Great Southern Bancorp (GSBC) 10-K 3 Mar 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Mar. 01, 2016	Jun. 30, 2015
Document and Entity Information:
Entity Registrant Name	Great Southern Bancorp Inc
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Trading Symbol	gsbc
Amendment Flag	false
Entity Central Index Key	854,560
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		13,891,443
Entity Public Float			$ 442,360,141
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY

Great Southern Bancorp, Inc. --

Great Southern Bancorp, Inc. -- Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash	$ 115,198	$ 109,052
Interest-bearing deposits in other financial institutions	83,985	109,595
Cash and cash equivalents	199,183	218,647
Available-for-sale securities	262,856	365,506
Held-to-maturity securities	353	450
Mortgage loans held for sale	12,261	14,579
Loans receivable, net	3,340,536	3,038,848
FDIC indemnification asset	24,082	44,334
Interest receivable	10,930	11,219
Prepaid expenses and other assets	59,322	60,452
Other real estate owned, net	31,893	45,838
Premises and equipment, net	129,655	124,841
Goodwill and other intangible assets	5,758	7,508
Federal Home Loan Bank stock	15,303	16,893
Current and deferred income taxes	12,057	2,219
Total assets	4,104,189	3,951,334
Liabilities
Deposits	3,268,626	2,990,840
Federal Home Loan Bank advances	263,546	271,641
Securities sold under reverse repurchase agreements with customers	116,182	168,993
Short-term borrowings	1,295	42,451
Subordinated debentures issued to capital trust	25,774	30,929
Accrued interest payable	1,080	1,067
Advances from borrowers for taxes and insurance	4,681	4,929
Accrued expenses and other liabilities	24,778	20,739
Total liabilities	3,705,962	3,531,589
Capital stock
Serial preferred stock		57,943
Common stock	139	138
Additional paid-in capital	24,371	22,345
Retained earnings	368,053	332,283
Accumulated other comprehensive income, net	5,664	7,036
Total stockholders' equity	398,227	419,745
Total liabilities and stockholders' equity	$ 4,104,189	$ 3,951,334

Great Southern Bancorp, Inc. -

Great Southern Bancorp, Inc. - Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Statements of Financial Condition
Allowance for loan losses	$ 38,149	$ 38,435
Serial preferred stock
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, authorized shares	1,000,000	1,000,000
Preferred stock, issued shares	0	57,943
Preferred stock, outstanding shares	0	57,943
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, authorized shares	20,000,000	20,000,000
Common stock, issued shares	13,887,932	13,754,806
Common stock, outstanding shares	13,887,932	13,754,806
Income tax expense on change in unrealized holding gain on available-for-sale securities	$ 3,227	$ 3,789

Great Southern Bancorp, Inc. -4

Great Southern Bancorp, Inc. -- Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest Income
Loans	$ 177,240	$ 172,569	$ 163,903
Investment securities and other	7,111	10,793	14,892
Total Interest Income	184,351	183,362	178,795
Interest Expense
Deposits	13,511	11,225	12,346
Federal Home Loan Bank advances	1,707	2,910	3,972
Short-term borrowings and repurchase agreements	65	1,099	2,324
Subordinated debentures issued to capital trust	714	567	561
Total Interest Expense	15,997	15,801	19,203
Net Interest Income	168,354	167,561	159,592
Provision for Loan Losses	5,519	4,151	17,386
Net Interest Income After Provision for Loan Losses	162,835	163,410	142,206
Noninterest Income
Commissions	1,136	1,163	1,065
Service charges and ATM fees	19,841	19,075	18,227
Net gains on loan sales	3,888	4,133	4,915
Net realized gains on sales of available-for-sale securities	2	2,139	243
Late charges and fees on loans	2,129	1,400	1,264
Gain (loss) on derivative interest rate products	(43)	(345)	295
Gain recognized on business acquisitions		10,805
Accretion (amortization) of income/expense related to business acquisitions	(18,345)	(27,868)	(25,260)
Other income	4,973	4,229	4,566
Total Noninterest Income	13,581	14,731	5,315
Noninterest Expense
Salaries and employee benefits	58,682	56,032	52,468
Net occupancy expense	25,985	23,541	20,658
Postage	3,787	3,578	3,315
Insurance	3,566	3,837	4,189
Advertising	2,317	2,404	2,165
Office supplies and printing	1,333	1,464	1,303
Telephone	3,235	2,866	2,868
Legal, audit and other professional fees	2,713	3,957	4,348
Expense on other real estate owned	2,526	5,636	4,068
Partnership tax credit	1,680	1,720	2,108
Other operating expenses	8,526	15,824	8,128
Total Noninterest Expense	114,350	120,859	105,618
Income Before Income Taxes	62,066	57,282	41,903
Provision for Income Taxes	15,564	13,753	8,174
Net Income	46,502	43,529	33,729
Preferred Stock Dividends	554	579	579
Net Income Available to Common Shareholders	$ 45,948	$ 42,950	$ 33,150
Earnings Per Common Share
Basic	$ 3.33	$ 3.14	$ 2.43
Diluted	$ 3.28	$ 3.10	$ 2.42

Great Southern Bancorp, Inc. -5

Great Southern Bancorp, Inc. -- Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statements of Comprehensive Income
Net Income	$ 46,502	$ 43,529	$ 33,729
Unrealized appreciation (depreciation) on available-for-sale securities, net	(1,321)	6,128	(13,959)
Noncredit component of unrealized gain (loss) on available-for-sale debt securities for which a portion of an other-than-temporary impairment has been recognized, net			(37)
Less: reclassification adjustment for gains included in net income, net	(1)	(1,390)	(158)
Change in fair value of cash flow hedge, net	(50)	(164)	(34)
Other comprehensive income (loss)	(1,372)	4,574	(14,188)
Comprehensive Income	$ 45,130	$ 48,103	$ 19,541

Great Southern Bancorp, Inc. -6

Great Southern Bancorp, Inc. -- Consolidated Statements of Comprehensive Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statements of Comprehensive Income
Tax effect of unrealized appreciation (depreciation) on available-for-sale securities, taxes (credit)	$ (528)	$ 3,301	$ (7,516)
Tax effect non-credit component of unrealized gain (loss) on available-for-sale debt securities for which a portion of an other-than-temporary impairment has been recognized, taxes (credit)	0	0	(20)
Tax effect reclassification adjustment for gains included in net income, taxes (credit)	(1)	(749)	(85)
Tax effect of change in fair value of cash flow hedge, taxes (credit)	$ (34)	$ (88)	$ (19)

Great Southern Bancorp, Inc. -7

Great Southern Bancorp, Inc. -- Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total		SBLF Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Balance beginning of period at Dec. 31, 2012	$ 369,874		$ 57,943	$ 136	$ 18,394	$ 276,751	$ 16,650
Net income	33,729					33,729
Stock issued under Stock Option Plan	1,685				1,173			$ 512
Common dividends declared	(9,823)	[1]				(9,823)
SBLF preferred stock dividends accrued	(579)	[2]				(579)
Other comprehensive income (loss)	(14,188)						(14,188)
Reclassification of treasury stock per Maryland law				1		511		(512)
Balance end of period at Dec. 31, 2013	380,698		57,943	137	19,567	300,589	2,462
Balance beginning of period at Dec. 31, 2013	380,698		57,943	137	19,567	300,589	2,462
Net income	43,529					43,529
Stock issued under Stock Option Plan	3,003				2,778			225
Common dividends declared	(10,968)	[3]				(10,968)
SBLF preferred stock dividends accrued	(579)	[2]				(579)
Other comprehensive income (loss)	4,574						4,574
Reclassification of treasury stock per Maryland law				1		(288)		287
Purchase of the Company's common stock	(512)							(512)
Balance end of period at Dec. 31, 2014	419,745		57,943	138	22,345	332,283	7,036
Balance beginning of period at Dec. 31, 2014	419,745		57,943	138	22,345	332,283	7,036
Net income	46,502					46,502
Stock issued under Stock Option Plan	3,744				2,026			1,718
Common dividends declared	(11,896)	[4]				(11,896)
SBLF preferred stock dividends accrued	(553)	[2]				(553)
Redemption of SBLF preferred stock at Dec. 31, 2015	(57,943)		$ (57,943)
Other comprehensive income (loss)	(1,372)						(1,372)
Reclassification of treasury stock per Maryland law				1		1,717		$ (1,718)
Balance end of period at Dec. 31, 2015	$ 398,227			$ 139	$ 24,371	$ 368,053	$ 5,664
[1]	$.72 per share
[2]	1.0%
[3]	$.80 per share
[4]	$.86 per share

Great Southern Bancorp, Inc. -8

Great Southern Bancorp, Inc. -- Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating Activities
Net income	$ 46,502	$ 43,529	$ 33,729
Proceeds from sales of loans held for sale	158,730	156,632	215,744
Originations of loans held for sale	(155,680)	(160,074)	(198,910)
Items not requiring (providing) cash
Depreciation	10,465	8,747	8,036
Amortization	3,430	3,242	8,107
Compensation expense for stock option grants	382	565	443
Provision for loan losses	5,519	4,151	17,386
Net gains on loan sales	(3,888)	(4,133)	(4,915)
Net realized gains on available-for-sale securities	(2)	(2,139)	(243)
Gain on sale of non-marketable securities	(301)
Gain on redemption of trust preferred securities	(1,115)
(Gain) loss on sale of premises and equipment	(465)	18	(60)
(Gain) loss on sale/write-down of foreclosed assets	(1,132)	2,996	1,259
Gain on purchase of additional business units		(10,805)
Amortization of deferred income, premiums, discounts and other	10,595	22,692	29,510
(Gain) loss on derivative interest rate products	43	345	(295)
Deferred income taxes	(4,670)	(6,260)	(8,839)
Changes in
Interest receivable	289	1,227	1,347
Prepaid expenses and other assets	3,982	8,430	(7,529)
Accrued expenses and other liabilities	3,354	502	4,260
Income taxes refundable/payable	(4,609)	(2,232)	(5,109)
Net cash provided by operating activities	71,429	67,433	93,921
Net change in loans	(190,154)	(340,135)	(33,180)
Purchase of loans	(117,634)	(101,832)	(129,422)
Cash received from purchase of additional business units		189,437
Cash received from FDIC loss sharing reimbursements	2,599	8,377	28,511
Purchase of premises and equipment	(16,697)	(17,954)	(13,853)
Proceeds from sale of premises and equipment	1,883	203	1,518
Proceeds from sale of foreclosed assets	23,497	21,706	48,900
Capitalized costs on foreclosed assets	(20)	(199)	(457)
Proceeds from sale of non-marketable securities	351
Proceeds from maturities, calls and repayments of held-to-maturity securities	97	355	115
Proceeds from sale of available-for-sale securities	56,169	220,169	108,487
Proceeds from maturities, calls and repayments of available-for-sale securities	63,463	103,475	210,798
Purchase of available-for-sale securities	(21,339)	(40,661)	(97,000)
(Purchase) redemption of Federal Home Loan Bank stock	1,590	(7,071)	273
Net cash provided by (used in) investing activities	(196,195)	35,870	124,690
Financing Activities
Net increase (decrease) in certificates of deposit	191,224	(116,139)	(208,702)
Net increase (decrease) in checking and savings accounts	87,113	(160,144)	(134,562)
Proceeds from Federal Home Loan Bank advances	6,509,500	4,231,000	1,980
Repayments of Federal Home Loan Bank advances	(6,517,564)	(4,083,315)	(1,081)
Net increase (decrease) in short term borrowings	(93,967)	74,768	(44,307)
Repayments of reverse repurchase borrowings			(3,000)
Repayments of structured repurchase borrowings		(50,000)
Advances to borrowers for taxes and insurance	(248)	580	1,567
Redemption of trust preferred securities	(3,885)
Redemption of preferred stock	(57,943)
Dividends paid	(12,290)	(11,257)	(7,964)
Purchase of the Company's common stock		(512)
Stock options exercised	3,362	2,438	1,242
Net cash provided by (used in) financing activities	105,302	(112,581)	(394,827)
Decrease in Cash and Cash Equivalents	(19,464)	(9,278)	(176,216)
Cash and Cash Equivalents, Beginning of Year	218,647	227,925	404,141
Cash and Cash Equivalents, End of Year	$ 199,183	$ 218,647	$ 227,925

Note 1_ Nature of Operations an

Note 1: Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Notes
Note 1: Nature of Operations and Summary of Significant Accounting Policies	Note 1: Nature of Operations and Summary of Significant Accounting Policies Nature of Operations and Operating Segments Great Southern Bancorp, Inc. (“GSBC” or the “Company”) operates as a one-bank holding company. GSBC’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Company and the Bank are subject to regulation certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others . The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements . Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the valuation of loans acquired with indication of impairment, the valuation of the FDIC indemnification asset and other-than-temporary impairments (OTTI) and fair values of financial instruments. In connection with the determination of the allowance for loan losses and the valuation of foreclosed assets held for sale, management obtains independent appraisals for significant properties. The valuation of the FDIC indemnification asset is determined in relation to the fair value of assets acquired through FDIC-assisted transactions for which cash flows are monitored on an ongoing basis. Principles of Consolidation The consolidated financial statements include the accounts of Great Southern Bancorp, Inc., its wholly owned subsidiary, the Bank, and the Bank’s wholly owned subsidiaries, Great Southern Real Estate Development Corporation, GSB One LLC (including its wholly owned subsidiary, GSB Two LLC), Great Southern Financial Corporation, Great Southern Community Development Company, LLC (including its wholly owned subsidiary, Great Southern CDE, LLC), GS, LLC, GSSC, LLC, GS-RE Holding, LLC (including its wholly owned subsidiary, GS RE Management, LLC), GS-RE Holding II, LLC, GS-RE Holding III, LLC, VFP Conclusion Holding, LLC and VFP Conclusion Holding II, LLC. All significant intercompany accounts and transactions have been eliminated in consolidation. Reclassifications Certain prior periods’ amounts have been reclassified to conform to the financial statements presentation. These reclassifications had no effect on net income. Federal Home Loan Bank Stock Federal Home Loan Bank common stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in common stock is based on a predetermined formula, carried at cost and evaluated for impairment. Securities Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Held-to-maturity securities, which include any security for which the Company has the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an recorded in other comprehensive income for the noncredit portion of a previous is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. The Company’s consolidated statements of income reflect the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections. For equity securities , when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other-than-temporary even if a decision to sell has not been made. Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Write-downs to fair value are recognized as a charge to earnings at the time the decline in value occurs. Nonbinding forward commitments to sell individual mortgage loans are generally obtained to reduce market risk on mortgage loans in the process of origination and mortgage loans held for sale. Gains and losses resulting from sales of mortgage loans are recognized when the respective loans are sold to investors. Fees received from borrowers to guarantee the funding of mortgage loans held for sale and fees paid to investors to ensure the ultimate sale of such mortgage loans are recognized as income or expense when the loans are sold or when it becomes evident that the commitment will not be used. Loans Originated by the Company Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balances adjusted for any charge-offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Past due status is based on the contractual terms of a loan. Generally, loans are placed on nonaccrual status at 90 days past due and interest is considered a loss, unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non classified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that determines which loans are reviewed for impairment based on various analyses including annual reviews of large loan relationships, calculations of loan debt coverage ratios as financial information is obtained reviews of all loans over $1.0 million Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length the borrower’s prior payment record and the amount of shortfall in relation to the principal and interest owed. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. In accordance with regulatory guidelines, impairment in the consumer loan portfolio is primarily identified b past-due status. loans Impairment is measured on a loan-by-loan basis for by either the present value of expected future cash flows or the fair value of the collateral if the loan is collateral dependent. Payments made on impaired loans are treated in accordance with the accrual status of the loan. If loans are performing in accordance with their contractual terms but the ultimate collectability of principal and interest is questionable, payments are applied to principal only. Loans Acquired in Business Combinations Loans acquired in business combinations under ASC Topic 805, Business Combinations loans are recorded at fair value in accordance with the fair value methodology prescribed in ASC Topic 820 Fair Value Measurements and Disclosures . No allowance for loan losses related to the acquired loans is recorded on the acquisition date as the fair value of the loans acquired incorporates assumptions regarding credit risk. The fair value estimates associated with the loans include estimates related to expected prepayments and the amount and timing of undiscounted expected principal, interest and other cash flows. For loans not acquired in conjunction with an FDIC-assisted transaction that are not considered to be purchased credit-impaired loans, the Company evaluates loans acquired in accordance with the provisions of ASC Topic 310-20, Nonrefundable Fees and Other Costs impaired loans in accordance with the provisions of ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality purchase dates may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Acquired credit-impaired loans are accounted for under the accounting guidance for loans acquired with deteriorated credit quality initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. The Company evaluates all of loans purchased in conjunction with its FDIC-assisted transactions in accordance with the provisions of ASC Topic 310-30. For purposes of applying ASC 310-30, loans acquired in business combinations are aggregated into pools of loans with common risk characteristics. All loans acquired in the FDIC transactions, both covered and not covered , were deemed to be impaired loans as there is evidence of credit deterioration since origination and probab that not all contractually required payments will be collected. As a result, related discounts are recognized subsequently through accretion based on the expected cash flows of the acquired loans. The expected cash flows of the acquired loan pools in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loan pools or impaired loans accounted for under ASC Topic 310-30. The Company continues to estimate cash flows expected to be collected on pools of loans sharing common risk characteristics, which are treated in the aggregate when applying various valuation techniques. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. FDIC Indemnification Asset Through two FDIC-assisted transactions during 2009, one during 2011 and one during 2012, the Bank acquired certain loans and foreclosed assets which are covered under loss sharing agreements with the FDIC. These agreements commit the FDIC to reimburse the Bank for a portion of realized losses on these covered assets. Therefore, as of the dates of acquisitions, the Company calculated the amount of such reimbursements it expects to receive from the FDIC using the present value of anticipated cash flows from the covered assets based on the credit adjustments estimated for each pool of loans and the estimated losses on foreclosed assets. In accordance with FASB ASC 805, each FDIC Indemnification Asset was initially recorded at its fair value, and is measured separately from the loan assets and foreclosed assets because the loss sharing agreements are not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increases and decreases as the expected and actual cash flows from the covered assets fluctuate, as loans are paid off or impaired and as loans and foreclosed assets are sold. There are no contractual interest rates on these contractual receivables from the FDIC; however, a discount was recorded against the initial balance of the FDIC Indemnification Asset in conjunction with the fair value measurement as this receivable will be collected over the terms of the loss sharing agreements. This discount accreted to income over future periods. These acquisitions and agreements are more fully discussed in Note 4 Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expense on foreclosed assets. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line and accelerated methods over the estimated useful lives of the assets. Leasehold improvements are capitalized and amortized using the straight-line and accelerated methods over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Long-Lived Asset Impairment The Company evaluates the recoverability of the carrying value of long-lived assets whenever events or circumstances indicate the carrying amount may not be recoverable. If a long-lived asset is tested for recoverability and the undiscounted estimated future cash flows expected to result from the use and eventual disposition of the asset is less than the carrying amount of the asset, the asset cost is adjusted to fair value and an impairment loss is recognized as the amount by which the carrying amount of a long-lived asset exceeds its fair value. A valuation allowance of $1.2 million the Company announced plans to consolidate operations of banking centers into other nearby Great Southern banking center locations. The closing of the 14 facilities occurred at the close of business on January 8, 2016. No asset impairment was recognized during the year ended December 31, . Goodwill and Intangible Assets Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill value are not recognized in the financial statements. Intangible assets are being amortized on the straight-line basis over period seven years. Such assets are periodically evaluated as to the recoverability of their carrying value. A summary of goodwill and intangible assets is as follows: December 31, 2015 2014 (In Thousands) Goodwill – Branch acquisitions $ 1,169 $ 1,169 Deposit intangibles TeamBank 105 526 Vantus Bank 207 519 Sun Security Bank 964 1,314 InterBank 472 617 Boulevard Bank 641 763 Valley Bank 2,200 2,600 4 ,589 6 ,339 $ 5,758 $ 7,508 Loan Servicing and Origination Fee Income Loan servicing income represents fees earned for servicing real estate mortgage loans owned by various investors. The fees are generally calculated on the outstanding principal balances of the loans serviced and are recorded as income when earned. Loan origination fees, net of direct loan origination costs, are recognized as income using the level-yield method over the contractual life of the loan. Stockholders’ Equity At the 2004 Annual Meeting of Stockholders, the Company’s stockholders approved the Company’s reincorporation to the State of Maryland. This reincorporation was completed in June 2004. Under Maryland law, there is no concept of “Treasury Shares.” Instead, shares purchased by the Company constitute authorized but unissued shares under Maryland law. Accounting principles generally accepted in the United States of America state that accounting for treasury stock shall conform to state law. The cost of shares purchased by the Company has been allocated to common stock and retained earnings balances. Earnings Per Common Share Basic earnings per common share are computed based on the weighted average number of common shares outstanding during each year. Diluted earnings per common share are computed using the weighted average common shares and all potential dilutive common shares outstanding during the period. Earnings per common share (EPS) were computed as follows: 2015 2014 2013 (In Thousands, Except Per Share Data) Net income $ 46,502 $ 43,529 $ 33,729 Net income available to common shareholders $ 45,948 $ 42,950 $ 33,150 Average common shares outstanding 13,818 13,700 13,635 Average common share stock options outstanding 182 176 80 Average diluted common shares 14,000 13,876 13,715 Earnings per common share – basic $ 3.33 $ 3.14 $ 2.43 Earnings per common share – diluted $ 3.28 $ 3.10 $ 2.42 Options outstanding at December 31, , and , to purchase , and 243,510 shares of common stock respectively, were not included in the computation of diluted earnings per share for year because exercise price greater than the average market price of the common for the years ended December 31, , and , respectively . Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 21 Compensation – Stock Compensation, For the years ended December 31, 201 , 201 and 201 , share-based compensation expense totaling $ ,000, $ ,000 and $ ,000, respectively, was included in salaries and employee benefits expense in the consolidated statements of income. Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2015 and 2014 , cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2015 , nearly all of the interest-bearing deposits were uninsured with nearly all of these balances held at the Federal Home Loan Bank or the Federal Reserve Bank. Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, Income Taxes Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. At December 31, 201 and 201 , no valuation allowance was established. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries. Derivatives and Hedging Activities FASB ASC 815, Derivatives and Hedging instruments Note 17 As required by FASB ASC 815, the Company records all derivatives in the statement of financial condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship Restriction on Cash and Due From Banks The Bank is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2015 and 2014 , respectively, was $ 58.9 million and $7 2.3 million . Recent Accounting Pronouncements In January 2014, the FASB issued ASU No. 2014-01 to amend FASB ASC Topic 323, Investments – Equity Method and Joint Ventures In January 2014, the FASB issued ASU No. 2014-04 to amend FASB ASC Topic 310, Receivables – Troubled Debt Restructurings by Creditors In June 2014, the FASB issued ASU No. 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. In August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date Revenue from Contracts with Customers (Topic 606): Summary and Amendments that Create Revenue from Contracts with Customers (Topic 606) and Other Assets and Deferred Costs--Contracts with Customers (Subtopic 340-40) Revenue Recognition In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis In May 2015, the FASB issued ASU No. 2015-07, Fair Value Measurement (Topic 820): Disclosures for Investments in Certain Entities that Calculate Net Asset Value Per Share In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments – Overall (Topic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.

Note 2_ Investments in Securiti

Note 2: Investments in Securities	12 Months Ended
	Dec. 31, 2015
Notes
Note 2: Investments in Securities	Note 2: Investments in Securities The amortized cost and fair values of securities classified as available-for-sale were as follows: December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) U.S. government agencies $20,000 $-- $219 $19,781 Mortgage-backed securities 159,777 2,038 601 161,214 States and political subdivisions 72,951 5,081 1 78,031 Other securities 847 2,983 -- 3,830 $ 253,575 $ 10,102 $ 821 $ 262,856 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) U.S. government agencies $20,000 $-- $486 $19,514 Mortgage-backed securities 254,294 4,325 821 257,798 States and political subdivisions 79,237 5,810 7 85,040 Other securities 847 2,307 -- 3,154 $ 354,378 $ 12,442 $ 1,314 $ 365,506 At December 31, , the Company’s mortgage-backed securities portfolio consisted of GNMA securities totaling $ million , FNMA securities totaling $ million and FHLMC securities totaling $ million . At December 31, 201 , $ million of the Company’s mortgage-backed securities had variable rates of interest and $ million had fixed rates of interest. The amortized cost and fair value of available-for-sale securities at December 31, 201 , by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) After one through five years $619 $649 After five through ten years 3,566 3,715 After ten years 88,766 93,448 Securities not due on a single maturity date 159,777 161,214 Equity securities 847 3,830 $ 253,575 $ 262,856 The amortized cost and fair values of securities classified as held to maturity were as follows: December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 353 $ 31 $ -- $ 384 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 450 $ 49 $ -- $ 499 The held-to-maturity securities at December 31, 201 , by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) After one through five years $ 353 $ 384 The amortized cost and fair values of securities pledged as collateral was as follows at December 31, 201 and 201 : 2015 2014 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $60,355 $62,288 $130,760 $133,940 Collateralized borrowing accounts 131,813 131,950 160,130 161,145 Other 5,149 5,330 3,965 4,053 $ 197,317 $ 199,568 $ 294,855 $ 299,138 Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, and , was approximately $ .0 million and $ million , respectively, which is approximately . % and % of the Company’s available-for-sale and held-to-maturity investment portfolio, respectively. Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary. The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, and : 2015 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) U.S. government agencies $20,000 $(219) $-- $-- $20,000 $(219) Mortgage-backed securities 45,494 (348) 9,635 (253) 55,129 (601) States and political subdivisions -- -- 910 (1) 910 (1 ) $ 65,494 $ (567 $ 10,545 $ (254 $ 76,039 $ (821 2014 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) U.S. government agencies $-- $-- $20,000 $(486) $20,000 $(486) Mortgage-backed securities 40,042 (328) 45,056 (493) 85,098 (821) States and political subdivisions -- -- 925 (7) 925 (7 ) $ 40,042 $ (328 $ 65,981 $ (986 $ 106,023 $ (1,314 Other-than-Temporary Impairment Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model. The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets. The Company routinely conducts periodic reviews to identify and evaluate each investment security to determine whether an other-than-temporary impairment has occurred. The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors. If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other than temporary. The Company uses quoted market prices for marketable equity securities and uses broker pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange. For nonagency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss. The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows. If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings. During and 2013, no securities were determined to have impairment that had become other than temporary. Credit Losses Recognized on Investments There were no debt securities have experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.

