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	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	239.24	222.51	162.22	111.5	105.08	102.13
Interest Income on Investments	26.26	25.86	14.19	5.37	4.4	4.92
Total Interest Income	265.49	248.38	176.42	116.87	109.48	107.05
Interest Paid on Deposits	114.68	102.16	44.39	11.82	14.89	24.08
Interest Paid on Borrowings	6.41	6.74	5.28	1.48	1.9	2.83
Total Interest Expense	121.09	108.89	49.67	13.3	16.79	26.92
Net Interest Income	144.41	139.48	126.75	103.57	92.69	80.14
Net Interest Income Growth (YoY)	3.25%	10.05%	22.38%	11.74%	15.66%	10.10%
Trust Income	3.28	3.17	2.18	1.81	-	-
Gain (Loss) on Sale of Investments	-0.81	-1.49	-	-	0.09	-
Other Non-Interest Income	15.99	15.06	15.48	11.34	10.72	6.74
Total Non-Interest Income	27.39	24.84	26.2	21.2	20.04	14.05
Non-Interest Income Growth (YoY)	2.49%	-5.19%	23.59%	5.79%	42.61%	10.25%
Revenues Before Loan Losses	171.8	164.33	152.95	124.77	112.73	94.19
Provision for Loan Losses	4.89	3.6	17.06	1.49	-1.02	6
Revenue	166.91	160.73	135.89	123.28	113.75	88.19
Revenue Growth (YoY)	8.43%	18.28%	10.22%	8.38%	28.99%	5.62%
Salaries and Employee Benefits	54.49	52.22	46.06	34.91	30.46	28.91
Occupancy Expenses	13.46	13.19	10.5	9.25	7.88	7.29
Federal Deposit Insurance	2.38	2.46	1.47	0.74	0.77	0.16
Amortization of Goodwill & Intangibles	3.83	4.07	2.63	1.44	1.4	1.77
Selling, General & Administrative	19.15	18.23	18.01	11.65	9.59	9.87
Other Non-Interest Expense	7.27	7.29	7.66	4.86	3.81	5.47
Total Non-Interest Expense	100.77	97.62	86.43	63.38	54.05	54.45
EBT Excluding Unusual Items	66.14	63.11	49.46	59.9	59.71	33.74
Other Unusual Items	-	-	-	-	-	0.7
Pretax Income	66.14	63.11	49.46	59.9	59.71	34.43
Income Tax Expense	14.19	12.93	10.23	12.74	12.53	6.89
Net Income	51.95	50.18	39.24	47.17	47.18	27.55
Preferred Dividends & Other Adjustments	0.27	0.26	0.19	0.2	0.15	-
Net Income to Common	51.68	49.93	39.05	46.97	47.03	27.55
Net Income Growth	19.93%	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)	0.82%	11.43%	12.55%	0.00%	-2.05%	-0.05%
EPS (Basic)	4.59	4.42	3.86	5.22	5.22	3.00
EPS (Diluted)	4.59	4.42	3.85	5.21	5.22	2.99
EPS Growth	19.21%	14.81%	-26.10%	-0.19%	74.58%	-4.78%
Dividend Per Share	0.880	0.840	0.840	0.800	0.620	0.600
Dividend Growth	4.76%	0%	5.00%	29.03%	3.33%	15.38%
Effective Tax Rate	21.46%	20.48%	20.67%	21.26%	20.98%	20.00%

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