Great Southern Bancorp (GSBC) 10-Q 6 May 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2016	May. 04, 2016
Document and Entity Information:
Entity Registrant Name	Great Southern Bancorp Inc
Document Type	10-Q
Document Period End Date	Mar. 31, 2016
Trading Symbol	gsbc
Amendment Flag	false
Entity Central Index Key	854,560
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		13,893,932
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1

GREAT SOUTHERN BANCORP, INC. AN

GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES -- CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (March 31, 2016 figures unaudited) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash	$ 107,193	$ 115,198
Interest-bearing deposits in other financial institutions	114,538	83,985
Cash and cash equivalents	221,731	199,183
Available-for-sale securities	249,546	262,856
Held-to-maturity securities	353	353
Mortgage loans held for sale	7,560	12,261
Loans receivable, net	3,527,580	3,340,536
FDIC indemnification asset	20,125	24,082
Interest receivable	11,335	10,930
Prepaid expenses and other assets	54,537	59,322
Other real estate owned, net	39,528	31,893
Premises and equipment, net	143,434	129,655
Goodwill and other intangible assets	13,867	5,758
Investment in Federal Home Loan Bank stock	14,804	15,303
Current and deferred income taxes	10,244	12,057
Total Assets	4,314,644	4,104,189
Liabilities:
Deposits	3,468,699	3,268,626
Federal Home Loan Bank advances	31,523	263,546
Securities sold under reverse repurchase agreements with customers	135,097	116,182
Short-term borrowings	216,276	1,295
Subordinated debentures issued to capital trusts	25,774	25,774
Accrued interest payable	1,056	1,080
Advances from borrowers for taxes and insurance	6,773	4,681
Accounts payable and accrued expenses	24,223	24,778
Total Liabilities	3,909,421	3,705,962
Capital stock
Common stock	139	139
Additional paid-in capital	24,544	24,371
Retained earnings	374,845	368,053
Accumulated other comprehensive income	5,695	5,664
Total Stockholders' Equity	405,223	398,227
Total Liabilities and Stockholders' Equity	$ 4,314,644	$ 4,104,189

GREAT SOUTHERN BANCORP, INC. A3

GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES - CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (March 31, 2016 figures unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Statements of Financial Condition
Held-to-maturity securities fair value	$ 382	$ 384
Allowance for loan losses	$ 37,026	$ 38,149
Preferred stock par value	$ 0.01	$ 0.01
Preferred stock authorized shares	1,000,000	1,000,000
Preferred stock issued shares	0	0
Preferred stock shares outstanding	0	0
Common stock par value	$ 0.01	$ 0.01
Common stock shares authorized	20,000,000	20,000,000
Common stock shares issued	13,892,128	13,887,932
Common stock shares outstanding	13,892,128	13,887,932

GREAT SOUTHERN BANCORP, INC. A4

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

GREAT SOUTHERN BANCORP, INC. A5

GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES -- CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statements of Comprehensive Income
Net Income	$ 9,793	$ 11,653
Unrealized appreciation (depreciation) on available-for-sale securities, net	63	(98)
Reclassification adjustment for gains included in net income, net	(2)	0
Change in fair value of cash flow hedge, net	(30)	(96)
Comprehensive Income	$ 9,824	$ 11,459

GREAT SOUTHERN BANCORP, INC. A6

GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES -- CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statements of Comprehensive Income
Tax effect of unrealized appreciation (depreciation) on available-for-sale securities, taxes (credit)	$ 36	$ (52)
Tax effect reclassification adjustment for gains included in net income, taxes	(1)	0
Tax effect of change in fair value of cash flow hedge, taxes (credit)	$ (17)	$ (53)

GREAT SOUTHERN BANCORP, INC. A7

GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES -- CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 9,793	$ 11,653
Proceeds from sales of loans held for sale	32,671	34,150
Originations of loans held for sale	(26,076)	(36,462)
Items not requiring (providing) cash:
Depreciation	1,336	2,306
Amortization	963	858
Compensation expense for stock option grants	116	131
Provision for loan losses	2,101	1,300
Net gains on loan sales	(832)	(940)
Net realized gains on sale of available-for-sale securities	(3)
Net gains on sale of premises and equipment	(233)	(6)
Net gain on sale of foreclosed assets	(129)	(131)
Gain on sale of business units	(368)
Amortization of deferred income, premiums, discounts and other	2,150	1,364
Loss on derivative interest rate products	162	92
Deferred income taxes	(931)	231
Changes in:
Interest receivable	5	(138)
Prepaid expenses and other assets	6,744	(4,494)
Accrued expenses and other liabilities	(2,649)	6,496
Income taxes refundable/payable	2,827	(1,878)
Net cash provided by operating activities	27,647	14,532
CASH FLOWS FROM INVESTING ACTIVITIES
Net increase in loans	(28,119)	(55,991)
Purchase of loans	(10,000)	(26,475)
Cash received from purchase of additional business units	44,363
Cash received from FDIC loss sharing reimbursements	216	501
Cash paid for sale of business units	(17,821)
Purchase of premises and equipment	(4,370)	(1,796)
Proceeds from sale of premises and equipment	933	41
Proceeds from sale of foreclosed assets	5,434	3,189
Capitalized costs on foreclosed assets		(8)
Proceeds from sales of available-for-sale securities	23,900
Proceeds from maturing securities		110
Proceeds from called securities	6,580	4,345
Principal reductions on mortgage-backed securities	7,473	16,088
Purchase of available-for-sale securities	(24,858)
Redemption of Federal Home Loan Bank stock	499	8,327
Net cash provided by (used in) investing activities	4,230	(51,669)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in certificates of deposit	217	138,008
Net increase (decrease) in checking and savings deposits	(10,170)	130,745
Proceeds from Federal Home Loan Bank advances	1,793,000	2,073,000
Repayments of Federal Home Loan Bank advances	(2,025,017)	(2,252,016)
Net increase in short-term borrowings	233,896	8,060
Advances from borrowers for taxes and insurance	1,688	1,230
Dividends paid	(3,055)	(2,896)
Stock options exercised	112	428
Net cash provided by (used in) financing activities	(9,329)	96,559
INCREASE IN CASH AND CASH EQUIVALENTS	22,548	59,422
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	199,183	218,647
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 221,731	$ 278,069