Note 3_ Loans and Allowance For

Note 3: Loans and Allowance For Loan Losses	12 Months Ended
	Dec. 31, 2015
Notes
Note 3: Loans and Allowance For Loan Losses	Note 3: Loans and Allowance for Loan Losses Classes of loans at December 31, and , included: 2015 2014 (In Thousands) One- to four-family residential construction $23,526 $40,361 Subdivision construction 38,504 28,593 Land development 58,440 52,096 Commercial construction 600,794 392,929 Owner occupied one- to four-family residential 110,277 87,549 Non-owner occupied one- to four-family residential 149,874 143,051 Commercial real estate 1,043,474 945,876 Other residential 419,549 392,414 Commercial business 357,580 354,012 Industrial revenue bonds 37,362 41,061 Consumer auto 439,895 323,353 Consumer other 74,829 78,029 Home equity lines of credit 83,966 66,272 Acquired FDIC-covered loans, net of discounts 236,071 286,608 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 33,338 49,945 Acquired non-covered loans, net of discounts 93,436 121,982 3,800,915 3,404,131 Undisbursed portion of loans in process (418,702) (323,572) Allowance for loan losses (38,149) (38,435) Deferred loan fees and gains, net (3,528 (3,276 $ 3,340,536 $ 3,038,848 Classes of loans by aging were as follows: December 31, 2015 Total Loans Total > 90 Days Past 30-59 Days 60-89 Days Over 90 Total Past Loans Due and Past Due Past Due Days Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $649 $-- $-- $649 $22,877 $23,526 $-- Subdivision construction -- -- -- -- 38,504 38,504 -- Land development 2,245 148 139 2,532 55,908 58,440 -- Commercial construction 1 -- -- 1 600,793 600,794 -- Owner occupied one- to four- family residential 1,217 345 715 2,277 108,000 110,277 -- Non-owner occupied one- to four-family residential -- -- 345 345 149,529 149,874 -- Commercial real estate 1,035 471 13,488 14,994 1,028,480 1,043,474 -- Other residential -- -- -- -- 419,549 419,549 -- Commercial business 1,020 9 288 1,317 356,253 357,580 -- Industrial revenue bonds -- -- -- -- 37,362 37,362 -- Consumer auto 3,351 891 721 4,963 434,932 439,895 -- Consumer other 943 236 576 1,755 73,074 74,829 -- Home equity lines of credit 212 123 297 632 83,334 83,966 -- Acquired FDIC-covered loans, net of discounts 7,936 603 9,712 18,251 217,820 236,071 -- Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 989 39 33 1,061 32,277 33,338 -- Acquired non-covered loans, net of discounts 1,081 638 5,914 7,633 85,803 93,436 -- 20,679 3,503 32,228 56,410 3,744,505 3,800,915 -- Less FDIC-supported loans, and acquired non-covered loans, net of discounts 10,006 1,280 15,659 26,945 335,900 362,845 -- Total $ 10,673 $ 2,223 $ 16,569 $ 29,465 $ 3,408,605 $ 3,438,070 $ -- December 31, 2014 Total Loans Total > 90 Days Past 30-59 Days 60-89 Days Over 90 Total Past Loans Due and Past Due Past Due Days Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $-- $-- $-- $-- $40,361 $40,361 $-- Subdivision construction 109 -- -- 109 28,484 28,593 -- Land development 110 -- 255 365 51,731 52,096 -- Commercial construction -- -- -- -- 392,929 392,929 -- Owner occupied one- to four- family residential 2,037 441 1,029 3,507 84,042 87,549 170 Non-owner occupied one- to four-family residential 583 -- 296 879 142,172 143,051 -- Commercial real estate 6,887 -- 4,699 11,586 934,290 945,876 187 Other residential -- -- -- -- 392,414 392,414 -- Commercial business 59 -- 411 470 353,542 354,012 -- Industrial revenue bonds -- -- -- -- 41,061 41,061 -- Consumer auto 1,801 244 316 2,361 320,992 323,353 -- Consumer other 1,301 260 801 2,362 75,667 78,029 397 Home equity lines of credit 89 -- 340 429 65,843 66,272 22 Acquired FDIC-covered loans, net of discounts 6,236 1,062 16,419 23,717 262,891 286,608 194 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 754 46 243 1,043 48,902 49,945 -- Acquired non-covered loans, net of discounts 2,638 640 11,248 14,526 107,456 121,982 -- 22,604 2,693 36,057 61,354 3,342,777 3,404,131 970 Less FDIC-supported loans, and acquired non-covered loans, net of discounts 9,628 1,748 27,910 39,286 419,249 458,535 194 Total $ 12,976 $ 945 $ 8,147 $ 22,068 $ 2,923,528 $ 2,945,596 $ 776 Nonaccruing loans are summarized as follows: December 31, 2015 2014 (In Thousands) One- to four-family residential construction $-- $-- Subdivision construction -- -- Land development 139 255 Commercial construction -- -- Owner occupied one- to four-family residential 715 859 Non-owner occupied one- to four-family residential 345 296 Commercial real estate 13,488 4,512 Other residential -- -- Commercial business 288 411 Industrial revenue bonds -- -- Consumer auto 721 316 Consumer other 576 404 Home equity lines of credit 297 318 Total $ 16,569 $ 7,371 The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2015. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2015: One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2015 $3,455 $2,941 $19,773 $3,562 $3,679 $5,025 $38,435 Provision (benefit) charged to expense 1,428 193 (2,753) (619) 1,450 5,820 5,519 Losses charged off (80) (2) (2,584) (329) (1,202) (5,315) (9,512) Recoveries 97 58 302 405 276 2,569 3,707 Balance, December 31, 2015 $ 4,900 $ 3,190 $ 14,738 $ 3,019 $ 4,203 $ 8,099 $ 38,149 Ending balance: Individually evaluated for impairment $ 731 $ -- $ 2,556 $ 1,391 $ 1,115 $ 300 $ 6,093 Collectively evaluated for impairment $ 3,464 $ 3,122 $ 11,888 $ 1,570 $ 2,862 $ 7,647 $ 30,553 Loans acquired and accounted for under ASC 310-30 $ 705 $ 68 $ 294 $ 58 $ 226 $ 152 $ 1,503 Loans Individually evaluated for impairment $ 6,129 $ 9,533 $ 34,629 $ 7,555 $ 2,365 $ 1,950 $ 62,161 Collectively evaluated for impairment $ 316,052 $ 410,016 $ 1,008,845 $ 651,679 $ 392,577 $ 596,740 $ 3,375,909 Loans acquired and accounted for under ASC 310-30 $ 194,697 $ 35,945 $ 73,148 $ 4,981 $ 10,500 $ 43,574 $ 362,845 The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2014. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2014: One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2014 $6,235 $2,678 $16,939 $4,464 $6,451 $3,349 $40,116 Provision (benefit) charged to expense (1,025) 227 1,855 (957) 409 3,642 4,151 Losses charged off (2,251) (1) (2,160) (126) (3,286) (4,005) (11,829) Recoveries 496 37 3,139 181 105 2,039 5,997 Balance, December 31, 2014 $ 3,455 $ 2,941 $ 19,773 $ 3,562 $ 3,679 $ 5,025 $ 38,435 Ending balance: Individually evaluated for impairment $ 829 $ -- $ 1,751 $ 1,507 $ 823 $ 232 $ 5,142 Collectively evaluated for impairment $ 2,532 $ 2,923 $ 16,671 $ 1,905 $ 2,805 $ 4,321 $ 31,157 Loans acquired and accounted for under ASC 310-30 $ 94 $ 18 $ 1,351 $ 150 $ 51 $ 472 $ 2,136 Loans Individually evaluated for impairment $ 11,488 $ 9,804 $ 28,641 $ 7,601 $ 2,725 $ 1,480 $ 61,739 Collectively evaluated for impairment $ 288,066 $ 382,610 $ 917,235 $ 437,424 $ 392,348 $ 466,174 $ 2,883,857 Loans acquired and accounted for under ASC 310-30 $ 234,158 $ 48,470 $ 107,278 $ 1,937 $ 17,789 $ 48,903 $ 458,535 The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2013. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2013: One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2013 $6,822 $4,327 $17,441 $3,938 $5,096 $3,025 $40,649 Provision charged to expense 1,496 1,556 6,922 1,142 4,404 1,866 17,386 Losses charged off (2,196) (3,248) (9,836) (788) (4,072) (3,312) (23,452) Recoveries 113 43 2,412 172 1,023 1,770 5,533 Balance, December 31, 2013 $ 6,235 $ 2,678 $ 16,939 $ 4,464 $ 6,451 $ 3,349 $ 40,116 Ending balance: Individually evaluated for impairment $ 2,501 $ -- $ 90 $ 473 $ 4,162 $ 218 $ 7,444 Collectively evaluated for impairment $ 3,734 $ 2,678 $ 16,845 $ 3,991 $ 2,287 $ 3,131 $ 32,666 Loans acquired and accounted for under ASC 310-30 $ -- $ -- $ 4 $ -- $ 2 $ -- $ 6 Loans Individually evaluated for impairment $ 13,055 $ 10,983 $ 31,591 $ 12,628 $ 8,755 $ 1,389 $ 78,401 Collectively evaluated for impairment $ 297,057 $ 314,616 $ 791,329 $ 229,332 $ 306,514 $ 273,871 $ 2,212,619 Loans acquired and accounted for under ASC 310-30 $ 206,964 $ 35,095 $ 84,591 $ 6,989 $ 4,883 $ 47,642 $ 386,164 The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 3 · · · · · · The weighted average interest rate on loans receivable at December 31, 2015 and 2014, was 4.56% and 4.66%, respectively. Loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balances of loans serviced for others were $237.7 million and $266.4 million at December 31, 2015 and 2014, respectively. In addition, available lines of credit on these loans were $32.3 million and $33.0 million at December 31, 2015 and 2014, respectively. A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. The following summarizes information regarding impaired loans at and during the years ended December 31, 2015, 2014 and 2013: Year Ended December 31, 2015 December 31, 2015 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $-- $-- $-- $633 $35 Subdivision construction 1,061 1,061 214 3,533 109 Land development 7,555 7,644 1,391 7,432 287 Commercial construction -- -- -- -- -- Owner occupied one- to four-family residential 3,166 3,427 389 3,587 179 Non-owner occupied one- to four-family residential 1,902 2,138 128 1,769 100 Commercial real estate 34,629 37,259 2,556 28,610 1,594 Other residential 9,533 9,533 -- 9,670 378 Commercial business 2,365 2,539 1,115 2,268 138 Industrial revenue bonds -- -- -- -- -- Consumer auto 791 829 119 576 59 Consumer other 802 885 120 672 74 Home equity lines of credit 357 374 62 403 27 Total $ 62,161 $ 65,689 $ 6,093 $ 59,153 $ 2,980 Year Ended December 31, 2014 December 31, 2014 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $1,312 $1,312 $-- $173 $76 Subdivision construction 4,540 4,540 344 2,593 226 Land development 7,601 8,044 1,507 9,691 292 Commercial construction -- -- -- -- -- Owner occupied one- to four-family residential 3,747 4,094 407 4,808 212 Non-owner occupied one- to four-family residential 1,889 2,113 78 4,010 94 Commercial real estate 28,641 30,781 1,751 29,808 1,253 Other residential 9,804 9,804 -- 10,469 407 Commercial business 2,725 2,750 823 2,579 158 Industrial revenue bonds -- -- -- 2,644 -- Consumer auto 420 507 63 219 37 Consumer other 629 765 94 676 71 Home equity lines of credit 431 476 75 461 25 Total $ 61,739 $ 65,186 $ 5,142 $ 68,131 $ 2,851 Year Ended December 31, 2013 December 31, 2013 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $-- $-- $-- $36 $-- Subdivision construction 3,502 3,531 1,659 3,315 163 Land development 12,628 13,042 473 13,389 560 Commercial construction -- -- -- -- -- Owner occupied one- to four-family residential 5,802 6,117 593 5,101 251 Non-owner occupied one- to four-family residential 3,751 4,003 249 4,797 195 Commercial real estate 31,591 34,032 90 42,242 1,632 Other residential 10,983 10,983 --- 13,837 434 Commercial business 6,057 6,077 4,162 6,821 179 Industrial revenue bonds 2,698 2,778 -- 2,700 27 Consumer auto 216 231 32 145 16 Consumer other 604 700 91 630 63 Home equity lines of credit 569 706 95 391 38 Total $ 78,401 $ 82,200 $ 7,444 $ 93,404 $ 3,558 At December 31, 2015, $25.1 million of impaired loans had specific valuation allowances totaling $6.1 million. At December 31, 2014, $20.0 million of impaired loans had specific valuation allowances totaling $5.1 million. At December 31, 2013, $18.0 million of impaired loans had specific valuation allowances totaling $7.4 million. For impaired loans which were nonaccruing, interest of approximately $1.0 million, $1.1 million and $1.6 million would have been recognized on an accrual basis during the years ended December 31, 2015, 2014 and 2013, respectively. Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach. The following table presents newly restructured loans during 201 and 201 by type of modification: 2015 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $-- $407 $164 $571 Commercial -- 115 -- 115 Commercial -- 1,095 -- 1,095 Consumer -- 97 -- 97 $ -- $ 1,714 $ 164 $ 1,878 2014 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One- to four-family residential construction $-- $-- $223 $223 Subdivision construction -- 250 -- 250 Residential one-to-four family 308 426 -- 734 Commercial 506 1,928 -- 2,434 Other residential -- 1,881 -- 1,881 Commercial -- 1,150 -- 1,150 Consumer -- 145 -- 145 $ 814 $ 5,780 $ 223 $ 6,817 At December 31, , the Company had $ million of loans that were modified in troubled debt restructurings and impaired, as follows: $ million of construction and land development loans, $13. million of single family and multi-family residential mortgage loans, $2 .3 million of commercial real estate loans, $ million of commercial business loans and $3 ,000 of consumer loans. Of the total troubled debt restructurings at December 31, , $ million were accruing interest and $1 million were classified as substandard using the Company’s internal grading system which is described below. The Company had troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the year ended December 31, When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. At December 31, 2014, the Company had $47.6 million of loans that were modified in troubled debt restructurings and impaired, as follows: $8.3 million of construction and land development loans, $13.8 million of single family and multi-family residential mortgage loans, $23.3 million of commercial real estate loans, $1.9 million of commercial business loans and $324 ,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2014, $39.2 million were accruing interest and $18.3 million were classified as substandard using the Company’s internal grading system. During the year ended December 31, , borrowers with loans designated as troubled debt restructurings totaling $ met the criteria for placement back on accrual status. The $2.7 million was made up of $ of residential mortgage loans $ ,000 of consumer loans $ of commercial loans. The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The acquired FDIC-covered loans are evaluated using this internal grading system. These loans are accounted for in pools and are currently substantially covered through loss sharing agreements with the FDIC. Minimal adverse classification in the loan pools was identified as of December 31, 2015 and 2014, respectively. The acquired loans no longer covered by the FDIC are also evaluated using this internal grading system, and are accounted for in pools. Minimal adverse classification in the loan pools was identified as of December 31, 2015 and 2014, respectively. The acquired non-covered loans are also evaluated using this internal grading system. These loans are accounted for in pools and minimal adverse classification in the loan pools was identified as of December 31, 2015. See Note 4 The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis. In the fourth quarter of 2014, the Company began using a three-year average of historical losses for the general component of the allowance for loan loss calculation. The Company had previously used a five-year average. The Company believes that the three-year average provides a better representation of the current risks in the loan portfolio. This change was made after consultation with our regulators and other third-party consultants, as well as a review of the practices used by the Company’s peers. This change did not materially affect the level of the allowance for loan losses. The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, the current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings. Management considers all these factors in determining the adequacy of its allowance for loan losses. No other significant changes were made to the loan risk grading system definitions and allowance for loan loss methodology during the past year. The loan grading system is presented by loan class below: December 31, 2015 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $22,798 $-- $728 $-- $-- $23,526 Subdivision construction 34,370 263 3,407 464 -- 38,504 Land development 47,357 6,992 -- 4,091 -- 58,440 Commercial construction 600,794 -- -- -- -- 600,794 Owner occupied one- to-four- family residential 108,584 587 -- 1,106 -- 110,277 Non-owner occupied one- to- four-family residential 144,744 516 3,827 787 -- 149,874 Commercial real estate 1,005,894 18,805 -- 18,775 -- 1,043,474 Other residential 409,172 8,422 -- 1,955 -- 419,549 Commercial business 355,370 1,303 438 469 --- 357,580 Industrial revenue bonds 37,362 -- -- -- -- 37,362 Consumer auto 439,157 -- -- 738 -- 439,895 Consumer other 74,167 -- -- 662 -- 74,829 Home equity lines of credit 83,627 -- -- 339 -- 83,966 Acquired FDIC-covered loans, net of discounts 236,055 -- -- 16 -- 236,071 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 33,237 -- -- 101 -- 33,338 Acquired non-covered loans, net of discounts 91,614 -- -- 1,822 -- 93,436 Total $ 3,724,302 $ 36,888 $ 8,400 $ 31,325 $ -- $ 3,800,915 December 31, 2014 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $39,049 $--- $-- $1,312 $-- $40,361 Subdivision construction 24,269 21 -- 4,303 -- 28,593 Land development 41,035 5,000 -- 6,061 -- 52,096 Commercial construction 392,929 -- -- -- -- 392,929 Owner occupied one- to-four- family residential 85,041 745 -- 1,763 -- 87,549 Non-owner occupied one- to- four-family residential 141,198 580 -- 1,273 -- 143,051 Commercial real estate 901,167 32,155 -- 12,554 -- 945,876 Other residential 380,811 9,647 -- 1,956 -- 392,414 Commercial business 351,744 423 -- 1,845 --- 354,012 Industrial revenue bonds 40,037 1,024 -- --- -- 41,061 Consumer auto 323,002 -- -- 351 -- 323,353 Consumer other 77,507 3 -- 519 -- 78,029 Home equity lines of credit 65,841 -- -- 431 -- 66,272 Acquired FDIC-covered loans, net of discounts 286,049 -- -- 559 -- 286,608 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 48,592 -- -- 1,353 -- 49,945 Acquired non-covered loans, net of discounts 121,982 -- -- -- -- 121,982 Total $ 3,320,253 $ 49,598 $ -- $ 34,280 $ --- $ 3,404,131 Certain of the Bank’s real estate loans are pledged as collateral for borrowings as set forth in Notes 9 11 Certain directors and executive officers of the Company and the Bank are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit. At December 31, 201 and 201 , loans outstanding to these directors and executive officers are summarized as follows: December 31, 2015 2014 (In Thousands) Balance, beginning of year $16,028 $7,093 New loans 3,390 10,427 Payments (5,131 ) (1,492 ) Balance, end of year $ 14,287 $ 16,028

Note 4_ Acquired Loans, Loss Sh

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	12 Months Ended
	Dec. 31, 2015
Notes
Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets TeamBank On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The loans, commitments and foreclosed assets purchased in the TeamBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank shares in the losses on assets covered under the agreement (referred to as covered assets). On losses up to $115.0 million, the FDIC agreed to reimburse the Bank for 80% of the losses. On losses exceeding $115.0 million, the FDIC agreed to reimburse the Bank for 95% of the losses. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans, which five-year period ended March 31, 2014. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The Bank recorded a preliminary one-time gain of $27.8 million (pre-tax) based upon the initial estimated fair value of the assets acquired and liabilities assumed in accordance with FASB ASC 805, Business Combinations The Bank originally recorded the fair value of the acquired loans at their preliminary fair value of $222.8 million and the related FDIC indemnification asset was originally recorded at its preliminary fair value of $153.6 million. As discussed above, these initial fair values were adjusted during the measurement period, resulting in a final fair value at the acquisition date of $264.4 million for acquired loans and $128.3 million for the FDIC indemnification asset. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2015, 2014 and 2013 was $0, $0 and $134,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $235.5 million, including $111.8 million of investment securities, $83.4 million of cash and cash equivalents, $2.9 million of foreclosed assets and $3.9 million of FHLB stock. Liabilities with a fair value of $610.2 million were also assumed, including $515.7 million of deposits, $80.9 million of FHLB advances and $2.3 million of repurchase agreements with a commercial bank. A customer-related core deposit intangible asset of $2.9 million was also recorded. In addition to the excess of liabilities over assets, the Bank received approximately $42.4 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC. Vantus Bank On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank shares in the losses on assets covered under the agreement (referred to as covered assets). On losses up to $102.0 million, the FDIC agreed to reimburse the Bank for 80% of the losses. On losses exceeding $102.0 million, the FDIC agreed to reimburse the Bank for 95% of the losses. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans, which five-year period ended September 30, 2014. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value of $62.2 million on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $45.9 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2009. During 2010, the Company continued to analyze its estimates of the fair values of the loans acquired and the indemnification asset recorded. The Company finalized its analysis of these assets without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $247.0 million and the related FDIC indemnification asset was recorded at its estimated fair value of $62.2 million. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2015, 2014 and 2013 was $0, $0 and $104,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $47.2 million, including $23.1 million of investment securities, $12.8 million of cash and cash equivalents, $2.2 million of foreclosed assets and $5.9 million of FHLB stock. Liabilities with a fair value of $444.0 million were also assumed, including $352.7 million of deposits, $74.6 million of FHLB advances, $10.0 million of borrowings from the Federal Reserve Bank and $3.2 million of repurchase agreements with a commercial bank. A customer-related core deposit intangible asset of $2.2 million was also recorded. In addition to the excess of liabilities over assets, the Bank received approximately $131.3 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC. Sun Security Bank On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC has agreed to cover 80% of the losses on the loans (excluding approximately $4 million of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value of $67.4 million on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $16.5 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2011. During 2012, the Company continued to analyze its estimates of the fair values of the loans acquired and the indemnification asset recorded. The Company finalized its analysis of these assets without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $163.7 million and the related FDIC indemnification asset was recorded at its estimated fair value of $67.4 million. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2015, 2014 and 2013 was $0, $105,000 and $974,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $85.2 million, including $45.3 million of investment securities, $26.1 million of cash and cash equivalents, $9.1 million of foreclosed assets, $3.0 million of FHLB stock and $1.8 million of other assets. Liabilities with a fair value of $345.8 million were also assumed, including $280.9 million of deposits, $64.3 million of FHLB advances and $632,000 of other liabilities. A customer-related core deposit intangible asset of $2.5 million was also recorded. Net of the excess of assets over liabilities, the Bank received approximately $40.8 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC. InterBank On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC has agreed to cover 80% of the losses on the loans (excluding approximately $60,000 of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value of $84.0 million on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $31.3 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2012. During 2012, the Company continued to analyze its estimates of the fair values of the loans acquired and the indemnification asset recorded. The Company finalized its analysis of these assets without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $285.5 million and the related FDIC indemnification asset was recorded at its estimated fair value of $84.0 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2015, 2014 and 2013 was $459,000, $544,000 and $636,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $79.8 million, including $34.9 million of investment securities, $34.5 million of cash and cash equivalents, $6.2 million of foreclosed assets, $585,000 of FHLB stock and $2.6 million of other assets. Liabilities with a fair value of $458.7 million were also assumed, including $456.3 million of deposits and $2.4 million of other liabilities. A customer-related core deposit intangible asset of $1.0 million was also recorded. Net of the excess of assets over liabilities, the Bank received approximately $40.8 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC. Valley Bank Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $10.8 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2014. During 2014, the Company continued to analyze its estimates of the fair values of the assets acquired and liabilities assumed. The Company finalized its analysis of these assets and liabilities without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $165.1 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2015 and 2014 was $794,000 and $501,000, respectively. Fair Value and Expected Cash Flows At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates. This valuation of the acquired loans is a significant component leading to the valuation of the loss sharing assets recorded. The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. The Company continues to evaluate the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the years ended December 31, 201 , 201 and 201 , increases in expected cash flows related to the acquired loan portfolios resulted in adjustments to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements. This resulted in corresponding adjustments during the years ended December 31, 201 , 201 and 201 , to the indemnification assets to be amortized on a level-yield basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever is shorter. The amounts of these adjustments were as follows: Year Ended December 31, 2015 2014 2013 (In Thousands) Increase in accretable yield due to increased cash flow expectations $13,720 $31,461 $40,947 Decrease in FDIC indemnification asset as a result of accretable yield increase (5,056) (23,129) (32,597) The adjustments, along with those made in previous years, impacted the Company’s Consolidated Statements of Income as follows: Year Ended December 31, 2015 2014 2013 (In Thousands) Interest income $28,531 $34,974 $35,211 Noninterest income (19,534 (28,740 (29,451 Net impact to pre-tax income $ 8,997 $ 6,234 $ 5,760 On an on-going basis the Company estimates the cash flows expected to be collected from the acquired loan pools. For the loan pools acquired in 2009, the cash flow estimates have increased, beginning with the fourth quarter of 2010, based on payment histories and reduced loss expectations of the loan pools. For the loan pools acquired in 2012 and 2011, the cash flow estimates have increased, beginning in 2012. For the loan pools acquired in 201 , the cash flow estimates have increased, beginning 201 . This resulted in increased income that was spread on a level-yield basis over the remaining expected lives of the loan pools. Because these adjustments will be recognized over the remaining lives of the loan pools and the remainder of the loss sharing agreements, respectively, they will impact future periods as well. The remaining accretable yield adjustment that will affect interest income is $ million and the remaining adjustment to the indemnification assets, including the effects of the clawback liability related to Interbank, that will affect non-interest income (expense) is $( ) million. Of the remaining adjustments, we expect to recognize $ million of interest income and $( ) million of non-interest income (expense) during 201 . Additional adjustments may be recorded in future periods from the FDIC-assisted acquisitions, as the Company continues to estimate expected cash flows from the acquired loan pools. The loss sharing asset is measured separately from the loan portfolio because it is not contractually embedded in the loans and is not transferable with the loans should the Bank choose to dispose of them. Fair value was estimated using projected cash flows available for loss sharing based on the credit adjustments estimated for each loan pool (as discussed above) and the loss sharing percentages outlined in the Purchase and Assumption Agreement with the FDIC. These cash flows were discounted to reflect the uncertainty of the timing and receipt of the loss sharing reimbursement from the FDIC. The loss sharing asset is also separately measured from the related foreclosed real estate. The loss sharing agreement on the InterBank transaction includes a clawback provision whereby if credit loss performance is better than certain pre-established thresholds, then a portion of the monetary benefit is shared with the FDIC. The pre-established threshold for credit losses is $115.7 million for this transaction. The monetary benefit required to be paid to the FDIC under the clawback provision, if any, will occur shortly after the termination of the loss sharing agreement, which in the case of InterBank is 10 years from the acquisition date. At December 31, 2014 and 2013, the Bank’s internal estimate of credit performance expected to be better than the threshold set by the FDIC in the loss sharing agreement. Therefore, a separate clawback liability totaling $6.1 million and $3.7 million was recorded at December 31, 2014 and 2013, respectively. As changes in the fair values of the loans and foreclosed assets are determined due to changes in expected cash flows, changes in the amount of the clawback liability will occur. In addition, beginning in the three months ended December 31, 2014, the Company's net interest margin has been impacted by additional yield accretion recognized in conjunction with updated estimates of the fair value of the loan pools acquired in the June 2014 Valley Bank FDIC-assisted transaction. Beginning with the three months ended December 31, 2014, the cash flow estimates have increased for certain of the Valley Bank loan pools primarily based on significant loan repayments and also due to collection of certain loans, thereby reducing loss expectations on certain of the loan pools. This resulted in increased income that was spread on a level-yield basis over the remaining expected lives of these loan pools. The Valley Bank transaction does not include a loss sharing agreement with the FDIC. Therefore, there is no related indemnification asset. The entire amount of the discount adjustment will be accreted to interest income over time with no offsetting impact to non-interest income The amount of the Valley Bank discount adjustment accreted to interest income for 2015 was $ million, and is included in the impact on net interest income/net interest margin amount in the table above. TeamBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the TeamBank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $7 million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $29,115 $-- Reclassification from nonaccretable discount to accretable discount due to change in (1,285) -- expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (27,660 -- Expected loss remaining 170 -- Assumed loss sharing recovery percentage 90 0 Expected loss sharing value 154 -- Indemnification asset to be amortized resulting from -- change in expected losses 241 -- FDIC indemnification asset $ 395 $ -- December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $43,855 $132 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,923) -- Original estimated fair value of assets, net of activity since acquisition date (41,560 (119 Expected loss remaining 372 13 Assumed loss sharing recovery percentage 85 77 Expected loss sharing value 315 10 Indemnification asset to be amortized resulting from change in expected losses 359 -- FDIC indemnification asset $ 674 $ 10 Vantus Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Vantus Bank transaction at December 31, and . loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $16. million of transfers to foreclosed assets and $29. million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $31,818 $608 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (470) -- Original estimated fair value of assets, net of activity since acquisition date (31,092 (418 Expected loss remaining 256 190 Assumed loss sharing recovery percentage 61 0 Expected loss sharing value 156 -- Indemnification asset to be amortized resulting from change in expected losses 319 -- FDIC indemnification asset $ 475 $ -- December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $42,138 $1,084 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (504) -- Original estimated fair value of assets, net of activity since acquisition date (40,997 (894 Expected loss remaining 637 190 Assumed loss sharing recovery percentage 72 0 Expected loss sharing value 461 -- Indemnification asset to be amortized resulting from change in expected losses 324 -- FDIC indemnification asset $ 785 $ -- Sun Security Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Sun Security Bank transaction at December 31, and . loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $ million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. Of the $ million expected loss remaining, $ ,000 is non-loss share discount. December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $43,855 $557 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,171) -- Original estimated fair value of assets, net of activity since acquisition date (40,349 (461 Expected loss remaining 1,335 96 Assumed loss sharing recovery percentage 34 80 Expected loss sharing value 456 77 Indemnification asset to be amortized resulting from change in expected losses 1,725 -- Accretable discount on FDIC indemnification asset (36 (63 FDIC indemnification asset $ 2,145 $ 14 December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $59,618 $2,325 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,341) -- Original estimated fair value of assets, net of activity since acquisition date (52,166 (1,488 Expected loss remaining 4,111 837 Assumed loss sharing recovery percentage 65 80 Expected loss sharing value 2,676 670 Indemnification asset to be amortized resulting from change in expected losses 2,662 -- Accretable discount on FDIC indemnification asset (267 (64 FDIC indemnification asset $ 5,071 $ 606 InterBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the InterBank transaction at December 31, and . loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $1 million of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $193,654 $2,110 Noncredit premium/(discount), net of activity since acquisition date 902 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (4,901) -- Original estimated fair value of assets, net of activity since acquisition date (170,308 (1,392 Expected loss remaining 19,347 718 Assumed loss sharing recovery percentage 83 80 Expected loss sharing value 16,032 575 FDIC loss share clawback 2,360 -- Indemnification asset to be amortized resulting from change in expected losses 3,920 -- Accretable discount on FDIC indemnification asset (1,801 (33 FDIC indemnification asset $ 20,511 $ 542 December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $244,977 $4,494 Noncredit premium/(discount), net of activity since acquisition date 1,361 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (19,566) -- Original estimated fair value of assets, net of activity since acquisition date (201,830 (3,986 Expected loss remaining 24,942 508 Assumed loss sharing recovery percentage 82 80 Expected loss sharing value 20,509 406 FDIC loss share clawback 3,620 -- Indemnification asset to be amortized resulting from change in expected losses 15,652 -- Accretable discount on FDIC indemnification asset (2,967 (33 FDIC indemnification asset $ 36,814 $ 373 Valley Bank Loans and Foreclosed Assets The following tables present the balances of the loans and discount related to the Valley Bank transaction at December 31, loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. The Valley Bank transaction did not include a loss sharing agreement; however, the loans were recorded at a discount, which is accreted to yield over the life of the loans. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $109,791 $1,017 Noncredit premium/(discount), net of activity since acquisition date 719 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,213) -- Original estimated fair value of assets, net of activity since acquisition date (93,436 (995 Expected loss remaining $ 13,861 $ 22 December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $145,845 $778 Noncredit premium/(discount), net of activity since acquisition date 1,514 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,519) -- Original estimated fair value of assets, net of activity since acquisition date (121,982 (778 Expected loss remaining $ 23,858 $ -- Changes in the accretable yield for acquired loan pools were as follows for the years ended December 31, , and : Sun (In Thousands) TeamBank Vantus Bank Security Bank InterBank Valley Bank Balance, January 1, 2013 $12,128 $13,538 $ 11,259 $42,574 $-- Accretion (9,473) (8,940) (16,

Note 5_ Other Real Estate Owned

Note 5: Other Real Estate Owned	12 Months Ended
	Dec. 31, 2015
Notes
Note 5: Other Real Estate Owned	Note 5: Other Real Estate Owned Major classifications of at December 31, and , were as follows: 2015 2014 (In Thousands) Foreclosed assets held for sale One- to four-family construction $ $223 Subdivision construction 7,016 9,857 Land development 12,133 17,168 Commercial construction -- -- One- to four-family residential 1,375 3,353 Other residential 2,150 2,625 Commercial real estate 3,608 1,632 Commercial business -- 59 Consumer 1,109 624 27,391 35,541 FDIC-supported foreclosed assets, net of discounts 1,834 5,695 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 460 879 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 995 778 Foreclosed assets held for sale, net 30,680 42,893 Other real estate owned not acquired through foreclosure 1,213 2,945 Other real estate owned $ 31,893 $ 45,838 As of December 31, 201 real estate owned not acquired through foreclosure include properties, of which were branch locations that have been closed and are held for sale, and one of which is land which was acquired for a potential branch location. During the , properties which had previously been part of other real estate owned not acquired through foreclosure were sold at a net gain of $ ,000. The properties sold included former branch locations , as well as vacant land which was sold at a gain of $ 27,000. At , 2015, residential mortgage loans totaling $ million were in the process of foreclosure, $ million of which were acquired loans. Of the $ million of acquired loans, $ are covered by loss sharing agreements and $ ,000 were acquired in the Valley Bank transaction. Expenses applicable to for the years ended December 31, , and , included the following: 2015 2014 2013 (In Thousands) Net gain on sales of real estate $(397) $(91) $(231) Valuation write-downs 890 3,343 1,384 Operating expenses, net of rental income 2,033 2,384 2,915 $ 2,526 $ 5,636 $ 4,068

Note 6_ Premises and Equipment

Note 6: Premises and Equipment	12 Months Ended
	Dec. 31, 2015
Notes
Note 6: Premises and Equipment	Note 6: Premises and Equipment Major classifications of premises and equipment at December 31, 201 and 201 , stated at cost, were as follows: 2015 2014 (In Thousands) Land $39,395 $35,577 Buildings and improvements 87,333 85,128 Furniture, fixtures and equipment 56,051 50,311 182,779 171,016 Less accumulated depreciation 53,124 46,175 $ 129,655 $ 124,841

Note 7_ Investments in Limited

Note 7: Investments in Limited Partnerships	12 Months Ended
	Dec. 31, 2015
Notes
Note 7: Investments in Limited Partnerships	Note 7: Investments in Limited Partnerships Investments in Affordable Housing Partnerships The Company has invested in certain limited partnerships that were formed to develop and operate apartments and single-family houses designed as high-quality affordable housing for lower income tenants throughout Missouri and contiguous states. At December 31, 201 , the Company had investments, with a net carrying value of $ million . At December 31, 201 , the Company had investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in Affordable Housing Partnerships, they all are accounted for using the proportional amortization method. Each of the partnerships must meet the regulatory requirements for affordable housing for a minimum 15-year compliance period to fully utilize the tax credits. If the partnerships cease to qualify during the compliance period, the credits may be denied for any period in which the projects are not in compliance and a portion of the credits previously taken may be subject to recapture with interest. The remaining federal affordable housing tax credits to be utilized over a maximum of 15 years were $3 .7 million as of December 31, , assuming no tax credit recapture events occur and all projects currently under construction are completed as planned. Amortization of the investments in partnerships is expected to be approximately $ million , assuming all projects currently under construction are completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $ million , $ million and $ million during , and , respectively. Investment amortization amounted to $ million , $ million and $ million for the years ended December 31, , and , respectively. Investments in Community Development Entities The Company has invested in certain limited partnerships that were formed to develop and operate business and real estate projects located in low-income communities. At December 31, , the Company had four investments, with a net carrying value of $ million . At December 31, , the Company had four investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in qualified Community Development Entities, they are all accounted for using the cost method. Each of the partnerships provides federal New Market Tax Credits over a seven-year credit allowance period. In each of the first three years, credits totaling five percent of the original investment are allowed on the credit allowance dates and for the final four years, credits totaling six percent of the original investment are allowed on the credit allowance dates. Each of the partnerships must be invested in a qualified Community Development Entity on each of the credit allowance dates during the seven-year period to utilize the tax credits. If the Community Development Entities cease to qualify during the seven-year period, the credits may be denied for any credit allowance date and a portion of the credits previously taken may be subject to recapture with interest. The investments in the Community Development Entities cannot be redeemed before the end of the seven-year period. The remaining federal New Market Tax Credits to be utilized over a maximum of seven years were $ million as of December 31, . Amortization of the investments in partnerships is expected to be approximately million . The Company’s usage of federal New Market Tax Credits approximated $2.3 million , $2.3 million and $ million during , and , respectively. Investment amortization amounted to $1.7 million , $1. million and $1. million for the years ended December 31, , and , respectively. Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain federal rehabilitation/historic tax credits. The Company utilizes these credits in their entirety in the year the project is placed in service and the impact to the Consolidated Statements of Income has not been material. Investments in Limited Partnerships for State Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain state tax credits. The Company has primarily syndicated these tax credits and the impact to the Consolidated Statements of Income has not been material.

Note 8_ Deposits

Note 8: Deposits	12 Months Ended
	Dec. 31, 2015
Notes
Note 8: Deposits	Note 8: Deposits Deposits at December 31, and , are summarized as follows: Weighted Average Interest Rate 2015 2014 (In Thousands, Except Interest Rates) Noninterest-bearing accounts -- $571,629 $518,266 Interest-bearing checking and savings accounts 0.24% - 0.19% 1,408,850 1,375,100 1,980,479 1,893,366 Certificate accounts 0% - 0.99% 863,865 798,932 1% - 1.99% 381,956 227,476 2% - 2.99% 39,592 61,146 3% - 3.99% 1,137 8,065 4% - 4.99% 1,304 1,435 5% and above 293 420 1,288,147 1,097,474 $ 3,268,626 $ 2,990,840 The weighted average interest rate on certificates of deposit was 0. % and 0. % at December 31, 201 and 201 , respectively. The aggregate amount of certificates of deposit originated by the Bank in denominations greater than $100,000 was approximately $ million and $402.0 million at December 31, 201 and 201 , respectively. The Bank utilizes brokered deposits as an additional funding source. The aggregate amount of brokered deposits was approximately $ million and $173.5 million at December 31, 201 and 201 , respectively. At December 31, 201 , scheduled maturities of certificates of deposit were as follows: Retail Brokered Total (In Thousands) 2016 $727,380 $202,089 $929,469 2017 186,133 79,267 265,400 2018 57,968 2,392 60,360 2019 12,536 -- 12,536 2020 15,644 -- 15,644 Thereafter 4,738 -- 4,738 $ 1,004,399 $ 283,748 $ 1,288,147 A summary of interest expense on deposits for the years ended December 31, 201 , 201 and 201 , is as follows: 2015 2014 2013 (In Thousands) Checking and savings accounts $2,858 $3,088 $3,551 Certificate accounts 10,739 8,264 8,871 Early withdrawal penalties (86 ) (127 ) (76 ) $ 13,511 $ 11,225 $ 12,346

Note 9_ Advances From Federal H

Note 9: Advances From Federal Home Loan Bank	12 Months Ended
	Dec. 31, 2015
Notes
Note 9: Advances From Federal Home Loan Bank	Note 9: Advances From Federal Home Loan Bank Advances from the Federal Home Loan Bank at December 31, 201 and 201 , consisted of the following: December 31, 2015 December 31, 2014 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) 2015 $-- --% $240,065 0.41% 2016 232,071 0.42 70 5.14 2017 30,826 3.26 30,826 3.26 2018 81 5.14 81 5.14 2019 28 5.14 28 5.14 2020 -- -- -- -- 2021 and thereafter 500 5.54 500 5.54 263,506 0.76 271,570 0.75 Unamortized fair value adjustment 40 71 $ 263,546 $ 271,641 Also i ncluded in the Bank’s FHLB advances at December 31, 201 and December 31, 201 , was a $30.0 million advance with a maturity date of November 24, 2017. The interest rate on this advance is 3.20%. The advance has a call provision that allows the Federal Home Loan Bank of Des Moines to call the advance quarterly. In June 2014 the Company prepaid a total of $80 million of its Federal Home Loan Bank advances and $50 million of structured repurchase agreements (see Note 12 The Bank has pledged FHLB stock, investment securities and first mortgage loans free of pledges, liens and encumbrances as collateral for outstanding advances. No investment securities were specifically pledged as collateral for advances at December 31, 201 and 201 . Loans with carrying values of approximately $1. billion and $1.10 billion were pledged as collateral for outstanding advances at December 31, 201 and 201 , respectively. The Bank had potentially available $ million remaining on its line of credit under a borrowing arrangement with the FHLB of Des Moines at December 31, 201 .

Note 10_ Short-term Borrowings

Note 10: Short-term Borrowings	12 Months Ended
	Dec. 31, 2015
Notes
Note 10: Short-term Borrowings	Note 10: Short-Term Borrowings Short-term borrowings at December 31, 201 and 201 , are summarized as follows: 2015 2014 (In Thousands) Notes payable – Community Development Equity Funds $1,295 $1,451 Overnight borrowings from the Federal Home Loan Bank -- 41,000 Securities sold under reverse repurchase agreements 116,182 168,993 $ 117,477 $ 211,444 The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements). Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition. The dollar amount of securities underlying the agreements remains in the asset accounts. Securities underlying the agreements are being held by the Bank during the agreement period. All agreements are written on a one-month or less. Short-term borrowings had weighted average interest rates of 0.0 % and 0.0 % at December 31, 201 and 201 , respectively. Short-term borrowings averaged approximately $ million and $165.2 million for the years ended December 31, 201 and 201 , respectively. The maximum amounts outstanding at any month end were $ million and $211.4 million, respectively, during those same periods. The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity. 2015 2014 Overnight and Overnight and Continuous Continuous (In Thousands) FHLBank CD $ -- $ 10,000 Mortgage-backed securities – GNMA, FNMA, FHLMC 161,182 158,993 $161,182 $168,993

Note 11_ Federal Reserve Bank B

Note 11: Federal Reserve Bank Borrowings	12 Months Ended
	Dec. 31, 2015
Notes
Note 11: Federal Reserve Bank Borrowings	Note 11: Federal Reserve Bank Borrowings At December 31, 201 and 201 , the Bank had $ million and $563.2 million , respectively, available under a line-of-credit borrowing arrangement with the Federal Reserve Bank. The line is secured primarily by commercial loans. There were no amounts borrowed under this arrangement at December 31, 201 or 201 .

