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GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES -- CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
INTEREST INCOME    
Loans $ 44,048 $ 45,949
Investment securities and other 1,698 1,957
TOTAL INTEREST INCOME 45,746 47,906
INTEREST EXPENSE    
Deposits 3,934 3,162
Federal Home Loan Bank advances 438 447
Short-term borrowings and repurchase agreements 81 21
Subordinated debentures issued to capital trusts 174 151
TOTAL INTEREST EXPENSE 4,627 3,781
NET INTEREST INCOME 41,119 44,125
PROVISION FOR LOAN LOSSES 2,101 1,300
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 39,018 42,825
NON-INTEREST INCOME    
Commissions 303 281
Service charges and ATM fees 5,279 4,644
Net realized gains on sales of loans 832 940
Net realized gains on sales of available-for-sale securities (3)  
Late charges and fees on loans 577 349
Gain (loss) on derivative interest rate products (162) (92)
Amortization of income/expense related to business acquisitions (3,293) (6,895)
Other income 1,435 717
TOTAL NON-INTEREST INCOME 4,974 (56)
NON-INTEREST EXPENSE    
Salaries and employee benefits 15,363 14,577
Net occupancy and equipment expense 6,842 6,054
Postage 1,001 888
Insurance 952 979
Advertising 441 432
Office supplies and printing 465 338
Telephone 922 765
Legal, audit and other professional fees 841 624
Expense on foreclosed assets 911 385
Partnership tax credit investment amortization 420 420
Other operating expenses 2,762 1,780
TOTAL NON-INTEREST EXPENSE 30,920 27,242
INCOME BEFORE INCOME TAXES 13,072 15,527
PROVISION FOR INCOME TAXES 3,279 3,874
NET INCOME 9,793 11,653
Preferred stock dividends   145
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS $ 9,793 $ 11,508
BASIC EARNINGS PER COMMON SHARE $ 0.71 $ 0.84
DILUTED EARNINGS PER COMMON SHARE 0.70 0.83
DIVIDENDS DECLARED PER COMMON SHARE $ 0.22 $ 0.20