Note 1_ Basis of Presentation

Note 1: Basis of Presentation	3 Months Ended
	Mar. 31, 2016
Notes
Note 1: Basis of Presentation	NOTE 1: BASIS OF PRESENTATION The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations and cash flows of the Company for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three months ended March 31, 2016 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2015, has been derived from the audited consolidated statement of financial condition of the Company as of that date. Certain prior period amounts have been reclassified to conform to the current period presentation. These reclassifications had no effect on net income. Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K

Note 2_ Nature of Operations an

Note 2: Nature of Operations and Operating Segments	3 Months Ended
	Mar. 31, 2016
Notes
Note 2: Nature of Operations and Operating Segments	NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS The Company operates as a one-bank holding company. The Company’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. In addition, the Company operates commercial loan production offices in Dallas, Texas and Tulsa, Oklahoma. The Company and the Bank are subject to the regulations of 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 through 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 3_ Recent Accounting Prono

Note 3: Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2016
Notes
Note 3: Recent Accounting Pronouncements	NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS 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 January 2016, the FASB issued ASU No. 2016-01, Financial Instruments – Overall (Topic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) In March 2016, the FASB issued ASU No. 2016-09, Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting

Note 4_ Earnings Per Share

Note 4: Earnings Per Share	3 Months Ended
	Mar. 31, 2016
Notes
Note 4: Earnings Per Share	NOTE 4: EARNINGS PER SHARE Three Months Ended March 31, 2016 2015 (In Thousands, Except Per Share Data) Basic: Average shares outstanding 13,890 13,766 Net income available to common stockholders $9,793 $11,508 Per common share amount $0.71 $0.84 Diluted: Average shares outstanding 13,890 13,766 Net effect of dilutive stock options – based on the treasury stock method using average market price 128 167 Diluted shares 14,018 13,933 Net income available to common stockholders $9,793 $11,508 Per common share amount $0.70 $0.83 Options outstanding at March 31, 2016 and 2015, to purchase 127,100 and 10,500 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended March 31, 2016 and 2015, respectively.

Note 5_ Investment Securities

Note 5: Investment Securities	3 Months Ended
	Mar. 31, 2016
Notes
Note 5: Investment Securities	NOTE 5: INVESTMENT SECURITIES March 31, 2016 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: U.S. government agencies $20,000 $19 $— $20,019 2.00% Mortgage-backed securities 152,977 1,734 100 154,611 2.10 States and political subdivisions 66,345 5,360 — 71,705 5.68 Other securities 847 2,364 — 3,211 — $240,169 $9,477 $100 $249,546 3.07% December 31, 2015 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: U.S. government agencies $20,000 $— $219 $19,781 2.00% Mortgage-backed securities 159,777 2,038 601 161,214 2.09 States and political subdivisions 72,951 5,081 1 78,031 5.71 Other securities 847 2,983 — 3,830 — $253,575 $10,102 $821 $262,856 3.12% March 31, 2016 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) HELD-TO-MATURITY SECURITIES: States and political subdivisions $353 $29 $ $382 7.37% December 31, 2015 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) HELD-TO-MATURITY SECURITIES: States and political subdivisions $353 $31 $ $384 7.37% The amortized cost and fair value of available-for-sale securities at March 31, 2016, 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) One year or less $ — $ — After one through five years 623 647 After five through ten years 7,284 7,627 After ten years 78,438 83,450 Securities not due on a single maturity date 152,977 154,611 Other securities 847 3,211 $240,169 $249,546 The held-to-maturity securities at March 31, 2016, 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 $382 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 March 31, 2016 and December 31, 2015, respectively, was approximately $39.0 million and $76.0 million, which is approximately 15.6% and 28.9% of the Company’s combined available-for-sale and held-to-maturity investment portfolio, respectively. Based on an 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 at March 31, 2016. 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 March 31, 2016 and December 31, 2015: March 31, 2016 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) Mortgage-backed securities $35,197 $(62) $ 3,781 $ (38) $38,978 $(100) December 31, 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 $ (219) $ $ $20,000 $(219) Mortgage-backed securities 45,494 (348) 9,635 (253) 55,129 (601) State and political subdivisions — — 910 (1) 910 (1) $65,494 $(567) $10,545 $(254) $76,039 $(821) Gross gains of $91,000 and $0 and gross losses of $88,000 and $0 resulting from sales of available-for-sale securities were realized during the three months ended March 31, 2016 and 2015, respectively. Gains and losses on sales of securities are determined on the specific-identification method. Other-than-temporary Impairment. 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. Where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. 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 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 reviews and evaluations 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 non-agency 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 the three months ended March 31, 2016, no securities were determined to have impairment that had become other than temporary. Credit Losses Recognized on Investments. Amounts Reclassified Out of Accumulated Other Comprehensive Income. Amounts Reclassified from Other Comprehensive Income Affected Line Item in the Three Months Ended March 31, Statements of Income 2016 2015 (In Thousands) Unrealized gains on available- Net realized gains on available- for-sale securities $3 $— for-sale securities (Total reclassified amount before tax) Income Taxes (1) — Provision for income taxes Total reclassifications out of accumulated other comprehensive income $2 $—