Note 12_ Structured Repurchase

Note 12: Structured Repurchase Agreements	12 Months Ended
	Dec. 31, 2015
Notes
Note 12: Structured Repurchase Agreements	Note 12: Structured Repurchase Agreements In September 2008, the Company entered into a structured repurchase borrowing transaction for $50 million. This borrowing bore interest at a fixed rate of 4.34%, was scheduled to mature September 15, 2015, and had a call provision that allowed the repurchase counterparty to call the borrowing quarterly. The Company pledged investment securities to collateralize this borrowing. In June 2014, the Company elected to repay this structured repurchase borrowing and incurred a one-time prepayment penalty (see Note 9

Note 13_ Subordinated Debenture

Note 13: Subordinated Debentures Issued To Capital Trusts	12 Months Ended
	Dec. 31, 2015
Notes
Note 13: Subordinated Debentures Issued To Capital Trusts	Note 13: Subordinated Debentures Issued to Capital Trusts In November 2006, Great Southern Capital Trust II (Trust II), a statutory trust formed by the Company for the purpose of issuing the securities, issued a $25.0 million aggregate liquidation amount of floating rate cumulative trust preferred securities. The Trust II securities bear a floating distribution rate equal to 90-day LIBOR plus 1.60%. The Trust II securities are redeemable at the Company’s option beginning in February 2012, and if not sooner redeemed, mature on February 1, 2037. The Trust II securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended. The gross proceeds of the offering were used to purchase Junior Subordinated Debentures from the Company totaling $25.8 million and bearing an interest rate identical to the distribution rate on the Trust II securities. The initial interest rate on the Trust II debentures was 6.98%. The interest rate was 1. % and 1. % at December 31, 201 and 201 , respectively. In July 2007, Great Southern Capital Trust III (Trust III), a statutory trust formed by the Company for the purpose of issuing the securities, issued a $5.0 million aggregate liquidation amount of floating rate cumulative trust preferred securities. The Trust III securities a floating distribution rate equal to 90-day LIBOR plus 1.40%. The Trust III securities redeemable at the Company’s option beginning October 2012, and if not sooner redeemed, mature on October 1, 2037. The Trust III securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended. The gross proceeds of the offering were used to purchase Junior Subordinated Debentures from the Company totaling $5.2 million and bearing an interest rate identical to the distribution rate on the Trust III securities. The initial interest rate on the Trust III debentures was 6.76%. The interest rate was 1.64% at December 31, 2014. I n July 2015, the Company was the successful bidder in an auction of the $5.0 million aggregate liquidation amount of floating rate cumulative trust preferred securities issued in 2007 by Great Southern Capital Trust III. The Company purchased the trust preferred securities at a discount, which resulted in a pre-tax gain of approximately $1.1 milli on. Subsequent to the purchase, which resulted in the Company’s ownership of all of the outstanding common and preferred securities of Great Southern Capital Trust III, such securities were canceled and the principal amount of the Company’s related debentures, which had equaled the aggregate liquidation amount of the outstanding common and preferred securities of Great Southern Capital Trust III, was reduced to zero At December 31, 201 and 201 , subordinated debentures issued to capital trusts are summarized as follows: 2015 2014 (In Thousands) Subordinated debentures $ 25,774 $ 30,929

Note 14_ Income Taxes

Note 14: Income Taxes	12 Months Ended
	Dec. 31, 2015
Notes
Note 14: Income Taxes	Note 14: Income Taxes The Company files a consolidated federal income tax return. As of December 31, 201 and 201 , retained earnings included approximately $17.5 million for which no deferred income tax liability had been recognized. This amount represents an allocation of income to bad debt deductions for tax purposes only for tax years prior to 1988. If the Bank were to liquidate, the entire amount would have to be recaptured and would create income for tax purposes only, which would be subject to the then-current corporate income tax rate. The unrecorded deferred income tax liability on the above amount was approximately $6.5 million at December 31, 201 and 201 . During the years ended December 31, 201 , 201 and 201 , the provision for income taxes included these components: 2015 2014 2013 (In Thousands) Taxes currently payable $20,234 $20,013 $17,013 Deferred income taxes (4,670 ) (6,260 ) (8,839) Income taxes $ 15,564 $ 13,753 $ 8,174 The tax effects of temporary differences related to deferred taxes shown on the statements of financial condition were: December 31, 2015 2014 (In Thousands) Deferred tax assets Allowance for loan losses $13,848 $13,452 Interest on nonperforming loans 259 317 Accrued expenses 1,302 1,527 Write-down of foreclosed assets 4,056 3,970 Write-down of fixed assets 417 -- Other -- 350 19,882 19,616 Deferred tax liabilities Tax depreciation in excess of book depreciation (6,483) (6,443) FHLB stock dividends (1,549) (1,494) Partnership tax credits (1,991) (2,176) Prepaid expenses (515) (508) Unrealized gain on available-for-sale securities (3,369) (3,895) Difference in basis for acquired assets and liabilities (435) (4,738) Other (185 ) (236 ) (14,527 ) (19,490 ) Net deferred tax asset $ 5,355 $ 126 Reconciliations of the Company’s effective tax rates from continuing operations to the statutory corporate tax rates were as follows: 2015 2014 2013 Tax at statutory rate 35.0% 35.0% 35.0% Nontaxable interest and dividends (2.4) (3.0) (4.6) Tax credits (8.1) (9.5) (12.5) State taxes 1.4 1.5 1.6 Other (0.8 ) -- -- 25.1 % 24.0 % 19.5 % The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS) or the State of Missouri with respect to income or franchise tax returns and, as such, tax years through December 31, 2005, have been closed without audit. The Company, through one of its subsidiaries, is a partner in two partnerships currently under Internal Revenue Service examination for 2006 and 2007. As a result, the Company’s 2006 and subsequent tax years remain open for examination. The examinations of the partnerships have been advanced during 2015. One of the partnerships has advanced to Tax Court because a settlement was not reached at the IRS appeals level. The Company believes the partnership has a strong case and intends to defend its existing positions in Tax Court. The other partnership is at the IRS appeals level. The Company does not currently expect significant adjustments to its financial statements from these partnership examinations. The Company is currently in administrative appeals with the State of Kansas for its 2010 through 2012 tax years. The Company protested the state’s initial assessment and expects to have an informal conference with the Kansas Department of Revenue. The Company does not currently expect significant adjustments to its financial statements from this state examination.

Note 15_ Disclosures About Fair

Note 15: Disclosures About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Notes
Note 15: Disclosures About Fair Value of Financial Instruments	Note 15: Disclosures About Fair Value of Financial Instruments ASC Topic 820, Fair Value Measurements · Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. · Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. · Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity's own assumptions that are supported by little or no market activity or observable inputs. Financial instruments are broken down as follows by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods. From December 31, 2014 to December 31, 2015, the interest rate derivative asset and the interest rate derivative liability were transferred from Level 3 to Level 2 of the hierarchy. The core valuation of these derivative assets and liabilities, including termination or settlement value, are derived from observable market rates and are considered Level 2. Only the credit valuation adjustment of these derivative assets and liabilities is considered Level 3 based on its inputs, and that portion is immaterial to the overall value of the derivatives. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014: Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2015 U.S. government agencies $19,781 $-- $19,781 $-- Mortgage-backed securities 161,214 -- 161,214 -- States and political subdivisions 78,031 -- 78,031 -- Equity securities 3,830 -- -- -- Interest rate derivative asset 2,711 -- 2,711 -- Interest rate derivative liability (2,725) -- (2,725) -- December 31, 2014 U.S. government agencies $19,514 $-- $19,514 $-- Mortgage-backed securities 257,798 -- 257,798 -- States and political subdivisions 85,040 -- 85,040 -- Equity securities 3,154 -- -- -- Interest rate derivative asset 2,502 -- -- 2,502 Interest rate derivative liability (2,187) -- -- (2,187) The following is a description of inputs and valuation methodologies used for assets recorded at fair value on a recurring basis and recognized in the accompanying statements of financial condition at December 31, 201 and 201 , as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the year ended December 31, 201 . For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-Sale Securities Investment securities available for sale are recorded at fair value on a recurring basis. The fair values used by the Company are obtained from an independent pricing service, which represent either quoted market prices for the identical asset or fair values determined by pricing models, or other model-based valuation techniques, that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems. Recurring Level 1 securities include exchange traded equity securities. Recurring Level 2 securities include U.S. government agency securities, mortgage-backed securities, state and municipal bonds and certain . Inputs used for valuing Level 2 securities include observable data that may include dealer quotes, benchmark yields, market spreads, live trading levels and market consensus prepayment speeds, among other things. Additional inputs include indicative values derived from the independent pricing service’s proprietary computerized models. There were no Recurring Level 3 securities at both December 31, 201 and 201 . Interest Rate Derivatives The fair value is estimated using forward-looking interest rate curves and is using and, therefore, are classified within Level 2 of the valuation hierarchy. Level 3 Reconciliation The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying statements of financial condition using significant unobservable (Level 3) inputs. Interest Rate Derivative Asset (In Thousands) Balance, January 1, 2014 $1,859 Net change in fair value 228 Balance, December 31, 2014 2,087 Net change in fair value 496 Transfer to level 2 (2,583) Balance, December 31, 2015 $ -- Interest Rate Cap Derivative Asset Designated as Hedging Instrument (In Thousands) Balance, January 1, 2014 $685 Net change in fair value (270) Balance, December 31, 2014 415 Net change in fair value (287) Transfer to level 2 (128 ) Balance, December 31, 2015 $ -- Interest Rate Derivative Liability (In Thousands) Balance, January 1, 2014 $1,613 Net change in fair value 574 Balance, December 31, 2014 2,187 Net change in fair value 538 Transfer to level 2 (2,725) Balance, December 31, 2015 $ -- Nonrecurring Measurements The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 201 and 201 : Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2015 Impaired loans $ 13,896 $ -- $ -- $ 13,896 Foreclosed assets held for sale $ 1,722 $ -- $ -- $ 1,722 December 31, 2014 Impaired loans $ 11,658 $ -- $ -- $ 11,658 Foreclosed assets held for sale $ 6,975 $ -- $ -- $ 6,975 Following is a description of the valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Loans Held for Sale Mortgage loans held for sale are recorded at the lower of carrying value or fair value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2. Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk. The Company typically does not have commercial loans held for sale. At December 31, 201 and 201 , the aggregate fair value of mortgage loans held for sale exceeded their cost. Accordingly, no mortgage loans held for sale were marked down and reported at fair value. Impaired Loans A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off for the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the years ended December 31, 201 and 201 , are shown in the table above (net of reserves). Foreclosed Assets Held for Sale Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy. The foreclosed assets represented in the table above have been re-measured during the years ended December 31, 201 and 201 , subsequent to their initial transfer to foreclosed assets. The following disclosure relates to financial assets for which it is not practicable for the Company to estimate the fair value at December 31, 201 and 201 . FDIC Indemnification Asset As part of certain Purchase and Assumption Agreements, the Bank and the FDIC entered into loss sharing agreements. These agreements cover realized losses on loans and foreclosed real estate subject to certain limitations which are more fully described in Note 4 Under the TeamBank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $115 million in realized losses and 95% for realized losses that exceed $115 million. The indemnification asset was originally recorded at fair value on the acquisition date (March 20, 2009) and at December 31, 201 and 201 , the carrying value was $ ,000 and $684,000, respectively. Under the Vantus Bank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $102 million in realized losses and 95% for realized losses that exceed $102 million. The indemnification asset was originally recorded at fair value on the acquisition date (September 4, 2009) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ ,000 and $785,000, respectively. Under the Sun Security Bank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (October 7, 2011) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ million and $5.7 million, respectively. Under the InterBank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (April 27, 2012) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ million and $37.2 million, respectively. From the dates of acquisition, each of the four agreements extends ten years for 1-4 family real estate loans and five years for other loans. The loss sharing assets are measured separately from the loan portfolios because they are not contractually embedded in the loans and are not transferable with the loans should the Bank choose to dispose of them. Fair values on the acquisition dates were estimated using projected cash flows available for loss sharing based on the credit adjustments estimated for each loan pool and the loss sharing percentages. These cash flows were discounted to reflect the uncertainty of the timing and receipt of the loss sharing reimbursements from the FDIC. The loss sharing assets are also separately measured from the related foreclosed real estate. Although the assets are contractual receivables from the FDIC, they do not have effective interest rates. The Bank will collect the assets over the next several years. The amount ultimately collected will depend on the timing and amount of collections and charge-offs on the acquired assets covered by the loss sharing agreements. While the assets were recorded at their estimated fair values on the acquisition dates, it is not practicable to complete fair value analyses on a quarterly or annual basis. Estimating the fair value of the FDIC indemnification asset would involve preparing fair value analyses of the entire portfolios of loans and foreclosed assets covered by the loss sharing agreements from all of these acquisitions on a quarterly or annual basis. Fair Value of Financial Instruments The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value. Cash and Cash Equivalents and Federal Home Loan Bank Stock The carrying amount approximates fair value. Loans and Interest Receivable The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amount of accrued interest receivable approximates its fair value. Deposits and Accrued Interest Payable The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e. Federal Home Loan Bank Advances Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate fair value of existing advances. Short-Term Borrowings The carrying amount approximates fair value. Subordinated Debentures Issued to Capital Trusts The subordinated debentures have floating rates that reset quarterly. The carrying amount of these debentures approximates their fair value. Commitments to Originate Loans, Letters of Credit and Lines of Credit The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. December 31, 2015 December 31, 2014 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In thousands) Financial assets Cash and cash equivalents $199,183 $199,183 1 $218,647 $218,647 1 Held-to-maturity securities 353 384 2 450 499 2 Mortgage loans held for sale 12,261 12,261 2 14,579 14,579 2 Loans, net of allowance for loan losses 3,340,536 3,355,924 3 3,038,848 3,047,741 3 Accrued interest receivable 10,930 10,930 3 11,219 11,219 3 Investment in FHLB stock 15,303 15,303 3 16,893 16,893 3 Financial liabilities Deposits 3,268,626 3,271,318 3 2,990,840 2,996,226 3 FHLB advances 263,546 264,331 3 271,641 273,568 3 Short-term borrowings 117,477 117,477 3 211,444 211,444 3 Subordinated debentures 25,774 25,774 3 30,929 30,929 3 Accrued interest payable 1,080 1,080 3 1,067 1,067 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans -- -- 3 -- -- 3 Letters of credit 145 145 3 92 92 3 Lines of credit -- -- 3 -- -- 3

Note 16_ Operating Leases

Note 16: Operating Leases	12 Months Ended
	Dec. 31, 2015
Notes
Note 16: Operating Leases	Note 16: Operating Leases The Company has entered into various operating leases at several of its locations. Some of the leases have renewal options. At December 31, 201 , future minimum lease payments were as follows (in thousands): 2016 $936 2017 786 2018 582 2019 415 2020 317 Thereafter 215 $ 3,251 Rental expense was $1. million , $1. million and $1. million for the years ended December 31, 201 , 201 and 201 , respectively.

Note 17_ Derivatives and Hedgin

Note 17: Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2015
Notes
Note 17: Derivatives and Hedging Activities	Note 17: Derivatives and Hedging Activities Risk Management Objective of Using Derivatives The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities. In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management. The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship. Nondesignated Hedges The Company has interest rate swaps that are not designated in qualifying hedging relationship. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps. Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty. Two of the seven acquired loans with interest rate swaps have paid off. The notional amount of the five remaining Valley swaps is $ million at December 31, . As of December 31, , the Company had 28 interest rate swaps totaling $ million in notional amount with commercial customers, and 28 interest rate swaps with the same notional amount with third parties related to its program. As of December 31, , the Company had interest rate swaps totaling $ million in notional amount with commercial customers, and interest rate swaps with the same notional amount with third parties related to its program. During the years ended December 31, and , the Company recognized net loss of $ ,000 and $ ,000, respectively, in noninterest income related to changes in the fair value of these swaps. Cash Flow Hedges As a strategy to maintain acceptable levels of exposure to the risk of changes in future cash flows due to interest rate fluctuations, the Company entered into two interest rate cap agreements for a portion of its floating rate debt associated with its trust preferred securities. One agreement, with a notional amount of $25 million, states that the Company will pay interest on its trust preferred debt in accordance with the original debt terms at a rate of 3-month LIBOR + 1.60%. Should interest rates rise above a certain threshold, the counterparty will reimburse the Company for interest paid such that the Company will have an effective interest rate on that portion of its trust preferred securities no higher than 2.37%. The agreement became effective on August 1, 2013 and has a term of four years. The other agreement, with a notional amount of $5 million, was terminated when the Company purchased the related trust preferred securities in July 2015. See Note 13 The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affects earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During the years ended December 31, 2015 and 2014, the Company recognized $-0- in noninterest income related to changes in the fair value of these derivatives. During the years ended December 31, 2015 and 2014, the Company recognized $187,000 and $19,000, respectively, in interest expense related to the amortization of the cost of these interest rate caps. During the year ended December 31, 2015, one of the agreements was terminated as noted above. As part of this termination, the remaining cost of the cash flow hedge, $95,000, was recognized as interest expense in 2015 (included in the $187,000 discussed here). The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition: Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2015 2014 (In Thousands) Derivatives designated as hedging instruments Interest rate caps Prepaid expenses and other assets $ 128 $ 415 Total derivatives designated as hedging instruments $ 128 $ 415 Derivatives not designated as hedging instruments Asset Derivatives Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 2,583 $ 2,087 Total derivatives not designated as hedging instruments $ 2,583 $ 2,087 Liability Derivatives Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 2,725 $ 2,187 Total derivatives not designated as hedging instruments $ 2,725 $ 2,187 The following tables present the effect of derivative instruments on the statements of comprehensive income: Year Ended December 31 Cash Flow Hedges Amount of Gain (Loss) Recognized in AOCI 2015 2014 2013 (In Thousands) Interest rate cap, net of income taxes $ (50) $ (164 $ (34 Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. As of December 31, , the termination value of derivatives in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $2. million. The Company has minimum collateral posting thresholds with its derivative counterparties. At December 31 , 201 , the Company’s activity with its derivative counterparties had met the level at which the minimum collateral posting thresholds take effect and the Company had posted $ million of collateral to satisfy the agreement. As of December 31, , the termination value of derivatives in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $ . At December 31 , , the Company’s activity with its derivative counterparties had met the level at which the minimum collateral posting thresholds take effect and the Company had posted $ of collateral to satisfy the agreement. If the Company had breached any of these provisions at December 31, and , it could have been required to settle its obligations under the agreements at the termination value.

Note 18_ Commitments and Credit

Note 18: Commitments and Credit Risk	12 Months Ended
	Dec. 31, 2015
Notes
Note 18: Commitments and Credit Risk	Note 18: Commitments and Credit Risk Commitments to Originate Loans Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a significant portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case by case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, commercial real estate and residential real estate. At December 31, 201 and 201 , the Bank had outstanding commitments to originate loans and fund commercial construction loans aggregating approximately $ million and $130.0 million, respectively. The commitments extend over varying periods of time with the majority being disbursed within a 30- to 180-day period. Mortgage loans in the process of origination represent amounts that the Bank plans to fund within a normal period of 60 to 90 days, many of which are intended for sale to investors in the secondary market. Total mortgage loans in the process of origination amounted to approximately $ million and $ million at December 31, 201 and 201 , respectively. Letters of Credit Standby letters of credit are irrevocable conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Financial standby letters of credit are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. Performance standby letters of credit are issued to guarantee performance of certain customers under nonfinancial contractual obligations. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loans to customers. Fees for letters of credit issued are initially recorded by the Bank as deferred revenue and are included in earnings at the termination of the respective agreements. Should the Bank be obligated to perform under the standby letters of credit, the Bank may seek recourse from the customer for reimbursement of amounts paid. The Company had total outstanding standby letters of credit amounting to approximately $ million and $ million at December 31, 201 and 201 , respectively, with $ million and $ million, respectively, of the letters of credit having terms up to five years and $ million and $3. million, respectively, of the letters of credit having terms over five years. Of the amount having terms over five years, $ million and $2. million at December 31, 201 and 201 , respectively, consisted of an outstanding letter of credit to guarantee the payment of principal and interest on a Multifamily Housing Refunding Revenue Bond Issue. Purchased Letters of Credit The Company has purchased letters of credit from the Federal Home Loan Bank as security for certain public deposits. The amount of the letters of credit was $2. million and $ million at December 31, 201 and 201 , respectively, and they expire in less than one year from issuance. Lines of Credit Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case by case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, commercial real estate and residential real estate. The Bank uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments. At December 31, 201 , the Bank had granted unused lines of credit to borrowers aggregating approximately $ million and $ million for commercial lines and open end consumer lines, respectively. At December 31, 201 , the Bank had granted unused lines of credit to borrowers aggregating approximately $ million and $ million for commercial lines and open end consumer lines, respectively. Credit Risk The Bank grants collateralized commercial, real estate and consumer loans primarily to customers in its market areas. Although the Bank has a diversified portfolio, loans (excluding those covered by loss sharing agreements) aggregating approximately $ million and $524.7 million at December 31, 201 and 201 , respectively, are secured primarily by apartments, condominiums, residential and commercial land developments, industrial revenue bonds and other types of commercial properties in the St. Louis, Missouri, area.

Note 19_ Additional Cash Flow I

Note 19: Additional Cash Flow Information	12 Months Ended
	Dec. 31, 2015
Notes
Note 19: Additional Cash Flow Information	Note 19: Additional Cash Flow Information 2015 2014 2013 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $12,185 $19,975 $45,941 Sale and financing of foreclosed assets $3,316 $1,805 $11,303 Conversion of premises and equipment to foreclosed assets -- $202 $2,111 Dividends declared but not paid $3,055 $2,896 $2,606 Additional Cash Payment Information Interest paid $15,984 $15,833 $19,426 Income taxes paid $13,096 $8,510 $17,351

Note 20_ Employee Benefits

Note 20: Employee Benefits	12 Months Ended
	Dec. 31, 2015
Notes
Note 20: Employee Benefits	Note 20: Employee Benefits The Company participates in the Pentegra Defined Benefit Plan for Financial Institutions (Pentegra DB Plan), a multiemployer defined benefit pension plan covering all employees who have met minimum service requirements. Effective July 1, 2006, this plan was closed to new participants. Employees already in the plan continue to accrue benefits. The Pentegra DB Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333. The Company’s policy is to fund pension cost accrued. Employer contributions charged to expense for the years ended December 31, , and , were approximately $ ,000, $ ,000 and $ ,000, respectively. The Company’s contributions to the Pentegra DB Plan were not more than 5% of the total contributions to the plan. The funded status of the plan as of July 1, and , was % and %, respectively. The funded status was calculated by taking the market value of plan assets, which reflected contributions received through June 30, and , respectively, divided by the funding target. No collective bargaining agreements are in place that require contributions to the Pentegra DB Plan. The Company has a defined contribution retirement plan covering substantially all employees. The Company matches 100% of the employee’s contribution on the first 3% of the employee’s compensation and also matches an additional 50% of the employee’s contribution on the next 2% of the employee’s compensation. Employer contributions charged to expense for this plan for the years ended December 31, , and , were approximately $1.1 million $870,000, respectively.

Note 21_ Stock Option Plan

Note 21: Stock Option Plan	12 Months Ended
	Dec. 31, 2015
Notes
Note 21: Stock Option Plan	Note 21: Stock Compensation Plans The Company established the 2003 Stock Option and Incentive Plan (the “2003 Plan”) for employees and directors of the Company and its subsidiaries. Under the plan, stock options or other awards could be granted with respect to 598,224 shares of common stock. On May 15, 2013, the Company’s stockholders approved the Great Southern Bancorp, Inc. 2013 Equity Incentive Plan (the “2013 Plan”). Upon the stockholders’ approval of the 2013 Plan, the Company’s 2003 Plan was frozen. As a result, no new stock options or other awards may be granted under the 2003 Plan; however, existing outstanding awards under the 2003 Plan were not affected. At December 31, 2015, 265,182 options were outstanding under the 2003 Plan. The 2013 Plan provides for the grant from time to time to directors, emeritus directors, officers, employees and advisory directors of stock options, stock appreciation rights and restricted stock awards. The number of shares of Common Stock available for awards under the 2013 Plan is 700,000, all of which may be utilized for stock options and stock appreciation rights and no more than 100,000 of which may be utilized for restricted stock awards. At December 31, 2015, 368,550 options were outstanding under the 2013 Plan. Stock options may be either incentive stock options or nonqualified stock options, and the option price must be at least equal to the fair value of the Company’s common stock on the date of grant. Options generally are granted for a 10 year term and generally become exercisable in four cumulative annual installments of 25% commencing two years from the date of grant. The Stock Option Committee may accelerate a participant’s right to purchase shares under the plan. Stock awards may be granted to key officers and employees upon terms and conditions determined solely at the discretion of the Stock Option Committee. The table below summarizes transactions under the Company’s stock option plans: Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2013 326,622 733,292 $24.227 Granted from 2003 plan (3,100) 3,100 23.957 Exercised -- (106,367) 19.687 Forfeited from terminated plan(s) 46,818 (46,818) 27.202 Termination of 2003 Plan (370,340 ) -- -- 583,207 Available to grant from 2013 Plan 700,000 -- Granted from 2013 Plan (116,500 ) 116,500 29.515 Balance, December 31, 2013 583,500 699,707 25.597 Granted from 2013 plan (147,400) 147,400 32.450 Exercised -- (153,287) 27.088 Forfeited from terminated plan(s) -- (22,022) 27.387 Forfeited from current plan(s) 10,700 (10,700) 30.204 Balance, December 31, 2014 446,800 661,098 26.560 Granted from 2013 Plan (129,350) 129,350 49.199 Exercised -- (134,263) 25.403 Forfeited from terminated plan(s) -- (8,453) 24.941 Forfeited from current plan(s) 14,000 (14,000) 33.389 Balance, December 31, 2015 331,450 633,732 $ 31.297 The Company’s stock option grants contain terms that provide for a graded vesting schedule whereby portions of the options vest in increments over the requisite service period. These options typically vest one-fourth at the end of years two, three, four and five from the grant date. As provided for under FASB ASC 718, the Company has elected to recognize compensation expense for options with graded vesting schedules on a straight-line basis over the requisite service period for the entire option grant. In addition, ASC 718 requires companies to recognize compensation expense based on the estimated number of stock options for which service is expected to be rendered. historical forfeitures of its share-based awards have not been material. The fair value of each option award is estimated on the date of the grant using the Black-Scholes option pricing model with the following assumptions : 2015 2014 2013 Expected dividends per share $0.88 $0.80 $0.72 Risk-free interest rate 1.66% 1.40% 1.53% Expected life of options 5 years 5 years 5 years Expected volatility 24.42% 18.95% 24.80% Weighted average fair value of options granted during year $9.59 $4.20 $5.22 Expected volatilities are based on the historical volatility of the Company’s stock, based on the monthly closing stock price. The expected term of options granted is based on actual historical exercise behavior of all employees and directors and approximates the graded vesting period of the options. Expected dividends are based on the annualized dividends declared at the time of the option grant. The risk-free interest rate is based on the five-year treasury rate on the grant date of the options. The following table presents the activity related to options under all plans for the year ended December 31, 201 Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2015 661,098 $26.560 6.72 years Granted 129,350 49.199 Exercised (134,263) 25.403 Forfeited (22,453 ) 30.208 Options outstanding, December 31, 2015 633,732 31.297 7.22 years Options exercisable, December 31, 2015 221,568 23.518 4.72 years For the years ended December 31, , and , options granted were , 1 , and , respectively. The total intrinsic value (amount by which the fair value of the underlying stock exceeds the exercise price of an option on exercise date) of options exercised during the years ended December 31, , and , was $932,000 $858,000, respectively. Cash received from the exercise of options for the years ended December 31, , and , was $ million, $ million and $ million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $ , $ ,000 and $ ,000 for the years ended December 31, , and , respectively. The following table presents the activity related to nonvested options under all plans for the year ended December 31, 201 . Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2015 390,047 $28.148 $4.480 Granted 129,350 49.199 9.586 Vested this period (87,349) 24.299 4.591 Nonvested options forfeited (19,884 ) 30.051 4.946 Nonvested options, December 31, 2015 412,164 35.479 6.039 At December 31, 201 , there was $ million of total unrecognized compensation cost related to nonvested options granted under the Company’s plans. This compensation cost is expected to be recognized through 20 , with the majority of this expense recognized in 201 and 201 . The following table further summarizes information about stock options outstanding at December 31, 201 : Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Term Price Exercisable Price $8.360 to $19.530 80,449 5.50 years $17.834 57,639 $17.281 $21.320 to $24.820 129,593 6.02 years 23.694 82,473 23.094 $25.480 to $29.860 138,770 6.55 years 28.632 57,586 27.408 $30.660 to $39.050 169,570 7.69 years 32.628 23,870 30.660 $41.500 to $50.710 115,350 9.88 years 50.478 -- -- 633,732 7.22 years 31.297 221,568 23.518

Note 22_ Significant Estimates

Note 22: Significant Estimates and Concentrations	12 Months Ended
	Dec. 31, 2015
Notes
Note 22: Significant Estimates and Concentrations	Note 22: Significant Estimates and Concentrations Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for loan losses are reflected in Note 3 Note 4 Other significant estimates not discussed in those footnotes include valuations of foreclosed assets held for sale. The carrying value of foreclosed assets reflects management’s best estimate of the amount to be realized from the sales of the assets. While the estimate is generally based on a valuation by an independent appraiser or recent sales of similar properties, the amount that the Company realizes from the sales of the assets could differ materially in the near term from the carrying value reflected in these financial statements.

Note 23_ Accumulated Other Comp

Note 23: Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2015
Notes
Note 23: Accumulated Other Comprehensive Income	Note 23: Accumulated Other Comprehensive Income The components of accumulated other comprehensive income (AOCI), included in stockholders’ equity, are as follows: 2015 2014 (In Thousands) Net unrealized gain on available-for-sale securities $9,282 $11,129 Net unrealized loss on derivatives used for cash flow hedges (391 (304 8,891 10,825 Tax effect (3,227 (3,789 Net-of-tax amount $ 5,664 $ 7,036 Amounts reclassified from AOCI and the affected line items in the statements of income during the years ended December 31, 201 , 201 and 201 , were as follows: Amounts Reclassified from AOCI 2015 2014 2013 Affected Line Item in the Statements of Income (In Thousands) Unrealized gains on available-for-sale securities $2 $2,139 $243 Net realized gains on available-for-sale securities (total reclassified amount before tax) Total reclassified amount before tax Income taxes (1 (749 (85 Tax (expense) benefit Total reclassifications out of AOCI $ 1 $ 1,390 $ 158

Note 24_ Regulatory Matters

Note 24: Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Notes
Note 24: Regulatory Matters	Note 24: Regulatory Matters The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct and material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under . The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below as of December 31, 201 ) of Total and Tier I Capital (as defined) to risk-weighted assets (as defined) of Tier I Capital (as defined) to adjusted tangible assets (as defined) risk-weighted assets (as defined). Management believes, as of December 31, 201 , that the Bank met all capital adequacy requirements to which it was then subject. As of December 31, 201 , the most recent notification from the Bank’s regulators categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized as of December 31, 201 , the Bank must have maintained minimum otal , Tier I Tier 1 everage capital ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company’s and the Bank’s actual capital amounts and ratios are presented in the following table. No amount was deducted from capital for interest-rate risk. To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) As of December 31, 2015 Total capital Great Southern Bancorp, Inc. $452,637 12.6% $288,279 8.0% -- -- Great Southern Bank $434,334 12.1% $288,180 8.0% $360,225 10.0% Tier I capital Great Southern Bancorp, Inc. $414,488 11.5% $216,209 6.0% -- -- Great Southern Bank $396,185 11.0% $216,135 6.0% $288,180 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $414,488 10.2% $162,576 4.0% -- N/A Great Southern Bank $396,185 9.8% $161,986 4.0% $202,482 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $389,460 10.8% $162,157 4.5% -- -- Great Southern Bank $396,157 11.0% $162,101 4.5% $234,146 6.5% As of December 31, 2014 Total risk-based capital Great Southern Bancorp, Inc. $473,689 14.5% $261,062 8.0% -- -- Great Southern Bank $410,291 12.6% $260,919 8.0% $326,149 10.0% Tier I risk-based capital Great Southern Bancorp, Inc. $435,254 13.3% $130,531 4.0% -- -- Great Southern Bank $371,856 11.4% $130,459 4.0% $195,689 6.0% Tier I leverage capital Great Southern Bancorp, Inc. $435,254 11.1% $156,395 4.0% -- -- Great Southern Bank $371,856 9.5% $156,197 4.0% $195,247 5.0% The Company and the Bank are subject to certain restrictions on the amount of dividends that may be declared without prior regulatory approval. At December 31, 201 and 201 , the Company and the Bank exceeded their minimum capital requirements then in effect. The entities may not pay dividends which would reduce capital below the minimum requirements shown above.

Note 25_ Litigation Matters

Note 25: Litigation Matters	12 Months Ended
	Dec. 31, 2015
Notes
Note 25: Litigation Matters	Note 25: Litigation Matters In the normal course of business, the Company and its subsidiaries are subject to pending and threatened legal actions, some of which seek substantial relief or damages. While the ultimate outcome of such legal proceedings cannot be predicted with certainty, after reviewing pending and threatened litigation with counsel, management believes at this time that, except as noted below, the outcome of such litigation will not have a material adverse effect on the Company’s business, financial condition or results of operations. On November 22, 2010, a suit was filed against the Bank in the Circuit Court of Greene County, Missouri by a customer alleging that the fees associated with the Bank’s automated overdraft program in connection with its debit cards and ATM cards constitute unlawful interest in violation of Missouri’s usury laws. The Court has certified a class of Bank customers who have paid overdraft fees on their checking accounts pursuant to the Bank’s automated overdraft program. The Bank intends to contest this case vigorously. At this stage of the litigation, it is not possible for management of the Bank to determine the probability of a material adverse outcome or reasonably estimate the amount of any potential loss.

