← SOUTHERN MISSOURI BANCORP, INC.
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $14.8m | $15.6m | $20.9m | $28.9m | $27.5m | $47.2m | $47.2m | $39.2m | $50.2m | $58.6m | — | |
| Amortization | — | — | ($1.7m) | — | — | — | — | — | — | — | $3.5m | |
| Amortization of Intangible Assets | $1.0m | $911k | $1.5m | $1.7m | $1.8m | $1.4m | $1.4m | $2.6m | $4.1m | $3.5m | — | |
| Depreciation | $2.5m | $3.0m | $3.1m | $3.4m | $3.8m | $4.0m | $4.5m | $4.9m | $6.0m | $6.5m | $6.5m | |
| Net accretion (amortization) of premiums and discounts on securities | $827k | $1.0m | $994k | $846k | $1.3m | $1.6m | $1.2m | $776k | ($842k) | ($1.5m) | — | |
| Deferred Income Tax Expense (Benefit) | — | — | ($530k) | $75k | ($3k) | $1.7m | ($617k) | ($974k) | $694k | $694k | — | |
| Deferred income taxes | $475k | $964k | ($1.8m) | $75k | $26k | $1.7m | ($617k) | ($974k) | $414k | $40k | — | |
| Goodwill, Impairment Loss | — | — | — | — | — | $0 | $0 | $0 | $0 | $0 | — | |
| Impairment of Intangible Assets, Finite-lived | — | — | — | — | — | $0 | $0 | $0 | $0 | $0 | — | |
| Accounts payable and other liabilities | ($812k) | $622k | ($309k) | $6.0m | $1.2m | ($47k) | $5.0m | $580k | ($141k) | $6.2m | $7.5m | |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | — | $14.1m | $6.6m | $5.8m | — | |
| Accrued interest receivable | ($344k) | ($314k) | ($797k) | ($459k) | ($1.8m) | $2.0m | ($391k) | ($5.4m) | ($5.0m) | ($2.2m) | — | |
| Accrued interest payable | ($57k) | $138k | $265k | $795k | ($453k) | ($867k) | ($147k) | $3.4m | $8.1m | $1.3m | — | |
| Prepaid expenses and other assets | $379k | $2.7m | $7.9m | $56k | $4.6m | $1.8m | $9.7m | $5.4m | $8.9m | $6.7m | — | |
| Purchases of long-term investments and other assets | — | — | — | — | — | ($40k) | ($383k) | ($195k) | ($410k) | ($612k) | — | |
| Net Cash Provided by (Used in) Operating Activities | $17.7m |
$25.6m
+45.00%
|
$30.6m
+19.62%
|
$38.6m
+25.97%
|
$40.3m
+4.40%
|
$51.8m
+28.44%
|
$67.3m
+30.10%
|
$62.0m
-7.90%
|
$70.3m
+13.29%
|
$81.6m
+16.07%
|
$81.6m
0.00%
|
|
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Property, Plant, and Equipment | ($9.8m) | ($3.0m) | ($2.1m) | $7.7m | $4.3m | $2.9m | $4.6m | $6.0m | $9.0m | $6.3m | ($6.3m) | |
| Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property | — | — | ($206k) | — | — | — | — | — | — | ($73k) | ($726k) | |
| (Gain) loss on sale/write-down of foreclosed property | — | — | ($45k) | $267k | $802k | $55k | $460k | ($44k) | $74k | ($56k) | — | |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $23.9m | $22.5m | $25.0m | $30.0m | $51.6m | $57.7m | $40.5m | $35.4m | $42.3m | $68.6m | — | |
| Debt Securities, Realized Gain (Loss) | — | — | — | — | — | $90k | — | — | ($1.5m) | $48k | — | |
| Payments to Acquire Investments | — | — | — | — | $5.1m | $40k | — | — | — | — | ($96.2m) | |