Note 6_ Loans and Allowance For

Note 6: Loans and Allowance For Loan Losses	3 Months Ended
	Mar. 31, 2016
Notes
Note 6: Loans and Allowance For Loan Losses	NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES March 31, December 31, 2016 2015 (In Thousands) One- to four-family residential construction $27,807 $23,526 Subdivision construction 28,328 38,504 Land development 66,098 58,440 Commercial construction 629,846 600,794 Owner occupied one- to four-family residential 228,576 110,277 Non-owner occupied one- to four-family residential 148,461 149,874 Commercial real estate 1,048,180 1,043,474 Other residential 415,117 419,549 Commercial business 352,426 357,580 Industrial revenue bonds 36,407 37,362 Consumer auto 468,921 439,895 Consumer other 74,987 74,829 Home equity lines of credit 98,760 83,966 Acquired FDIC-covered loans, net of discounts 224,342 236,071 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 31,761 33,338 Acquired non-covered loans, net of discounts 88,218 93,436 3,968,235 3,800,915 Undisbursed portion of loans in process (400,421) (418,702) Allowance for loan losses (37,026) (38,149) Deferred loan fees and gains, net (3,208) (3,528) $3,527,580 $3,340,536 Weighted average interest rate 4.58% 4.56% Classes of loans by aging were as follows: March 31, 2016 Total Loans Past Due > 90 Days 30-59 Days 60-89 Days 90 Days Total Past Total Loans Past Due and Past Due Past Due or More Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $27,807 $27,807 $ — Subdivision construction — — 143 143 28,185 28,328 — Land development 42 429 106 577 65,521 66,098 — Commercial construction — — — — 629,846 629,846 — Owner occupied one- to four- family residential 1,129 90 892 2,111 226,465 228,576 33 Non-owner occupied one- to four-family residential 796 — 336 1,132 147,329 148,461 60 Commercial real estate 2,319 5,383 9 ,779 17,481 1,030,699 1,048,180 — Other residential — — — — 415,117 415,117 — Commercial business 76 51 181 308 352,118 352,426 — Industrial revenue bonds — — — — 36,407 36,407 — Consumer auto 2,293 480 918 3,691 465,230 468,921 — Consumer other 620 90 656 1,366 73,621 74,987 — Home equity lines of credit 1,091 40 337 1,468 97,292 98,760 4 Acquired FDIC-covered loans, net of discounts 8,068 217 10,451 18,736 205,606 224,342 172 Acquired loans no longer covered by loss sharing agreements, net of discounts 45 63 10 118 31,643 31,761 — Acquired non-covered loans, net of discounts 532 150 5,500 6,182 82,036 88,218 — 17,011 6,993 29,309 53,313 3,914,922 3,968,235 269 Less FDIC-supported loans, and acquired non-covered loans, net of discounts 8,645 430 15,961 25,036 319,285 344,321 172 Total $ 8,366 $ 6,563 $ 13,348 $ 28,277 $ 3,595,637 $ 3,623,914 $ 97 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 1,317 356,263 357,580 — 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 $ — Nonaccruing loans (excluding FDIC-supported loans, net of discount and acquired non-covered loans, net of discount) are summarized as follows: March 31, December 31, 2016 2015 (In Thousands) One- to four-family residential construction $ — $— Subdivision construction 143 — Land development 106 139 Commercial construction — — Owner occupied one- to four-family residential 859 715 Non-owner occupied one- to four-family residential 276 345 Commercial real estate 9,779 13,488 Other residential — — Commercial business 181 288 Industrial revenue bonds — — Consumer auto 918 721 Consumer other 656 576 Home equity lines of credit 333 297 Total $13,251 $16,569 The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2016. 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 March 31, 2016: 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, 2016 $4,900 $3,190 $14,738 $3,019 $4,203 $8,099 $38,149 Provision (benefit) charged to expense 51 (582) 1,288 129 (554) 1,769 2,101 Losses charged off (84) — (2,309) (30) (19) (1,737) (4,179) Recoveries 16 13 11 8 47 860 955 Balance March 31, 2016 $4,883 $2,621 $13,728 $3,126 $3,677 $8,991 $37,026 Ending balance: Individually evaluated for impairment $ 729 $— $1,900 $ 1,141 $ 1,120 $359 $ 5,249 Collectively evaluated for impairment $3,481 $ 2,532 $ 11,586 $1,915 $2,373 $8,435 $ 30,322 Loans acquired and accounted for under ASC 310-30 $673 $89 $242 $70 $184 $197 $1,455 Loans Individually evaluated for impairment $ 6,162 $9,472 $ 31,654 $ 7,496 $ 2,215 $ 2,340 $ 59,339 Collectively evaluated for impairment $ 427,010 $ 405,645 $ 1,016,526 $ 688,448 $ 386,618 $ 640,328 $3,564,575 Loans acquired and accounted for under ASC 310-30 $ 187,210 $ 35,608 $ 64,924 $ 5,436 $ 9,075 $ 42,068 $ 344,321 The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 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 556 (140) 385 (113) 467 145 1,300 Losses charged off (140) (3) (2) (197) (224) (1,147) (1,713) Recoveries 114 11 60 104 23 737 1,049 Balance March 31, 2015 $3,985 $2,809 $20,216 $3,356 $3,945 $4,760 $39,071 The following table presents 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 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 portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 6 as follows: · · · · · · 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 include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. Impaired loans (excluding FDIC-supported loans, net of discount and acquired non-covered loans, net of discount), are summarized as follows: At March 31, 2016 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $— $— $— Subdivision construction 1,014 1,014 209 Land development 7,496 7,586 1,141 Commercial construction — — — Owner occupied one- to four-family residential 5,148 5,718 520 Non-owner occupied one- to four-family residential — — — Commercial real estate 31,654 34,773 1,900 Other residential 9,472 9,472 — Commercial business 2,215 2,644 1,120 Industrial revenue bonds — — — Consumer auto 1,000 1,039 150 Consumer other 880 962 132 Home equity lines of credit 460 480 77 Total $59,339 $63,688 $5,249 For the Three Months Ended March 31, 2016 Average Investment in Interest Impaired Income Loans Recognized (In Thousands) One- to four-family residential construction $— $— Subdivision construction 1,049 7 Land development 7,506 69 Commercial construction — — Owner occupied one- to four-family residential 5,121 57 Non-owner occupied one- to four-family residential — — Commercial real estate 33,088 224 Other residential 9,496 98 Commercial business 2,230 24 Industrial revenue bonds — — Consumer auto 929 17 Consumer other 897 19 Home equity lines of credit 461 12 Total $60,777 $527 At December 31, 2015 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $— $— $— Subdivision construction 1,061 1,061 214 Land development 7,555 7,644 1,391 Commercial construction — — — Owner occupied one- to four-family residential 3,166 3,427 389 Non-owner occupied one- to four-family residential 1,902 2,138 128 Commercial real estate 34,629 37,259 2,556 Other residential 9,533 9,533 — Commercial business 2,365 2,539 1,115 Industrial revenue bonds — — — Consumer auto 791 829 119 Consumer other 802 885 120 Home equity lines of credit 357 374 61 Total $ 62,161 $ 65,689 $ 6,093 For the Year Ended December 31, 2015 Average Investment Interest in Impaired Income Loans Recognized (In Thousands) One- to four-family residential construction $633 $35 Subdivision construction 3,533 109 Land development 7,432 287 Commercial construction — — Owner occupied one- to four-family residential 3,587 179 Non-owner occupied one- to four-family residential 1,769 100 Commercial real estate 28,610 1,594 Other residential 9,670 378 Commercial business 2,268 138 Industrial revenue bonds — — Consumer auto 576 59 Consumer other 672 74 Home equity lines of credit 403 27 Total $ 59,153 $ 2,980 At March 31, 2015 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $853 $853 $— Subdivision construction 4,434 4,487 280 Land development 7,387 7,395 1,414 Commercial construction — — — Owner occupied one- to four-family residential 3,841 4,093 353 Non-owner occupied one- to four-family residential 1,809 2,021 74 Commercial real estate 26,644 27,979 2,271 Other residential 9,768 9,768 — Commercial business 2,270 2,345 686 Industrial revenue bonds — — — Consumer auto 446 501 67 Consumer other 546 693 82 Home equity lines of credit 416 440 72 Total $58,414 $60,575 $5,299 For the Three Months Ended March 31, 2015 Average Investment in Interest Impaired Income Loans Recognized (In Thousands) One- to four-family residential construction $971 $16 Subdivision construction 4,482 51 Land development 7,510 67 Commercial construction — — Owner occupied one- to four-family residential 3,984 61 Non-owner occupied one- to four-family residential 1,785 11 Commercial real estate 26,636 201 Other residential 9,780 111 Commercial business 2,469 113 Industrial revenue bonds — — Consumer auto 425 10 Consumer other 582 11 Home equity lines of credit 406 9 Total $59,030 $661 At March 31, 2016, $20.7 million of impaired loans had specific valuation allowances totaling $5.2 million. At December 31, 2015, $25.1 million of impaired loans had specific valuation allowances totaling $6.1 million. 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 the three months ended March 31, 2016 by type of modification: Three Months Ended March 31, 2016 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One -to four- family residential $429 $— $— $429 Commercial 60 — — 60 Construction and land development 2,946 — — 2,946 Consumer — 2 — 2 $ 3,435 $ 2 $ — $ 3,437 At March 31, 2016, the Company had $44.4 million of loans that were modified in troubled debt restructurings and impaired, as follows: $8.3 million of construction and land development loans, $13.5 million of single family and multi-family residential mortgage loans, $20.5 million of commercial real estate loans, $1.9 million of commercial business loans and $294,000 of consumer loans. Of the total troubled debt restructurings at March 31, 2016, $39.4 million were accruing interest and $13.2 million were classified as substandard using the Company’s internal grading system, which is described below. The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the three months ended March 31, 2016. 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, 2015, the Company had $45.0 million of loans that were modified in troubled debt restructurings and impaired, as follows: $7.9 million of construction and land development loans, $13.5 million of single family and multi-family residential mortgage loans, $21.3 million of commercial real estate loans, $2.0 million of commercial business loans and $311,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2015, $39.0 million were accruing interest and $12.2 million were classified as substandard using the Company’s internal grading system. During the three months ended March 31, 2016, loans designated as troubled debt restructurings totaling $20,000 met the criteria for placement back on accrual status. The $20,000 consisted of consumer loans. The criteria is generally a minimum of six months of payment performance under original or modified terms. 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 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 March 31, 2016 and December 31, 2015, 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 March 31, 2016 and December 31, 2015, respectively. See Note 7 for further discussion of the acquired loan pools and loss sharing agreements. 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. For interim periods, the Company uses three full years plus the interim period’s annualized average losses for the general component of the allowance for loan loss calculation. 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 average life of the loan, 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: March 31, 2016 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $27,097 $ — $ 710 $ — $ — $27,807 Subdivision construction 24,273 261 3,363 431 — 28,328 Land development 55,031 6,978 — 4,089 — 66,098 Commercial construction 629,846 — — — — 629,846 Owner occupied one- to four- family residential 226,786 511 — 1,279 — 228,576 Non-owner occupied one- to four- family residential 143,569 717 3,459 716 — 148,461 Commercial real estate 1,007,471 23,519 — 17,190 — 1,048,180 Other residential 404,801 8,384 — 1,932 — 415,117 Commercial business 350,273 1,366 433 354 — 352,426 Industrial revenue bonds 36,407 — — — — 36,407 Consumer auto 467,969 — — 952 — 468,921 Consumer other 74,247 — — 740 — 74,987 Home equity lines of credit 98,313 — — 447 — 98,760 Acquired FDIC-covered loans, net of discounts 224,330 — — 12 — 224,342 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 31,689 — — 72 — 31,761 Acquired non-covered loans, net of discounts 86,634 — — 1,584 — 88,218 Total $3,888,736 $41,736 $ 7,965 $29,798 $ — $3,968,235 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