Note 26_ Summary of Unaudited Q

Note 26: Summary of Unaudited Quarterly Operating Results	12 Months Ended
	Dec. 31, 2015
Notes
Note 26: Summary of Unaudited Quarterly Operating Results	Note 26: Summary of Unaudited Quarterly Operating Results Following is a summary of unaudited quarterly operating results for the years 201 , 201 and 201 : 2015 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $47,906 $45,734 $45,755 $44,956 Interest expense 3,781 3,725 4,230 4,261 Provision for loan losses 1,300 1,300 1,703 1,216 Net realized gains (losses) and impairment on available-for-sale securities -- -- 2 -- Noninterest income (56) 3,457 5,120 5,060 Noninterest expense 27,242 27,949 30,014 29,145 Provision (credit) for income taxes 3,874 4,214 3,732 3,744 Net income 11,653 12,003 11,196 11,650 Net income available to common shareholders 11,508 11,858 11,051 11,531 Earnings per common share – diluted 0.83 0.85 0.79 0.81 2014 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $42,294 $44,384 $47,607 $49,077 Interest expense 4,328 4,413 3,501 3,559 Provision for loan losses 1,691 1,462 945 53 Net realized gains (losses) and impairment on available-for-sale securities 73 569 321 1,176 Noninterest income 924 10,631 1,778 1,398 Noninterest expense 25,894 34,399 29,398 31,168 Provision (credit) for income taxes 2,487 3,687 3,951 3,628 Net income from continuing operations 8,818 11,054 11,590 12,067 Discontinued operations -- -- -- -- Net income 8,818 11,054 11,590 12,067 Net income available to common shareholders 8,673 10,909 11,445 11,923 Earnings per common share – diluted 0.63 0.79 0.83 0.86 2013 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $47,356 $43,481 $43,019 $44,939 Interest expense 5,224 4,980 4,555 4,444 Provision for loan losses 8,225 3,671 2,677 2,813 Net realized gains (losses) and impairment on available-for-sale securities 34 97 110 2 Noninterest income 2,924 2,327 929 (865) Noninterest expense 25,920 26,712 26,156 26,830 Provision (credit) for income taxes 2,517 2,221 2,121 1,315 Net income from continuing operations 8,394 8,224 8,439 8,672 Discontinued operations -- -- -- -- Net income 8,394 8,224 8,439 8,672 Net income available to common shareholders 8,249 8,079 8,294 8,528 Earnings per common share – diluted 0.60 0.59 0.61 0.62

Note 27_ Condensed Parent Compa

Note 27: Condensed Parent Company Statements	12 Months Ended
	Dec. 31, 2015
Notes
Note 27: Condensed Parent Company Statements	Note 27: Condensed Parent Company Statements The condensed statements of financial condition at December 31, 201 and 201 , and statements of income, comprehensive income and cash flows for the years ended December 31, 201 , 201 and 201 , for the parent company, Great Southern Bancorp, Inc., were as follows: December 31, 2015 2014 (In Thousands) Statements of Financial Condition Assets Cash $20,009 $64,836 Available-for-sale securities 3,830 3,154 Investment in subsidiary bank 403,174 385,046 Prepaid expenses and other assets 1,335 1,466 $428,348 $454,502 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $3,403 $3,126 Deferred income taxes 944 702 Subordinated debentures issued to capital trust 25,774 30,929 Preferred stock -- 57,943 Common stock 139 138 Additional paid-in capital 24,371 22,345 Retained earnings 368,053 332,283 Accumulated other comprehensive income 5,664 7,036 $428,348 $454,502 2015 2014 2013 (In Thousands) Statements of Income Income Dividends from subsidiary bank $27,000 $36,000 $24,000 Interest and dividend income 5 22 20 Gain on redemption of trust preferred securities and sale of non-marketable securities 1,416 -- -- Other income (loss) (7) (20) 13 28,414 36,002 24,033 Expense Operating expenses 1,139 1,198 1,132 Interest expense 714 567 560 1,853 1,765 1,692 Income before income tax and equity in undistributed earnings of subsidiaries 26,561 34,237 22,341 Credit for income taxes (91) (388) (365) Income before equity in earnings of subsidiaries 26,652 34,625 22,706 Equity in undistributed earnings of subsidiaries 19,850 8,904 11,023 Net income $46,502 $43,529 $33,729 2015 2014 2013 (In Thousands) Statements of Cash Flows Operating Activities Net income $46,502 $43,529 $33,729 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (19,850) (8,904) (11,023) Compensation expense for stock option grants 382 565 443 Net realized gains on redemption of trust preferred securities (1,115) -- -- Net realized gains on sales of non-marketable securities (301) -- -- Amortization of interest rate derivative 204 19 -- Changes in Prepaid expenses and other assets (27) (3) 4 Accounts payable and accrued expenses 63 (67) (146) Income taxes 55 43 1 Net cash provided by operating activities 25,913 35,182 23,008 Investing Activities (Investment)/Return of principal - other investments 16 20 (13) Net cash provided by (used in) investing activities 16 20 (13) Financing Activities Purchase of interest rate derivative -- -- (738) Redemption of preferred stock (57,943) -- -- Redemption of trust preferred securities (3,885) -- -- Purchases of the Company’s common stock -- (512) -- Dividends paid (12,290) (11,257) (7,964) Stock options exercised 3,362 2,438 1,242 Net cash used in financing activities (70,756) (9,331) (7,460) Increase (Decrease) in Cash (44,827) 25,871 15,535 Cash, Beginning of Year 64,836 38,965 23,430 Cash, End of Year $20,009 $64,836 $38,965 Additional Cash Payment Information Interest paid $730 $570 $565 2015 2014 2013 (In Thousands) Statements of Comprehensive Income Net Income $46,502 $43,529 $33,729 Unrealized appreciation on available-for-sale securities, net of taxes of $273, $100 and $302, for 2015, 2014 and 2013, respectively 400 185 561 Change in fair value of cash flow hedge, net of taxes (credit) of $(34), $(88) and $(19) for 2015, 2014 and 2013, respectively (50) (164) (34) Comprehensive income (loss) of subsidiaries (1,722) 4,553 (14,715) Comprehensive Income $45,130 $48,103 $19,541

Note 28_ Preferred Stock

Note 28: Preferred Stock	12 Months Ended
	Dec. 31, 2015
Notes
Note 28: Preferred Stock	Note 28: Preferred Stock On August 18, 2011, the Company entered into a Small Business Lending Fund-Securities Purchase Agreement (the “SBLF Purchase Agreement”) with the Secretary of the Treasury, pursuant to which the Company sold 57,943 shares of the Company’s Senior Non-Cumulative Perpetual Preferred Stock, Series A (the “SBLF Preferred Stock”) to the Secretary of the Treasury for a purchase price of $57.9 million. The SBLF Preferred Stock was issued pursuant to Treasury’s SBLF program, a $30 billion fund established under the Small Business Jobs Act of 2010 that was created to encourage lending to small businesses by providing Tier 1 capital to qualified community banks and holding companies with assets of less than $10 billion. As required by the SBLF Purchase Agreement, the proceeds from the sale of the SBLF Preferred Stock were used in connection with the redemption of 58,000 shares of plus the accrued dividends . The SBLF Preferred Stock qualifie as Tier 1 capital. The holders of SBLF Preferred Stock entitled to receive noncumulative dividends, payable quarterly, on each January 1, April 1, July 1 and October 1. The dividend rate, as a percentage of the liquidation amount, fluctuate between one percent (1%) and five percent (5%) per annum on a quarterly basis during the first 10 quarters during which the SBLF Preferred Stock outstanding, based upon changes in the level of “Qualified Small Business Lending” or “QSBL” (as defined in the SBLF Purchase Agreement) by the Bank over the adjusted baseline level calculated under the terms of the SBLF Preferred Stock $(249.7 million). Based upon the increase in the Bank’s level of QSBL over the adjusted baseline level, the dividend rate ha been 1.0%. For the tenth calendar quarter through four and one-half years after issuance, the dividend rate fixed at between one percent (1%) and seven percent (7%) based upon the level of qualifying loans. The Company dividend rate 1.0% until four and one half years after the issuance, which March 2016. After four and one half years from issuance, the dividend rate increase to 9% (including a quarterly lending incentive fee of 0.5%). On December 15, 2015, the Company (with the approval of its federal banking regulator) redeemed all 57,943 shares of the SBLF Preferred Stock at their liquidation amount of $1,000 per share plus accrued but unpaid dividends to the redemption date. The redemption of the SBLF Preferred Stock was completed using internally available funds.

Note 29_ Consolidation of Banki

Note 29: Consolidation of Banking Centers	12 Months Ended
	Dec. 31, 2015
Notes
Note 29: Consolidation of Banking Centers	Note 29: Consolidation of Banking Centers On September 24, 2015, the Company announced plans to consolidate operations of 16 banking centers into other nearby Great Southern banking center locations. As part of an ongoing performance review of its entire banking center network, Great Southern evaluated each location for a number of criteria, including access and availability of services to affected customers, the proximity of other Great Southern banking centers, profitability and transaction volumes, and market dynamics. This review culminated in the approval of the consolidation of these banking centers by the Great Southern Board of Directors. Subsequent to this announcement, the Bank entered into definitive agreements to sell two of the 16 banking centers, including all of the associated deposits . The . The closing of the remaining 14 facilities, which in the transfer of approximately $ million in deposits and banking center operations to other Great Southern locations, occur at the close of business on January 8, 2016.

Note 30_ Acquisition of Loans,

Note 30: Acquisition of Loans, Deposits and Branches	12 Months Ended
	Dec. 31, 2015
Notes
Note 30: Acquisition of Loans, Deposits and Branches	Note 30: Acquisition of Loans, Deposits and Branches On September 30, 2015, the Company announced that it entered into a purchase and assumption agreement to acquire 12 branches and related deposits and loans in the St. Louis, Mo., area from Cincinnati-based Fifth Third Bank. The acquisition was completed at the close of business on January 29, 2016 . The deposits assumed totaled approximately $228 million and had a weighted average rate of approximately 0. 28 %, the composition of which was: demand deposits and NOW accounts – 42 %; money market accounts – 40 %; and time deposits and IRAs – 18 %. The loans acquired totaled approximately $159 million and had a weighted average yield of approximately 3.92 %, the composition of which was: one- to four-family residential – 75 %; commercial real estate – 8%; home equity lines – 10 %; commercial business – 5 %; and consumer and other – 2 %. The one- to four-family residential loans are primarily loans made to professional individuals in the St. Louis market, such as doctors and persons working in the field of medicine. Approximately 55% of the total balance of these loans have fixed rates of interest for varying terms up to 30 years. Approximately 45% of the total balance of these loans have rates of interest that are fixed for varying terms (generally three to seven years), with rates that adjust annually thereafter.

Note 1_ Nature of Operations 39

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Nature of Operations and Operating Segments (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Nature of Operations and Operating Segments	Nature of Operations and Operating Segments Great Southern Bancorp, Inc. (“GSBC” or the “Company”) operates as a one-bank holding company. GSBC’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Company and the Bank are subject to regulation certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others . The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements .

Note 1_ Nature of Operations 40

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Use of Estimates (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the valuation of loans acquired with indication of impairment, the valuation of the FDIC indemnification asset and other-than-temporary impairments (OTTI) and fair values of financial instruments. In connection with the determination of the allowance for loan losses and the valuation of foreclosed assets held for sale, management obtains independent appraisals for significant properties. The valuation of the FDIC indemnification asset is determined in relation to the fair value of assets acquired through FDIC-assisted transactions for which cash flows are monitored on an ongoing basis.

Note 1_ Nature of Operations 41

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Principles of Consolidation (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of Great Southern Bancorp, Inc., its wholly owned subsidiary, the Bank, and the Bank’s wholly owned subsidiaries, Great Southern Real Estate Development Corporation, GSB One LLC (including its wholly owned subsidiary, GSB Two LLC), Great Southern Financial Corporation, Great Southern Community Development Company, LLC (including its wholly owned subsidiary, Great Southern CDE, LLC), GS, LLC, GSSC, LLC, GS-RE Holding, LLC (including its wholly owned subsidiary, GS RE Management, LLC), GS-RE Holding II, LLC, GS-RE Holding III, LLC, VFP Conclusion Holding, LLC and VFP Conclusion Holding II, LLC. All significant intercompany accounts and transactions have been eliminated in consolidation.

Note 1_ Nature of Operations 42

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Reclassifications (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Reclassifications	Reclassifications Certain prior periods’ amounts have been reclassified to conform to the financial statements presentation. These reclassifications had no effect on net income.

Note 1_ Nature of Operations 43

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Federal Home Loan Bank Stock (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal Home Loan Bank common stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in common stock is based on a predetermined formula, carried at cost and evaluated for impairment.

Note 1_ Nature of Operations 44

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Securities (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Securities	Securities Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Held-to-maturity securities, which include any security for which the Company has the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an recorded in other comprehensive income for the noncredit portion of a previous is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. The Company’s consolidated statements of income reflect the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections. For equity securities , when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other-than-temporary even if a decision to sell has not been made.

Note 1_ Nature of Operations 45

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Mortgage Loans Held For Sale (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Mortgage Loans Held For Sale	Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Write-downs to fair value are recognized as a charge to earnings at the time the decline in value occurs. Nonbinding forward commitments to sell individual mortgage loans are generally obtained to reduce market risk on mortgage loans in the process of origination and mortgage loans held for sale. Gains and losses resulting from sales of mortgage loans are recognized when the respective loans are sold to investors. Fees received from borrowers to guarantee the funding of mortgage loans held for sale and fees paid to investors to ensure the ultimate sale of such mortgage loans are recognized as income or expense when the loans are sold or when it becomes evident that the commitment will not be used.

Note 1_ Nature of Operations 46

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Originated by The Company (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Loans Originated by The Company	Loans Originated by the Company Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balances adjusted for any charge-offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Past due status is based on the contractual terms of a loan. Generally, loans are placed on nonaccrual status at 90 days past due and interest is considered a loss, unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines.

Note 1_ Nature of Operations 47

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Allowance For Loan Losses (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Allowance For Loan Losses	Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non classified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that determines which loans are reviewed for impairment based on various analyses including annual reviews of large loan relationships, calculations of loan debt coverage ratios as financial information is obtained reviews of all loans over $1.0 million Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length the borrower’s prior payment record and the amount of shortfall in relation to the principal and interest owed. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. In accordance with regulatory guidelines, impairment in the consumer loan portfolio is primarily identified b past-due status. loans Impairment is measured on a loan-by-loan basis for by either the present value of expected future cash flows or the fair value of the collateral if the loan is collateral dependent. Payments made on impaired loans are treated in accordance with the accrual status of the loan. If loans are performing in accordance with their contractual terms but the ultimate collectability of principal and interest is questionable, payments are applied to principal only.

Note 1_ Nature of Operations 48

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Acquired in Business Combinations (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Loans Acquired in Business Combinations	Loans Acquired in Business Combinations Loans acquired in business combinations under ASC Topic 805, Business Combinations loans are recorded at fair value in accordance with the fair value methodology prescribed in ASC Topic 820 Fair Value Measurements and Disclosures . No allowance for loan losses related to the acquired loans is recorded on the acquisition date as the fair value of the loans acquired incorporates assumptions regarding credit risk. The fair value estimates associated with the loans include estimates related to expected prepayments and the amount and timing of undiscounted expected principal, interest and other cash flows. For loans not acquired in conjunction with an FDIC-assisted transaction that are not considered to be purchased credit-impaired loans, the Company evaluates loans acquired in accordance with the provisions of ASC Topic 310-20, Nonrefundable Fees and Other Costs impaired loans in accordance with the provisions of ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality purchase dates may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Acquired credit-impaired loans are accounted for under the accounting guidance for loans acquired with deteriorated credit quality initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. The Company evaluates all of loans purchased in conjunction with its FDIC-assisted transactions in accordance with the provisions of ASC Topic 310-30. For purposes of applying ASC 310-30, loans acquired in business combinations are aggregated into pools of loans with common risk characteristics. All loans acquired in the FDIC transactions, both covered and not covered , were deemed to be impaired loans as there is evidence of credit deterioration since origination and probab that not all contractually required payments will be collected. As a result, related discounts are recognized subsequently through accretion based on the expected cash flows of the acquired loans. The expected cash flows of the acquired loan pools in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loan pools or impaired loans accounted for under ASC Topic 310-30. The Company continues to estimate cash flows expected to be collected on pools of loans sharing common risk characteristics, which are treated in the aggregate when applying various valuation techniques. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses.

Note 1_ Nature of Operations 49

Note 1: Nature of Operations and Summary of Significant Accounting Policies: FDIC Indemnification Asset (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
FDIC Indemnification Asset	FDIC Indemnification Asset Through two FDIC-assisted transactions during 2009, one during 2011 and one during 2012, the Bank acquired certain loans and foreclosed assets which are covered under loss sharing agreements with the FDIC. These agreements commit the FDIC to reimburse the Bank for a portion of realized losses on these covered assets. Therefore, as of the dates of acquisitions, the Company calculated the amount of such reimbursements it expects to receive from the FDIC using the present value of anticipated cash flows from the covered assets based on the credit adjustments estimated for each pool of loans and the estimated losses on foreclosed assets. In accordance with FASB ASC 805, each FDIC Indemnification Asset was initially recorded at its fair value, and is measured separately from the loan assets and foreclosed assets because the loss sharing agreements are not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increases and decreases as the expected and actual cash flows from the covered assets fluctuate, as loans are paid off or impaired and as loans and foreclosed assets are sold. There are no contractual interest rates on these contractual receivables from the FDIC; however, a discount was recorded against the initial balance of the FDIC Indemnification Asset in conjunction with the fair value measurement as this receivable will be collected over the terms of the loss sharing agreements. This discount accreted to income over future periods. These acquisitions and agreements are more fully discussed in Note 4

Note 1_ Nature of Operations 50

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Other Real Estate Owned (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Other Real Estate Owned	Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expense on foreclosed assets.

Note 1_ Nature of Operations 51

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Premises and Equipment (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line and accelerated methods over the estimated useful lives of the assets. Leasehold improvements are capitalized and amortized using the straight-line and accelerated methods over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter.

Note 1_ Nature of Operations 52

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Long-lived Asset Impairment (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Long-lived Asset Impairment	Long-Lived Asset Impairment The Company evaluates the recoverability of the carrying value of long-lived assets whenever events or circumstances indicate the carrying amount may not be recoverable. If a long-lived asset is tested for recoverability and the undiscounted estimated future cash flows expected to result from the use and eventual disposition of the asset is less than the carrying amount of the asset, the asset cost is adjusted to fair value and an impairment loss is recognized as the amount by which the carrying amount of a long-lived asset exceeds its fair value. A valuation allowance of $1.2 million the Company announced plans to consolidate operations of banking centers into other nearby Great Southern banking center locations. The closing of the 14 facilities occurred at the close of business on January 8, 2016. No asset impairment was recognized during the year ended December 31, .

Note 1_ Nature of Operations 53

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill value are not recognized in the financial statements. Intangible assets are being amortized on the straight-line basis over period seven years. Such assets are periodically evaluated as to the recoverability of their carrying value. A summary of goodwill and intangible assets is as follows: December 31, 2015 2014 (In Thousands) Goodwill – Branch acquisitions $ 1,169 $ 1,169 Deposit intangibles TeamBank 105 526 Vantus Bank 207 519 Sun Security Bank 964 1,314 InterBank 472 617 Boulevard Bank 641 763 Valley Bank 2,200 2,600 4 ,589 6 ,339 $ 5,758 $ 7,508

Note 1_ Nature of Operations 54

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loan Servicing and Origination Fee Income (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Loan Servicing and Origination Fee Income	Loan Servicing and Origination Fee Income Loan servicing income represents fees earned for servicing real estate mortgage loans owned by various investors. The fees are generally calculated on the outstanding principal balances of the loans serviced and are recorded as income when earned. Loan origination fees, net of direct loan origination costs, are recognized as income using the level-yield method over the contractual life of the loan.

Note 1_ Nature of Operations 55

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stockholders' Equity (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Stockholders' Equity	Stockholders’ Equity At the 2004 Annual Meeting of Stockholders, the Company’s stockholders approved the Company’s reincorporation to the State of Maryland. This reincorporation was completed in June 2004. Under Maryland law, there is no concept of “Treasury Shares.” Instead, shares purchased by the Company constitute authorized but unissued shares under Maryland law. Accounting principles generally accepted in the United States of America state that accounting for treasury stock shall conform to state law. The cost of shares purchased by the Company has been allocated to common stock and retained earnings balances.

Note 1_ Nature of Operations 56

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Common Share (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Earnings Per Common Share	Earnings Per Common Share Basic earnings per common share are computed based on the weighted average number of common shares outstanding during each year. Diluted earnings per common share are computed using the weighted average common shares and all potential dilutive common shares outstanding during the period. Earnings per common share (EPS) were computed as follows: 2015 2014 2013 (In Thousands, Except Per Share Data) Net income $ 46,502 $ 43,529 $ 33,729 Net income available to common shareholders $ 45,948 $ 42,950 $ 33,150 Average common shares outstanding 13,818 13,700 13,635 Average common share stock options outstanding 182 176 80 Average diluted common shares 14,000 13,876 13,715 Earnings per common share – basic $ 3.33 $ 3.14 $ 2.43 Earnings per common share – diluted $ 3.28 $ 3.10 $ 2.42 Options outstanding at December 31, , and , to purchase , and 243,510 shares of common stock respectively, were not included in the computation of diluted earnings per share for year because exercise price greater than the average market price of the common for the years ended December 31, , and , respectively .

Note 1_ Nature of Operations 57

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stock Option Plans (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Stock Option Plans	Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 21 Compensation – Stock Compensation, For the years ended December 31, 201 , 201 and 201 , share-based compensation expense totaling $ ,000, $ ,000 and $ ,000, respectively, was included in salaries and employee benefits expense in the consolidated statements of income.

Note 1_ Nature of Operations 58

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Cash Equivalents (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Cash Equivalents	Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2015 and 2014 , cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2015 , nearly all of the interest-bearing deposits were uninsured with nearly all of these balances held at the Federal Home Loan Bank or the Federal Reserve Bank.

Note 1_ Nature of Operations 59

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Income Taxes (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Income Taxes	Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, Income Taxes Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. At December 31, 201 and 201 , no valuation allowance was established. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries.

Note 1_ Nature of Operations 60

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Derivatives and Hedging Activities (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Derivatives and Hedging Activities	Derivatives and Hedging Activities FASB ASC 815, Derivatives and Hedging instruments Note 17 As required by FASB ASC 815, the Company records all derivatives in the statement of financial condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship

Note 1_ Nature of Operations 61

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Restriction On Cash and Due From Banks (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Restriction On Cash and Due From Banks	Restriction on Cash and Due From Banks The Bank is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2015 and 2014 , respectively, was $ 58.9 million and $7 2.3 million .

Note 1_ Nature of Operations 62

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Recent Accounting Pronouncements (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Recent Accounting Pronouncements	Recent Accounting Pronouncements In January 2014, the FASB issued ASU No. 2014-01 to amend FASB ASC Topic 323, Investments – Equity Method and Joint Ventures In January 2014, the FASB issued ASU No. 2014-04 to amend FASB ASC Topic 310, Receivables – Troubled Debt Restructurings by Creditors In June 2014, the FASB issued ASU No. 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. In August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date Revenue from Contracts with Customers (Topic 606): Summary and Amendments that Create Revenue from Contracts with Customers (Topic 606) and Other Assets and Deferred Costs--Contracts with Customers (Subtopic 340-40) Revenue Recognition In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis In May 2015, the FASB issued ASU No. 2015-07, Fair Value Measurement (Topic 820): Disclosures for Investments in Certain Entities that Calculate Net Asset Value Per Share In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments – Overall (Topic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.

Note 2_ Investments in Securi63

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Mortgage-backed securities portfolio	At December 31, , the Company’s mortgage-backed securities portfolio consisted of GNMA securities totaling $ million , FNMA securities totaling $ million and FHLMC securities totaling $ million . At December 31, 201 , $ million of the Company’s mortgage-backed securities had variable rates of interest and $ million had fixed rates of interest.

Note 2_ Investments in Securi64

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Certain investments in debt securities reported at less than historical cost	Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, and , was approximately $ .0 million and $ million , respectively, which is approximately . % and % of the Company’s available-for-sale and held-to-maturity investment portfolio, respectively.

Note 2_ Investments in Securi65

Note 2: Investments in Securities: Other-than-temporary Impairment (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Other-than-temporary Impairment	Other-than-Temporary Impairment Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model. The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets. The Company routinely conducts periodic reviews to identify and evaluate each investment security to determine whether an other-than-temporary impairment has occurred. The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors. If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other than temporary. The Company uses quoted market prices for marketable equity securities and uses broker pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange. For nonagency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss. The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows. If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings. During and 2013, no securities were determined to have impairment that had become other than temporary.

Note 2_ Investments in Securi66

Note 2: Investments in Securities: Credit Losses Recognized On Investments (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Credit Losses Recognized On Investments	Credit Losses Recognized on Investments There were no debt securities have experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.

Note 3_ Loans and Allowance F67

Note 3: Loans and Allowance For Loan Losses: Loan Portfolio Credit Quality Internal Grading System Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Loan Portfolio Credit Quality Internal Grading System Policy	The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The acquired FDIC-covered loans are evaluated using this internal grading system. These loans are accounted for in pools and are currently substantially covered through loss sharing agreements with the FDIC. Minimal adverse classification in the loan pools was identified as of December 31, 2015 and 2014, respectively. The acquired loans no longer covered by the FDIC are also evaluated using this internal grading system, and are accounted for in pools. Minimal adverse classification in the loan pools was identified as of December 31, 2015 and 2014, respectively. The acquired non-covered loans are also evaluated using this internal grading system. These loans are accounted for in pools and minimal adverse classification in the loan pools was identified as of December 31, 2015. See Note 4 The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis. In the fourth quarter of 2014, the Company began using a three-year average of historical losses for the general component of the allowance for loan loss calculation. The Company had previously used a five-year average. The Company believes that the three-year average provides a better representation of the current risks in the loan portfolio. This change was made after consultation with our regulators and other third-party consultants, as well as a review of the practices used by the Company’s peers. This change did not materially affect the level of the allowance for loan losses. The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, the current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings. Management considers all these factors in determining the adequacy of its allowance for loan losses. No other significant changes were made to the loan risk grading system definitions and allowance for loan loss methodology during the past year.

Note 3_ Loans and Allowance F68

Note 3: Loans and Allowance For Loan Losses: Related Party Transactions Disclosure (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Related Party Transactions Disclosure	Certain directors and executive officers of the Company and the Bank are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit. At December 31, 201 and 201 , loans outstanding to these directors and executive officers are summarized as follows: December 31, 2015 2014 (In Thousands) Balance, beginning of year $16,028 $7,093 New loans 3,390 10,427 Payments (5,131 ) (1,492 ) Balance, end of year $ 14,287 $ 16,028

Note 4_ Acquired Loans, Loss 69

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Policies)	12 Months Ended
	Dec. 31, 2015
TeamBank
Business Combinations Policy	TeamBank On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The loans, commitments and foreclosed assets purchased in the TeamBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank shares in the losses on assets covered under the agreement (referred to as covered assets). On losses up to $115.0 million, the FDIC agreed to reimburse the Bank for 80% of the losses. On losses exceeding $115.0 million, the FDIC agreed to reimburse the Bank for 95% of the losses. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans, which five-year period ended March 31, 2014. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The Bank recorded a preliminary one-time gain of $27.8 million (pre-tax) based upon the initial estimated fair value of the assets acquired and liabilities assumed in accordance with FASB ASC 805, Business Combinations The Bank originally recorded the fair value of the acquired loans at their preliminary fair value of $222.8 million and the related FDIC indemnification asset was originally recorded at its preliminary fair value of $153.6 million. As discussed above, these initial fair values were adjusted during the measurement period, resulting in a final fair value at the acquisition date of $264.4 million for acquired loans and $128.3 million for the FDIC indemnification asset. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2015, 2014 and 2013 was $0, $0 and $134,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $235.5 million, including $111.8 million of investment securities, $83.4 million of cash and cash equivalents, $2.9 million of foreclosed assets and $3.9 million of FHLB stock. Liabilities with a fair value of $610.2 million were also assumed, including $515.7 million of deposits, $80.9 million of FHLB advances and $2.3 million of repurchase agreements with a commercial bank. A customer-related core deposit intangible asset of $2.9 million was also recorded. In addition to the excess of liabilities over assets, the Bank received approximately $42.4 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC.
Vantus Bank
Business Combinations Policy	Vantus Bank On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank shares in the losses on assets covered under the agreement (referred to as covered assets). On losses up to $102.0 million, the FDIC agreed to reimburse the Bank for 80% of the losses. On losses exceeding $102.0 million, the FDIC agreed to reimburse the Bank for 95% of the losses. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans, which five-year period ended September 30, 2014. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value of $62.2 million on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $45.9 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2009. During 2010, the Company continued to analyze its estimates of the fair values of the loans acquired and the indemnification asset recorded. The Company finalized its analysis of these assets without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $247.0 million and the related FDIC indemnification asset was recorded at its estimated fair value of $62.2 million. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2015, 2014 and 2013 was $0, $0 and $104,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $47.2 million, including $23.1 million of investment securities, $12.8 million of cash and cash equivalents, $2.2 million of foreclosed assets and $5.9 million of FHLB stock. Liabilities with a fair value of $444.0 million were also assumed, including $352.7 million of deposits, $74.6 million of FHLB advances, $10.0 million of borrowings from the Federal Reserve Bank and $3.2 million of repurchase agreements with a commercial bank. A customer-related core deposit intangible asset of $2.2 million was also recorded. In addition to the excess of liabilities over assets, the Bank received approximately $131.3 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC.
Sun Security Bank
Business Combinations Policy	Sun Security Bank On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC has agreed to cover 80% of the losses on the loans (excluding approximately $4 million of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value of $67.4 million on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $16.5 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2011. During 2012, the Company continued to analyze its estimates of the fair values of the loans acquired and the indemnification asset recorded. The Company finalized its analysis of these assets without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $163.7 million and the related FDIC indemnification asset was recorded at its estimated fair value of $67.4 million. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2015, 2014 and 2013 was $0, $105,000 and $974,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $85.2 million, including $45.3 million of investment securities, $26.1 million of cash and cash equivalents, $9.1 million of foreclosed assets, $3.0 million of FHLB stock and $1.8 million of other assets. Liabilities with a fair value of $345.8 million were also assumed, including $280.9 million of deposits, $64.3 million of FHLB advances and $632,000 of other liabilities. A customer-related core deposit intangible asset of $2.5 million was also recorded. Net of the excess of assets over liabilities, the Bank received approximately $40.8 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC.
InterBank
Business Combinations Policy	InterBank On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC has agreed to cover 80% of the losses on the loans (excluding approximately $60,000 of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value of $84.0 million on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $31.3 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2012. During 2012, the Company continued to analyze its estimates of the fair values of the loans acquired and the indemnification asset recorded. The Company finalized its analysis of these assets without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $285.5 million and the related FDIC indemnification asset was recorded at its estimated fair value of $84.0 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2015, 2014 and 2013 was $459,000, $544,000 and $636,000, respectively. In addition to the loan and FDIC indemnification assets noted above, the acquisition consisted of other assets with a fair value of approximately $79.8 million, including $34.9 million of investment securities, $34.5 million of cash and cash equivalents, $6.2 million of foreclosed assets, $585,000 of FHLB stock and $2.6 million of other assets. Liabilities with a fair value of $458.7 million were also assumed, including $456.3 million of deposits and $2.4 million of other liabilities. A customer-related core deposit intangible asset of $1.0 million was also recorded. Net of the excess of assets over liabilities, the Bank received approximately $40.8 million in cash from the FDIC and entered into the loss sharing agreement with the FDIC.
Valley Bank
Business Combinations Policy	Valley Bank Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a preliminary one-time gain of $10.8 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2014. During 2014, the Company continued to analyze its estimates of the fair values of the assets acquired and liabilities assumed. The Company finalized its analysis of these assets and liabilities without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $165.1 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2015 and 2014 was $794,000 and $501,000, respectively.

Note 4_ Acquired Loans, Loss 70

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Business Acquisition Fair Value and Expected Cash Flows Policy	Fair Value and Expected Cash Flows At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates. This valuation of the acquired loans is a significant component leading to the valuation of the loss sharing assets recorded. The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. The Company continues to evaluate the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the years ended December 31, 201 , 201 and 201 , increases in expected cash flows related to the acquired loan portfolios resulted in adjustments to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements. This resulted in corresponding adjustments during the years ended December 31, 201 , 201 and 201 , to the indemnification assets to be amortized on a level-yield basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever is shorter. The amounts of these adjustments were as follows: Year Ended December 31, 2015 2014 2013 (In Thousands) Increase in accretable yield due to increased cash flow expectations $13,720 $31,461 $40,947 Decrease in FDIC indemnification asset as a result of accretable yield increase (5,056) (23,129) (32,597) The adjustments, along with those made in previous years, impacted the Company’s Consolidated Statements of Income as follows: Year Ended December 31, 2015 2014 2013 (In Thousands) Interest income $28,531 $34,974 $35,211 Noninterest income (19,534 (28,740 (29,451 Net impact to pre-tax income $ 8,997 $ 6,234 $ 5,760 On an on-going basis the Company estimates the cash flows expected to be collected from the acquired loan pools. For the loan pools acquired in 2009, the cash flow estimates have increased, beginning with the fourth quarter of 2010, based on payment histories and reduced loss expectations of the loan pools. For the loan pools acquired in 2012 and 2011, the cash flow estimates have increased, beginning in 2012. For the loan pools acquired in 201 , the cash flow estimates have increased, beginning 201 . This resulted in increased income that was spread on a level-yield basis over the remaining expected lives of the loan pools. Because these adjustments will be recognized over the remaining lives of the loan pools and the remainder of the loss sharing agreements, respectively, they will impact future periods as well. The remaining accretable yield adjustment that will affect interest income is $ million and the remaining adjustment to the indemnification assets, including the effects of the clawback liability related to Interbank, that will affect non-interest income (expense) is $( ) million. Of the remaining adjustments, we expect to recognize $ million of interest income and $( ) million of non-interest income (expense) during 201 . Additional adjustments may be recorded in future periods from the FDIC-assisted acquisitions, as the Company continues to estimate expected cash flows from the acquired loan pools. The loss sharing asset is measured separately from the loan portfolio because it is not contractually embedded in the loans and is not transferable with the loans should the Bank choose to dispose of them. Fair value was estimated using projected cash flows available for loss sharing based on the credit adjustments estimated for each loan pool (as discussed above) and the loss sharing percentages outlined in the Purchase and Assumption Agreement with the FDIC. These cash flows were discounted to reflect the uncertainty of the timing and receipt of the loss sharing reimbursement from the FDIC. The loss sharing asset is also separately measured from the related foreclosed real estate. The loss sharing agreement on the InterBank transaction includes a clawback provision whereby if credit loss performance is better than certain pre-established thresholds, then a portion of the monetary benefit is shared with the FDIC. The pre-established threshold for credit losses is $115.7 million for this transaction. The monetary benefit required to be paid to the FDIC under the clawback provision, if any, will occur shortly after the termination of the loss sharing agreement, which in the case of InterBank is 10 years from the acquisition date. At December 31, 2014 and 2013, the Bank’s internal estimate of credit performance expected to be better than the threshold set by the FDIC in the loss sharing agreement. Therefore, a separate clawback liability totaling $6.1 million and $3.7 million was recorded at December 31, 2014 and 2013, respectively. As changes in the fair values of the loans and foreclosed assets are determined due to changes in expected cash flows, changes in the amount of the clawback liability will occur. In addition, beginning in the three months ended December 31, 2014, the Company's net interest margin has been impacted by additional yield accretion recognized in conjunction with updated estimates of the fair value of the loan pools acquired in the June 2014 Valley Bank FDIC-assisted transaction. Beginning with the three months ended December 31, 2014, the cash flow estimates have increased for certain of the Valley Bank loan pools primarily based on significant loan repayments and also due to collection of certain loans, thereby reducing loss expectations on certain of the loan pools. This resulted in increased income that was spread on a level-yield basis over the remaining expected lives of these loan pools. The Valley Bank transaction does not include a loss sharing agreement with the FDIC. Therefore, there is no related indemnification asset. The entire amount of the discount adjustment will be accreted to interest income over time with no offsetting impact to non-interest income The amount of the Valley Bank discount adjustment accreted to interest income for 2015 was $ million, and is included in the impact on net interest income/net interest margin amount in the table above.