| Investments in state & federal tax credits | ($352k) | ($1.9m) | ($5.1m) | ($2.2m) | ($5.1m) | ($5.3m) | ($11.3m) | ($7.9m) | ($7.4m) | ($3.3m) | — | |
| Net Cash Provided by (Used in) Investing Activities | ($100.3m) | ($123.1m) | ($108.5m) | ($113.0m) | ($272.4m) | ($101.9m) | ($303.9m) | ($213.4m) | ($245.7m) | ($285.1m) | ($285.1m) | |
| Cash flows from financing activities: | ||||||||||||
| Repayments of Long-term Debt | — | ($15.7m) | $0 | $4.4m | — | — | — | — | — | — | ($258.1m) | |
| Proceeds from Issuance of Long-term Debt | — | $15.0m | $0 | $0 | — | — | — | — | — | — | $260.0m | |
| Proceeds from Issuance of Common Stock | — | $24.1m | $0 | — | — | — | — | — | $1k | — | $0 | |
| Common stock issued | $0 | $24.1m | $0 | $0 | — | — | $22.9m | $98.3m | $1k | — | — | |
| Dividends paid on common stock | ($3) | ($3) | ($4) | ($5) | ($6) | ($6) | ($7) | ($9) | ($10) | ($10) | ($10.4m) | |
| Less: common stock issued | — | — | $13.0m | $10.8m | — | — | $267.9m | $98.3m | — | — | — | |
| Dividends paid | — | — | — | — | $6 | $6 | $7 | $9 | $10 | $10 | ($10.4m) | |
| Payments of Dividends | — | — | — | — | $6 | $6 | $7 | $9 | $10 | $10 | ($10.4m) | |
| Other Interest and Dividend Income | $35k | $29k | $69k | $127k | $129k | $226k | $437k | $1.9m | $4.4m | $4.1m | — | |
| Net Cash Provided by (Used in) Financing Activities | $88.4m |
$105.7m
+19.56%
|
$73.4m
-30.60%
|
$83.5m
+13.75%
|
$250.9m
+200.61%
|
$119.5m
-52.37%
|
$199.8m
+67.19%
|
$118.6m
-40.67%
|
$182.4m
+53.85%
|
$335.5m
+83.95%
|
$335.5m
0.00%
|
|
| Increase (decrease) in cash and cash equivalents | $5.8m | $8.2m | ($4.5m) | $9.1m | $18.8m | $69.3m | ($36.8m) | ($32.8m) | $6.9m | $132.0m | — | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | — | — | — | — | $18.8m | $69.3m | ($36.8m) | ($32.8m) | $6.9m | $132.0m | $192.9m | |
| Cash and cash equivalents at beginning of period | $16.8m | $22.6m | $30.8m | $26.3m | $35.4m | $54.2m | $86.8m | $54.0m | $60.9m | $192.9m | — | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | — | — | — | — | $86.8m | $54.0m | $60.9m | $192.9m | $192.9m | |
| Additional Supplementary Disclosures | ||||||||||||
| Additional Supplementary Disclosures | ||||||||||||
| Provision for Loan, Lease, and Other Losses | $2.5m | — | — | — | — | — | — | — | — | — | $6.5m | |
| Bank Owned Life Insurance Income | $928k | $1.1m | $947k | $1.3m | $1.0m | $1.8m | $1.2m | $1.5m | $1.9m | $2.1m | — | |
| Gain (Loss) on Sales of Loans, Net | $641k | $840k | $804k | $771k | $1.6m | $4.0m | $1.6m | $875k | $713k | $751k | — | |
| Proceeds from Stock Options Exercised | $99k | $61k | $172k | $0 | $64k | — | — | — | $391k | — | — | |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating Activities | — | — | $3.0m | $4.3m | $3.8m | $2.7m | $2.1m | $5.6m | $7.7m | $8.1m | — | |
