← 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
Interest income:
Noninterest income:
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
Amortization of Intangible Assets $1.0m $911k $1.5m $1.7m $1.8m $1.4m $1.4m $2.6m $4.1m $3.5m
Debt Securities, Realized Gain (Loss) — — — — — $90k — — ($1.5m) $48k
Goodwill, Impairment Loss — — — — — $0 $0 $0 $0 $0
Income (Loss) from Continuing Operations before Income Taxes, Domestic $21.5m $21.6m $28.7m $36.0m $34.4m $59.7m $59.9m $49.5m $63.1m $74.0m
Operating Lease, Lease Income — — — — — — — — — $432k
Other Income $683k $446k $727k $964k $1.3m $1.8m $3.9m $5.7m $2.0m $1.2m
Undistributed Earnings (Loss) Allocated to Participating Securities, Basic — — — — — ($135k) ($165k) $150k $208k $217k
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
NET INTEREST INCOME $47.0m $51.1m $62.4m $72.8m $80.1m $92.7m $103.6m $126.7m $139.5m $154.6m
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
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES $44.5m $48.8m $59.3m $70.8m $74.1m $93.7m $102.1m $109.7m $135.9m $148.1m
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
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
Current $6.2m $4.9m $8.3m $7.0m $6.9m $10.8m $13.4m $11.2m $12.2m $14.7m
Deferred $476k $1.2m ($530k) $75k ($3k) $1.7m ($617k) ($974k) $694k $694k
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest — — — — — — — — $63.1m $74.0m
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
TOTAL INTEREST INCOME $56.3m $61.5m $77.2m $97.5m $107.1m $109.5m $116.9m $176.4m $248.4m $277.4m
TOTAL NONINTEREST INCOME $9.8m $11.1m $13.9m $15.2m $14.8m $20.0m $21.2m $26.2m $24.8m $28.0m
TOTAL INCOME TAXES $6.7m $6.1m $8.3m $7.0m $6.9m $12.5m $12.7m $10.2m $12.9m $15.4m
INCOME BEFORE INCOME TAXES $21.5m $21.6m $28.7m $36.0m $34.4m $59.7m $59.9m $49.5m $63.1m $74.0m
Net Income (Loss) Attributable to Parent $14.8m $15.6m $20.9m $28.9m $27.5m $47.2m $47.2m $39.2m $50.2m $58.6m
Net Income (Loss) Available to Common Stockholders, Basic $14.8m $15.6m $20.9m $28.9m $27.5m $47.2m $47.2m $39.2m $50.2m $58.6m
Earnings Per Share, Basic $1.99 $2.08 $2.40 $3.14 $3.00 $5.22 $5.22 $3.86 $4.42 $5.19
Earnings Per Share, Diluted $1.98 $2.07 $2.39 $3.14 $2.99 $5.22 $5.21 $3.85 $4.42 $5.18
Weighted Average Number of Shares Outstanding, Basic — — 8.7m 9.2m 9.2m 9.0m 9.0m 10.1m 11.3m 11.2m
Noninterest expense:
Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal — — — — — — — $14.1m $6.6m $5.8m
Operating Lease, Expense — — — — $214k $340k $451k $720k $1.2m —
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
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
Interest Expense $9.4m $10.4m $14.8m $24.7m $26.9m $16.8m $13.3m $49.7m $108.9m $122.7m
Interest Expense, Debt $568k $648k $767k $921k $788k $534k $686k $1.4m $1.7m $1.6m
Interest Expense, Securities Sold under Agreements to Repurchase $119k $95k $37k $36k — — — $213k $451k $766k
Current Income Tax Expense (Benefit) $6.2m $4.9m $8.3m $7.0m $6.9m $10.8m $13.4m $11.2m $12.2m $14.7m
Interest Income (Expense), Net $47.0m $51.1m $62.4m $72.8m $80.1m $92.7m $103.6m $126.7m $139.5m $154.6m
Total interest expense $9.4m $10.4m $14.8m $24.7m $26.9m $16.8m $13.3m $49.7m $108.9m $122.7m
TOTAL NONINTEREST EXPENSE $32.7m $38.3m $44.5m $50.0m $54.5m $54.0m $63.4m $86.4m $97.6m $102.1m
Income Tax Expense (Benefit) $6.7m $6.1m $8.3m $7.0m $6.9m $12.5m $12.7m $10.2m $12.9m $15.4m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.