Note 4_ Acquired Loans, Loss 71

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy (Policies)	12 Months Ended
	Dec. 31, 2015
TeamBank
FDIC Indemnification Asset Policy	TeamBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the TeamBank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $7 million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above.
Vantus Bank
FDIC Indemnification Asset Policy	Vantus Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Vantus Bank transaction at December 31, and . loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $16. million of transfers to foreclosed assets and $29. million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above.
Sun Security Bank
FDIC Indemnification Asset Policy	Sun Security Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Sun Security Bank transaction at December 31, and . loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $ million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. Of the $ million expected loss remaining, $ ,000 is non-loss share discount.
InterBank
FDIC Indemnification Asset Policy	InterBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the InterBank transaction at December 31, and . loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $1 million of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above.
Valley Bank
FDIC Indemnification Asset Policy	Valley Bank Loans and Foreclosed Assets The following tables present the balances of the loans and discount related to the Valley Bank transaction at December 31, loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. The Valley Bank transaction did not include a loss sharing agreement; however, the loans were recorded at a discount, which is accreted to yield over the life of the loans. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above.

Note 7_ Investments in Limite72

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Investments in Affordable Housing Partnerships Policy	The Company has invested in certain limited partnerships that were formed to develop and operate apartments and single-family houses designed as high-quality affordable housing for lower income tenants throughout Missouri and contiguous states. At December 31, 201 , the Company had investments, with a net carrying value of $ million . At December 31, 201 , the Company had investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in Affordable Housing Partnerships, they all are accounted for using the proportional amortization method. Each of the partnerships must meet the regulatory requirements for affordable housing for a minimum 15-year compliance period to fully utilize the tax credits. If the partnerships cease to qualify during the compliance period, the credits may be denied for any period in which the projects are not in compliance and a portion of the credits previously taken may be subject to recapture with interest. The remaining federal affordable housing tax credits to be utilized over a maximum of 15 years were $3 .7 million as of December 31, , assuming no tax credit recapture events occur and all projects currently under construction are completed as planned. Amortization of the investments in partnerships is expected to be approximately $ million , assuming all projects currently under construction are completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $ million , $ million and $ million during , and , respectively. Investment amortization amounted to $ million , $ million and $ million for the years ended December 31, , and , respectively.

Note 7_ Investments in Limite73

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Investments in Community Development Entities Policy	The Company has invested in certain limited partnerships that were formed to develop and operate business and real estate projects located in low-income communities. At December 31, , the Company had four investments, with a net carrying value of $ million . At December 31, , the Company had four investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in qualified Community Development Entities, they are all accounted for using the cost method. Each of the partnerships provides federal New Market Tax Credits over a seven-year credit allowance period. In each of the first three years, credits totaling five percent of the original investment are allowed on the credit allowance dates and for the final four years, credits totaling six percent of the original investment are allowed on the credit allowance dates. Each of the partnerships must be invested in a qualified Community Development Entity on each of the credit allowance dates during the seven-year period to utilize the tax credits. If the Community Development Entities cease to qualify during the seven-year period, the credits may be denied for any credit allowance date and a portion of the credits previously taken may be subject to recapture with interest. The investments in the Community Development Entities cannot be redeemed before the end of the seven-year period. The remaining federal New Market Tax Credits to be utilized over a maximum of seven years were $ million as of December 31, . Amortization of the investments in partnerships is expected to be approximately million . The Company’s usage of federal New Market Tax Credits approximated $2.3 million , $2.3 million and $ million during , and , respectively. Investment amortization amounted to $1.7 million , $1. million and $1. million for the years ended December 31, , and , respectively.

Note 15_ Disclosures About Fa74

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Loans Held for Sale Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Loans Held for Sale Policy	Loans Held for Sale Mortgage loans held for sale are recorded at the lower of carrying value or fair value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2. Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk. The Company typically does not have commercial loans held for sale. At December 31, 201 and 201 , the aggregate fair value of mortgage loans held for sale exceeded their cost. Accordingly, no mortgage loans held for sale were marked down and reported at fair value.

Note 15_ Disclosures About Fa75

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Impaired Loans Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Impaired Loans Policy	Impaired Loans A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off for the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the years ended December 31, 201 and 201 , are shown in the table above (net of reserves).

Note 15_ Disclosures About Fa76

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Foreclosed Assets Held for Sale Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Foreclosed Assets Held for Sale Policy	Foreclosed Assets Held for Sale Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy. The foreclosed assets represented in the table above have been re-measured during the years ended December 31, 201 and 201 , subsequent to their initial transfer to foreclosed assets. The following disclosure relates to financial assets for which it is not practicable for the Company to estimate the fair value at December 31, 201 and 201 .

Note 15_ Disclosures About Fa77

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value FDIC Indemnification Asset Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value FDIC Indemnification Asset Policy	FDIC Indemnification Asset As part of certain Purchase and Assumption Agreements, the Bank and the FDIC entered into loss sharing agreements. These agreements cover realized losses on loans and foreclosed real estate subject to certain limitations which are more fully described in Note 4 Under the TeamBank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $115 million in realized losses and 95% for realized losses that exceed $115 million. The indemnification asset was originally recorded at fair value on the acquisition date (March 20, 2009) and at December 31, 201 and 201 , the carrying value was $ ,000 and $684,000, respectively. Under the Vantus Bank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $102 million in realized losses and 95% for realized losses that exceed $102 million. The indemnification asset was originally recorded at fair value on the acquisition date (September 4, 2009) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ ,000 and $785,000, respectively. Under the Sun Security Bank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (October 7, 2011) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ million and $5.7 million, respectively. Under the InterBank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (April 27, 2012) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ million and $37.2 million, respectively. From the dates of acquisition, each of the four agreements extends ten years for 1-4 family real estate loans and five years for other loans. The loss sharing assets are measured separately from the loan portfolios because they are not contractually embedded in the loans and are not transferable with the loans should the Bank choose to dispose of them. Fair values on the acquisition dates were estimated using projected cash flows available for loss sharing based on the credit adjustments estimated for each loan pool and the loss sharing percentages. These cash flows were discounted to reflect the uncertainty of the timing and receipt of the loss sharing reimbursements from the FDIC. The loss sharing assets are also separately measured from the related foreclosed real estate. Although the assets are contractual receivables from the FDIC, they do not have effective interest rates. The Bank will collect the assets over the next several years. The amount ultimately collected will depend on the timing and amount of collections and charge-offs on the acquired assets covered by the loss sharing agreements. While the assets were recorded at their estimated fair values on the acquisition dates, it is not practicable to complete fair value analyses on a quarterly or annual basis. Estimating the fair value of the FDIC indemnification asset would involve preparing fair value analyses of the entire portfolios of loans and foreclosed assets covered by the loss sharing agreements from all of these acquisitions on a quarterly or annual basis.

Note 15_ Disclosures About Fa78

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value of Financial Instruments Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value of Financial Instruments Policy	The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value.

Note 15_ Disclosures About Fa79

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Cash and Cash Equivalents and Federal Home Loan Bank Stock Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Cash and Cash Equivalents and Federal Home Loan Bank Stock Policy	Cash and Cash Equivalents and Federal Home Loan Bank Stock The carrying amount approximates fair value.

Note 15_ Disclosures About Fa80

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Loans and Interest Receivable Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Loans and Interest Receivable Policy	Loans and Interest Receivable The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amount of accrued interest receivable approximates its fair value.

Note 15_ Disclosures About Fa81

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Deposits and Accrued Interest Payable Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Deposits and Accrued Interest Payable Policy	Deposits and Accrued Interest Payable The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e.

Note 15_ Disclosures About Fa82

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Federal home Loan Bank Advances Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Federal home Loan Bank Advances Policy	Federal Home Loan Bank Advances Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate fair value of existing advances.

Note 15_ Disclosures About Fa83

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Short-Term Borrowings Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Short-Term Borrowings Policy	Short-Term Borrowings The carrying amount approximates fair value.

Note 15_ Disclosures About Fa84

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Subordinated Debentures Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Subordinated Debentures Policy	Subordinated Debentures Issued to Capital Trusts The subordinated debentures have floating rates that reset quarterly. The carrying amount of these debentures approximates their fair value.

Note 15_ Disclosures About Fa85

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Policies
Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy	Commitments to Originate Loans, Letters of Credit and Lines of Credit The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.

Note 1_ Nature of Operations 86

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets: Schedule of Intangible Assets and Goodwill (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Intangible Assets and Goodwill	December 31, 2015 2014 (In Thousands) Goodwill – Branch acquisitions $ 1,169 $ 1,169 Deposit intangibles TeamBank 105 526 Vantus Bank 207 519 Sun Security Bank 964 1,314 InterBank 472 617 Boulevard Bank 641 763 Valley Bank 2,200 2,600 4 ,589 6 ,339 $ 5,758 $ 7,508

Note 1_ Nature of Operations 87

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Common Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	2015 2014 2013 (In Thousands, Except Per Share Data) Net income $ 46,502 $ 43,529 $ 33,729 Net income available to common shareholders $ 45,948 $ 42,950 $ 33,150 Average common shares outstanding 13,818 13,700 13,635 Average common share stock options outstanding 182 176 80 Average diluted common shares 14,000 13,876 13,715 Earnings per common share – basic $ 3.33 $ 3.14 $ 2.43 Earnings per common share – diluted $ 3.28 $ 3.10 $ 2.42

Note 2_ Investments in Securi88

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Available-for-sale Securities Reconciliation	December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) U.S. government agencies $20,000 $-- $219 $19,781 Mortgage-backed securities 159,777 2,038 601 161,214 States and political subdivisions 72,951 5,081 1 78,031 Other securities 847 2,983 -- 3,830 $ 253,575 $ 10,102 $ 821 $ 262,856 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) U.S. government agencies $20,000 $-- $486 $19,514 Mortgage-backed securities 254,294 4,325 821 257,798 States and political subdivisions 79,237 5,810 7 85,040 Other securities 847 2,307 -- 3,154 $ 354,378 $ 12,442 $ 1,314 $ 365,506

Note 2_ Investments in Securi89

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Investments Classified by Contractual Maturity Date	Amortized Fair Cost Value (In Thousands) After one through five years $619 $649 After five through ten years 3,566 3,715 After ten years 88,766 93,448 Securities not due on a single maturity date 159,777 161,214 Equity securities 847 3,830 $ 253,575 $ 262,856

Note 2_ Investments in Securi90

Note 2: Investments in Securities: Schedule of Held-to-maturity Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Held-to-maturity Securities	December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 353 $ 31 $ -- $ 384 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 450 $ 49 $ -- $ 499

Note 2_ Investments in Securi91

Note 2: Investments in Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Contractual Obligation, Fiscal Year Maturity Schedule	Amortized Fair Cost Value (In Thousands) After one through five years $ 353 $ 384

Note 2_ Investments in Securi92

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Financial Instruments Owned and Pledged as Collateral	2015 2014 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $60,355 $62,288 $130,760 $133,940 Collateralized borrowing accounts 131,813 131,950 160,130 161,145 Other 5,149 5,330 3,965 4,053 $ 197,317 $ 199,568 $ 294,855 $ 299,138

Note 2_ Investments in Securi93

Note 2: Investments in Securities: Unrealized Gain (Loss) on Investments (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Unrealized Gain (Loss) on Investments	2015 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) U.S. government agencies $20,000 $(219) $-- $-- $20,000 $(219) Mortgage-backed securities 45,494 (348) 9,635 (253) 55,129 (601) States and political subdivisions -- -- 910 (1) 910 (1 ) $ 65,494 $ (567 $ 10,545 $ (254 $ 76,039 $ (821 2014 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) U.S. government agencies $-- $-- $20,000 $(486) $20,000 $(486) Mortgage-backed securities 40,042 (328) 45,056 (493) 85,098 (821) States and political subdivisions -- -- 925 (7) 925 (7 ) $ 40,042 $ (328 $ 65,981 $ (986 $ 106,023 $ (1,314

Note 3_ Loans and Allowance F94

Note 3: Loans and Allowance For Loan Losses: Schedule of Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Loans	2015 2014 (In Thousands) One- to four-family residential construction $23,526 $40,361 Subdivision construction 38,504 28,593 Land development 58,440 52,096 Commercial construction 600,794 392,929 Owner occupied one- to four-family residential 110,277 87,549 Non-owner occupied one- to four-family residential 149,874 143,051 Commercial real estate 1,043,474 945,876 Other residential 419,549 392,414 Commercial business 357,580 354,012 Industrial revenue bonds 37,362 41,061 Consumer auto 439,895 323,353 Consumer other 74,829 78,029 Home equity lines of credit 83,966 66,272 Acquired FDIC-covered loans, net of discounts 236,071 286,608 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 33,338 49,945 Acquired non-covered loans, net of discounts 93,436 121,982 3,800,915 3,404,131 Undisbursed portion of loans in process (418,702) (323,572) Allowance for loan losses (38,149) (38,435) Deferred loan fees and gains, net (3,528 (3,276 $ 3,340,536 $ 3,038,848

Note 3_ Loans and Allowance F95

Note 3: Loans and Allowance For Loan Losses: Schedule of Classes of Loans by Aging (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Classes of Loans by Aging	December 31, 2015 Total Loans Total > 90 Days Past 30-59 Days 60-89 Days Over 90 Total Past Loans Due and Past Due Past Due Days Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $649 $-- $-- $649 $22,877 $23,526 $-- Subdivision construction -- -- -- -- 38,504 38,504 -- Land development 2,245 148 139 2,532 55,908 58,440 -- Commercial construction 1 -- -- 1 600,793 600,794 -- Owner occupied one- to four- family residential 1,217 345 715 2,277 108,000 110,277 -- Non-owner occupied one- to four-family residential -- -- 345 345 149,529 149,874 -- Commercial real estate 1,035 471 13,488 14,994 1,028,480 1,043,474 -- Other residential -- -- -- -- 419,549 419,549 -- Commercial business 1,020 9 288 1,317 356,253 357,580 -- Industrial revenue bonds -- -- -- -- 37,362 37,362 -- Consumer auto 3,351 891 721 4,963 434,932 439,895 -- Consumer other 943 236 576 1,755 73,074 74,829 -- Home equity lines of credit 212 123 297 632 83,334 83,966 -- Acquired FDIC-covered loans, net of discounts 7,936 603 9,712 18,251 217,820 236,071 -- Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 989 39 33 1,061 32,277 33,338 -- Acquired non-covered loans, net of discounts 1,081 638 5,914 7,633 85,803 93,436 -- 20,679 3,503 32,228 56,410 3,744,505 3,800,915 -- Less FDIC-supported loans, and acquired non-covered loans, net of discounts 10,006 1,280 15,659 26,945 335,900 362,845 -- Total $ 10,673 $ 2,223 $ 16,569 $ 29,465 $ 3,408,605 $ 3,438,070 $ -- December 31, 2014 Total Loans Total > 90 Days Past 30-59 Days 60-89 Days Over 90 Total Past Loans Due and Past Due Past Due Days Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $-- $-- $-- $-- $40,361 $40,361 $-- Subdivision construction 109 -- -- 109 28,484 28,593 -- Land development 110 -- 255 365 51,731 52,096 -- Commercial construction -- -- -- -- 392,929 392,929 -- Owner occupied one- to four- family residential 2,037 441 1,029 3,507 84,042 87,549 170 Non-owner occupied one- to four-family residential 583 -- 296 879 142,172 143,051 -- Commercial real estate 6,887 -- 4,699 11,586 934,290 945,876 187 Other residential -- -- -- -- 392,414 392,414 -- Commercial business 59 -- 411 470 353,542 354,012 -- Industrial revenue bonds -- -- -- -- 41,061 41,061 -- Consumer auto 1,801 244 316 2,361 320,992 323,353 -- Consumer other 1,301 260 801 2,362 75,667 78,029 397 Home equity lines of credit 89 -- 340 429 65,843 66,272 22 Acquired FDIC-covered loans, net of discounts 6,236 1,062 16,419 23,717 262,891 286,608 194 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 754 46 243 1,043 48,902 49,945 -- Acquired non-covered loans, net of discounts 2,638 640 11,248 14,526 107,456 121,982 -- 22,604 2,693 36,057 61,354 3,342,777 3,404,131 970 Less FDIC-supported loans, and acquired non-covered loans, net of discounts 9,628 1,748 27,910 39,286 419,249 458,535 194 Total $ 12,976 $ 945 $ 8,147 $ 22,068 $ 2,923,528 $ 2,945,596 $ 776

Note 3_ Loans and Allowance F96

Note 3: Loans and Allowance For Loan Losses: Schedule of Financing Receivables NonAccrual Status (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Financing Receivables NonAccrual Status	Nonaccruing loans are summarized as follows: December 31, 2015 2014 (In Thousands) One- to four-family residential construction $-- $-- Subdivision construction -- -- Land development 139 255 Commercial construction -- -- Owner occupied one- to four-family residential 715 859 Non-owner occupied one- to four-family residential 345 296 Commercial real estate 13,488 4,512 Other residential -- -- Commercial business 288 411 Industrial revenue bonds -- -- Consumer auto 721 316 Consumer other 576 404 Home equity lines of credit 297 318 Total $ 16,569 $ 7,371

Note 3_ Loans and Allowance F97

Note 3: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Allowance for Credit Losses on Financing Receivables	The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2015. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2015: One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2015 $3,455 $2,941 $19,773 $3,562 $3,679 $5,025 $38,435 Provision (benefit) charged to expense 1,428 193 (2,753) (619) 1,450 5,820 5,519 Losses charged off (80) (2) (2,584) (329) (1,202) (5,315) (9,512) Recoveries 97 58 302 405 276 2,569 3,707 Balance, December 31, 2015 $ 4,900 $ 3,190 $ 14,738 $ 3,019 $ 4,203 $ 8,099 $ 38,149 Ending balance: Individually evaluated for impairment $ 731 $ -- $ 2,556 $ 1,391 $ 1,115 $ 300 $ 6,093 Collectively evaluated for impairment $ 3,464 $ 3,122 $ 11,888 $ 1,570 $ 2,862 $ 7,647 $ 30,553 Loans acquired and accounted for under ASC 310-30 $ 705 $ 68 $ 294 $ 58 $ 226 $ 152 $ 1,503 Loans Individually evaluated for impairment $ 6,129 $ 9,533 $ 34,629 $ 7,555 $ 2,365 $ 1,950 $ 62,161 Collectively evaluated for impairment $ 316,052 $ 410,016 $ 1,008,845 $ 651,679 $ 392,577 $ 596,740 $ 3,375,909 Loans acquired and accounted for under ASC 310-30 $ 194,697 $ 35,945 $ 73,148 $ 4,981 $ 10,500 $ 43,574 $ 362,845 The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2014. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2014: One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2014 $6,235 $2,678 $16,939 $4,464 $6,451 $3,349 $40,116 Provision (benefit) charged to expense (1,025) 227 1,855 (957) 409 3,642 4,151 Losses charged off (2,251) (1) (2,160) (126) (3,286) (4,005) (11,829) Recoveries 496 37 3,139 181 105 2,039 5,997 Balance, December 31, 2014 $ 3,455 $ 2,941 $ 19,773 $ 3,562 $ 3,679 $ 5,025 $ 38,435 Ending balance: Individually evaluated for impairment $ 829 $ -- $ 1,751 $ 1,507 $ 823 $ 232 $ 5,142 Collectively evaluated for impairment $ 2,532 $ 2,923 $ 16,671 $ 1,905 $ 2,805 $ 4,321 $ 31,157 Loans acquired and accounted for under ASC 310-30 $ 94 $ 18 $ 1,351 $ 150 $ 51 $ 472 $ 2,136 Loans Individually evaluated for impairment $ 11,488 $ 9,804 $ 28,641 $ 7,601 $ 2,725 $ 1,480 $ 61,739 Collectively evaluated for impairment $ 288,066 $ 382,610 $ 917,235 $ 437,424 $ 392,348 $ 466,174 $ 2,883,857 Loans acquired and accounted for under ASC 310-30 $ 234,158 $ 48,470 $ 107,278 $ 1,937 $ 17,789 $ 48,903 $ 458,535 The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2013. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2013: One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2013 $6,822 $4,327 $17,441 $3,938 $5,096 $3,025 $40,649 Provision charged to expense 1,496 1,556 6,922 1,142 4,404 1,866 17,386 Losses charged off (2,196) (3,248) (9,836) (788) (4,072) (3,312) (23,452) Recoveries 113 43 2,412 172 1,023 1,770 5,533 Balance, December 31, 2013 $ 6,235 $ 2,678 $ 16,939 $ 4,464 $ 6,451 $ 3,349 $ 40,116 Ending balance: Individually evaluated for impairment $ 2,501 $ -- $ 90 $ 473 $ 4,162 $ 218 $ 7,444 Collectively evaluated for impairment $ 3,734 $ 2,678 $ 16,845 $ 3,991 $ 2,287 $ 3,131 $ 32,666 Loans acquired and accounted for under ASC 310-30 $ -- $ -- $ 4 $ -- $ 2 $ -- $ 6 Loans Individually evaluated for impairment $ 13,055 $ 10,983 $ 31,591 $ 12,628 $ 8,755 $ 1,389 $ 78,401 Collectively evaluated for impairment $ 297,057 $ 314,616 $ 791,329 $ 229,332 $ 306,514 $ 273,871 $ 2,212,619 Loans acquired and accounted for under ASC 310-30 $ 206,964 $ 35,095 $ 84,591 $ 6,989 $ 4,883 $ 47,642 $ 386,164

Note 3_ Loans and Allowance F98

Note 3: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Impaired Financing Receivables	Year Ended December 31, 2015 December 31, 2015 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $-- $-- $-- $633 $35 Subdivision construction 1,061 1,061 214 3,533 109 Land development 7,555 7,644 1,391 7,432 287 Commercial construction -- -- -- -- -- Owner occupied one- to four-family residential 3,166 3,427 389 3,587 179 Non-owner occupied one- to four-family residential 1,902 2,138 128 1,769 100 Commercial real estate 34,629 37,259 2,556 28,610 1,594 Other residential 9,533 9,533 -- 9,670 378 Commercial business 2,365 2,539 1,115 2,268 138 Industrial revenue bonds -- -- -- -- -- Consumer auto 791 829 119 576 59 Consumer other 802 885 120 672 74 Home equity lines of credit 357 374 62 403 27 Total $ 62,161 $ 65,689 $ 6,093 $ 59,153 $ 2,980 Year Ended December 31, 2014 December 31, 2014 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $1,312 $1,312 $-- $173 $76 Subdivision construction 4,540 4,540 344 2,593 226 Land development 7,601 8,044 1,507 9,691 292 Commercial construction -- -- -- -- -- Owner occupied one- to four-family residential 3,747 4,094 407 4,808 212 Non-owner occupied one- to four-family residential 1,889 2,113 78 4,010 94 Commercial real estate 28,641 30,781 1,751 29,808 1,253 Other residential 9,804 9,804 -- 10,469 407 Commercial business 2,725 2,750 823 2,579 158 Industrial revenue bonds -- -- -- 2,644 -- Consumer auto 420 507 63 219 37 Consumer other 629 765 94 676 71 Home equity lines of credit 431 476 75 461 25 Total $ 61,739 $ 65,186 $ 5,142 $ 68,131 $ 2,851 Year Ended December 31, 2013 December 31, 2013 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $-- $-- $-- $36 $-- Subdivision construction 3,502 3,531 1,659 3,315 163 Land development 12,628 13,042 473 13,389 560 Commercial construction -- -- -- -- -- Owner occupied one- to four-family residential 5,802 6,117 593 5,101 251 Non-owner occupied one- to four-family residential 3,751 4,003 249 4,797 195 Commercial real estate 31,591 34,032 90 42,242 1,632 Other residential 10,983 10,983 --- 13,837 434 Commercial business 6,057 6,077 4,162 6,821 179 Industrial revenue bonds 2,698 2,778 -- 2,700 27 Consumer auto 216 231 32 145 16 Consumer other 604 700 91 630 63 Home equity lines of credit 569 706 95 391 38 Total $ 78,401 $ 82,200 $ 7,444 $ 93,404 $ 3,558

Note 3_ Loans and Allowance F99

Note 3: Loans and Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Troubled Debt Restructurings on Financing Receivables	2015 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $-- $407 $164 $571 Commercial -- 115 -- 115 Commercial -- 1,095 -- 1,095 Consumer -- 97 -- 97 $ -- $ 1,714 $ 164 $ 1,878 2014 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One- to four-family residential construction $-- $-- $223 $223 Subdivision construction -- 250 -- 250 Residential one-to-four family 308 426 -- 734 Commercial 506 1,928 -- 2,434 Other residential -- 1,881 -- 1,881 Commercial -- 1,150 -- 1,150 Consumer -- 145 -- 145 $ 814 $ 5,780 $ 223 $ 6,817

Note 3_ Loans and Allowance 100

Note 3: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Financing Receivable Credit Quality Indicators	December 31, 2015 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $22,798 $-- $728 $-- $-- $23,526 Subdivision construction 34,370 263 3,407 464 -- 38,504 Land development 47,357 6,992 -- 4,091 -- 58,440 Commercial construction 600,794 -- -- -- -- 600,794 Owner occupied one- to-four- family residential 108,584 587 -- 1,106 -- 110,277 Non-owner occupied one- to- four-family residential 144,744 516 3,827 787 -- 149,874 Commercial real estate 1,005,894 18,805 -- 18,775 -- 1,043,474 Other residential 409,172 8,422 -- 1,955 -- 419,549 Commercial business 355,370 1,303 438 469 --- 357,580 Industrial revenue bonds 37,362 -- -- -- -- 37,362 Consumer auto 439,157 -- -- 738 -- 439,895 Consumer other 74,167 -- -- 662 -- 74,829 Home equity lines of credit 83,627 -- -- 339 -- 83,966 Acquired FDIC-covered loans, net of discounts 236,055 -- -- 16 -- 236,071 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 33,237 -- -- 101 -- 33,338 Acquired non-covered loans, net of discounts 91,614 -- -- 1,822 -- 93,436 Total $ 3,724,302 $ 36,888 $ 8,400 $ 31,325 $ -- $ 3,800,915 December 31, 2014 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $39,049 $--- $-- $1,312 $-- $40,361 Subdivision construction 24,269 21 -- 4,303 -- 28,593 Land development 41,035 5,000 -- 6,061 -- 52,096 Commercial construction 392,929 -- -- -- -- 392,929 Owner occupied one- to-four- family residential 85,041 745 -- 1,763 -- 87,549 Non-owner occupied one- to- four-family residential 141,198 580 -- 1,273 -- 143,051 Commercial real estate 901,167 32,155 -- 12,554 -- 945,876 Other residential 380,811 9,647 -- 1,956 -- 392,414 Commercial business 351,744 423 -- 1,845 --- 354,012 Industrial revenue bonds 40,037 1,024 -- --- -- 41,061 Consumer auto 323,002 -- -- 351 -- 323,353 Consumer other 77,507 3 -- 519 -- 78,029 Home equity lines of credit 65,841 -- -- 431 -- 66,272 Acquired FDIC-covered loans, net of discounts 286,049 -- -- 559 -- 286,608 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 48,592 -- -- 1,353 -- 49,945 Acquired non-covered loans, net of discounts 121,982 -- -- -- -- 121,982 Total $ 3,320,253 $ 49,598 $ -- $ 34,280 $ --- $ 3,404,131

Note 3_ Loans and Allowance 101

Note 3: Loans and Allowance For Loan Losses: Related Party Transactions Disclosure: Schedule of Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Related Party Transactions	December 31, 2015 2014 (In Thousands) Balance, beginning of year $16,028 $7,093 New loans 3,390 10,427 Payments (5,131 ) (1,492 ) Balance, end of year $ 14,287 $ 16,028

Note 4_ Acquired Loans, Loss102

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Business Combination Accretable Yield (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Business Combination Accretable Yield	Year Ended December 31, 2015 2014 2013 (In Thousands) Increase in accretable yield due to increased cash flow expectations $13,720 $31,461 $40,947 Decrease in FDIC indemnification asset as a result of accretable yield increase (5,056) (23,129) (32,597)

Note 4_ Acquired Loans, Loss103

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Impact of Acquired Loans on Financial Results (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Impact of Acquired Loans on Financial Results	Year Ended December 31, 2015 2014 2013 (In Thousands) Interest income $28,531 $34,974 $35,211 Noninterest income (19,534 (28,740 (29,451 Net impact to pre-tax income $ 8,997 $ 6,234 $ 5,760

Note 4_ Acquired Loans, Loss104

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Tables)	12 Months Ended
	Dec. 31, 2015
TeamBank
FDIC Indemnification Asset Roll Forward	December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $29,115 $-- Reclassification from nonaccretable discount to accretable discount due to change in (1,285) -- expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (27,660 -- Expected loss remaining 170 -- Assumed loss sharing recovery percentage 90 0 Expected loss sharing value 154 -- Indemnification asset to be amortized resulting from -- change in expected losses 241 -- FDIC indemnification asset $ 395 $ -- December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $43,855 $132 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,923) -- Original estimated fair value of assets, net of activity since acquisition date (41,560 (119 Expected loss remaining 372 13 Assumed loss sharing recovery percentage 85 77 Expected loss sharing value 315 10 Indemnification asset to be amortized resulting from change in expected losses 359 -- FDIC indemnification asset $ 674 $ 10
Vantus Bank
FDIC Indemnification Asset Roll Forward	December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $31,818 $608 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (470) -- Original estimated fair value of assets, net of activity since acquisition date (31,092 (418 Expected loss remaining 256 190 Assumed loss sharing recovery percentage 61 0 Expected loss sharing value 156 -- Indemnification asset to be amortized resulting from change in expected losses 319 -- FDIC indemnification asset $ 475 $ -- December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $42,138 $1,084 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (504) -- Original estimated fair value of assets, net of activity since acquisition date (40,997 (894 Expected loss remaining 637 190 Assumed loss sharing recovery percentage 72 0 Expected loss sharing value 461 -- Indemnification asset to be amortized resulting from change in expected losses 324 -- FDIC indemnification asset $ 785 $ --
Sun Security Bank
FDIC Indemnification Asset Roll Forward	December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $43,855 $557 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,171) -- Original estimated fair value of assets, net of activity since acquisition date (40,349 (461 Expected loss remaining 1,335 96 Assumed loss sharing recovery percentage 34 80 Expected loss sharing value 456 77 Indemnification asset to be amortized resulting from change in expected losses 1,725 -- Accretable discount on FDIC indemnification asset (36 (63 FDIC indemnification asset $ 2,145 $ 14 December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $59,618 $2,325 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,341) -- Original estimated fair value of assets, net of activity since acquisition date (52,166 (1,488 Expected loss remaining 4,111 837 Assumed loss sharing recovery percentage 65 80 Expected loss sharing value 2,676 670 Indemnification asset to be amortized resulting from change in expected losses 2,662 -- Accretable discount on FDIC indemnification asset (267 (64 FDIC indemnification asset $ 5,071 $ 606
InterBank
FDIC Indemnification Asset Roll Forward	December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $193,654 $2,110 Noncredit premium/(discount), net of activity since acquisition date 902 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (4,901) -- Original estimated fair value of assets, net of activity since acquisition date (170,308 (1,392 Expected loss remaining 19,347 718 Assumed loss sharing recovery percentage 83 80 Expected loss sharing value 16,032 575 FDIC loss share clawback 2,360 -- Indemnification asset to be amortized resulting from change in expected losses 3,920 -- Accretable discount on FDIC indemnification asset (1,801 (33 FDIC indemnification asset $ 20,511 $ 542 December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $244,977 $4,494 Noncredit premium/(discount), net of activity since acquisition date 1,361 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (19,566) -- Original estimated fair value of assets, net of activity since acquisition date (201,830 (3,986 Expected loss remaining 24,942 508 Assumed loss sharing recovery percentage 82 80 Expected loss sharing value 20,509 406 FDIC loss share clawback 3,620 -- Indemnification asset to be amortized resulting from change in expected losses 15,652 -- Accretable discount on FDIC indemnification asset (2,967 (33 FDIC indemnification asset $ 36,814 $ 373
Valley Bank
FDIC Indemnification Asset Roll Forward	December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $109,791 $1,017 Noncredit premium/(discount), net of activity since acquisition date 719 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,213) -- Original estimated fair value of assets, net of activity since acquisition date (93,436 (995 Expected loss remaining $ 13,861 $ 22 December 31, 2014 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $145,845 $778 Noncredit premium/(discount), net of activity since acquisition date 1,514 -- Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,519) -- Original estimated fair value of assets, net of activity since acquisition date (121,982 (778 Expected loss remaining $ 23,858 $ --

Note 4_ Acquired Loans, Loss105

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Changes in Accretable Yield for Acquired Loan Pools (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Changes in Accretable Yield for Acquired Loan Pools	Sun (In Thousands) TeamBank Vantus Bank Security Bank InterBank Valley Bank Balance, January 1, 2013 $12,128 $13,538 $ 11,259 $42,574 $-- Accretion (9,473) (8,940) (16,885) (28,667) -- Reclassification from nonaccretable difference (1) 4,747 1,127 16,739 26,188 -- Balance, December 31, 2013 7,402 5,725 11,113 40,095 -- Additions -- -- -- -- 22,976 Accretion (4,138) (3,835) (10,590) (37,994) (4,788) Reclassification from nonaccretable difference (1) 3,601 2,563 7,429 33,991 (7,056) Balance, December 31, 2014 6,865 4,453 7,952 36,092 11,132 Accretion (3,265) (2,541) (5,487) (28,767) (10,975) Reclassification from nonaccretable difference (1) 205 1,448 3,459 9,022 8,159 Balance, December 31, 2015 $ 3,805 $ 3,360 $ 5,924 $ 16,347 $ 8,316 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2015, totaling $40,000, $1.1 million, $2.0 million, $4.8 million and $759,000, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2014, totaling $3.2 million, $2.4 million, $3.9 million, $9.2 million and $(9.6 million), respectively; and for TeamBank, Vantus Bank, Sun Security Bank and InterBank for the year ended December 31, 2013, totaling $2.3 million, $611,000, $4.8 million and $146,000, respectively.

