Great Southern Bank

Great Southern Bank Locations
14309 State Highway 13
Reeds Spring, MO 65737
417-895-4567
www.greatsouthernbank.com

FDIC

Great Southern Bank is headquartered in Reeds Spring and is the 6th largest bank in the state of Missouri. It is also the 202nd largest bank in the nation. It was established in 1923 and as of December of 2012, it had grown to 1,030 employees at 112 locations. Great Southern Bank has a 4-star health rating.

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1.45% 1-Year CD At Great Southern Bank In 2 Missouri Branches (Forum) - 10/31/2010

Here's the CD special as advertised by the St. Louis Post-Dispatch on 10/31/2010: 1.45% APY 1-year CD $250 minimum deposit $250,000 maximum deposit New money required Only available at the Des Peres and Creve Coeur branches Expires 11/10/2010 Cl

2.73% 12-Month CD & $100 Checking Bonus at Great Southern Bank in St. Louis - Local Only - 5/25/2009

Great Southern Bank is having a grand opening special with several good deals. These include a 2.73% APY 12-month CD and a 2.38% APY 6-month CD. Minimum deposit is $250.There's also a checking account special with a 1.66% APY and a $100 bonus when the...


Data for Q4 2012


Institution Statistics


Great Southern Bank
OTS #3641
FDIC Certificate #29546
BankRate ReportView
Year Established1923
Employees1030
Primary RegulatorFDIC

Assets and Liabilities

Assets$3.95 billion
Loans$2.35 billion
Deposits$3.18 billion
Equity Capital$375.28 million
Loan Loss Allowance$40.65 million
Unbacked Noncurrent Loans$39.70 million
Real Estate Owned$49.68 million

Historic Data - December 2011

Assets$3.79 billion
Equity Capital$333.48 million
Loan Loss Allowance$41.23 million
Unbacked Noncurrent Loans$39.37 million
Real Estate Owned$45.66 million

Profit Margin - Quarterly

Net Interest Margin4.79%
Return on Assets1.26%
Return on Equity14.05%
Interest Income$194.49 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Great Southern Bank had $89.37 million in non-current loans and owned real-estate with $415.93 million in equity and loan loss allowances on hand to cover it. This gives Great Southern Bank a Texas Ratio of 21.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Great Southern Bank held steady from 22.69% as of December 31, 2011 to 21.49% as of December 31, 2012, resulting in a positive change of 5.31%.This indicates that the balance sheet and financial strength for Great Southern Bank has held steady in recent periods.
Deposit Growth5
In the past year, Great Southern Bank has increased its total deposits by $191.56 million, resulting in 6.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Great Southern Bank has shown is excellent.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Great Southern Bank has $3.95 billion in assets with $415.93 million in equity, resulting in a capitalization level of 10.52%, which is above average.
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