Note 7_ FDIC Acquired Loans, Lo

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	3 Months Ended
	Mar. 31, 2016
Notes
Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	NOTE 7: FDIC ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS 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 shared 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 included 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 the Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five-year period ended March 31, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement was subject to the Bank following servicing procedures as specified in the agreement. 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. 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 shared 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 included 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 the Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five year period ended on September 30, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement was subject to the Bank following servicing procedures as specified in the agreement. 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. 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 were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC agreed to cover 80% of the losses on the loans (excluding approximately $4 million of consumer loans at the date of the acquisition) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement included 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 originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans but was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement was subject to the Bank following servicing procedures as specified in the agreement. 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. 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 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 on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during the three months ended March 31, 2016 was $98,000. The amount amortized to yield during the three months ended March 31, 2015 was $122,000. On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank (“Valley”), a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa. This transaction did not include a loss sharing agreement. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during the three months ended March 31, 2016 was $148,000. The amount amortized to yield during the three months ended March 31, 2015 was $218,000. Loss Sharing Agreements. The termination of the loss sharing agreements for the TeamBank, Vantus Bank and Sun Security Bank transactions will have no impact on the yields for the loans that were previously covered under these agreements. All future recoveries, gains, losses and expenses related to these previously covered assets will now be recognized entirely by Great Southern Bank since the FDIC will no longer be sharing in such gains or losses. Accordingly, the Company’s future earnings will be positively impacted to the extent the Company recognizes gains on any sales or recoveries in excess of the carrying value of such assets. Similarly, the Company’s future earnings will be negatively impacted to the extent the Company recognizes expenses, losses or charge-offs related to such assets. Fair Value and Expected Cash Flows. 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 three months ended March 31, 2016, increases in expected cash flows related to the acquired loan portfolios resulted in adjustments of $4.8 million, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. During the three months ended March 31, 2015, similar such adjustments totaling $7.3 million were made to the accretable yield. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements. During the three months ended March 31, 2016, this resulted in corresponding adjustments of $1.9 million 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. During the three months ended March 31, 2015, corresponding adjustments of $4.4 million were made to the indemnification assets. 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 $11.4 million and the remaining adjustment to the indemnification assets related to InterBank, including the effects of the clawback liability, that will affect non-interest income (expense) is $(5.6) million. The $11.4 million of accretable yield adjustment relates to Team Bank, Vantus Bank, Sun Security Bank and InterBank, and this income is not affected by the termination of the loss sharing agreements for Team Bank, Vantus Bank and Sun Security Bank. The expense, as noted, is only related to InterBank, as there is no longer, nor will there be in the future, indemnification asset amortization expense related to Team Bank, Vantus Bank, or Sun Security Bank due to the termination of the related loss sharing agreements in April 2016. Of the remaining adjustments, we expect to recognize $7.5 million of interest income and $(4.1) million of non-interest income (expense) during the remainder of 2016. Additional adjustments may be recorded in future periods from the FDIC-assisted transactions, as the Company continues to estimate expected cash flows from the acquired loan pools. The impact of adjustments on the Company’s financial results is shown below: Three Months Ended Three Months Ended March 31, 2016 March 31, 2015 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $5,382 56 bps $8,963 98 bps Non-interest income (2,934) (6,679) Net impact to pre-tax income $2,448 $2,284 Net impact net of taxes $1,559 $1,485 Impact to diluted earnings per common share $0.11 $0.11 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 applicable 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 March 31, 2016 and December 31, 2015, the Bank’s internal estimate of credit performance was expected to be better than the threshold set by the FDIC in the loss sharing agreement. Therefore, a separate clawback liability totaling $6.6 million and $6.6 million was recorded as of March 31, 2016 and December 31, 2015, 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 the three months ended March 31, 2016 was $2.1 million and is included in the impact on net interest income/net interest margin amount in the table above. Based on current estimates, we anticipate recording additional interest income accretion of $3.2 million in the remainder of 2016 related to these Valley Bank loans, which is included in the $7.5 million discussed above. TeamBank Loans, Foreclosed Assets and Indemnification Asset. March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $27,138 $— Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,153) — Original estimated fair value of assets, net of activity since acquisition date (25,815) — Expected loss remaining 170 — Assumed loss sharing recovery percentage 91% —% Estimated loss sharing value 154 — Indemnification asset to be amortized resulting from change in expected losses 206 — FDIC indemnification asset $360 $— 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 expected losses (net of accretion to date) (1,285) — 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% Estimated loss sharing value 154 — Indemnification asset to be amortized resulting from change in expected losses 241 — FDIC indemnification asset $395 $— Vantus Bank Loans, Foreclosed Assets and Indemnification Asset. March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $30,319 $608 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (397) — Original estimated fair value of assets, net of activity since acquisition date (29,666) (418) Expected loss remaining 256 190 Assumed loss sharing recovery percentage 61% —% Estimated loss sharing value (1) 156 — Indemnification asset to be amortized resulting from change in expected losses 265 — FDIC indemnification asset $421 $— (1) Includes $152,000 impairment of indemnification asset for foreclosed assets. Resolution of certain items related to commercial foreclosed assets did not occur prior to the expiration of the non-single-family loss sharing agreement for Vantus Bank on September 30, 2014. 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% —% Estimated loss sharing value 156 — Indemnification asset to be amortized resulting from change in expected losses 319 — FDIC indemnification asset $475 $— Sun Security Bank Loans, Foreclosed Assets and Indemnification Asset. March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $40,724 $564 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,810) — Original estimated fair value of assets, net of activity since acquisition date (37,764) (468) Expected loss remaining 1,150 96 Assumed loss sharing recovery percentage 27% 80% Estimated loss sharing value 316 77 Indemnification asset to be amortized resulting from change in expected losses (1) 850 — Accretable discount on FDIC indemnification asset (19) (63) FDIC indemnification asset $1,147 $14 (1) Includes $584,000 impairment of indemnification asset for loans related to the termination of the loss sharing agreements, which was completed in April 2016. 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% Estimated 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 InterBank Loans, Foreclosed Assets and Indemnification Asset. March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $183,242 $1,702 Non-credit premium/(discount), net of activity since acquisition date 804 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (4,465) — Original estimated fair value of assets, net of activity since acquisition date (162,856) (1,377) Expected loss remaining 16,725 325 Assumed loss sharing recovery percentage 83% 80% Estimated loss sharing value (1) 13,934 260 FDIC loss share clawback 2,037 — Indemnification asset to be amortized resulting from change in expected losses 3,572 — Accretable discount on FDIC indemnification asset (1,586) (33) FDIC indemnification asset $17,957 $227 (1) Includes $400,000 impairment of indemnification asset for loans December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $193,654 $2,110 Non-credit 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% Estimated 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 Valley Bank Loans and Foreclosed Assets. March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $102,480 $1,114 Non-credit premium/(discount), net of activity since acquisition date 571 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,609) — Original estimated fair value of assets, net of activity since acquisition date (88,218) (1,092) Expected loss remaining $11,224 $22 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $109,791 $1,017 Non-credit 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 Changes in the accretable yield for acquired loan pools were as follows for the three months ended March 31, 2016 and 2015: Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2015 $ 6,865 $ 4,453 $7,952 $ 36,092 $ 11,132 Accretion (1,401) (682) (1,953) (9,200) (2,503) Reclassification from nonaccretable yield (1) 485 760 1,401 4,916 2,458 Balance, March 31, 2015 $ 5,949 $ 4,531 $ 7,400 $ 31,808 $ 11,087 Balance January 1, 2016 $3 ,805 $ 3,360 $5,924 $ 16,347 $8 ,316 Accretion (480) (489) (1,072) (4,641) (3,146) Reclassification from nonaccretable yield (1) 161 365 471 2,849 3,062 Balance, March 31, 2016 $ 3,486 $ 3,236 $ 5,323 $ 14,555 $ 8,232 (1) 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 three months ended March 31, 2016, totaling $161,000, $365,000, $304,000, $690,000 and $612,000, respectively, and for the three months ended March 31, 2015, totaling $320,000, $374,000, $493,000, $929,000 and $608,000, respectively.