Note 5_ Other Real Estate Ow106

Note 5: Other Real Estate Owned: Schedule of major classifications of other real estate owned (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of major classifications of other real estate owned	2015 2014 (In Thousands) Foreclosed assets held for sale One- to four-family construction $ $223 Subdivision construction 7,016 9,857 Land development 12,133 17,168 Commercial construction -- -- One- to four-family residential 1,375 3,353 Other residential 2,150 2,625 Commercial real estate 3,608 1,632 Commercial business -- 59 Consumer 1,109 624 27,391 35,541 FDIC-supported foreclosed assets, net of discounts 1,834 5,695 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 460 879 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 995 778 Foreclosed assets held for sale, net 30,680 42,893 Other real estate owned not acquired through foreclosure 1,213 2,945 Other real estate owned $ 31,893 $ 45,838

Note 5_ Other Real Estate Ow107

Note 5: Other Real Estate Owned: Schedule of expenses applicable to other real estate owned (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of expenses applicable to other real estate owned	2015 2014 2013 (In Thousands) Net gain on sales of real estate $(397) $(91) $(231) Valuation write-downs 890 3,343 1,384 Operating expenses, net of rental income 2,033 2,384 2,915 $ 2,526 $ 5,636 $ 4,068

Note 6_ Premises and Equipment_

Note 6: Premises and Equipment: Property, Plant and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Property, Plant and Equipment	2015 2014 (In Thousands) Land $39,395 $35,577 Buildings and improvements 87,333 85,128 Furniture, fixtures and equipment 56,051 50,311 182,779 171,016 Less accumulated depreciation 53,124 46,175 $ 129,655 $ 124,841

Note 8_ Deposits_ Schedule of D

Note 8: Deposits: Schedule of Deposit Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Deposit Liabilities	Weighted Average Interest Rate 2015 2014 (In Thousands, Except Interest Rates) Noninterest-bearing accounts -- $571,629 $518,266 Interest-bearing checking and savings accounts 0.24% - 0.19% 1,408,850 1,375,100 1,980,479 1,893,366 Certificate accounts 0% - 0.99% 863,865 798,932 1% - 1.99% 381,956 227,476 2% - 2.99% 39,592 61,146 3% - 3.99% 1,137 8,065 4% - 4.99% 1,304 1,435 5% and above 293 420 1,288,147 1,097,474 $ 3,268,626 $ 2,990,840

Note 8_ Deposits_ Schedule of C

Note 8: Deposits: Schedule of Certificates of Deposit by Scheduled Maturities (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Certificates of Deposit by Scheduled Maturities	Retail Brokered Total (In Thousands) 2016 $727,380 $202,089 $929,469 2017 186,133 79,267 265,400 2018 57,968 2,392 60,360 2019 12,536 -- 12,536 2020 15,644 -- 15,644 Thereafter 4,738 -- 4,738 $ 1,004,399 $ 283,748 $ 1,288,147

Note 8_ Deposits_ Schedule of I

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Interest Expense on Deposit Liabilities	2015 2014 2013 (In Thousands) Checking and savings accounts $2,858 $3,088 $3,551 Certificate accounts 10,739 8,264 8,871 Early withdrawal penalties (86 ) (127 ) (76 ) $ 13,511 $ 11,225 $ 12,346

Note 9_ Advances From Federa112

Note 9: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Federal Home Loan Bank, Advances	December 31, 2015 December 31, 2014 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) 2015 $-- --% $240,065 0.41% 2016 232,071 0.42 70 5.14 2017 30,826 3.26 30,826 3.26 2018 81 5.14 81 5.14 2019 28 5.14 28 5.14 2020 -- -- -- -- 2021 and thereafter 500 5.54 500 5.54 263,506 0.76 271,570 0.75 Unamortized fair value adjustment 40 71 $ 263,546 $ 271,641

Note 10_ Short-term Borrowings_

Note 10: Short-term Borrowings: Schedule of Short-term Debt (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Short-term Debt	2015 2014 (In Thousands) Notes payable – Community Development Equity Funds $1,295 $1,451 Overnight borrowings from the Federal Home Loan Bank -- 41,000 Securities sold under reverse repurchase agreements 116,182 168,993 $ 117,477 $ 211,444

Note 10_ Short-term Borrowin114

Note 10: Short-term Borrowings: Schedule of Repurchase Agreements (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Repurchase Agreements	The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity. 2015 2014 Overnight and Overnight and Continuous Continuous (In Thousands) FHLBank CD $ -- $ 10,000 Mortgage-backed securities – GNMA, FNMA, FHLMC 161,182 158,993 $161,182 $168,993

Note 13_ Subordinated Debent115

Note 13: Subordinated Debentures Issued To Capital Trusts: Schedule of Subordinated Borrowing (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Subordinated Borrowing	2015 2014 (In Thousands) Subordinated debentures $ 25,774 $ 30,929

Note 14_ Income Taxes_ Schedule

Note 14: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Components of Income Tax Expense (Benefit)	2015 2014 2013 (In Thousands) Taxes currently payable $20,234 $20,013 $17,013 Deferred income taxes (4,670 ) (6,260 ) (8,839) Income taxes $ 15,564 $ 13,753 $ 8,174

Note 14_ Income Taxes_ Sched117

Note 14: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Deferred Tax Assets and Liabilities	December 31, 2015 2014 (In Thousands) Deferred tax assets Allowance for loan losses $13,848 $13,452 Interest on nonperforming loans 259 317 Accrued expenses 1,302 1,527 Write-down of foreclosed assets 4,056 3,970 Write-down of fixed assets 417 -- Other -- 350 19,882 19,616 Deferred tax liabilities Tax depreciation in excess of book depreciation (6,483) (6,443) FHLB stock dividends (1,549) (1,494) Partnership tax credits (1,991) (2,176) Prepaid expenses (515) (508) Unrealized gain on available-for-sale securities (3,369) (3,895) Difference in basis for acquired assets and liabilities (435) (4,738) Other (185 ) (236 ) (14,527 ) (19,490 ) Net deferred tax asset $ 5,355 $ 126

Note 14_ Income Taxes_ Sched118

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Effective Income Tax Rate Reconciliation	2015 2014 2013 Tax at statutory rate 35.0% 35.0% 35.0% Nontaxable interest and dividends (2.4) (3.0) (4.6) Tax credits (8.1) (9.5) (12.5) State taxes 1.4 1.5 1.6 Other (0.8 ) -- -- 25.1 % 24.0 % 19.5 %

Note 15_ Disclosures About F119

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Fair Value, Assets Measured on Recurring Basis	The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2015 and 2014: Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2015 U.S. government agencies $19,781 $-- $19,781 $-- Mortgage-backed securities 161,214 -- 161,214 -- States and political subdivisions 78,031 -- 78,031 -- Equity securities 3,830 -- -- -- Interest rate derivative asset 2,711 -- 2,711 -- Interest rate derivative liability (2,725) -- (2,725) -- December 31, 2014 U.S. government agencies $19,514 $-- $19,514 $-- Mortgage-backed securities 257,798 -- 257,798 -- States and political subdivisions 85,040 -- 85,040 -- Equity securities 3,154 -- -- -- Interest rate derivative asset 2,502 -- -- 2,502 Interest rate derivative liability (2,187) -- -- (2,187)

Note 15_ Disclosures About F120

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	Interest Rate Derivative Asset (In Thousands) Balance, January 1, 2014 $1,859 Net change in fair value 228 Balance, December 31, 2014 2,087 Net change in fair value 496 Transfer to level 2 (2,583) Balance, December 31, 2015 $ -- Interest Rate Cap Derivative Asset Designated as Hedging Instrument (In Thousands) Balance, January 1, 2014 $685 Net change in fair value (270) Balance, December 31, 2014 415 Net change in fair value (287) Transfer to level 2 (128 ) Balance, December 31, 2015 $ -- Interest Rate Derivative Liability (In Thousands) Balance, January 1, 2014 $1,613 Net change in fair value 574 Balance, December 31, 2014 2,187 Net change in fair value 538 Transfer to level 2 (2,725) Balance, December 31, 2015 $ --

Note 15_ Disclosures About F121

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2015 Impaired loans $ 13,896 $ -- $ -- $ 13,896 Foreclosed assets held for sale $ 1,722 $ -- $ -- $ 1,722 December 31, 2014 Impaired loans $ 11,658 $ -- $ -- $ 11,658 Foreclosed assets held for sale $ 6,975 $ -- $ -- $ 6,975

Note 15_ Disclosures About F122

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule Of Financial Instruments Fair Value	December 31, 2015 December 31, 2014 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In thousands) Financial assets Cash and cash equivalents $199,183 $199,183 1 $218,647 $218,647 1 Held-to-maturity securities 353 384 2 450 499 2 Mortgage loans held for sale 12,261 12,261 2 14,579 14,579 2 Loans, net of allowance for loan losses 3,340,536 3,355,924 3 3,038,848 3,047,741 3 Accrued interest receivable 10,930 10,930 3 11,219 11,219 3 Investment in FHLB stock 15,303 15,303 3 16,893 16,893 3 Financial liabilities Deposits 3,268,626 3,271,318 3 2,990,840 2,996,226 3 FHLB advances 263,546 264,331 3 271,641 273,568 3 Short-term borrowings 117,477 117,477 3 211,444 211,444 3 Subordinated debentures 25,774 25,774 3 30,929 30,929 3 Accrued interest payable 1,080 1,080 3 1,067 1,067 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans -- -- 3 -- -- 3 Letters of credit 145 145 3 92 92 3 Lines of credit -- -- 3 -- -- 3

Note 16_ Operating Leases_ Sche

Note 16: Operating Leases: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Future Minimum Rental Payments for Operating Leases	2016 $936 2017 786 2018 582 2019 415 2020 317 Thereafter 215 $ 3,251

Note 17_ Derivatives and Hed124

Note 17: Derivatives and Hedging Activities: Derivative Instruments, Gain (Loss) (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Derivative Instruments, Gain (Loss)	Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2015 2014 (In Thousands) Derivatives designated as hedging instruments Interest rate caps Prepaid expenses and other assets $ 128 $ 415 Total derivatives designated as hedging instruments $ 128 $ 415 Derivatives not designated as hedging instruments Asset Derivatives Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 2,583 $ 2,087 Total derivatives not designated as hedging instruments $ 2,583 $ 2,087 Liability Derivatives Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 2,725 $ 2,187 Total derivatives not designated as hedging instruments $ 2,725 $ 2,187

Note 17_ Derivatives and Hed125

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)	Year Ended December 31 Cash Flow Hedges Amount of Gain (Loss) Recognized in AOCI 2015 2014 2013 (In Thousands) Interest rate cap, net of income taxes $ (50) $ (164 $ (34

Note 19_ Additional Cash Flo126

Note 19: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Cash Flow, Supplemental Disclosures	2015 2014 2013 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $12,185 $19,975 $45,941 Sale and financing of foreclosed assets $3,316 $1,805 $11,303 Conversion of premises and equipment to foreclosed assets -- $202 $2,111 Dividends declared but not paid $3,055 $2,896 $2,606 Additional Cash Payment Information Interest paid $15,984 $15,833 $19,426 Income taxes paid $13,096 $8,510 $17,351

Note 21_ Stock Option Plan_ Sch

Note 21: Stock Option Plan: Schedule of Share-based Compensation, Stock Options, Activity (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Share-based Compensation, Stock Options, Activity	Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2013 326,622 733,292 $24.227 Granted from 2003 plan (3,100) 3,100 23.957 Exercised -- (106,367) 19.687 Forfeited from terminated plan(s) 46,818 (46,818) 27.202 Termination of 2003 Plan (370,340 ) -- -- 583,207 Available to grant from 2013 Plan 700,000 -- Granted from 2013 Plan (116,500 ) 116,500 29.515 Balance, December 31, 2013 583,500 699,707 25.597 Granted from 2013 plan (147,400) 147,400 32.450 Exercised -- (153,287) 27.088 Forfeited from terminated plan(s) -- (22,022) 27.387 Forfeited from current plan(s) 10,700 (10,700) 30.204 Balance, December 31, 2014 446,800 661,098 26.560 Granted from 2013 Plan (129,350) 129,350 49.199 Exercised -- (134,263) 25.403 Forfeited from terminated plan(s) -- (8,453) 24.941 Forfeited from current plan(s) 14,000 (14,000) 33.389 Balance, December 31, 2015 331,450 633,732 $ 31.297

Note 21_ Stock Option Plan_ 128

Note 21: Stock Option Plan: Schedule of Fair Value Option Pricing Model Assumptions (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Fair Value Option Pricing Model Assumptions	2015 2014 2013 Expected dividends per share $0.88 $0.80 $0.72 Risk-free interest rate 1.66% 1.40% 1.53% Expected life of options 5 years 5 years 5 years Expected volatility 24.42% 18.95% 24.80% Weighted average fair value of options granted during year $9.59 $4.20 $5.22

Note 21_ Stock Option Plan_ 129

Note 21: Stock Option Plan: Schedule of Share-based Compensation, Activity (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Share-based Compensation, Activity	Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2015 661,098 $26.560 6.72 years Granted 129,350 49.199 Exercised (134,263) 25.403 Forfeited (22,453 ) 30.208 Options outstanding, December 31, 2015 633,732 31.297 7.22 years Options exercisable, December 31, 2015 221,568 23.518 4.72 years

Note 21_ Stock Option Plan_ 130

Note 21: Stock Option Plan: Schedule of Nonvested Share Activity (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Nonvested Share Activity	Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2015 390,047 $28.148 $4.480 Granted 129,350 49.199 9.586 Vested this period (87,349) 24.299 4.591 Nonvested options forfeited (19,884 ) 30.051 4.946 Nonvested options, December 31, 2015 412,164 35.479 6.039

Note 21_ Stock Option Plan_ Sha

Note 21: Stock Option Plan: Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding and Exercisable (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding and Exercisable	Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Term Price Exercisable Price $8.360 to $19.530 80,449 5.50 years $17.834 57,639 $17.281 $21.320 to $24.820 129,593 6.02 years 23.694 82,473 23.094 $25.480 to $29.860 138,770 6.55 years 28.632 57,586 27.408 $30.660 to $39.050 169,570 7.69 years 32.628 23,870 30.660 $41.500 to $50.710 115,350 9.88 years 50.478 -- -- 633,732 7.22 years 31.297 221,568 23.518

Note 23_ Accumulated Other C132

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year	2015 2014 (In Thousands) Net unrealized gain on available-for-sale securities $9,282 $11,129 Net unrealized loss on derivatives used for cash flow hedges (391 (304 8,891 10,825 Tax effect (3,227 (3,789 Net-of-tax amount $ 5,664 $ 7,036

Note 23_ Accumulated Other C133

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified Out of Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Amounts Reclassified Out of Accumulated Other Comprehensive Income	Amounts Reclassified from AOCI 2015 2014 2013 Affected Line Item in the Statements of Income (In Thousands) Unrealized gains on available-for-sale securities $2 $2,139 $243 Net realized gains on available-for-sale securities (total reclassified amount before tax) Total reclassified amount before tax Income taxes (1 (749 (85 Tax (expense) benefit Total reclassifications out of AOCI $ 1 $ 1,390 $ 158

Note 24_ Regulatory Matters_ Sc

Note 24: Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) As of December 31, 2015 Total capital Great Southern Bancorp, Inc. $452,637 12.6% $288,279 8.0% -- -- Great Southern Bank $434,334 12.1% $288,180 8.0% $360,225 10.0% Tier I capital Great Southern Bancorp, Inc. $414,488 11.5% $216,209 6.0% -- -- Great Southern Bank $396,185 11.0% $216,135 6.0% $288,180 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $414,488 10.2% $162,576 4.0% -- N/A Great Southern Bank $396,185 9.8% $161,986 4.0% $202,482 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $389,460 10.8% $162,157 4.5% -- -- Great Southern Bank $396,157 11.0% $162,101 4.5% $234,146 6.5% As of December 31, 2014 Total risk-based capital Great Southern Bancorp, Inc. $473,689 14.5% $261,062 8.0% -- -- Great Southern Bank $410,291 12.6% $260,919 8.0% $326,149 10.0% Tier I risk-based capital Great Southern Bancorp, Inc. $435,254 13.3% $130,531 4.0% -- -- Great Southern Bank $371,856 11.4% $130,459 4.0% $195,689 6.0% Tier I leverage capital Great Southern Bancorp, Inc. $435,254 11.1% $156,395 4.0% -- -- Great Southern Bank $371,856 9.5% $156,197 4.0% $195,247 5.0%

Note 26_ Summary of Unaudite135

Note 26: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Schedule of Quarterly Financial Information	2015 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $47,906 $45,734 $45,755 $44,956 Interest expense 3,781 3,725 4,230 4,261 Provision for loan losses 1,300 1,300 1,703 1,216 Net realized gains (losses) and impairment on available-for-sale securities -- -- 2 -- Noninterest income (56) 3,457 5,120 5,060 Noninterest expense 27,242 27,949 30,014 29,145 Provision (credit) for income taxes 3,874 4,214 3,732 3,744 Net income 11,653 12,003 11,196 11,650 Net income available to common shareholders 11,508 11,858 11,051 11,531 Earnings per common share – diluted 0.83 0.85 0.79 0.81 2014 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $42,294 $44,384 $47,607 $49,077 Interest expense 4,328 4,413 3,501 3,559 Provision for loan losses 1,691 1,462 945 53 Net realized gains (losses) and impairment on available-for-sale securities 73 569 321 1,176 Noninterest income 924 10,631 1,778 1,398 Noninterest expense 25,894 34,399 29,398 31,168 Provision (credit) for income taxes 2,487 3,687 3,951 3,628 Net income from continuing operations 8,818 11,054 11,590 12,067 Discontinued operations -- -- -- -- Net income 8,818 11,054 11,590 12,067 Net income available to common shareholders 8,673 10,909 11,445 11,923 Earnings per common share – diluted 0.63 0.79 0.83 0.86 2013 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $47,356 $43,481 $43,019 $44,939 Interest expense 5,224 4,980 4,555 4,444 Provision for loan losses 8,225 3,671 2,677 2,813 Net realized gains (losses) and impairment on available-for-sale securities 34 97 110 2 Noninterest income 2,924 2,327 929 (865) Noninterest expense 25,920 26,712 26,156 26,830 Provision (credit) for income taxes 2,517 2,221 2,121 1,315 Net income from continuing operations 8,394 8,224 8,439 8,672 Discontinued operations -- -- -- -- Net income 8,394 8,224 8,439 8,672 Net income available to common shareholders 8,249 8,079 8,294 8,528 Earnings per common share – diluted 0.60 0.59 0.61 0.62

Note 27_ Condensed Parent Co136

Note 27: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Condensed Balance Sheet -- Great Southern Bancorp, Inc.	December 31, 2015 2014 (In Thousands) Statements of Financial Condition Assets Cash $20,009 $64,836 Available-for-sale securities 3,830 3,154 Investment in subsidiary bank 403,174 385,046 Prepaid expenses and other assets 1,335 1,466 $428,348 $454,502 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $3,403 $3,126 Deferred income taxes 944 702 Subordinated debentures issued to capital trust 25,774 30,929 Preferred stock -- 57,943 Common stock 139 138 Additional paid-in capital 24,371 22,345 Retained earnings 368,053 332,283 Accumulated other comprehensive income 5,664 7,036 $428,348 $454,502

Note 27_ Condensed Parent Co137

Note 27: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Condensed Income Statement -- Great Southern Bancorp, Inc.	2015 2014 2013 (In Thousands) Statements of Income Income Dividends from subsidiary bank $27,000 $36,000 $24,000 Interest and dividend income 5 22 20 Gain on redemption of trust preferred securities and sale of non-marketable securities 1,416 -- -- Other income (loss) (7) (20) 13 28,414 36,002 24,033 Expense Operating expenses 1,139 1,198 1,132 Interest expense 714 567 560 1,853 1,765 1,692 Income before income tax and equity in undistributed earnings of subsidiaries 26,561 34,237 22,341 Credit for income taxes (91) (388) (365) Income before equity in earnings of subsidiaries 26,652 34,625 22,706 Equity in undistributed earnings of subsidiaries 19,850 8,904 11,023 Net income $46,502 $43,529 $33,729

Note 27_ Condensed Parent Co138

Note 27: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Condensed Cash Flow Statement -- Great Southern Bancorp, Inc.	2015 2014 2013 (In Thousands) Statements of Cash Flows Operating Activities Net income $46,502 $43,529 $33,729 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (19,850) (8,904) (11,023) Compensation expense for stock option grants 382 565 443 Net realized gains on redemption of trust preferred securities (1,115) -- -- Net realized gains on sales of non-marketable securities (301) -- -- Amortization of interest rate derivative 204 19 -- Changes in Prepaid expenses and other assets (27) (3) 4 Accounts payable and accrued expenses 63 (67) (146) Income taxes 55 43 1 Net cash provided by operating activities 25,913 35,182 23,008 Investing Activities (Investment)/Return of principal - other investments 16 20 (13) Net cash provided by (used in) investing activities 16 20 (13) Financing Activities Purchase of interest rate derivative -- -- (738) Redemption of preferred stock (57,943) -- -- Redemption of trust preferred securities (3,885) -- -- Purchases of the Company’s common stock -- (512) -- Dividends paid (12,290) (11,257) (7,964) Stock options exercised 3,362 2,438 1,242 Net cash used in financing activities (70,756) (9,331) (7,460) Increase (Decrease) in Cash (44,827) 25,871 15,535 Cash, Beginning of Year 64,836 38,965 23,430 Cash, End of Year $20,009 $64,836 $38,965 Additional Cash Payment Information Interest paid $730 $570 $565

Note 27_ Condensed Parent Co139

Note 27: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2015
Tables/Schedules
Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc.	2015 2014 2013 (In Thousands) Statements of Comprehensive Income Net Income $46,502 $43,529 $33,729 Unrealized appreciation on available-for-sale securities, net of taxes of $273, $100 and $302, for 2015, 2014 and 2013, respectively 400 185 561 Change in fair value of cash flow hedge, net of taxes (credit) of $(34), $(88) and $(19) for 2015, 2014 and 2013, respectively (50) (164) (34) Comprehensive income (loss) of subsidiaries (1,722) 4,553 (14,715) Comprehensive Income $45,130 $48,103 $19,541

Note 1_ Nature of Operations140

Note 1: Nature of Operations and Summary of Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2015
Details
Segment Reporting, Additional Information about Entity's Reportable Segments	The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements

Note 1_ Nature of Operations141

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Long-lived Asset Impairment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Property, Plant and Equipment
Valuation Allowances and Reserves, Deductions	$ 1,200

Note 1_ Nature of Operations142

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets: Schedule of Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Goodwill -- Branch acquisition	$ 1,169	$ 1,169
Other Intangible Assets, Net	4,589	6,339
Intangible Assets, Net (Including Goodwill)	5,758	7,508
TeamBank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	105	526
Vantus Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	207	519
Sun Security Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	964	1,314
InterBank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	472	617
Boulevard Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	641	763
Valley Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	$ 2,200	$ 2,600

Note 1_ Nature of Operations143

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Common Share: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Earnings per share net income	$ 46,502	$ 43,529	$ 33,729
Net Income Available to Common Shareholders	$ 45,948	$ 42,950	$ 33,150
Weighted Average Number of Shares Outstanding, Basic	13,818	13,700	13,635
Average common share stock options outstanding	182	176	80
Weighted Average Number of Shares Outstanding, Diluted	14,000	13,876	13,715
Basic	$ 3.33	$ 3.14	$ 2.43
Diluted	$ 3.28	$ 3.10	$ 2.42

Note 1_ Nature of Operations144

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Options to Purchase Shares of Common Stock: Options to Purchase Shares of Common Stock (Details) - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Options to purchase shares of common stock outstanding not included in computation of diluted earnings per share because exercise price greater than average market price	117,600	500	243,510

Note 1_ Nature of Operations145

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stock Option Plans: Share-Based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Allocated Share-based Compensation Expense	$ 382	$ 565	$ 443

Note 1_ Nature of Operations146

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Restriction On Cash and Due From Banks (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Details
Federal Reserve Bank Reserve Fund	$ 58,900	$ 72,300

Note 2_ Investments in Secur147

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Available-for-sale Securities, Amortized Cost Basis	$ 253,575
Available for Sale Securities Fair Value	262,856
US Government Agencies Debt Securities
Available-for-sale Securities, Amortized Cost Basis	20,000	$ 20,000
Available For Sale Securities Gross Unrealized Losses	219	486
Available for Sale Securities Fair Value	19,781	19,514
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Amortized Cost Basis	159,777	254,294
Available for sale Securities, Gross Unrealized Gain	2,038	4,325
Available For Sale Securities Gross Unrealized Losses	601	821
Available for Sale Securities Fair Value	161,214	257,798
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Amortized Cost Basis	72,951	79,237
Available for sale Securities, Gross Unrealized Gain	5,081	5,810
Available For Sale Securities Gross Unrealized Losses	1	7
Available for Sale Securities Fair Value	78,031	85,040
Other securities
Available-for-sale Securities, Amortized Cost Basis	847	847
Available for sale Securities, Gross Unrealized Gain	2,983	2,307
Available for Sale Securities Fair Value	3,830	3,154
Available-for-sale Securities
Available-for-sale Securities, Amortized Cost Basis	253,575	354,378
Available for sale Securities, Gross Unrealized Gain	10,102	12,442
Available For Sale Securities Gross Unrealized Losses	821	1,314
Available for Sale Securities Fair Value	$ 262,856	$ 365,506

Note 2_ Investments in Secur148

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Details) $ in Thousands	Dec. 31, 2015USD ($)
Adjustable Rate Residential Mortgage
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	$ 143,100
Fixed Rate Residential Mortgage
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	18,100
Government National Mortgage Association (GNMA) Insured Loans
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	101,600
Federal National Mortgage Association (FNMA) Insured Loans
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	17,600
Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	$ 42,000

Note 2_ Investments in Secur149

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Details) $ in Thousands	Dec. 31, 2015USD ($)
Details
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	$ 619
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	649
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	3,566
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	3,715
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	88,766
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	93,448
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	159,777
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	161,214
Available for Sale Securities Equity Securities Amortized Cost	847
Available for Sale Securities Equity Securities Fair Value	3,830
Available-for-sale Securities, Amortized Cost Basis	253,575
Available for Sale Securities Fair Value	$ 262,856

Note 2_ Investments in Secur150

Note 2: Investments in Securities: Schedule of Held-to-maturity Securities (Details) - US States and Political Subdivisions Debt Securities - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Held to Maturity Securities Amortized Cost	$ 353	$ 450
Held to Maturity Securities Gross Unrealized Gains	31	49
Held-to-maturity Securities, Fair Value	$ 384	$ 499

Note 2_ Investments in Secur151

Note 2: Investments in Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Details) $ in Thousands	Dec. 31, 2015USD ($)
Details
Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount	$ 353
Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value	$ 384

Note 2_ Investments in Secur152

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities Pledged as Collateral
Securities Owned and Pledged As Collateral Amortized Cost	$ 197,317	$ 294,855
Security Owned and Pledged as Collateral, Fair Value	199,568	299,138
Public deposits
Securities Owned and Pledged As Collateral Amortized Cost	60,355	130,760
Security Owned and Pledged as Collateral, Fair Value	62,288	133,940
Collateralized Loan Obligations
Securities Owned and Pledged As Collateral Amortized Cost	131,813	160,130
Security Owned and Pledged as Collateral, Fair Value	131,950	161,145
Collateralized Securities, Other
Securities Owned and Pledged As Collateral Amortized Cost	5,149	3,965
Security Owned and Pledged as Collateral, Fair Value	$ 5,330	$ 4,053

Note 2_ Investments in Secur153

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Details
Fair value investments reported less than historical cost	$ 76,000	$ 106,000
Fair value investments reported less than historical cost percentage of investment portfolio	28.90%	29.00%

Note 2_ Investments in Secur154

Note 2: Investments in Securities: Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Total Unrealized Losses and Estimated Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 65,494	$ 40,042
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(567)	(328)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	10,545	65,981
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(254)	(986)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	76,039	106,023
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(821)	(1,314)
US Government Agencies Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	20,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(219)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		20,000
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss		(486)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	20,000	20,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(219)	(486)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	45,494	40,042
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(348)	(328)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	9,635	45,056
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(253)	(493)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	55,129	85,098
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(601)	(821)
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	910	925
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	(1)	(7)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	910	925
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	$ (1)	$ (7)

Note 2_ Investments in Secur155

Note 2: Investments in Securities: Other-than-temporary Impairment: Other than Temporary Impairment of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities	$ 0	$ 0	$ 0

Note 2_ Investments in Secur156

Note 2: Investments in Securities: Credit Losses Recognized On Investments: Credit Losses Recognized on Investments (Details) $ in Thousands	Dec. 31, 2015USD ($)
Details
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held	$ 0

Note 3_ Loans and Allowance 157

Note 3: Loans and Allowance For Loan Losses: Schedule of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
One To Four Family Residential Construction
Loans Receivable	$ 23,526	$ 40,361
Subdivision Construction
Loans Receivable	38,504	28,593
Land Development
Loans Receivable	58,440	52,096
Commercial Construction
Loans Receivable	600,794	392,929
Owner Occupied One To Four Family Residential
Loans Receivable	110,277	87,549
Non-Owner Occupied One To Four Family Residential
Loans Receivable	149,874	143,051
Commercial Real Estate
Loans Receivable	1,043,474	945,876
Other Residential
Loans Receivable	419,549	392,414
Commercial Business
Loans Receivable	357,580	354,012
Industrial Revenue Bonds
Loans Receivable	37,362	41,061
Automobile Loan
Loans Receivable	439,895	323,353
Consumer Loan
Loans Receivable	74,829	78,029
Home Equity Line of Credit
Loans Receivable	83,966	66,272
Acquired FDIC Covered Loans Net of Discount
Loans Receivable	236,071	286,608
Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Loans Receivable	33,338	49,945
Acquired Loans Not Covered By FDIC Loss Sharing Agreements Net of Discounts
Loans Receivable	93,436	121,982
Loans Receivable Gross
Loans Receivable	3,800,915	3,404,131
Undisbursed Portion Of Loans In Process
Loans Receivable	(418,702)	(323,572)
Allowance for Loans and Leases Receivable
Loans Receivable	(38,149)	(38,435)
Deferred Loan Fees And Gains Net
Loans Receivable	(3,528)	(3,276)
Loans Receivable
Loans Receivable	$ 3,340,536	$ 3,038,848

Note 3_ Loans and Allowance 158

Note 3: Loans and Allowance For Loan Losses: Schedule of Classes of Loans by Aging (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivables, 30 to 59 Days Past Due | One To Four Family Residential Construction
Financing Receivables	$ 649
Financing Receivables, 30 to 59 Days Past Due | Subdivision Construction
Financing Receivables		$ 109
Financing Receivables, 30 to 59 Days Past Due | Land Development
Financing Receivables	2,245	110
Financing Receivables, 30 to 59 Days Past Due | Commercial Construction
Financing Receivables	1
Financing Receivables, 30 to 59 Days Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	1,217	2,037
Financing Receivables, 30 to 59 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables		583
Financing Receivables, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivables	1,035	6,887
Financing Receivables, 30 to 59 Days Past Due | Commercial Business
Financing Receivables	1,020	59
Financing Receivables, 30 to 59 Days Past Due | Automobile Loan
Financing Receivables	3,351	1,801
Financing Receivables, 30 to 59 Days Past Due | Consumer Loan
Financing Receivables	943	1,301
Financing Receivables, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables	212	89
Financing Receivables, 30 to 59 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	7,936	6,236
Financing Receivables, 30 to 59 Days Past Due | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	989	754
Financing Receivables, 30 to 59 Days Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	1,081	2,638
Financing Receivables, 30 to 59 Days Past Due | Loans Receivable Gross
Financing Receivables	20,679	22,604
Financing Receivables, 30 to 59 Days Past Due | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	10,006	9,628
Financing Receivables, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables	10,673	12,976
Financing Receivables, 60 to 89 Days Past Due | Land Development
Financing Receivables	148
Financing Receivables, 60 to 89 Days Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	345	441
Financing Receivables, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables	471
Financing Receivables, 60 to 89 Days Past Due | Commercial Business
Financing Receivables	9
Financing Receivables, 60 to 89 Days Past Due | Automobile Loan
Financing Receivables	891	244
Financing Receivables, 60 to 89 Days Past Due | Consumer Loan
Financing Receivables	236	260
Financing Receivables, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables	123
Financing Receivables, 60 to 89 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	603	1,062
Financing Receivables, 60 to 89 Days Past Due | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	39	46
Financing Receivables, 60 to 89 Days Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	638	640
Financing Receivables, 60 to 89 Days Past Due | Loans Receivable Gross
Financing Receivables	3,503	2,693
Financing Receivables, 60 to 89 Days Past Due | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	1,280	1,748
Financing Receivables, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables	2,223	945
Financing Receivables, Equal to Greater than 90 Days Past Due | Land Development
Financing Receivables	139	255
Financing Receivables, Equal to Greater than 90 Days Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	715	1,029
Financing Receivables, Equal to Greater than 90 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables	345	296
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables	13,488	4,699
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Business
Financing Receivables	288	411
Financing Receivables, Equal to Greater than 90 Days Past Due | Automobile Loan
Financing Receivables	721	316
Financing Receivables, Equal to Greater than 90 Days Past Due | Consumer Loan
Financing Receivables	576	801
Financing Receivables, Equal to Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables	297	340
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	9,712	16,419
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	33	243
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	5,914	11,248
Financing Receivables, Equal to Greater than 90 Days Past Due | Loans Receivable Gross
Financing Receivables	32,228	36,057
Financing Receivables, Equal to Greater than 90 Days Past Due | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	15,659	27,910
Financing Receivables, Equal to Greater than 90 Days Past Due | Loans Receivable
Financing Receivables	16,569	8,147
Financing Receivables Past Due | One To Four Family Residential Construction
Financing Receivables	649
Financing Receivables Past Due | Subdivision Construction
Financing Receivables		109
Financing Receivables Past Due | Land Development
Financing Receivables	2,532	365
Financing Receivables Past Due | Commercial Construction
Financing Receivables	1
Financing Receivables Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	2,277	3,507
Financing Receivables Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables	345	879
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables	14,994	11,586
Financing Receivables Past Due | Commercial Business
Financing Receivables	1,317	470
Financing Receivables Past Due | Automobile Loan
Financing Receivables	4,963	2,361
Financing Receivables Past Due | Consumer Loan
Financing Receivables	1,755	2,362
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables	632	429
Financing Receivables Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	18,251	23,717
Financing Receivables Past Due | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	1,061	1,043
Financing Receivables Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	7,633	14,526
Financing Receivables Past Due | Loans Receivable Gross
Financing Receivables	56,410	61,354
Financing Receivables Past Due | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	26,945	39,286
Financing Receivables Past Due | Loans Receivable
Financing Receivables	29,465	22,068
Financing Receivables Current | One To Four Family Residential Construction
Financing Receivables	22,877	40,361
Financing Receivables Current | Subdivision Construction
Financing Receivables	38,504	28,484
Financing Receivables Current | Land Development
Financing Receivables	55,908	51,731
Financing Receivables Current | Commercial Construction
Financing Receivables	600,793	392,929
Financing Receivables Current | Owner Occupied One To Four Family Residential
Financing Receivables	108,000	84,042
Financing Receivables Current | Non-Owner Occupied One To Four Family Residential
Financing Receivables	149,529	142,172
Financing Receivables Current | Commercial Real Estate
Financing Receivables	1,028,480	934,290
Financing Receivables Current | Other Residential
Financing Receivables	419,549	392,414
Financing Receivables Current | Commercial Business
Financing Receivables	356,253	353,542
Financing Receivables Current | Industrial Revenue Bonds
Financing Receivables	37,362	41,061
Financing Receivables Current | Automobile Loan
Financing Receivables	434,932	320,992
Financing Receivables Current | Consumer Loan
Financing Receivables	73,074	75,667
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables	83,334	65,843
Financing Receivables Current | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	217,820	262,891
Financing Receivables Current | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	32,277	48,902
Financing Receivables Current | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	85,803	107,456
Financing Receivables Current | Loans Receivable Gross
Financing Receivables	3,744,505	3,342,777
Financing Receivables Current | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	335,900	419,249
Financing Receivables Current | Loans Receivable
Financing Receivables	3,408,605	2,923,528
Financing Receivables Total | One To Four Family Residential Construction
Financing Receivables	23,526	40,361
Financing Receivables Total | Subdivision Construction
Financing Receivables	38,504	28,593
Financing Receivables Total | Land Development
Financing Receivables	58,440	52,096
Financing Receivables Total | Commercial Construction
Financing Receivables	600,794	392,929
Financing Receivables Total | Owner Occupied One To Four Family Residential
Financing Receivables	110,277	87,549
Financing Receivables Total | Non-Owner Occupied One To Four Family Residential
Financing Receivables	149,874	143,051
Financing Receivables Total | Commercial Real Estate
Financing Receivables	1,043,474	945,876
Financing Receivables Total | Other Residential
Financing Receivables	419,549	392,414
Financing Receivables Total | Commercial Business
Financing Receivables	357,580	354,012
Financing Receivables Total | Industrial Revenue Bonds
Financing Receivables	37,362	41,061
Financing Receivables Total | Automobile Loan
Financing Receivables	439,895	323,353
Financing Receivables Total | Consumer Loan
Financing Receivables	74,829	78,029
Financing Receivables Total | Home Equity Line of Credit
Financing Receivables	83,966	66,272
Financing Receivables Total | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	236,071	286,608
Financing Receivables Total | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	33,338	49,945
Financing Receivables Total | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	93,436	121,982
Financing Receivables Total | Loans Receivable Gross
Financing Receivables	3,800,915	3,404,131
Financing Receivables Total | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	362,845	458,535
Financing Receivables Total | Loans Receivable
Financing Receivables	$ 3,438,070	2,945,596
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Owner Occupied One To Four Family Residential
Financing Receivables		170
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Real Estate
Financing Receivables		187
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Consumer Loan
Financing Receivables		397
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Home Equity Line of Credit
Financing Receivables		22
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Acquired FDIC Covered Loans Net of Discount
Financing Receivables		194
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable Gross
Financing Receivables		970
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables		194
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable
Financing Receivables		$ 776

