← 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TOTAL INTEREST INCOME | $56.3m |
$61.5m
+9.18%
|
$77.2m
+25.51%
|
$97.5m
+26.31%
|
$107.1m
+9.82%
|
$109.5m
+2.26%
|
$116.9m
+6.75%
|
$176.4m
+50.95%
|
$248.4m
+40.79%
|
$277.4m
+11.67%
|
||
| Noninterest income: | ||||||||||||
| TOTAL NONINTEREST INCOME | $9.8m | $11.1m | $13.9m | $15.2m | $14.8m | $20.0m | $21.2m | $26.2m | $24.8m | $28.0m | ||
| NET INTEREST INCOME | $47.0m |
$51.1m
+8.88%
|
$62.4m
+22.03%
|
$72.8m
+16.67%
|
$80.1m
+10.10%
|
$92.7m
+15.66%
|
$103.6m
+11.74%
|
$126.7m
+22.38%
|
$139.5m
+10.05%
|
$154.6m
+10.85%
|
$172.8m
+11.79%
|
|
| Interest Income (Expense), Net | $47.0m |
$51.1m
+8.88%
|
$62.4m
+22.03%
|
$72.8m
+16.67%
|
$80.1m
+10.10%
|
$92.7m
+15.66%
|
$103.6m
+11.74%
|
$126.7m
+22.38%
|
$139.5m
+10.05%
|
$154.6m
+10.85%
|
$289.0m
+86.91%
|
|
| Amortization of Intangible Assets | $1.0m | $911k | $1.5m | $1.7m | $1.8m | $1.4m | $1.4m | $2.6m | $4.1m | $3.5m | — | |
| Operating Lease, Expense | — | — | — | — | $214k | $340k | $451k | $720k | $1.2m | — | — | |
| Operating Lease, Lease Income | — | — | — | — | — | — | — | — | — | $432k | — | |
| Noninterest expense: | ||||||||||||
| TOTAL NONINTEREST EXPENSE | $32.7m | $38.3m | $44.5m | $50.0m | $54.5m | $54.0m | $63.4m | $86.4m | $97.6m | $102.1m | ||
| Interest expense: | ||||||||||||
| Interest Expense, Debt | $568k | $648k | $767k | $921k | $788k | $534k | $686k | $1.4m | $1.7m | $1.6m | $116.1m | |
| Total interest expense | $9.4m | $10.4m | $14.8m | $24.7m | $26.9m | $16.8m | $13.3m | $49.7m | $108.9m | $122.7m | — | |
| Interest income: | ||||||||||||
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $44.5m |
$48.8m
+9.73%
|
$59.3m
+21.64%
|
$70.8m
+19.24%
|
$74.1m
+4.78%
|
$93.7m
+26.41%
|
$102.1m
+8.93%
|
$109.7m
+7.45%
|
$135.9m
+23.89%
|
$148.1m
+8.99%
|
$172.8m
+16.72%
|
|
| Debt Securities, Realized Gain (Loss) | — | — | — | — | — | $90k | — | — | ($1.5m) | $48k | — | |
| Other Income | $683k | $446k | $727k | $964k | $1.3m | $1.8m | $3.9m | $5.7m | $2.0m | $1.2m | — | |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $21.5m | $21.6m | $28.7m | $36.0m | $34.4m | $59.7m | $59.9m | $49.5m | $63.1m | $74.0m | $87.1m | |
| TOTAL INCOME TAXES | $6.7m | $6.1m | $8.3m | $7.0m | $6.9m | $12.5m | $12.7m | $10.2m | $12.9m | $15.4m | ||
| Net Income (Loss) from Continuing Operations Available to Common Shareholders, Basic | $14.8m | $15.6m | $20.9m | $28.9m | $27.5m | $47.0m | $47.0m | $39.0m | $49.9m | $58.3m | $71.5m | |
| Net Income (Loss) Attributable to Parent | $14.8m |
$15.6m
+4.74%
|
$20.9m
+34.57%
|
$28.9m
+38.11%
|
$27.5m
-4.70%
|
$47.2m
+71.28%
|
$47.2m
-0.02%
|
$39.2m
-16.82%
|
$50.2m
+27.89%
|
$58.6m
+16.73%
|
$71.5m
+22.10%
|
|
| Undistributed Earnings (Loss) Allocated to Participating Securities, Basic | — | — | — | — | — | ($135k) | ($165k) | $150k | $208k | $217k | — | |
| Earnings Per Share, Basic | $1.99 | $2.08 | $2.40 | $3.14 | $3.00 | $5.22 | $5.22 | $3.86 | $4.42 | $5.19 | $6.44 | |
| Earnings Per Share, Diluted | $1.98 | $2.07 | $2.39 | $3.14 | $2.99 | $5.22 | $5.21 | $3.85 | $4.42 | $5.18 | $6.42 | |
| Weighted Average Number of Shares Outstanding, Basic | — | — | 8.7m | 9.2m | 9.2m | 9.0m | 9.0m | 10.1m | 11.3m | 11.2m | 11.1m | |
| Additional Financial Items | ||||||||||||
| Other Interest and Dividend Income | $35k | $29k | $69k | $127k | $129k | $226k | $437k | $1.9m | $4.4m | $4.1m | — | |
| Bank Owned Life Insurance Income | $928k | $1.1m | $947k | $1.3m | $1.0m | $1.8m | $1.2m | $1.5m | $1.9m | $2.1m | — | |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | — | $14.1m | $6.6m | $5.8m | — | |
| Goodwill, Impairment Loss | — | — | — | — | — | $0 | $0 | $0 | $0 | $0 | — | |