Note 8_ Other Real Estate Owned

Note 8: Other Real Estate Owned	3 Months Ended
	Mar. 31, 2016
Notes
Note 8: Other Real Estate Owned	NOTE 8: OTHER REAL ESTATE OWNED Major classifications of other real estate owned were as follows: March 31, December 31, 2016 2015 (In Thousands) Foreclosed assets held for sale One- to four-family construction $— $— Subdivision construction 6,821 7,016 Land development 11,477 12,133 Commercial construction — — One- to four-family residential 1,406 1,375 Other residential 1,962 2,150 Commercial real estate 6,534 3,608 Commercial business — — Consumer 1,449 1,109 29,649 27,391 FDIC-supported foreclosed assets, net of discounts 1,864 1,834 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 417 460 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts 1,091 995 Foreclosed assets held for sale, net 33,021 30,680 Other real estate owned not acquired through foreclosure 6,507 1,213 Other real estate owned $ 39,528 $ 31,893 Other real estate owned not acquired through foreclosure includes 20 properties, 19 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 three months ended March 31, 2016, 12 former branch locations were added to other real estate owned not acquired through foreclosure due to the closing of those branches in January of 2016, and one of those properties was subsequently sold during the period. See Note 15 for further information on the branch consolidations. At March 31, 2016, residential mortgage loans totaling $1.4 million were in the process of foreclosure, $1.2 million of which were acquired loans. Of the $1.2 million of acquired loans, $798,000 was covered by loss sharing agreements as of March 31, 2016 and $397,000 was acquired in the Valley Bank transaction. Expenses applicable to other real estate owned included the following: Three Months Ended March 31, 2016 2015 (In Thousands) Net (gain) loss on sales of other real estate owned $(98) $(125) Valuation write-downs 374 52 Operating expenses, net of rental income 635 458 $911 $385

Note 9_ Deposits

Note 9: Deposits	3 Months Ended
	Mar. 31, 2016
Notes
Note 9: Deposits	NOTE 9: DEPOSITS March 31, December 31, 2016 2015 (In Thousands) Time Deposits: 0.00% - 0.99% $794,458 $ 863,865 1.00% - 1.99% 482,430 381,956 2.00% - 2.99% 43,522 39,592 3.00% - 3.99% 587 1,137 4.00% - 4.99% 1,222 1,304 5.00% and above 272 293 Total time deposits (0.94% - 0.85%) 1,322,491 1,288,147 Non-interest-bearing demand deposits 615,468 571,629 Interest-bearing demand and savings deposits (0.25% - 0.24%) 1,530,740 1,408,850 Total Deposits $3,468,699 $3,268,626

Note 10_ Advances From Federal

Note 10: Advances From Federal Home Loan Bank	3 Months Ended
	Mar. 31, 2016
Notes
Note 10: Advances From Federal Home Loan Bank	NOTE 10: ADVANCES FROM FEDERAL HOME LOAN BANK Advances from the Federal Home Loan Bank (FHLBank advances) at March 31, 2016 and December 31, 2015 consisted of the following: March 31, 2016 December 31, 2015 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) (In Thousands) 2016 $53 5.14% $232,071 0.42% 2017 30,826 3.25 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 31,488 1.05 263,506 0.76 Unamortized fair value adjustment 35 40 $ 31,523 $ 263,546 Included in the Bank’s FHLBank advances at March 31, 2016 and December 31, 2015, 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.

Note 11_ Securities Sold Under

Note 11: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings	3 Months Ended
	Mar. 31, 2016
Notes
Note 11: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings	NOTE 11: SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS March 31, 2016 December 31, 2015 (In Thousands) Notes payable – Community Development Equity Funds $1,076 $1,295 Overnight borrowings from the Federal Home Loan Bank 215,200 — Securities sold under reverse repurchase agreements 135,097 116,182 $ 351,373 $ 117,477 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 term of one-month or less. The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity. March 31, 2016 December 31, 2015 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC 135,097 116,182

Note 12_ Income Taxes

Note 12: Income Taxes	3 Months Ended
	Mar. 31, 2016
Notes
Note 12: Income Taxes	NOTE 12: INCOME TAXES Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows: Three Months Ended March 31, 2016 2015 Tax at statutory rate 35.0% 35.0% Nontaxable interest and dividends (2.8) (2.9) Tax credits (8.7) (8.3) State taxes 1.1 1.1 Other 0.5 0.1 25.1% 25.0% 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 13_ Disclosures About Fair

Note 13: Disclosures About Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2016
Notes
Note 13: Disclosures About Fair Value of Financial Instruments	NOTE 13: 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, 2015 to March 31, 2016, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2016 and December 31, 2015: 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) March 31, 2016 U.S. government agencies $20,019 $— $20,019 $ Mortgage-backed securities 154,611 — 154,611 — States and political subdivisions 71,705 — 71,705 — Other securities 3,211 — — — Interest rate derivative asset 4,463 — 4,463 — Interest rate derivative liability (4,726) — (4,726) — 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 — Other securities 3,830 — — — Interest rate derivative asset 2,711 — 2,711 — Interest rate derivative liability (2,725) — (2,725) — 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 March 31, 2016 and December 31, 2015, 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 three-month period ended March 31, 2016. 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. Interest Rate Derivatives. Nonrecurring Measurements The following tables present the fair value measurements 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 March 31, 2016 and December 31, 2015: 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) March 31, 2016 Impaired loans $23,166 $— $— $23,166 Foreclosed assets held for sale $160 $ $ $160 December 31, 2015 Impaired loans $13,896 $— $— $13,896 Foreclosed assets held for sale $1,722 $ $ $1,722 The following is a description of 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. Impaired Loans. 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 of 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 three months ended March 31, 2016 or the year ended December 31, 2015, are shown in the table above (net of reserves). Foreclosed Assets Held for Sale. The following disclosure relates to financial assets for which it is not practicable for the Company to estimate the fair value at March 31, 2016 and December 31, 2015. FDIC Indemnification Asset 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 March 31, 2016 and December 31, 2015, the carrying value was $360,000 and $395,000, 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 March 31, 2016 and December 31, 2015, the carrying value of the FDIC indemnification asset was $421,000 and $475,000, 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 March 31, 2016 and December 31, 2015, the carrying value of the FDIC indemnification asset was $1.2 million and $2.2 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, 2013) and at March 31, 2016 and December 31, 2015, the carrying value of the FDIC indemnification asset was $18.2 million and $21.1 million, respectively. From the dates of acquisition, each of the four loss sharing agreements extend 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 four acquisitions on a quarterly or annual basis. The loss sharing agreements for TeamBank, Vantus Bank and Sun Security Bank were terminated on April 26, 2016, and the carrying value of the elated indemnification assets became $0. The termination of the loss sharing agreements is discussed in Note 7. 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. Loans and Interest Receivable. Deposits and Accrued Interest Payable. Federal Home Loan Bank Advances. Short-Term Borrowings. Subordinated Debentures Issued to Capital Trusts. Commitments to Originate Loans, Letters of Credit and Lines of Credit. The following table presents estimated fair values of the Company’s financial instruments not recorded at fair value on the statements of financial condition. 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. March 31, 2016 December 31, 2015 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $221,731 $221,731 1 $199,183 $199,183 1 Held-to-maturity securities 353 382 2 353 384 2 Mortgage loans held for sale 7,560 7,560 2 12,261 12,261 2 Loans, net of allowance for loan losses 3,527,580 3,540,366 3 3,340,536 3,355,924 3 Accrued interest receivable 11,335 11,335 3 10,930 10,930 3 Investment in FHLBank stock 14,804 14,804 3 15,303 15,303 3 Financial liabilities Deposits 3,468,699 3,472,921 3 3,268,626 3,271,318 3 FHLBank advances 31,523 33,134 3 263,546 264,331 3 Short-term borrowings 351,373 351,373 3 117,477 117,477 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Accrued interest payable 1,056 1,056 3 1,080 1,080 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 137 137 3 145 145 3 Lines of credit — — 3 — — 3

