南方万通金控 2025年季度报告

FORM10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF1934 For the Quarterly Period EndedSeptember 30, 2025 ☐TRANSITION REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF1934 Commission File Number0-18082 GREAT SOUTHERN BANCORP,INC.(Exact name of registrant as specified in its charter) 43-1524856 Securities registered pursuant to Section12(b)of the Act. Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of theSecurities Exchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant wasrequired to file such reports), and (2)has been subject to such filing requirements for the past 90days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data file required to besubmitted pursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12months (or forsuch shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, asmaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,”“accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule12b-2 of the Exchange Act. Large accelerated filer☐Accelerated filer☒Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transitionperiod for complying with any new or revised financial accounting standards provided pursuant to Section13(a)of theExchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).Yes☐No☒ The number of shares outstanding of each of the registrant’s classes of common stock:11,189,262shares of commonstock, par value $.01 per share, outstanding at November 4, 2025. GREAT SOUTHERN BANCORP,INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF FINANCIAL CONDITION(In Thousands, Except Number of Shares) SEPTEMBER30,DECEMBER31,20252024(Unaudited)ASSETSCash$94,106$109,366Interest-bearing deposits in other financial institutions102,12986,390Cash and cash equivalents196,235195,756Available-for-sale securities531,348533,373Held-to-maturity securities181,315187,433Mortgage loans held for sale5,5936,937Loans receivable, net of allowance for credit losses of $64,749– September 2025;$64,760– December 20244,467,6834,690,393Interest receivable19,93120,430Prepaid expenses and other assets133,412136,594Other real estate owned and repossessions, net6,0835,993Premises and equipment, net133,769132,466Goodwill and other intangible assets9,76910,094Federal Home Loan Bank stock and other interest-earning assets25,60328,392Current and deferred income taxes27,12633,767Total Assets$5,737,867$5,981,628 GREAT SOUTHERN BANCORP,INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF INCOME(In Thousands, Except Per Share Data) THREE MONTHS ENDEDSEPTEMBER30,20252024(Unaudited)INTEREST INCOMELoans$72,028$76,425Investment securities and other7,0517,371TOTAL INTEREST INCOME79,07983,796INTEREST EXPENSEDeposits23,98428,486Securities sold under reverse repurchase agreements297385Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities3,6185,388Subordinated debentures issued to capital trust407456Subordinated notes—1,106TOTAL INTEREST EXPENSE28,30635,821NET INTEREST INCOME50,77347,975PROVISION FOR CREDIT LOSSES ON LOANS—1,200CREDIT FOR LOSSES ON UNFUNDED COMMITMENTS(379)(63)NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES ON LOANS ANDCREDIT FOR LOSSES ON UNFUNDED COMMITMENTS51,15246,838NON-INTEREST INCOMECommissions566360Overdraft and insufficient funds fees1,3671,307Point-Of-Sale and ATM fee income and service charges3,2903,467Net gains on loan sales9161,076Late charges and fees on loans18977Loss on derivative interest rate products(2)(37)Other income736742TOTAL NON-INTEREST INCOME7,0626,992NON-INTEREST EXPENSESalaries and employee benefits20,18419,548Net occupancy and equipment expense8,8738,138Postage893861Insurance1,1101,052Advertising985928Office supplies and printing238232Telephone690669Legal, audit and other professional fees1,248809Income on other real estate and repossessions(142)(536)Intangible asset amortization109108Other operating expenses1,9281,908TOTAL NON-INTEREST EXPENSE36,11633,717INCOME BEFORE INCOME TAXES22,09820,113PROVISION FOR INCOME TAXES4,3463,623NET INCOME$17,752$16,490Basic Earnings Per Common Share$1.57$1.41Diluted Earnings Per Common Share$1.56$1.41Dividends Declared Per Common Share$0.43$0.40 GREAT SOUTHERN BANCORP,INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF INCOME(In Thousands, Except Per Share Data) Commissions1,2391,010Overdraft and insufficient funds fees3,8483,826Point-Of-Sale and ATM fee inco