| Income Taxes Paid, Net | $6.7m | $6.1m | $7.8m | — | — | — | — | — | — | — | — | |
| Additional Financial Items | ||||||||||||
| Goodwill | $4.6m | $8.6m | $13.1m | $14.1m | $14.1m | $14.1m | $27.3m | $50.8m | $50.7m | $50.7m | — | |
| Income Tax Expense (Benefit) | — | — | $8.3m | $7.0m | $6.9m | $12.5m | $12.7m | $10.2m | $12.9m | $15.4m | — | |
| Operating Lease, Expense | — | — | — | — | $214k | $340k | $451k | $720k | $1.2m | — | — | |
| Operating Lease, Lease Income | — | — | — | — | — | — | — | — | — | $432k | — | |
| Financing Receivable, Credit Loss, Expense (Reversal) | — | — | — | — | — | ($602k) | ($66k) | — | $3.6m | $6.5m | — | |
| Stock or Unit Option Plan Expense | — | — | $230k | — | — | ($142k) | ($165k) | ($255k) | ($333k) | ($369k) | — | |
| Loss (gain) on disposal of fixed assets | $74k | $332k | ($206k) | $29k | $482k | $80k | $3k | ($444k) | — | $73k | — | |
| Stock option and stock grant expense | $385k | $510k | $230k | $374k | $430k | $550k | $697k | $839k | ($1.0m) | $1.7m | — | |
| Accretion of purchase accounting adjustments | — | — | ($1.7m) | ($2.9m) | ($1.4m) | ($1.5m) | ($1.6m) | ($3.7m) | ($5.3m) | ($3.9m) | — | |
| Increase in cash surrender value of bank owned life insurance (BOLI) | ($928k) | ($1.1m) | ($947k) | ($1.3m) | ($1.0m) | ($1.8m) | ($1.2m) | ($1.5m) | ($1.9m) | ($2.1m) | — | |
| Provision for credit losses | $2.5m | $2.3m | $3.0m | $2.0m | $6.0m | ($1.0m) | $1.5m | $17.1m | $3.6m | $6.5m | — | |
| (Gain) loss realized on sale of AFS securities | — | — | ($334k) | ($244k) | — | ($90k) | — | — | $1.5m | ($48k) | — | |
| Originations of loans held for sale | ($22.9m) | ($33.1m) | ($29.7m) | ($30.8m) | ($72.2m) | ($151.2m) | ($42.8m) | ($21.4m) | ($21.9m) | ($22.2m) | — | |
| Proceeds from sales of loans held for sale | $22.1m | $33.7m | $29.4m | $30.6m | $70.9m | $151.8m | $44.0m | $21.5m | $22.0m | $23.2m | — | |
| Gain on sales of loans held for sale | ($641k) | ($840k) | ($804k) | ($771k) | ($1.6m) | ($4.0m) | ($1.6m) | ($875k) | ($713k) | ($751k) | — | |
| Net increase in loans | ($82.5m) | ($112.4m) | ($99.5m) | ($139.1m) | ($246.9m) | ($62.9m) | ($281.5m) | ($447.2m) | ($228.4m) | ($254.9m) | — | |
| Net change in interest-bearing deposits | $1.2m | $723k | $249k | $983k | ($2k) | ($7k) | ($1.5m) | $1.2m | $744k | $248k | — | |
| Proceeds from maturities of available for sale securities | $23.9m | $22.5m | $25.0m | $30.0m | $51.6m | $57.7m | $40.5m | $35.4m | $42.3m | $68.6m | — | |
| Proceeds from sales of available for sale securities | $6.3m | — | — | — | — | $16.3m | — | $136.7m | $32.2m | $72k | — | |
| Net (purchases) redemptions of Federal Home Loan Bank stock | ($1.9m) | $2.5m | ($1.8m) | $1.5m | ($1.1m) | $517k | $691k | ($4.5m) | $2.8m | ($648k) | — | |
