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2023 ReportPeers and competitors of Southern Missouri Bancorp:
HomeStreet> F I N A N C I A L S U M M A R Y < 2012 C HA NG E(%) E A R N I N G S (dollars in thousands) Net interest income Provision for loan losses Noninterest income Noninterest expense Income taxes Net income Effective dividend on preferred shares Net income available to common stockholders P E R C O M M O N S H A R E Net income: Basic Diluted Tangible book value Closing market price Cash dividends declared A T Y E A R - E N D (dollars in thousands) Total assets Loans, net of allowance Reserves as a percent of nonperforming loans Deposits Stockholders’ equity F I N A N C I A L R A T I O S Return on average common stockholders’ equity Return on average assets Net interest margin Efficiency ratio Allowance for loan losses to loans Equity to average assets at year-end O T H E R D A T A (1) -0.8% -3.9 10.0 5.5 -14.0 -0.3 -33.4 1.5 -14.0 -13.3 9.8 19.4 25.0 7.7 10.9 8.1 7.5 $ $ 2013 28,790 1,716 4,468 17,521 3,954 10,067 345 9,722 2.95 2.88 24.77 25.67 .60 $ $ 29,022 1,785 4,063 16,605 4,597 10,098 518 9,580 3.43 3.32 22.56 21.50 .48 $ 796,391 647,166 584 % $ 632,379 101,829 $ 739,189 583,465 312 % $ 584,814 94,728 12.34 % 1.32 4.02 52.68 1.28 13.32 15.15 % 1.37 4.12 50.19 1.27 12.83 Common shares outstanding Common shares outstanding for book value calculation (2) Average common and dilutive shares outstanding Common stockholders of record Full-time equivalent employees Assets per employee (in thousands) Banking offices 3,294,040 3,262,040 3,375,553 249 173 $ 4,603 18 3,287,440 3,247,440 2,888,913 245 177 4,176 18 $ (1) Other data is as of year-end, except for average shares. (2) Excludes unvested restricted stock award shares. $5.12 $3.32 $3.20 (3) $2.88 $1.95 $1.67 $0.60 $25.09 $23.01 $22.08 $0.48 $0.48 $0.48 $0.48 $17.39 $15.58 0 9 1 0 1 1 1 2 1 3 0 9 1 0 1 1 1 2 1 3 0 9 1 0 1 1 1 2 1 3 Return on common equity compares well to peer banks The Company’s returns have been reduced over the last two years by the declining impact of the Acquisition, while peer banks are slowly improving. Efficiency remains ahead of peers The Company’s results in fiscal 2011 and 2012 were impacted positively by the impact of the Acquisition, and that effect is receding over time. Core efficiency continues to compare well to peers. Problem assets up slightly Problem assets are relatively stable and the Company’s asset quality continues to compare favorably versus peers. Continued growth in our core business Loan and deposit growth improved in fiscal 2013.
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