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Dec 31, 2021

Southern Missouri Bancorp Q2 2022 Earnings Report

Net income slightly decreased due to increased noninterest expense, provision for income taxes, and decreased noninterest income, offset by increased net interest income and decreased provision for credit losses.

Key Takeaways

Southern Missouri Bancorp reported preliminary net income of $12.0 million for Q2 2022, a slight decrease of 0.5% compared to the same period last year. EPS increased to $1.35, up from $1.32 in the prior year. Deposit balances increased by $180.6 million, and net loans increased by $109.1 million.

Annualized return on average assets was 1.69%, while annualized return on average common equity was 16.1%.

Earnings per common share (diluted) were $1.35, up $.03, or 2.3%, as compared to the same quarter a year ago.

The Company did not record a provision for credit losses (PCL) in the current quarter.

Deposit balances increased by $180.6 million in the quarter, inclusive of $28.5 million growth attributable to a single branch purchase and assumption.

Total Revenue
$30.3M
Previous year: $29.2M
+3.7%
EPS
$1.35
Previous year: $1.32
+2.3%
Net Interest Margin
3.77%
Efficiency Ratio
49.7%
Previous year: 45.9%
+8.3%
Return on Avg. Assets
1.69%
Cash and Equivalents
$185M
Previous year: $151M
+23.2%
Free Cash Flow
$14.7M
Previous year: $13.4M
+9.7%
Total Assets
$2.92B
Previous year: $2.6B
+12.3%

Southern Missouri Bancorp

Southern Missouri Bancorp

Forward Guidance

The matters discussed in this press release may be deemed to be forward-looking statements that are subject to known and unknown risks, uncertainties, and other factors that could cause the actual results to differ materially from the forward-looking statements