Note 3_ Loans and Allowance 159

Note 3: Loans and Allowance For Loan Losses: Schedule of Financing Receivables NonAccrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Land Development
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 139	$ 255
Owner Occupied One To Four Family Residential
Financing Receivable, Recorded Investment, Nonaccrual Status	715	859
Non-Owner Occupied One To Four Family Residential
Financing Receivable, Recorded Investment, Nonaccrual Status	345	296
Commercial Real Estate
Financing Receivable, Recorded Investment, Nonaccrual Status	13,488	4,512
Commercial Business
Financing Receivable, Recorded Investment, Nonaccrual Status	288	411
Automobile Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	721	316
Consumer Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	576	404
Home Equity Line of Credit
Financing Receivable, Recorded Investment, Nonaccrual Status	297	318
Loans Receivable Nonaccrual
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 16,569	$ 7,371

Note 3_ Loans and Allowance 160

Note 3: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Provision for loan losses	$ 5,519	$ 4,151	$ 17,386
One To Four Family Residential Construction
Provision for Loan Losses Expensed	1,428	(1,025)	1,496
Financing Receivable, Allowance for Credit Losses, Write-downs	(80)	(2,251)	(2,196)
Allowance for Doubtful Accounts Receivable, Recoveries	97	496	113
Financing Receivable, Individually Evaluated for Impairment	6,129	11,488	13,055
Financing Receivable, Collectively Evaluated for Impairment	316,052	288,066	297,057
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	194,697	234,158	206,964
One To Four Family Residential Construction | Beginning of Period
Provision for loan losses	3,455	6,235	6,822
One To Four Family Residential Construction | End of Period
Provision for loan losses	4,900	3,455	6,235
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	731	829	2,501
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,464	2,532	3,734
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	705	94
Other Residential
Provision for Loan Losses Expensed	193	227	1,556
Financing Receivable, Allowance for Credit Losses, Write-downs	(2)	(1)	(3,248)
Allowance for Doubtful Accounts Receivable, Recoveries	58	37	43
Financing Receivable, Individually Evaluated for Impairment	9,533	9,804	10,983
Financing Receivable, Collectively Evaluated for Impairment	410,016	382,610	314,616
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	35,945	48,470	35,095
Other Residential | Beginning of Period
Provision for loan losses	2,941	2,678	4,327
Other Residential | End of Period
Provision for loan losses	3,190	2,941	2,678
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,122	2,923	2,678
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	68	18
Commercial Real Estate
Provision for Loan Losses Expensed	(2,753)	1,855	6,922
Financing Receivable, Allowance for Credit Losses, Write-downs	(2,584)	(2,160)	(9,836)
Allowance for Doubtful Accounts Receivable, Recoveries	302	3,139	2,412
Financing Receivable, Individually Evaluated for Impairment	34,629	28,641	31,591
Financing Receivable, Collectively Evaluated for Impairment	1,008,845	917,235	791,329
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	73,148	107,278	84,591
Commercial Real Estate | Beginning of Period
Provision for loan losses	19,773	16,939	17,441
Commercial Real Estate | End of Period
Provision for loan losses	14,738	19,773	16,939
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	2,556	1,751	90
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	11,888	16,671	16,845
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	294	1,351	4
Commercial Construction
Provision for Loan Losses Expensed	(619)	(957)	1,142
Financing Receivable, Allowance for Credit Losses, Write-downs	(329)	(126)	(788)
Allowance for Doubtful Accounts Receivable, Recoveries	405	181	172
Financing Receivable, Individually Evaluated for Impairment	7,555	7,601	12,628
Financing Receivable, Collectively Evaluated for Impairment	651,679	437,424	229,332
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	4,981	1,937	6,989
Commercial Construction | Beginning of Period
Provision for loan losses	3,562	4,464	3,938
Commercial Construction | End of Period
Provision for loan losses	3,019	3,562	4,464
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,391	1,507	473
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,570	1,905	3,991
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	58	150
Commercial Business
Provision for Loan Losses Expensed	1,450	409	4,404
Financing Receivable, Allowance for Credit Losses, Write-downs	(1,202)	(3,286)	(4,072)
Allowance for Doubtful Accounts Receivable, Recoveries	276	105	1,023
Financing Receivable, Individually Evaluated for Impairment	2,365	2,725	8,755
Financing Receivable, Collectively Evaluated for Impairment	392,577	392,348	306,514
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	10,500	17,789	4,883
Commercial Business | Beginning of Period
Provision for loan losses	3,679	6,451	5,096
Commercial Business | End of Period
Provision for loan losses	4,203	3,679	6,451
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,115	823	4,162
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,862	2,805	2,287
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	226	51	2
Consumer Loan
Provision for Loan Losses Expensed	5,820	3,642	1,866
Financing Receivable, Allowance for Credit Losses, Write-downs	(5,315)	(4,005)	(3,312)
Allowance for Doubtful Accounts Receivable, Recoveries	2,569	2,039	1,770
Financing Receivable, Individually Evaluated for Impairment	1,950	1,480	1,389
Financing Receivable, Collectively Evaluated for Impairment	596,740	466,174	273,871
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	43,574	48,903	47,642
Consumer Loan | Beginning of Period
Provision for loan losses	5,025	3,349	3,025
Consumer Loan | End of Period
Provision for loan losses	8,099	5,025	3,349
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	300	232	218
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	7,647	4,321	3,131
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	152	472
Loans Receivable
Provision for Loan Losses Expensed	5,519	4,151	17,386
Financing Receivable, Allowance for Credit Losses, Write-downs	(9,512)	(11,829)	(23,452)
Allowance for Doubtful Accounts Receivable, Recoveries	3,707	5,997	5,533
Financing Receivable, Individually Evaluated for Impairment	62,161	61,739	78,401
Financing Receivable, Collectively Evaluated for Impairment	3,375,909	2,883,857	2,212,619
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	362,845	458,535	386,164
Loans Receivable | Beginning of Period
Provision for loan losses	38,435	40,116	40,649
Loans Receivable | End of Period
Provision for loan losses	38,149	38,435	40,116
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	6,093	5,142	7,444
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	30,553	31,157	32,666
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	$ 1,503	$ 2,136	$ 6

Note 3_ Loans and Allowance 161

Note 3: Loans and Allowance For Loan Losses: Loans Serviced for Others (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Unpaid principal balances
Loans serviced for others	$ 237,700	$ 266,400,000
Unused lines of Credit
Loans serviced for others	$ 32,300,000	$ 33,000,000

Note 3_ Loans and Allowance 162

Note 3: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
One To Four Family Residential Construction
Impaired Financing Receivable, Recorded Investment		$ 1,312
Impaired Financing Receivable, Unpaid Principal Balance		1,312
Impaired Financing Receivable, Average Recorded Investment	$ 633	173	$ 36
Impaired Financing Receivable Interest Income Recognized	35	76
Subdivision Construction
Impaired Financing Receivable, Recorded Investment	1,061	4,540	3,502
Impaired Financing Receivable, Unpaid Principal Balance	1,061	4,540	3,531
Impaired Financing Receivable, Related Allowance	214	344	1,659
Impaired Financing Receivable, Average Recorded Investment	3,533	2,593	3,315
Impaired Financing Receivable Interest Income Recognized	109	226	163
Land Development
Impaired Financing Receivable, Recorded Investment	7,555	7,601	12,628
Impaired Financing Receivable, Unpaid Principal Balance	7,644	8,044	13,042
Impaired Financing Receivable, Related Allowance	1,391	1,507	473
Impaired Financing Receivable, Average Recorded Investment	7,432	9,691	13,389
Impaired Financing Receivable Interest Income Recognized	287	292	560
Owner Occupied One To Four Family Residential
Impaired Financing Receivable, Recorded Investment	3,166	3,747	5,802
Impaired Financing Receivable, Unpaid Principal Balance	3,427	4,094	6,117
Impaired Financing Receivable, Related Allowance	389	407	593
Impaired Financing Receivable, Average Recorded Investment	3,587	4,808	5,101
Impaired Financing Receivable Interest Income Recognized	179	212	251
Non-Owner Occupied One To Four Family Residential
Impaired Financing Receivable, Recorded Investment	1,902	1,889	3,751
Impaired Financing Receivable, Unpaid Principal Balance	2,138	2,113	4,003
Impaired Financing Receivable, Related Allowance	128	78	249
Impaired Financing Receivable, Average Recorded Investment	1,769	4,010	4,797
Impaired Financing Receivable Interest Income Recognized	100	94	195
Commercial Real Estate
Impaired Financing Receivable, Recorded Investment	34,629	28,641	31,591
Impaired Financing Receivable, Unpaid Principal Balance	37,259	30,781	34,032
Impaired Financing Receivable, Related Allowance	2,556	1,751	90
Impaired Financing Receivable, Average Recorded Investment	28,610	29,808	42,242
Impaired Financing Receivable Interest Income Recognized	1,594	1,253	1,632
Other Residential
Impaired Financing Receivable, Recorded Investment	9,533	9,804	10,983
Impaired Financing Receivable, Unpaid Principal Balance	9,533	9,804	10,983
Impaired Financing Receivable, Average Recorded Investment	9,670	10,469	13,837
Impaired Financing Receivable Interest Income Recognized	378	407	434
Commercial Business
Impaired Financing Receivable, Recorded Investment	2,365	2,725	6,057
Impaired Financing Receivable, Unpaid Principal Balance	2,539	2,750	6,077
Impaired Financing Receivable, Related Allowance	1,115	823	4,162
Impaired Financing Receivable, Average Recorded Investment	2,268	2,579	6,821
Impaired Financing Receivable Interest Income Recognized	138	158	179
Industrial Revenue Bonds
Impaired Financing Receivable, Recorded Investment			2,698
Impaired Financing Receivable, Unpaid Principal Balance			2,778
Impaired Financing Receivable, Average Recorded Investment		2,644	2,700
Impaired Financing Receivable Interest Income Recognized			27
Automobile Loan
Impaired Financing Receivable, Recorded Investment	791	420	216
Impaired Financing Receivable, Unpaid Principal Balance	829	507	231
Impaired Financing Receivable, Related Allowance	119	63	32
Impaired Financing Receivable, Average Recorded Investment	576	219	145
Impaired Financing Receivable Interest Income Recognized	59	37	16
Consumer Loan
Impaired Financing Receivable, Recorded Investment	802	629	604
Impaired Financing Receivable, Unpaid Principal Balance	885	765	700
Impaired Financing Receivable, Related Allowance	120	94	91
Impaired Financing Receivable, Average Recorded Investment	672	676	630
Impaired Financing Receivable Interest Income Recognized	74	71	63
Home Equity Line of Credit
Impaired Financing Receivable, Recorded Investment	357	431	569
Impaired Financing Receivable, Unpaid Principal Balance	374	476	706
Impaired Financing Receivable, Related Allowance	62	75	95
Impaired Financing Receivable, Average Recorded Investment	403	461	391
Impaired Financing Receivable Interest Income Recognized	27	25	38
Loans Receivable Impaired
Impaired Financing Receivable, Recorded Investment	62,161	61,739	78,401
Impaired Financing Receivable, Unpaid Principal Balance	65,689	65,186	82,200
Impaired Financing Receivable, Related Allowance	6,093	5,142	7,444
Impaired Financing Receivable, Average Recorded Investment	59,153	68,131	93,404
Impaired Financing Receivable Interest Income Recognized	$ 2,980	$ 2,851	$ 3,558

Note 3_ Loans and Allowance 163

Note 3: Loans and Allowance For Loan Losses: Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Impaired Loans With Specific Valuation Allowance	$ 25,100	$ 20,000	$ 18,000
Impaired Loans Valuation Allowance	6,100	5,100	7,400
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	$ 1,000	$ 1,100	$ 1,600

Note 3_ Loans and Allowance 164

Note 3: Loans and Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Troubled Debt Restructurings Total Modifications	$ 45,000	$ 47,600
Commercial Business
Troubled Debt Restructuring Loans Modified Term	1,095	1,150
Troubled Debt Restructurings Total Modifications	1,095	1,150
Consumer Loan
Troubled Debt Restructuring Loans Modified Term	97	145
Troubled Debt Restructurings Total Modifications	97	145
Total Newly Restructured Loans
Troubled Debt Restructuring Loans Interest Only		814
Troubled Debt Restructuring Loans Modified Term	1,714	5,780
Troubled Debt Restructuring Loans Modified Combination	164	223
Troubled Debt Restructurings Total Modifications	1,878	6,817
Mortgage Loan on Real Estate | One To Four Family Residential
Troubled Debt Restructuring Loans Interest Only		308
Troubled Debt Restructuring Loans Modified Term	407	426
Troubled Debt Restructuring Loans Modified Combination	164
Troubled Debt Restructurings Total Modifications	571	734
Mortgage Loan on Real Estate | Commercial Real Estate
Troubled Debt Restructuring Loans Interest Only		506
Troubled Debt Restructuring Loans Modified Term	115	1,928
Troubled Debt Restructurings Total Modifications	$ 115	2,434
Mortgage Loan on Real Estate | One To Four Family Residential Construction
Troubled Debt Restructuring Loans Modified Combination		223
Troubled Debt Restructurings Total Modifications		223
Mortgage Loan on Real Estate | Subdivision Construction
Troubled Debt Restructuring Loans Modified Term		250
Troubled Debt Restructurings Total Modifications		250
Mortgage Loan on Real Estate | Other Residential
Troubled Debt Restructuring Loans Modified Term		1,881
Troubled Debt Restructurings Total Modifications		$ 1,881

Note 3_ Loans and Allowance 165

Note 3: Loans and Allowance For Loan Losses: Loans Modified in Troubled Debt Restructurings by Segment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Troubled Debt Restructurings Total Modifications	$ 45,000	$ 47,600
Total Troubled Debt Restructurings Accruing Interest	39,000	39,200
Substandard
Troubled Debt Restructurings	12,200	18,300
Construction And Land Development
Troubled Debt Restructured Loans and Impaired	7,900	8,300
Single Family and Multi-Family Residential Mortgage Loans
Troubled Debt Restructured Loans and Impaired	13,500	13,800
Commercial Real Estate
Troubled Debt Restructured Loans and Impaired	21,300	23,300
Commercial Business
Troubled Debt Restructurings Total Modifications	1,095	1,150
Troubled Debt Restructured Loans and Impaired	2,000	1,900
Consumer Loan
Troubled Debt Restructurings Total Modifications	97	145
Troubled Debt Restructured Loans and Impaired	$ 311	$ 324

Note 3_ Loans and Allowance 166

Note 3: Loans and Allowance For Loan Losses: Troubled Debt Restructured Loans Returned to Accrual Status (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Troubled Debt Restructurings Returned to Accrual Status	$ 2,700
Commercial Real Estate
Troubled Debt Restructurings Returned to Accrual Status	1,300
Residential Mortgage
Troubled Debt Restructurings Returned to Accrual Status	1,000
Construction And Land Development
Troubled Debt Restructurings Returned to Accrual Status	337
Consumer Loan
Troubled Debt Restructurings Returned to Accrual Status	43
Commercial Business
Troubled Debt Restructurings Returned to Accrual Status	$ 29

Note 3_ Loans and Allowance 167

Note 3: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Satisfactory | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification	$ 22,798	$ 39,049
Satisfactory | Subdivision Construction
Loan Portfolio Internal Grading System Classification	34,370	24,269
Satisfactory | Land Development
Loan Portfolio Internal Grading System Classification	47,357	41,035
Satisfactory | Commercial Construction
Loan Portfolio Internal Grading System Classification	600,794	392,929
Satisfactory | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	108,584	85,041
Satisfactory | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	144,744	141,198
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,005,894	901,167
Satisfactory | Other Residential
Loan Portfolio Internal Grading System Classification	409,172	380,811
Satisfactory | Commercial Business
Loan Portfolio Internal Grading System Classification	355,370	351,744
Satisfactory | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	37,362	40,037
Satisfactory | Automobile Loan
Loan Portfolio Internal Grading System Classification	439,157	323,002
Satisfactory | Consumer Loan
Loan Portfolio Internal Grading System Classification	74,167	77,507
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	83,627	65,841
Satisfactory | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	236,055	286,049
Satisfactory | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Loan Portfolio Internal Grading System Classification	33,237	48,592
Satisfactory | Acquired Non-Covered Loans Net Of Discounts
Loan Portfolio Internal Grading System Classification	91,614	121,982
Satisfactory | Loans Receivable
Loan Portfolio Internal Grading System Classification	3,724,302	3,320,253
Watch | Subdivision Construction
Loan Portfolio Internal Grading System Classification	263	21
Watch | Land Development
Loan Portfolio Internal Grading System Classification	6,992	5,000
Watch | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	587	745
Watch | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	516	580
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	18,805	32,155
Watch | Other Residential
Loan Portfolio Internal Grading System Classification	8,422	9,647
Watch | Commercial Business
Loan Portfolio Internal Grading System Classification	1,303	423
Watch | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification		1,024
Watch | Consumer Loan
Loan Portfolio Internal Grading System Classification		3
Watch | Loans Receivable
Loan Portfolio Internal Grading System Classification	36,888	49,598
Special Mention | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification	728
Special Mention | Subdivision Construction
Loan Portfolio Internal Grading System Classification	3,407
Special Mention | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	3,827
Special Mention | Commercial Business
Loan Portfolio Internal Grading System Classification	438
Special Mention | Loans Receivable
Loan Portfolio Internal Grading System Classification	8,400
Substandard | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification		1,312
Substandard | Subdivision Construction
Loan Portfolio Internal Grading System Classification	464	4,303
Substandard | Land Development
Loan Portfolio Internal Grading System Classification	4,091	6,061
Substandard | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	1,106	1,763
Substandard | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	787	1,273
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	18,775	12,554
Substandard | Other Residential
Loan Portfolio Internal Grading System Classification	1,955	1,956
Substandard | Commercial Business
Loan Portfolio Internal Grading System Classification	469	1,845
Substandard | Automobile Loan
Loan Portfolio Internal Grading System Classification	738	351
Substandard | Consumer Loan
Loan Portfolio Internal Grading System Classification	662	519
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	339	431
Substandard | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	16	559
Substandard | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Loan Portfolio Internal Grading System Classification	101	1,353
Substandard | Acquired Non-Covered Loans Net Of Discounts
Loan Portfolio Internal Grading System Classification	1,822
Substandard | Loans Receivable
Loan Portfolio Internal Grading System Classification	31,325	34,280
Total Credit Quality Indicator | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification	23,526	40,361
Total Credit Quality Indicator | Subdivision Construction
Loan Portfolio Internal Grading System Classification	38,504	28,593
Total Credit Quality Indicator | Land Development
Loan Portfolio Internal Grading System Classification	58,440	52,096
Total Credit Quality Indicator | Commercial Construction
Loan Portfolio Internal Grading System Classification	600,794	392,929
Total Credit Quality Indicator | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	110,277	87,549
Total Credit Quality Indicator | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	149,874	143,051
Total Credit Quality Indicator | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,043,474	945,876
Total Credit Quality Indicator | Other Residential
Loan Portfolio Internal Grading System Classification	419,549	392,414
Total Credit Quality Indicator | Commercial Business
Loan Portfolio Internal Grading System Classification	357,580	354,012
Total Credit Quality Indicator | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	37,362	41,061
Total Credit Quality Indicator | Automobile Loan
Loan Portfolio Internal Grading System Classification	439,895	323,353
Total Credit Quality Indicator | Consumer Loan
Loan Portfolio Internal Grading System Classification	74,829	78,029
Total Credit Quality Indicator | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	83,966	66,272
Total Credit Quality Indicator | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	236,071	286,608
Total Credit Quality Indicator | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Loan Portfolio Internal Grading System Classification	33,338	49,945
Total Credit Quality Indicator | Acquired Non-Covered Loans Net Of Discounts
Loan Portfolio Internal Grading System Classification	93,436	121,982
Total Credit Quality Indicator | Loans Receivable
Loan Portfolio Internal Grading System Classification	$ 3,800,915	$ 3,404,131

Note 3_ Loans and Allowance 168

Note 3: Loans and Allowance For Loan Losses: Related Party Transactions Disclosure: Schedule of Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Related Party Transaction, Purchases from Related Party	$ 3,390	$ 10,427
Repayments of Related Party Debt	(5,131)	(1,492)
Beginning of Period
Related Party Transaction, Amounts of Transaction	16,028	7,093
End of Period
Related Party Transaction, Amounts of Transaction	$ 14,287	$ 16,028

Note 4_ Acquired Loans, Loss169

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, TeamBank Assets Acquired and Liabilities Assumed (Details) - TeamBank - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Mar. 20, 2009
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets				$ 222,800
Business Combination, Indemnification Assets, Amount as of Acquisition Date				153,600
Business Combination Recognized Assets Acquired and Liabilities Assumed After Adjustment				264,400
Business Combination Indemnification Assets Amount as of Acquisition Date After Adjustment				$ 128,300
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 0	$ 0	$ 134

Note 4_ Acquired Loans, Loss170

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, TeamBank Other Assets Acquired (Details) - TeamBank $ in Thousands	Mar. 20, 2009USD ($)
Business Acquisition, Other Assets Acquired	$ 235,500
Business Acquisition, Liabilities Assumed	610,200
Core Deposit Intangible Asset	2,900
Cash Received from Federal Deposit Insurance Corporation	42,400
Securities Investment
Business Acquisition, Other Assets Acquired	111,800
Cash and Cash Equivalents
Business Acquisition, Other Assets Acquired	83,400
Foreclosed assets
Business Acquisition, Other Assets Acquired	2,900
Investment in Federal Home Loan Bank Stock
Business Acquisition, Other Assets Acquired	3,900
Deposits
Business Acquisition, Liabilities Assumed	515,700
Federal Home Loan Bank Advances
Business Acquisition, Liabilities Assumed	80,900
Repurchase Agreements
Business Acquisition, Liabilities Assumed	$ 2,300

Note 4_ Acquired Loans, Loss171

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, Vantus Bank Assets Acquired and Liabilities Assumed (Details) - Vantus Bank - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Sep. 04, 2009
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets				$ 247,000
Business Combination, Indemnification Assets, Amount as of Acquisition Date				$ 62,200
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 0	$ 0	$ 104

Note 4_ Acquired Loans, Loss172

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Busienss Acquisition, Vantus Bank Other Assets Acquired (Details) - Vantus Bank $ in Thousands	Sep. 04, 2009USD ($)
Business Acquisition, Other Assets Acquired	$ 47,200
Business Acquisition, Liabilities Assumed	444,000
Core Deposit Intangible Asset	2,200
Cash Received from Federal Deposit Insurance Corporation	131,300
Securities Investment
Business Acquisition, Other Assets Acquired	23,100
Cash and Cash Equivalents
Business Acquisition, Other Assets Acquired	12,800
Foreclosed assets
Business Acquisition, Other Assets Acquired	2,200
Investment in Federal Home Loan Bank Stock
Business Acquisition, Other Assets Acquired	5,900
Deposits
Business Acquisition, Liabilities Assumed	352,700
Federal Home Loan Bank Advances
Business Acquisition, Liabilities Assumed	74,600
Federal Reserve Bank Advances
Business Acquisition, Liabilities Assumed	10,000
Repurchase Agreements
Business Acquisition, Liabilities Assumed	$ 3,200

Note 4_ Acquired Loans, Loss173

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, Sun Security Bank Assets Acquired and Liabilities Assumed (Details) - Sun Security Bank - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Oct. 07, 2011
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets				$ 163,700
Business Combination, Indemnification Assets, Amount as of Acquisition Date				$ 67,400
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 0	$ 105	$ 974

Note 4_ Acquired Loans, Loss174

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, Sun Security Bank Other Assets Acquired (Details) - Sun Security Bank $ in Thousands	Oct. 07, 2011USD ($)
Business Acquisition, Other Assets Acquired	$ 85,200
Business Acquisition, Liabilities Assumed	345,800
Core Deposit Intangible Asset	2,500
Cash Received from Federal Deposit Insurance Corporation	40,800
Securities Investment
Business Acquisition, Other Assets Acquired	45,300
Cash and Cash Equivalents
Business Acquisition, Other Assets Acquired	26,100
Foreclosed assets
Business Acquisition, Other Assets Acquired	9,100
Investment in Federal Home Loan Bank Stock
Business Acquisition, Other Assets Acquired	3,000
Other Assets
Business Acquisition, Other Assets Acquired	1,800
Deposits
Business Acquisition, Liabilities Assumed	280,900
Federal Home Loan Bank Advances
Business Acquisition, Liabilities Assumed	64,300
Other Liabilities
Business Acquisition, Liabilities Assumed	$ 632

Note 4_ Acquired Loans, Loss175

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, InterBank Assets Acquired and Liabilities Assumed (Details) - InterBank - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Apr. 27, 2012
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets				$ 285,500
Business Combination, Indemnification Assets, Amount as of Acquisition Date				$ 84,000
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 459	$ 544	$ 636

Note 4_ Acquired Loans, Loss176

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Busdiness Acquisition, InterBank Other Assets Acquired (Details) - InterBank $ in Thousands	Apr. 27, 2012USD ($)
Business Acquisition, Other Assets Acquired	$ 79,800
Business Acquisition, Liabilities Assumed	458,700
Core Deposit Intangible Asset	1,000
Cash Received from Federal Deposit Insurance Corporation	40,800
Securities Investment
Business Acquisition, Other Assets Acquired	34,900
Cash and Cash Equivalents
Business Acquisition, Other Assets Acquired	34,500
Foreclosed assets
Business Acquisition, Other Assets Acquired	6,200
Investment in Federal Home Loan Bank Stock
Business Acquisition, Other Assets Acquired	585
Other Assets
Business Acquisition, Other Assets Acquired	2,600
Deposits
Business Acquisition, Liabilities Assumed	456,300
Other Liabilities
Business Acquisition, Liabilities Assumed	$ 2,400

Note 4_ Acquired Loans, Loss177

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, Valley Bank Assets Acquired and Liabilities Assumed (Details) - Valley Bank - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Business Combination Loans Acquired		$ 165,100
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 794	$ 501

Note 4_ Acquired Loans, Loss178

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Business Combination Accretable Yield (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Increase in accretable yield due to increased cash flow expectations	$ 13,720	$ 31,461	$ 40,947
Decrease in FDIC indemnification asset as a result of accretable yield increase	$ (5,056)	$ (23,129)	$ (32,597)

Note 4_ Acquired Loans, Loss179

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy: Schedule of Impact of Acquired Loans on Financial Results (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Impact of acquired loan pools on net interest income	$ 28,531	$ 34,974	$ 35,211
Impact of acquired loan pools on non-interest income	(19,534)	(28,740)	(29,451)
Net impact of acquired loan pools to pre-tax income	$ 8,997	$ 6,234	$ 5,760

Note 4_ Acquired Loans, Loss180

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
FDIC indemnification asset		$ 24,082	$ 44,334
TeamBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		29,115	43,855
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(1,285)	(1,923)
Original estimated fair value of assets, net of activity since acquisition date		(27,660)	(41,560)
Expected loss remaining		$ 170	$ 372
Assumed loss sharing recovery percentage		90.00%	85.00%
Estimated loss sharing value		$ 154	$ 315
Indemnification assets to be amortized resulting from change in expected losses		241	359
FDIC indemnification asset		$ 395	674
TeamBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date			132
Original estimated fair value of assets, net of activity since acquisition date			(119)
Expected loss remaining			$ 13
Assumed loss sharing recovery percentage		0.00%	77.00%
Estimated loss sharing value			$ 10
FDIC indemnification asset			10
Vantus Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		$ 31,818	42,138
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(470)	(504)
Original estimated fair value of assets, net of activity since acquisition date		(31,092)	(40,997)
Expected loss remaining		$ 256	$ 637
Assumed loss sharing recovery percentage		61.00%	72.00%
Estimated loss sharing value		$ 156	$ 461
Indemnification assets to be amortized resulting from change in expected losses		319	324
FDIC indemnification asset		475	785
Vantus Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		608	1,084
Original estimated fair value of assets, net of activity since acquisition date		(418)	(894)
Expected loss remaining		$ 190	$ 190
Assumed loss sharing recovery percentage		0.00%	0.00%
Sun Security Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		$ 43,855	$ 59,618
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(2,171)	(3,341)
Original estimated fair value of assets, net of activity since acquisition date		(40,349)	(52,166)
Expected loss remaining		$ 1,335	$ 4,111
Assumed loss sharing recovery percentage		34.00%	65.00%
Estimated loss sharing value		$ 456	$ 2,676
Indemnification assets to be amortized resulting from change in expected losses		1,725	2,662
FDIC indemnification asset		2,145	5,071
Accretable Discount on FDIC Indemnification Asset		(36)	(267)
Sun Security Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		557	2,325
Original estimated fair value of assets, net of activity since acquisition date		(461)	(1,488)
Expected loss remaining		$ 96	$ 837
Assumed loss sharing recovery percentage		80.00%	80.00%
Estimated loss sharing value		$ 77	$ 670
FDIC indemnification asset		14	606
Accretable Discount on FDIC Indemnification Asset		(63)	(64)
InterBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		193,654	244,977
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(4,901)	(19,566)
Original estimated fair value of assets, net of activity since acquisition date		(170,308)	(201,830)
Expected loss remaining		$ 19,347	$ 24,942
Assumed loss sharing recovery percentage		83.00%	82.00%
Estimated loss sharing value	[1]	$ 16,032	$ 20,509
Indemnification assets to be amortized resulting from change in expected losses		3,920	15,652
FDIC indemnification asset		20,511	36,814
Accretable Discount on FDIC Indemnification Asset		(1,801)	(2,967)
Non-credit premium (discount), net of activity since acquisition date		902	1,361
FDIC loss share clawback		2,360	3,620
InterBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		2,110	4,494
Original estimated fair value of assets, net of activity since acquisition date		(1,392)	(3,986)
Expected loss remaining		$ 718	$ 508
Assumed loss sharing recovery percentage		80.00%	80.00%
Estimated loss sharing value	[1]	$ 575	$ 406
FDIC indemnification asset		542	373
Accretable Discount on FDIC Indemnification Asset		(33)	(33)
Valley Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		109,791	145,845
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(3,213)	(1,519)
Original estimated fair value of assets, net of activity since acquisition date		(93,436)	(121,982)
Expected loss remaining		13,861	23,858
Non-credit premium (discount), net of activity since acquisition date		719	1,514
Valley Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		1,017	778
Original estimated fair value of assets, net of activity since acquisition date		(995)	$ (778)
Expected loss remaining		$ 22
[1]	Includes $400,000 impairment of indemnification asset for loans

Note 4_ Acquired Loans, Loss181

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Changes in Accretable Yield for Acquired Loan Pools (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
TeamBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		$ (3,265)		$ (4,138)		$ (9,473)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference		205	[1]	3,601	[1]	4,747	[2]
TeamBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)						12,128
TeamBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		3,805		6,865		7,402
Vantus Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(2,541)		(3,835)		(8,940)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference		1,448	[1]	2,563	[1]	1,127	[2]
Vantus Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)						13,538
Vantus Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		3,360		4,453		5,725
Sun Security Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(5,487)		(10,590)		(16,885)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference		3,459	[1]	7,429	[1]	16,739	[2]
Sun Security Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)						11,259
Sun Security Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		5,924		7,952		11,113
InterBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(28,767)		(37,994)		(28,667)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference		9,022	[1]	33,991	[1]	26,188	[2]
InterBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)						42,574
InterBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		16,347		36,092		$ 40,095
Valley Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(10,975)		(4,788)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	8,159		(7,056)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Additions				22,976
Valley Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		$ 8,316		$ 11,132
[1]	Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2015, totaling $40,000, $1.1 million, $2.0 million, $4.8 million and $759,000, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2014, totaling $3.2 million, $2.4 million, $3.9 million, $9.2 million and $(9.6 million), respectively; and for TeamBank, Vantus Bank, Sun Security Bank and InterBank for the year ended December 31, 2013, totaling $2.3 million, $611,000, $4.8 million and $146,000, respectively.
[2]	Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the six months ended June 30, 2015, totaling $(176,000), $527,000, $1.1 million, $1.6 million and $344,000, respectively, and for the six months ended June 30, 2014, totaling $2.3 million, $984,000, $1.4 million, $1.7 million and $-0-, respectively.