| Loans | $52.9m | $58.0m | $73.1m | $92.3m | $102.1m | $105.1m | $111.5m | $162.2m | $222.5m | $250.8m | — | |
| Investment securities | $2.0m | $2.0m | $2.2m | $2.3m | $2.0m | $2.1m | $2.2m | $5.3m | $6.9m | $5.8m | — | |
| Mortgage-backed securities | $1.5m | $1.5m | $1.8m | $2.7m | $2.8m | $2.0m | $2.7m | $7.0m | $14.6m | $16.6m | — | |
| Other interest-earning assets | $35k | $29k | $69k | $127k | $129k | $226k | $437k | $1.9m | $4.4m | $4.1m | — | |
| Deposits | $7.4m | $8.5m | $12.8m | $21.2m | $24.1m | $14.9m | $11.8m | $44.4m | $102.2m | $115.8m | — | |
| Securities sold under agreements to repurchase | $119k | $95k | $37k | $36k | — | — | — | $213k | $451k | $766k | — | |
| Advances from FHLB | $1.3m | $1.1m | $1.0m | $2.4m | $1.9m | $1.4m | $792k | $3.6m | $5.0m | $4.6m | — | |
| Subordinated debt | $568k | $648k | $767k | $921k | $788k | $534k | $686k | $1.4m | $1.7m | $1.6m | — | |
| Provision for credit losses (Note 3) | $2.5m | $2.3m | $3.0m | $2.0m | $6.0m | ($1.0m) | $1.5m | $17.1m | $3.6m | $6.5m | — | |
| Deposit account charges and related fees | $3.6m | $3.8m | $4.6m | $5.0m | $5.7m | $5.3m | $6.5m | $7.7m | $7.4m | $8.6m | — | |
| Bank card interchange income | $2.6m | $2.9m | $3.8m | $4.7m | $3.1m | $3.9m | $4.2m | $5.3m | $5.7m | $6.0m | — | |
| Loan late charges | $351k | $432k | $432k | $463k | $573k | $587k | $553k | $534k | $579k | — | — | |
| Loan servicing fees | $176k | $397k | $801k | $376k | $196k | $1.5m | $946k | $1.5m | $1.3m | $909k | — | |
| Other loan fees | $806k | $1.1m | $1.5m | $1.4m | $1.3m | $1.2m | $2.4m | $3.1m | $2.4m | $3.8m | — | |
| Net realized gains on sale of loans | $641k | $840k | $804k | $771k | $1.6m | $4.0m | $1.6m | $875k | $713k | $751k | — | |
| Net realized gains (losses) on sale of AFS securities | — | — | $334k | $244k | — | $90k | — | — | ($1.5m) | $48k | — | |
| Earnings on bank owned life insurance | $928k | $1.1m | $947k | $1.3m | $1.0m | $1.8m | $1.2m | $1.5m | $1.9m | $2.1m | — | |
| Insurance brokerage commissions | — | — | — | — | — | — | $608k | $1.2m | $1.2m | $1.3m | — | |
| Wealth management fees | — | — | — | — | — | — | $1.8m | $2.2m | $3.2m | $3.3m | — | |
| Compensation and benefits | $17.8m | $19.4m | $23.3m | $26.4m | $29.3m | $31.0m | $35.6m | $46.9m | $53.3m | $55.8m | — | |
| Occupancy and equipment, net | $7.1m | $8.4m | $9.8m | $10.6m | $7.3m | $7.9m | $9.2m | $11.2m | $14.4m | $14.9m | $15.4m | |
| Data processing expense | — | — | $3.0m | $3.5m | $5.2m | $4.8m | $6.0m | $7.8m | $9.0m | $9.3m | — | |
| Telecommunications expense | — | — | $950k | $1.1m | $1.3m | $1.3m | $1.3m | $1.7m | $1.9m | $1.4m | — | |
| Deposit insurance premiums | $657k | $681k | $517k | $661k | $155k | $766k | $743k | $1.5m | $2.5m | $2.3m | — | |
| Legal and professional fees | $576k | $1.2m | $1.2m | $965k | $969k | $1.1m | $1.4m | $4.1m | $1.7m | $3.6m | — | |
| Advertising | $932k | $1.1m | $1.2m | $1.2m | $1.2m | $1.1m | $1.5m | $1.8m | $2.1m | $2.1m | — | |
| Postage and office supplies | $623k | $561k | $729k | $772k | $804k | $796k | $823k | $1.2m | $1.2m | $1.3m | — | |
| Intangibles amortization | $1.0m | $911k | $1.5m | $1.7m | $1.8m | $1.4m | $1.4m | $2.6m | $4.1m | $3.5m | — | |
| Foreclosed property expenses/losses | — | — | $186k | $442k | $992k | $142k | $522k | $90k | $148k | $104k | — | |
| Other operating expense | $3.0m | $4.8m | $4.8m | $5.6m | $4.8m | $3.8m | $4.9m | $7.7m | $7.3m | $7.8m | — | |
| Current | $6.2m | $4.9m | $8.3m | $7.0m | $6.9m | $10.8m | $13.4m | $11.2m | $12.2m | $14.7m | $15.3m | |
| Deferred | $476k | $1.2m | ($530k) | $75k | ($3k) | $1.7m | ($617k) | ($974k) | $694k | $694k | — |