Note 14_ Derivatives and Hedgin

Note 14: Derivatives and Hedging Activities	3 Months Ended
	Mar. 31, 2016
Notes
Note 14: Derivatives and Hedging Activities	NOTE 14: 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 relationships. 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 $3.8 million at March 31, 2016. As of March 31, 2016, the Company had 29 interest rate swaps totaling $132.2 million in notional amount with commercial customers, and 29 interest rate swaps with the same notional amount with third parties related to its program. As of December 31, 2015, the Company had 28 interest rate swaps totaling $123.0 million in notional amount with commercial customers, and 28 interest rate swaps with the same notional amount with third parties related to its program. During the three months ended March 31, 2016 and 2015, the Company recognized net losses of $162,000 and $92,000, 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 Item 8, Financial Statements and Supplementary Information, in the Company’s December 31, 2015 Annual Report on Form 10-K for more information on the trust preferred securities transaction. The terminated agreement stated that the Company paid interest on its trust preferred debt in accordance with the original debt terms at a rate of 3-month LIBOR + 1.40%. Should interest rates have risen above a certain threshold, the counterparty would reimburse the Company for interest paid such that the Company would have an effective interest rate on that portion of its trust preferred securities no higher than 2.17%. 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 three months ended March 31, 2016 and 2015, the Company recognized $-0- in noninterest income related to changes in the fair value of these derivatives. During the three months ended March 31, 2016 and 2015, the Company recognized $40,000 and $15,000, respectively, in interest expense related to the amortization of the cost of these interest rate caps. 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 March 31, December 31, of Financial Condition 2016 2015 (In Thousands) Derivatives designated as hedging instruments Interest rate caps Prepaid expenses and other assets $ 41 $ 128 Total derivatives designated as hedging instruments $ 41 $ 128 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 4,422 $ 2,583 Total derivatives not designated as hedging instruments $ 4,422 $ 2,583 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 4,726 $ 2,725 Total derivatives not designated as hedging instruments $ 4,726 $ 2,725 The following table presents the effect of derivative instruments on the statements of comprehensive income for the three months ended March 31, 2016 and 2015: Amount of Gain (Loss) Recognized in AOCI Three Months Ended March 31, Cash Flow Hedges 2016 2015 (In Thousands) Interest rate cap, net of income taxes $ (30) $ (96) Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including 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 March 31, 2016, 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 $4.8 million. The Company has minimum collateral posting thresholds with its derivative counterparties. At March 31, 2016, the Company’s activity with its derivative counterparties had met the level in which the minimum collateral posting thresholds take effect and the Company had posted $5.8 million of collateral to satisfy the agreements. As of December 31, 2015, 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 $2.8 million. At December 31, 2015, the Company’s activity with its derivative counterparties had met the level in which the minimum collateral posting thresholds take effect and the Company had posted $4.5 million of collateral to satisfy the agreements. If the Company had breached any of these provisions at March 31, 2016 or December 31, 2015, it could have been required to settle its obligations under the agreements at the termination value.

Note 15_ Consolidation of Banki

Note 15: Consolidation of Banking Centers	3 Months Ended
	Mar. 31, 2016
Notes
Note 15: Consolidation of Banking Centers	NOTE 15: 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 separate definitive agreements to sell two of the 16 banking centers, including all of the associated deposits (totaling approximately $20 million), to separate bank purchasers. The sale of one of the banking centers was completed on February 19, 2016 and the sale of the other banking center was completed on March 18, 2016. The closing of the remaining 14 facilities, which resulted in the transfer of approximately $127 million in deposits and banking center operations to other Great Southern locations, occurred at the close of business on January 8, 2016.

Note 16_ Acquisition of Loans,

Note 16: Acquisition of Loans, Deposits and Branches	3 Months Ended
	Mar. 31, 2016
Notes
Note 16: Acquisition of Loans, Deposits and Branches	NOTE 16: 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 $229 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 $158 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. The Fifth Third banking centers presented an attractive franchise for the Company to acquire because it provided the opportunity for expansion in the Company’s existing St. Louis, Mo., market area through banking centers which, for the most part, held competitive market positions in transaction account deposits in desirable locations. We have successfully grown loans and deposits in the St. Louis market for a number of years and this addition should provide new or enhanced opportunities for loan and deposit growth. These new locations are in areas that enjoy significant business and consumer activity. The Company was also able to increase its loan portfolio as part of the transaction. The Company anticipates that this transaction will be accretive to earnings on a going-forward basis. The fair values of the assets acquired and liabilities assumed in the transaction were as follows: January 29, 2016 (In Thousands) Assets Cash and cash equivalents $44,363 Loans receivable 157,524 Premises and equipment 17,990 Accrued interest receivable 410 Core deposit intangible 4,424 Deferred income taxes 100 Total assets acquired 224,811 Liabilities Total deposits 228,528 Accrued interest payable 50 Advances from borrowers for taxes and insurance 403 Accounts payable and accrued expenses 20 Total liabilities assumed 228,598 Goodwill recognized on business acquisition $ 4,069 This acquisition was determined to constitute a business combination in accordance with FASB ASC 805. FASB ASC 805 allows a measurement period of up to one year to adjust initial fair value estimates as of the acquisition date. Therefore, provisional measurements of assets acquired and liabilities assumed were recorded on a preliminary basis at fair value on the date of acquisition, January 29, 2016. Based upon the preliminary acquisition date fair values of the net liabilities acquired, goodwill of $4.2 million was recorded. The goodwill will be deductible for tax purposes. Details related to the purchase accounting adjustments are as follows: January 29, 2016 (In Thousands) Deposit premium per Purchase and Assumption Agreement $(7,135) Purchase accounting adjustments Deposits (277) Loans (1,340) Deferred income taxes 100 Core deposit intangible 4,424 Goodwill recognized on business acquisition $ 4,228