Note 5_ Other Real Estate Ow182

Note 5: Other Real Estate Owned: Schedule of major classifications of other real estate owned (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Other Real Estate Owned, Net	$ 31,893	$ 45,838
Foreclosed Assets Held For Sale | One To Four Family Residential Construction
Foreclosed Assets		223
Foreclosed Assets Held For Sale | Subdivision Construction
Foreclosed Assets	7,016	9,857
Foreclosed Assets Held For Sale | Land Development
Foreclosed Assets	12,133	17,168
Foreclosed Assets Held For Sale | One To Four Family Residential
Foreclosed Assets	1,375	3,353
Foreclosed Assets Held For Sale | Other Residential
Foreclosed Assets	2,150	2,625
Foreclosed Assets Held For Sale | Commercial Real Estate
Foreclosed Assets	3,608	1,632
Foreclosed Assets Held For Sale | Commercial Business
Foreclosed Assets		59
Foreclosed Assets Held For Sale | Consumer Loan
Foreclosed Assets	1,109	624
Foreclosed Assets Held For Sale | Foreclosed Assets Before FDIC Supported Foreclosed Assets
Foreclosed Assets	27,391	35,541
Foreclosed Assets Held For Sale | FDIC Supported Foreclosed Assets Net Of Discounts
Foreclosed Assets	1,834	5,695
Foreclosed Assets Held For Sale | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Foreclosed Assets	460	879
Foreclosed Assets Held For Sale | Acquired Loans Not Covered By FDIC Loss Sharing Agreements Net of Discounts
Foreclosed Assets	995	778
Foreclosed Assets Held For Sale Net
Foreclosed Assets	30,680	42,893
Other real estate owned not acquired through foreclosure
Other Real Estate Owned, Net	$ 1,213	$ 2,945

Note 5_ Other Real Estate Ow183

Note 5: Other Real Estate Owned: Other Real Estate Owned Not Acquired Through Foreclosure (Details)	12 Months Ended
	Dec. 31, 2015
Details
Number of properties acquired other than through foreclosure	9
Number of branch locations closed and held for sale	8
Number of properties acquired for potential branch locations	1

Note 5_ Other Real Estate Ow184

Note 5: Other Real Estate Owned: Schedule of expenses applicable to other real estate owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Loss (Gain) on Sales of Foreclosed Assets	$ (397)	$ (91)	$ (231)
Valuation write-downs on foreclosed assets	890	3,343	1,384
Operating expenses, net of rental income	2,033	2,384	2,915
Total foreclosed assets expenses	$ 2,526	$ 5,636	$ 4,068

Note 6_ Premises and Equipme185

Note 6: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Details
Land	$ 39,395	$ 35,577
Inventory, Buildings and Improvements	87,333	85,128
Furniture and Fixtures, Gross	56,051	50,311
Property, Plant and Equipment, Gross	182,779	171,016
Property, Plant, and Equipment, Owned, Accumulated Depreciation	53,124	46,175
Premises and equipment, net	$ 129,655	$ 124,841

Note 7_ Investments in Limit186

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Details
Number of Investments in Affordable Housing Partnerships	13	13
Investments in Affordable Housing Partnerships Carrying Value, Net	$ 25,100	$ 29,600
Federal Affordable Housing Tax Credits	32,700
Expected Amortization of Investments in Affordable Housing Partnerships	25,100
Usage of Federal Affordable Housing Tax Credits	6,300	6,000	$ 7,100
Actual Amortization of Investments in Affordable Housing Partnerships	$ 4,900	$ 4,700	$ 5,000

Note 7_ Investments in Limit187

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Details
Number of Investments in Community Development Entities	4	4
Investments in Community Development Entities Net Carrying Amount	$ 3,500	$ 5,100
Community Development Federal New Market Tax Credits	4,700
Expected Amortization of Investment in Community Development Entities	3,300
Usage of Investment in Community Development Entities Federal New Market Tax Credits	2,300	2,300	$ 2,300
Actual Amortization of Investment in Community Development Entities	$ 1,700	$ 1,700	$ 1,600

Note 8_ Deposits_ Schedule o188

Note 8: Deposits: Schedule of Deposit Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Noninterest-bearing Deposit Liabilities	$ 571,629	$ 518,266
Demand Deposit Accounts	1,980,479	1,893,366
0.00% - 0.99% | Bank Time Deposits
Noninterest-bearing Deposit Liabilities	863,865	798,932
1.00% to 1.99% | Bank Time Deposits
Noninterest-bearing Deposit Liabilities	381,956	227,476
2.00% - 2.99% | Bank Time Deposits
Noninterest-bearing Deposit Liabilities	39,592	61,146
3.00% - 3.99% | Bank Time Deposits
Noninterest-bearing Deposit Liabilities	1,137	8,065
4.00% - 4.99% | Bank Time Deposits
Noninterest-bearing Deposit Liabilities	1,304	1,435
5.00% and Above | Bank Time Deposits
Noninterest-bearing Deposit Liabilities	293	420
Total Time Deposits | Bank Time Deposits
Noninterest-bearing Deposit Liabilities	1,288,147	1,097,474
Non-Interest Bearing Demand Deposits
Noninterest-bearing Deposit Liabilities	3,268,626	2,990,840
Weighted Average Interest Rate | 0.24% - 0.19%
Interest-bearing Domestic Deposit, Demand	$ 1,408,850	$ 1,375,100

Note 8_ Deposits_ Weighted Aver

Note 8: Deposits: Weighted Average Interest Rate on Certificates of Deposit (Details)	Dec. 31, 2015	Dec. 31, 2014
Details
Weighted average interest rate on certificates of deposit	0.85%	0.78%

Note 8_ Deposits_ Originated Ce

Note 8: Deposits: Originated Certificates of Deposit and Brokered Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Details
Amount of certificates of deposit greater than $100,000 originated	$ 493,600	$ 402,000
Interest-bearing Domestic Deposit, Brokered	$ 283,700	$ 173,500

Note 8_ Deposits_ Schedule o191

Note 8: Deposits: Schedule of Certificates of Deposit by Scheduled Maturities (Details) - Certificate of Deposit Owner $ in Thousands	Dec. 31, 2015USD ($)
Retail
Time Deposit Maturities, Next Twelve Months	$ 727,380
Time Deposit Maturities, Year Two	186,133
Time Deposit Maturities, Year Three	57,968
Time Deposit Maturities, Year Four	12,536
Time Deposit Maturities, Year Five	15,644
Time Deposit Maturities, after Year Five	4,738
Time Deposits	1,004,399
Brokered
Time Deposit Maturities, Next Twelve Months	202,089
Time Deposit Maturities, Year Two	79,267
Time Deposit Maturities, Year Three	2,392
Time Deposits	283,748
Certificate Owners, Total
Time Deposit Maturities, Next Twelve Months	929,469
Time Deposit Maturities, Year Two	265,400
Time Deposit Maturities, Year Three	60,360
Time Deposit Maturities, Year Four	12,536
Time Deposit Maturities, Year Five	15,644
Time Deposit Maturities, after Year Five	4,738
Time Deposits	$ 1,288,147

Note 8_ Deposits_ Schedule o192

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Interest Expense, Demand Deposit Accounts	$ 2,858	$ 3,088	$ 3,551
Interest Expense, Time Deposits	10,739	8,264	8,871
Interest Expense Domestic Deposit Liabilities, Withdrawal Penalties	(86)	(127)	(76)
Interest Expense, Customer Deposits	$ 13,511	$ 11,225	$ 12,346

Note 9_ Advances From Federa193

Note 9: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Due in 2016
Federal Home Loan Bank Advances Maturities Summary	$ 232,071	$ 70
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	0.42%	5.14%
Due in 2017
Federal Home Loan Bank Advances Maturities Summary	$ 30,826	$ 30,826
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	3.26%	3.26%
Due in 2018
Federal Home Loan Bank Advances Maturities Summary	$ 81	$ 81
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	5.14%	5.14%
Due in 2019
Federal Home Loan Bank Advances Maturities Summary	$ 28	$ 28
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	5.14%	5.14%
Due in 2021 and Thereafter
Federal Home Loan Bank Advances Maturities Summary	$ 500	$ 500
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	5.54%	5.54%
Federal Home Loan Bank Advances, Gross
Federal Home Loan Bank Advances Maturities Summary	$ 263,506	$ 271,570
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	0.76%	0.75%
Federal Home Loan Bank Advances Unamortized Fair Value Adjustment
Federal Home Loan Bank Advances Maturities Summary	$ 40	$ 71
Federal Home Loan Bank Advances, Net
Federal Home Loan Bank Advances Maturities Summary	$ 263,546	271,641
Due in 2015
Federal Home Loan Bank Advances Maturities Summary		$ 240,065
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate		0.41%

Note 10_ Short-term Borrowin194

Note 10: Short-term Borrowings: Schedule of Short-term Debt (Details) - Short-term Debt - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Notes payable (Community Development) - Equity Funds	$ 1,295	$ 1,451
Other Short-term Borrowings		41,000
Securities for Reverse Repurchase Agreements	116,182	168,993
Short-term Debt, Fair Value	$ 117,477	$ 211,444

Note 10_ Short-term Borrowin195

Note 10: Short-term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities sold under reverse repurchase agreements with customers	$ 116,182	$ 168,993
Financial Assets Sold under Agreement to Repurchase
Securities sold under reverse repurchase agreements with customers	161,182	168,993
Financial Assets Sold under Agreement to Repurchase | Maturity Overnight | Federal Home Loan Bank Certificates and Obligations (FHLB)
Securities sold under reverse repurchase agreements with customers		10,000
Financial Assets Sold under Agreement to Repurchase | Maturity Overnight | Mortgage Backed Securities, Other
Securities sold under reverse repurchase agreements with customers	$ 161,182	$ 158,993

Note 11_ Federal Reserve Ban196

Note 11: Federal Reserve Bank Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Details
Long-term Line of Credit	$ 633,700	$ 563,200

Note 13_ Subordinated Debent197

Note 13: Subordinated Debentures Issued To Capital Trusts: Schedule of Subordinated Borrowing (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Details
Subordinated Debt, Current	$ 25,774	$ 30,929

Note 14_ Income Taxes_ Sched198

Note 14: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Income Taxes Payable, Current	$ 20,234	$ 20,013	$ 17,013
Deferred Income Taxes and Tax Credits	(4,670)	(6,260)	(8,839)
Accrued Income Taxes, Current	$ 15,564	$ 13,753	$ 8,174

Note 14_ Income Taxes_ Sched199

Note 14: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Details
Deferred Tax Assets Allowance for Loan Losses	$ 13,848	$ 13,452
Deferred Tax Assets Interest on Nonperforming Loans	259	317
Deferred Tax Assets Accrued Expenses	1,302	1,527
Deferred Tax Assets Write-down of Foreclosed Assets	4,056	3,970
Deferred Tax Assets Write-down of Fixed Assets	417
Deferred Tax Assets, Other		350
Deferred Tax Assets, Gross, Current	19,882	19,616
Deferred Tax Liabilities Tax Depreciation in Excess of Book Depreciation	(6,483)	(6,443)
Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends	(1,549)	(1,494)
Deferred Tax Liabilities Partnership Tax Credits	(1,991)	(2,176)
Deferred Tax Liabilities, Prepaid Expenses	(515)	(508)
Deferred Tax Liabilities, Unrealized Gains on Trading Securities	(3,369)	(3,895)
Deferred Tax Liabilities Difference in Basis for Acquired Assets and Liabilities	(435)	(4,738)
Deferred Tax Liabilities, Other	(185)	(236)
Deferred Tax Liabilities, Gross, Current	(14,527)	(19,490)
Deferred Tax Assets, Net	$ 5,355	$ 126

Note 14_ Income Taxes_ Sched200

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	35.00%	35.00%	35.00%
Effective Income Tax Reconciliation Nontaxable Interest and Dividends	(2.40%)	(3.00%)	(4.60%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	(8.10%)	(9.50%)	(12.50%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.40%	1.50%	1.60%
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	(0.80%)
Effective Income Tax Rate Reconciliation	25.10%	24.00%	19.50%

Note 15_ Disclosures About F201

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
US Government Agencies Debt Securities
Assets, Fair Value Disclosure, Recurring	$ 19,781	$ 19,514
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Assets, Fair Value Disclosure, Recurring	161,214	257,798
US States and Political Subdivisions Debt Securities
Assets, Fair Value Disclosure, Recurring	78,031	85,040
Other securities
Assets, Fair Value Disclosure, Recurring	3,830	3,154
Interest Rate Swap Asset
Assets, Fair Value Disclosure, Recurring	2,711	2,502
Interest Rate Swap Liability
Assets, Fair Value Disclosure, Recurring	(2,725)	(2,187)
Fair Value, Inputs, Level 2 | US Government Agencies Debt Securities
Assets, Fair Value Disclosure, Recurring	19,781	19,514
Fair Value, Inputs, Level 2 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Assets, Fair Value Disclosure, Recurring	161,214	257,798
Fair Value, Inputs, Level 2 | US States and Political Subdivisions Debt Securities
Assets, Fair Value Disclosure, Recurring	78,031	85,040
Fair Value, Inputs, Level 2 | Interest Rate Swap Asset
Assets, Fair Value Disclosure, Recurring	2,711
Fair Value, Inputs, Level 2 | Interest Rate Swap Liability
Assets, Fair Value Disclosure, Recurring	$ (2,725)
Fair Value, Inputs, Level 3 | Interest Rate Swap Asset
Assets, Fair Value Disclosure, Recurring		2,502
Fair Value, Inputs, Level 3 | Interest Rate Swap Liability
Assets, Fair Value Disclosure, Recurring		$ (2,187)

Note 15_ Disclosures About F202

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Interest Rate Derivative Asset
Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments	$ 496	$ 228
Fair Value Equity Level 3 To Level 2 Transfers Amount	(2,583)
Interest Rate Derivative Asset | Beginning of Period
Increase (Decrease) in Derivative Assets		1,859
Interest Rate Derivative Asset | End of Period
Increase (Decrease) in Derivative Assets		2,087
Interest Rate Cap Derivative Asset Designated as Hedging Instrument
Fair Value Equity Level 3 To Level 2 Transfers Amount	(128)
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Inputs Reconciliation, Gain (Loss) Included in Other Comprehensive Income (Loss)	(287)	(270)
Interest Rate Cap Derivative Asset Designated as Hedging Instrument | Beginning of Period
Derivative Asset Designated as Hedging Instrument Cap	685
Interest Rate Cap Derivative Asset Designated as Hedging Instrument | End of Period
Derivative Asset Designated as Hedging Instrument Cap		415
Interest Rate Derivative Liability
Fair Value Equity Level 3 To Level 2 Transfers Amount	(2,725)
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Change in Unrealized Gain (Loss)	$ 538	574
Interest Rate Derivative Liability | Beginning of Period
Derivative Liability, Fair Value, Gross Liability		1,613
Interest Rate Derivative Liability | End of Period
Derivative Liability, Fair Value, Gross Liability		$ 2,187

Note 15_ Disclosures About F203

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Impaired Loans
Assets, Fair Value Disclosure, Nonrecurring	$ 13,896	$ 11,658
Foreclosed Assets Held For Sale
Assets, Fair Value Disclosure, Nonrecurring	1,722	6,975
Fair Value, Inputs, Level 3 | Impaired Loans
Assets, Fair Value Disclosure, Nonrecurring	13,896	11,658
Fair Value, Inputs, Level 3 | Foreclosed Assets Held For Sale
Assets, Fair Value Disclosure, Nonrecurring	$ 1,722	$ 6,975

Note 15_ Disclosures About F204

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details) $ in Thousands	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Financial Assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 199,183	$ 218,647
Financial Instruments, Owned, at Fair Value	$ 199,183	$ 218,647
Fair Value by Fair Value Hierarchy Level	1	1
Financial Assets | Held-to-maturity Securities
Financial Instruments Owned Carrying Amount	$ 353	$ 450
Financial Instruments, Owned, at Fair Value	$ 384	$ 499
Fair Value by Fair Value Hierarchy Level	2	2
Financial Assets | Mortgage Loans Held For Sale
Financial Instruments Owned Carrying Amount	$ 12,261	$ 14,579
Financial Instruments, Owned, at Fair Value	$ 12,261	$ 14,579
Fair Value by Fair Value Hierarchy Level	2	2
Financial Assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 3,340,536	$ 3,038,848
Financial Instruments, Owned, at Fair Value	$ 3,355,924	$ 3,047,741
Fair Value by Fair Value Hierarchy Level	3	3
Financial Assets | Accrued Interest Receivable
Financial Instruments Owned Carrying Amount	$ 10,930	$ 11,219
Financial Instruments, Owned, at Fair Value	$ 10,930	$ 11,219
Fair Value by Fair Value Hierarchy Level	3	3
Financial Assets | Investment in Federal Home Loan Bank Stock
Financial Instruments Owned Carrying Amount	$ 15,303	$ 16,893
Financial Instruments, Owned, at Fair Value	$ 15,303	$ 16,893
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Deposits
Financial Instruments Owned Carrying Amount	$ 3,268,626	$ 2,990,840
Financial Instruments, Owned, at Fair Value	$ 3,271,318	$ 2,996,226
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Federal Home Loan Bank Advances
Financial Instruments Owned Carrying Amount	$ 263,546	$ 271,641
Financial Instruments, Owned, at Fair Value	$ 264,331	$ 273,568
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Short-term Debt
Financial Instruments Owned Carrying Amount	$ 117,477	$ 211,444
Financial Instruments, Owned, at Fair Value	$ 117,477	$ 211,444
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 25,774	$ 30,929
Financial Instruments, Owned, at Fair Value	$ 25,774	$ 30,929
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Accrued Interest Payable
Financial Instruments Owned Carrying Amount	$ 1,080	$ 1,067
Financial Instruments, Owned, at Fair Value	$ 1,080	$ 1,067
Fair Value by Fair Value Hierarchy Level	3	3
Unrecognized Financial Instruments Net Of Contractual Value | Loan Origination Commitments
Fair Value by Fair Value Hierarchy Level	3	3
Unrecognized Financial Instruments Net Of Contractual Value | Letter of Credit
Financial Instruments Owned Carrying Amount	$ 145	$ 92
Financial Instruments, Owned, at Fair Value	$ 145	$ 92
Fair Value by Fair Value Hierarchy Level	3	3
Unrecognized Financial Instruments Net Of Contractual Value | Line of Credit
Fair Value by Fair Value Hierarchy Level	3	3

Note 16_ Operating Leases_ S205

Note 16: Operating Leases: Schedule of Future Minimum Rental Payments for Operating Leases (Details) $ in Thousands	Dec. 31, 2015USD ($)
Details
Operating Leases, Future Minimum Payments Due, Next Twelve Months	$ 936
Operating Leases, Future Minimum Payments, Due in Two Years	786
Operating Leases, Future Minimum Payments, Due in Three Years	582
Operating Leases, Future Minimum Payments, Due in Four Years	415
Operating Leases, Future Minimum Payments, Due in Five Years	317
Operating Leases, Future Minimum Payments, Due Thereafter	215
Operating Leases, Future Minimum Payments Due	$ 3,251

Note 16_ Operating Leases_ Rent

Note 16: Operating Leases: Rental Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Operating Leases, Rent Expense	$ 1,200	$ 1,100	$ 1,000

Note 17_ Derivatives and Hed207

Note 17: Derivatives and Hedging Activities: Nondesignated Hedges (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Interest Rate Swap | Not Designated as Hedging Instrument | Commercial Customers
Derivative, Notional Amount	$ 123,000	$ 125,100

Note 17_ Derivatives and Hed208

Note 17: Derivatives and Hedging Activities: Derivative Instruments, Gain (Loss) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Total derivatives designated as hedging instruments	$ 128	$ 415
Asset Derivative Fair Value
Total derivatives not designated as hedging instruments	2,583	2,087
Liability Derivative Fair Value
Total derivatives not designated as hedging instruments	$ 2,725	$ 2,187

Note 17_ Derivatives and Hed209

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges | Interest Rate Cap
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net	$ (50)	$ (164)	$ (34)

Note 19_ Additional Cash Flo210

Note 19: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Noncash Investing and Financing Activities
Real Estate Acquired Through Foreclosure	$ 12,185	$ 19,975	$ 45,941
Proceeds from Sale of Wholly Owned Real Estate and Real Estate Acquired in Settlement of Loans	3,316	1,805	11,303
Conversion of premises and equipment to foreclosed assets		202	2,111
Dividends declared but not paid	3,055	2,896	2,606
Additional Cash Payment Information
Interest Paid	15,984	15,833	19,426
Income Taxes Paid	$ 13,096	$ 8,510	$ 17,351

Note 21_ Stock Option Plan_ 211

Note 21: Stock Option Plan: Schedule of Share-based Compensation, Stock Options, Activity (Details) - Employee Stock Option - $ / shares	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Granted From 2003 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			(3,100)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options			3,100
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price			$ 23.957
Exercised
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(134,263)	(153,287)	(106,367)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 25.403	$ 27.088	$ 19.687
Forfeited From Terminated Plan(s)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			46,818
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(8,453)	(22,022)	(46,818)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 24.941	$ 27.387	$ 27.202
Termination of 2003 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			(370,340)
Shares under option 2013 plan
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options			583,207
Available to Grant From 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			700,000
Granted From 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	(129,350)	(147,400)	(116,500)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	129,350	147,400	116,500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 49.199	$ 32.450	$ 29.515
Forfeited From Current Plan(s)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	14,000	10,700
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(14,000)	(10,700)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 33.389	$ 30.204
Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			326,622
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options			733,292
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price			$ 24.227
End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	331,450	446,800	583,500
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	633,732	661,098	699,707
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 31.297	$ 26.560	$ 25.597

Note 21_ Stock Option Plan_ 212

Note 21: Stock Option Plan: Schedule of Fair Value Option Pricing Model Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Fair Value Assumptions, Expected Dividend Payments	$ 0.88	$ 0.80	$ 0.72
Fair Value Assumptions, Risk Free Interest Rate	1.66%	1.40%	1.53%
Fair Value Assumptions, Expected Term, Simplified Method	5 years	5 years	5 years
Fair Value Assumptions, Expected Volatility Rate	24.42%	18.95%	24.80%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 9.59	$ 4.20	$ 5.22

Note 21_ Stock Option Plan_ 213

Note 21: Stock Option Plan: Schedule of Share-based Compensation, Activity (Details) - Employee Stock Option	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Options Outstanding | Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	661,098
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 26.560
Share based compensation stock option weighted average remaining contractual term	6.72 years
Options Outstanding | End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	633,732
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 31.297
Share based compensation stock option weighted average remaining contractual term	7.22 years
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	129,350
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 49.199
Exercised
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(134,263)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 25.403
ForfeitedMember
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(22,453)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 30.208
Options Exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	221,568
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 23.518
Share based compensation stock option weighted average remaining contractual term	4.72 years

Note 21_ Stock Option Plan_ 214

Note 21: Stock Option Plan: Schedule of Nonvested Share Activity (Details) - Employee Stock Option	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Nonvested Options | Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	390,047
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 28.148
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 4.480
Nonvested Options | End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	412,164
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 35.479
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 6.039
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	129,350
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 49.199
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 9.586
Vested This Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(87,349)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 24.299
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 4.591
Nonvested Options Forfeited
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(19,884)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 30.051
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 4.946

Note 21_ Stock Option Plan_ 215

Note 21: Stock Option Plan: Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding and Exercisable (Details) - Range of Exercise Prices	12 Months Ended
	Dec. 31, 2015$ / sharesshares
$8.360 to $19.530
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	80,449
Share based compensation stock option weighted average remaining contractual term	5.50 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 17.834
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	57,639
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 17.281
$21.320 to $24.820
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	129,593
Share based compensation stock option weighted average remaining contractual term	6.02 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 23.694
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	82,473
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 23.094
$25.480 to $29.860
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	138,770
Share based compensation stock option weighted average remaining contractual term	6.55 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 28.632
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	57,586
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 27.408
$30.660 to $39.050
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	169,570
Share based compensation stock option weighted average remaining contractual term	7.69 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 32.628
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	23,870
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 30.660
$41.500 to $50.710
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	115,350
Share based compensation stock option weighted average remaining contractual term	9.88 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 50.478
Options outstanding and exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	633,732
Share based compensation stock option weighted average remaining contractual term	7.22 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 31.297
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	221,568
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 23.518

Note 23_ Accumulated Other C216

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Details) - Accumulated Other Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Net unrealized gain (loss) on available for sale securities	$ 9,282	$ 11,129
Net unrealized gain (loss) on available for sale securities for which a portion of an other-than-temporary impairment has been recognized in income	(391)	(304)
Other Comprehensive Income (Loss), before Tax	8,891	10,825
Tax effect accumulated other comprehensive income	(3,227)	(3,789)
Other Comprehensive Income (Loss), Net of Tax	$ 5,664	$ 7,036

Note 23_ Accumulated Other C217

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reclassifications Out of Accumulated Other Comprehensive Income	$ 1	$ 1,390	$ 158
Affected Line Item in the Statements of Income | Net realized gains on available-for-sale securities (total reclassified amount before tax)
Unrealized gains on available-for-sale securities reclassified out of AOCI	2	2,139	243
Affected Line Item in the Statements of Income | Tax (expense) benefit
Income taxes on unrealized gains on available-for-sale securities reclassified out of AOCI	$ (1)	$ (749)	$ (85)

Note 24_ Regulatory Matters_218

Note 24: Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Total risk-based capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 452,637	$ 473,689
Actual Capital Ratio	12.60%	14.50%
Capital Required for Capital Adequacy	$ 288,279	$ 261,062
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Total risk-based capital | Great Southern Bank
Actual Capital Amount	$ 434,334	$ 410,291
Actual Capital Ratio	12.10%	12.60%
Capital Required for Capital Adequacy	$ 288,180	$ 260,919
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized	$ 360,225	$ 326,149
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier I risk-based capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 414,488	$ 435,254
Actual Capital Ratio	11.50%	13.30%
Capital Required for Capital Adequacy	$ 216,209	$ 130,531
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	4.00%
Tier I risk-based capital | Great Southern Bank
Actual Capital Amount	$ 396,185	$ 371,856
Actual Capital Ratio	11.00%	11.40%
Capital Required for Capital Adequacy	$ 216,135	$ 130,459
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	4.00%
Capital Required to be Well Capitalized	$ 288,180	$ 195,689
Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	6.00%
Tier I leverage capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 414,488	$ 435,254
Actual Capital Ratio	10.20%	11.10%
Capital Required for Capital Adequacy	$ 162,576	$ 156,395
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized to Risk Weighted Assets
Tier I leverage capital | Great Southern Bank
Actual Capital Amount	$ 396,185	$ 371,856
Actual Capital Ratio	9.80%	9.50%
Capital Required for Capital Adequacy	$ 161,986	$ 156,197
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized	$ 202,482	$ 195,247
Capital Required to be Well Capitalized to Risk Weighted Assets	5.00%	5.00%
Capital Equity Tier I Capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 389,460
Actual Capital Ratio	10.80%
Capital Required for Capital Adequacy	$ 162,157
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Capital Equity Tier I Capital | Great Southern Bank
Actual Capital Amount	$ 396,157
Actual Capital Ratio	11.00%
Capital Required for Capital Adequacy	$ 162,101
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Capital Required to be Well Capitalized	$ 234,146
Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%

Note 26_ Summary of Unaudite219

Note 26: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net income													$ 46,502	$ 43,529	$ 33,729
Quarterly Operating Results
Interest Income, Operating	$ 44,956	$ 45,755	$ 45,734	$ 47,906	$ 49,077	$ 47,607	$ 44,384	$ 42,294	$ 44,939	$ 43,019	$ 43,481	$ 47,356
Interest Expense Operating	4,261	4,230	3,725	3,781	3,559	3,501	4,413	4,328	4,444	4,555	4,980	5,224
Provision for Other Losses	1,216	1,703	1,300	1,300	53	945	1,462	1,691	2,813	2,677	3,671	8,225
Net realized gain (losses) and impairment on available for sale securities operating		2			1,176	321	569	73	2	110	97	34
Noninterest Income, Other Operating Income	5,060	5,120	3,457	(56)	1,398	1,778	10,631	924	(865)	929	2,327	2,924
Other Noninterest Expense	29,145	30,014	27,949	27,242	31,168	29,398	34,399	25,894	26,830	26,156	26,712	25,920
Provision for income taxes	3,744	3,732	4,214	3,874	3,628	3,951	3,687	2,487	1,315	2,121	2,221	2,517
Net income	11,650	11,196	12,003	11,653	12,067	11,590	11,054	8,818	8,672	8,439	8,224	8,394
Net income available to common shareholders	$ 11,531	$ 11,051	$ 11,858	$ 11,508	$ 11,923	$ 11,445	$ 10,909	$ 8,673	$ 8,528	$ 8,294	$ 8,079	$ 8,249
Earnings per share operating results diluted	$ 0.81	$ 0.79	$ 0.85	$ 0.83	$ 0.86	$ 0.83	$ 0.79	$ 0.63	$ 0.62	$ 0.61	$ 0.59	$ 0.60
Net income from continuing operations results					$ 12,067	$ 11,590	$ 11,054	$ 8,818	$ 8,672	$ 8,439	$ 8,224	$ 8,394

Note 27_ Condensed Parent Co220

Note 27: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Cash	$ 115,198	$ 109,052
Available-for-sale securities	262,856	365,506
Total assets	4,104,189	3,951,334
Additional paid-in capital	24,371	22,345
Retained earnings	368,053	332,283
Statements of Financial Condition | Parent Company | Assets
Cash	20,009	64,836
Available-for-sale securities	3,830	3,154
Investment in subsidiary bank	403,174	385,046
Prepaid expenses and other assets	1,335	1,466
Total assets	428,348	454,502
Statements of Financial Condition | Parent Company | Liabilities and Stockholders Equity
Accounts Payable and Other Accrued Liabilities	3,403	3,126
Deferred Tax Liabilities, Gross	944	702
Subordinated Debt	25,774	30,929
Preferred Stock Value Parent		57,943
Common Stock Value Parent	139	138
Additional paid-in capital	24,371	22,345
Retained earnings	368,053	332,283
Unrealized gain on available-for-sale securities, parent net	5,664	7,036
Total Assets and Liabilities	$ 428,348	$ 454,502

Note 27_ Condensed Parent Co221

Note 27: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Gain on Redemption of Trust Preferred Securities	$ (1,115)
Total Interest Expense	15,997	$ 15,801	$ 19,203
Statements of Income | Parent Company
Income before income tax and equity in undistributed earnings of subsidiaries	26,561	34,237	22,341
Income Tax Credits and Adjustments	(91)	(388)	(365)
Income before equity in earnings of subsidiaries	26,652	34,625	22,706
Equity in undistributed earnings of subsidiaries	19,850	8,904	11,023
Net income parent company	46,502	43,529	33,729
Statements of Income | Parent Company | Income
Dividends from subsidiary bank	27,000	36,000	24,000
Other Interest and Dividend Income	5	22	20
Gain on Redemption of Trust Preferred Securities	1,416
Other income (loss)	(7)	(20)	13
Total income	28,414	36,002	24,033
Statements of Income | Parent Company | Expense
Operating Expenses	1,139	1,198	1,132
Total Interest Expense	714	567	560
Total expense	$ 1,853	$ 1,765	$ 1,692

Note 27_ Condensed Parent Co222

Note 27: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Gain on Redemption of Trust Preferred Securities	$ (1,115)
Amortization of interest rate derivative	204	$ 19
Prepaid expenses and other assets	3,982	8,430	$ (7,529)
Net cash provided by operating activities	71,429	67,433	93,921
Net cash provided by (used in) investing activities	(196,195)	35,870	124,690
Redemption of preferred stock	(57,943)
Redemption of Trust Preferred Securities	(3,885)
Net cash provided by (used in) financing activities	105,302	(112,581)	(394,827)
Statements of Cash Flows | Parent Company
Cash, Period Increase (Decrease)	(44,827)	25,871	15,535
Cash beginning of period	64,836	38,965	23,430
Cash end of period	20,009	64,836	38,965
Statements of Cash Flows | Parent Company | Operating Activities
Operating Activity Net Income Parent Company	46,502	43,529	33,729
Net cash provided by operating activities	25,913	35,182	23,008
Statements of Cash Flows | Parent Company | Operating Activities | Items not requiring (providing) cash
Increase (Decrease) Equity in Undistributed Earnings of Subsidiaries	(19,850)	(8,904)	(11,023)
Compensation expense for stock option grants	382	565	443
Gain on Redemption of Trust Preferred Securities	(1,115)
Net realized gains on sales of non-marketable securities	(301)
Statements of Cash Flows | Parent Company | Operating Activities | Changes in
Prepaid expenses and other assets	(27)	(3)	4
Accounts Payable and Other Accrued Liabilities	63	(67)	(146)
Income taxes parent	55	43	1
Statements of Cash Flows | Parent Company | Investing Activities
Investment/Return of principal - other investments	16	20	(13)
Net cash provided by (used in) investing activities	16	20	(13)
Statements of Cash Flows | Parent Company | Financing Activities
Payments for Derivative Instrument, Financing Activities			(738)
Redemption of preferred stock	(57,943)
Redemption of Trust Preferred Securities	(3,885)
Payments for Repurchase of Warrants		(512)
Dividends, Paid-in-kind	(12,290)	(11,257)	(7,964)
Stock options excercised	3,362	2,438	1,242
Net cash provided by (used in) financing activities	$ (70,756)	$ (9,331)	$ (7,460)

Note 27_ Condensed Parent Co223

Note 27: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Unrealized Appreciation (Depreciation) on Available for Sale Securities, Net	$ (1,321)	$ 6,128	$ (13,959)
Statements of Comprehensive Income | Parent Company
Income (Loss) Attributable to Parent	46,502	43,529	33,729
Unrealized Appreciation (Depreciation) on Available for Sale Securities, Net	400	185	561
Change in Fair Value of Cash Flow Hedge, Net	(50)	(164)	(34)
Comprehensive Income of subsidiaries	(1,722)	4,553	(14,715)
Comprehensive Income parent	$ 45,130	$ 48,103	$ 19,541