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	Sep 30, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	231.29	222.51	162.22	111.5	105.08	102.13
Interest Income on Investments	26.36	25.86	14.19	5.37	4.4	4.92
Total Interest Income	257.65	248.38	176.42	116.87	109.48	107.05
Interest Paid on Deposits	110.59	102.16	44.39	11.82	14.89	24.08
Interest Paid on Borrowings	6.31	6.74	5.28	1.48	1.9	2.83
Total Interest Expense	116.9	108.89	49.67	13.3	16.79	26.92
Net Interest Income	140.75	139.48	126.75	103.57	92.69	80.14
Net Interest Income Growth (YoY)	5.33%	10.05%	22.38%	11.74%	15.66%	10.10%
Trust Income	3.1	3.17	2.18	1.81	-	-
Gain (Loss) on Sale of Investments	-1.49	-1.49	-	-	0.09	-
Other Non-Interest Income	15.9	15.06	15.48	11.34	10.72	6.74
Total Non-Interest Income	26.17	24.84	26.2	21.2	20.04	14.05
Non-Interest Income Growth (YoY)	-1.42%	-5.19%	23.59%	5.79%	42.61%	10.25%
Revenues Before Loan Losses	166.92	164.33	152.95	124.77	112.73	94.19
Provision for Loan Losses	4.86	3.6	17.06	1.49	-1.02	6
Revenue	162.06	160.73	135.89	123.28	113.75	88.19
Revenue Growth (YoY)	10.04%	18.28%	10.22%	8.38%	28.99%	5.62%
Salaries and Employee Benefits	54.18	52.22	46.06	34.91	30.46	28.91
Occupancy Expenses	13.35	13.19	10.5	9.25	7.88	7.29
Federal Deposit Insurance	2.39	2.46	1.47	0.74	0.77	0.16
Amortization of Goodwill & Intangibles	3.95	4.07	2.63	1.44	1.4	1.77
Selling, General & Administrative	18.68	18.23	18.01	11.65	9.59	9.87
Other Non-Interest Expense	7.05	7.29	7.66	4.86	3.81	5.47
Total Non-Interest Expense	99.75	97.62	86.43	63.38	54.05	54.45
EBT Excluding Unusual Items	62.31	63.11	49.46	59.9	59.71	33.74
Other Unusual Items	-	-	-	-	-	0.7
Pretax Income	62.31	63.11	49.46	59.9	59.71	34.43
Income Tax Expense	12.82	12.93	10.23	12.74	12.53	6.89
Net Income	49.49	50.18	39.24	47.17	47.18	27.55
Preferred Dividends & Other Adjustments	0.26	0.26	0.19	0.2	0.15	-
Net Income to Common	49.23	49.93	39.05	46.97	47.03	27.55
Net Income Growth	15.67%	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)	5.84%	11.43%	12.55%	0.00%	-2.05%	-0.05%
EPS (Basic)	4.37	4.42	3.86	5.22	5.22	3.00
EPS (Diluted)	4.36	4.42	3.85	5.21	5.22	2.99
EPS Growth	9.21%	14.81%	-26.10%	-0.19%	74.58%	-4.78%
Dividend Per Share	0.860	0.840	0.840	0.800	0.620	0.600
Dividend Growth	2.38%	0%	5.00%	29.03%	3.33%	15.38%
Effective Tax Rate	20.57%	20.48%	20.67%	21.26%	20.98%	20.00%

Source: S&P Capital IQ. Banks template. Financial Sources.