| Purchases of Federal Reserve Bank of St. Louis stock | — | ($14k) | ($1.2m) | ($785k) | ($13k) | ($668k) | ($759k) | ($3.3m) | ($28k) | ($50k) | — | |
| Purchases of available-for-sale securities | ($29.3m) | ($31.5m) | ($44.1m) | ($31.2m) | ($55.5m) | ($108.1m) | ($96.1m) | ($132.0m) | ($79.8m) | ($92.3m) | — | |
| Net cash received in acquisition | — | — | — | — | — | — | $48.8m | $208.3m | — | — | — | |
| Proceeds from sale of fixed assets | $14k | $15k | $2.0m | $32k | $349k | $580k | $928k | $3.7m | $15k | — | — | |
| Proceeds from sale of foreclosed assets | $1.7m | $835k | $1.4m | $2.3m | $1.6m | $1.4m | $1.4m | $2.0m | $1.3m | $4.0m | — | |
| Proceeds from BOLI claim | $549k | $848k | $0 | $544k | — | $1.4m | — | $270k | — | — | — | |
| Net increase (decrease) in demand deposits and savings accounts | $69.0m | $115.3m | $82.6m | $40.7m | $249.3m | $257.9m | $273.4m | ($245.1m) | ($53.8m) | $25.2m | — | |
| Net increase in certificates of deposits | ($3.3m) | $52.9m | ($26.4m) | $102.6m | ($4.8m) | ($111.9m) | ($31.2m) | $304.5m | $280.8m | $313.2m | — | |
| Net increase (decrease) in securities sold under agreements to repurchase | ($247k) | ($16.9m) | ($6.9m) | $1.1m | ($4.4m) | — | — | ($27.6m) | — | $5.6m | — | |
| Proceeds from Federal Home Loan Bank advances | $396.1m | $1.4b | $1.5b | $591.5m | $640.9m | $110.1m | — | $1.9b | $303.2m | $260.0m | — | |
| Repayments of Federal Home Loan Bank advances | ($350.4m) | ($1.4b) | ($1.5b) | ($642.0m) | ($615.9m) | ($122.6m) | ($29.3m) | ($1.8b) | ($334.8m) | ($258.1m) | — | |
| Exercise of stock options | $99k | $61k | $172k | $0 | $64k | — | — | — | $391k | — | — | |
| Purchase of treasury stock | — | $0 | $0 | ($1.2m) | ($5.8m) | ($8.3m) | ($5.8m) | — | ($3.9m) | — | — | |
| Conversion of loans to foreclosed real estate | $537k | $890k | $1.9m | $2.1m | $1.1m | $748k | $127k | $1.1m | $1.4m | $625k | — | |
| Conversion of foreclosed real estate to loans | $185k | $128k | $112k | $51k | — | — | — | $960k | — | — | — | |
| Conversion of loans to repossessed assets | $194k | $130k | $54k | $66k | $210k | $461k | $26k | $108k | $209k | $98k | — | |
| Right of use (ROU) assets obtained in exchange for lease obligations: Operating Leases | — | — | — | — | $2.0m | $804k | $95k | $216k | $2.3m | $322k | — | |
| Fair value of assets acquired | — | $193.3m | $91.0m | $216.8m | $70.6m | — | $1.7m | $1.0b | — | — | — | |
| Cash paid | — | — | — | — | $21.9m | — | $39.8m | $34.9m | — | — | — | |
| Liabilities assumed | — | $171.2m | $74.2m | $194.7m | $48.5m | — | $261.2m | $886.6m | — | — | — | |
| Interest (net of interest credited) | $3.0m | $3.1m | $3.0m | $4.3m | $3.8m | $2.7m | $2.1m | $5.6m | $7.7m | $8.1m | — | |
| Income taxes | $4.7m | $3.1m | $1.6m | $2.9m | $2.4m | $9.2m | $361k | $4.3m | $2.3m | $7.5m | — |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.