non-Interest Expense	7.52	7.29	7.66	4.86	3.81	5.47
Total Non-Interest Expense	101.11	97.62	86.43	63.38	54.05	54.45
EBT Excluding Unusual Items	71.82	63.11	49.46	59.9	59.71	33.74
Other Unusual Items	-	-	-	-	-	0.7
Pretax Income	71.82	63.11	49.46	59.9	59.71	34.43
Income Tax Expense	15.5	12.93	10.23	12.74	12.53	6.89
Net Income	56.32	50.18	39.24	47.17	47.18	27.55
Preferred Dividends & Other Adjustments	0.28	0.26	0.19	0.2	0.15	-
Net Income to Common	56.04	49.93	39.05	46.97	47.03	27.55
Net Income Growth	7.87%	27.89%	-16.82%	-0.02%	71.28%	-4.70%
Basic Shares Outstanding	11	11	10	9	9	9
Diluted Shares Outstanding	11	11	10	9	9	9
Shares Change (YoY)	-0.36%	11.43%	12.55%	0.01%	-2.05%	-0.05%
EPS (Basic)	4.99	4.42	3.86	5.22	5.22	3.00
EPS (Diluted)	4.99	4.42	3.85	5.21	5.22	2.99
EPS Growth	8.49%	14.80%	-26.10%	-0.19%	74.58%	-4.78%
Dividend Per Share	0.900	0.840	0.840	0.800	0.620	0.600
Dividend Growth	7.14%	-	5.00%	29.03%	3.33%	15.38%
Effective Tax Rate	21.57%	20.48%	20.67%	21.26%	20.98%	20.00%

Updated Feb 10, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q