Note 1_ Basis of Presentation_

Note 1: Basis of Presentation: Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies	The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations and cash flows of the Company for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three months ended March 31, 2016 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2015, has been derived from the audited consolidated statement of financial condition of the Company as of that date. Certain prior period amounts have been reclassified to conform to the current period presentation. These reclassifications had no effect on net income. Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K

Note 2_ Nature of Operations 25

Note 2: Nature of Operations and Operating Segments: Segment Reporting, Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Segment Reporting, Policy	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 through attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others

Note 4_ Earnings Per Share_ Ear

Note 4: Earnings Per Share: Earnings Per Share, Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Earnings Per Share, Policy	Options outstanding at March 31, 2016 and 2015, to purchase 127,100 and 10,500 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended March 31, 2016 and 2015, respectively.

Note 5_ Investment Securities_

Note 5: Investment Securities: Investment, Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Investment, Policy	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 March 31, 2016 and December 31, 2015, respectively, was approximately $39.0 million and $76.0 million, which is approximately 15.6% and 28.9% of the Company’s combined available-for-sale and held-to-maturity investment portfolio, respectively.

Note 6_ Loans and Allowance F28

Note 6: Loans and Allowance For Loan Losses: Loan Portfolio Credit Quality Internal Grading System Policy (Policies)	3 Months Ended
	Mar. 31, 2016
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 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 March 31, 2016 and December 31, 2015, 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 March 31, 2016 and December 31, 2015, respectively. See Note 7 for further discussion of the acquired loan pools and loss sharing agreements. 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. For interim periods, the Company uses three full years plus the interim period’s annualized average losses for the general component of the allowance for loan loss calculation. 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 average life of the loan, 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 7_ FDIC Acquired Loans, 29

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Policies)	3 Months Ended
	Mar. 31, 2016
TeamBank
Business Combinations Policy	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 shared 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 included 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 the Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five-year period ended March 31, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement was subject to the Bank following servicing procedures as specified in the agreement. 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.
Vantus Bank
Business Combinations Policy	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 shared 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 included 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 the Bank. This agreement originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans. The five year period ended on September 30, 2014 and the ten-year period was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement was subject to the Bank following servicing procedures as specified in the agreement. 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.
Sun Security Bank
Business Combinations Policy	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 were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC agreed to cover 80% of the losses on the loans (excluding approximately $4 million of consumer loans at the date of the acquisition) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement included 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 originally was to extend for ten years for 1-4 family real estate loans and for five years for other loans but was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. See “Loss Sharing Agreements” below. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement was subject to the Bank following servicing procedures as specified in the agreement. 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.
InterBank
Business Combinations Policy	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 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 on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during the three months ended March 31, 2016 was $98,000. The amount amortized to yield during the three months ended March 31, 2015 was $122,000.
Valley Bank
Business Combinations Policy	On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank (“Valley”), a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa. This transaction did not include a loss sharing agreement. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during the three months ended March 31, 2016 was $148,000. The amount amortized to yield during the three months ended March 31, 2015 was $218,000.

Note 7_ FDIC Acquired Loans, 30

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Loss Sharing Agreements Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Loss Sharing Agreements Policy	Loss Sharing Agreements. The termination of the loss sharing agreements for the TeamBank, Vantus Bank and Sun Security Bank transactions will have no impact on the yields for the loans that were previously covered under these agreements. All future recoveries, gains, losses and expenses related to these previously covered assets will now be recognized entirely by Great Southern Bank since the FDIC will no longer be sharing in such gains or losses. Accordingly, the Company’s future earnings will be positively impacted to the extent the Company recognizes gains on any sales or recoveries in excess of the carrying value of such assets. Similarly, the Company’s future earnings will be negatively impacted to the extent the Company recognizes expenses, losses or charge-offs related to such assets.

Note 7_ FDIC Acquired Loans, 31

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Business Acquisition Fair Value and Expected Cash Flows Policy	Fair Value and Expected Cash Flows. 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 three months ended March 31, 2016, increases in expected cash flows related to the acquired loan portfolios resulted in adjustments of $4.8 million, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. During the three months ended March 31, 2015, similar such adjustments totaling $7.3 million were made to the accretable yield. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements. During the three months ended March 31, 2016, this resulted in corresponding adjustments of $1.9 million 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. During the three months ended March 31, 2015, corresponding adjustments of $4.4 million were made to the indemnification assets. 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 $11.4 million and the remaining adjustment to the indemnification assets related to InterBank, including the effects of the clawback liability, that will affect non-interest income (expense) is $(5.6) million. The $11.4 million of accretable yield adjustment relates to Team Bank, Vantus Bank, Sun Security Bank and InterBank, and this income is not affected by the termination of the loss sharing agreements for Team Bank, Vantus Bank and Sun Security Bank. The expense, as noted, is only related to InterBank, as there is no longer, nor will there be in the future, indemnification asset amortization expense related to Team Bank, Vantus Bank, or Sun Security Bank due to the termination of the related loss sharing agreements in April 2016. Of the remaining adjustments, we expect to recognize $7.5 million of interest income and $(4.1) million of non-interest income (expense) during the remainder of 2016. Additional adjustments may be recorded in future periods from the FDIC-assisted transactions, as the Company continues to estimate expected cash flows from the acquired loan pools.

Note 7_ FDIC Acquired Loans, 32

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy (Policies)	3 Months Ended
	Mar. 31, 2016
TeamBank
FDIC Indemnification Asset Policy	TeamBank Loans, Foreclosed Assets and Indemnification Asset.
Vantus Bank
FDIC Indemnification Asset Policy	Vantus Bank Loans, Foreclosed Assets and Indemnification Asset.
Sun Security Bank
FDIC Indemnification Asset Policy	Sun Security Bank Loans, Foreclosed Assets and Indemnification Asset.
InterBank
FDIC Indemnification Asset Policy	InterBank Loans, Foreclosed Assets and Indemnification Asset.
Valley Bank
FDIC Indemnification Asset Policy	Valley Bank Loans and Foreclosed Assets.

Note 10_ Advances From Federa33

Note 10: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Federal Home Loan Bank, Advances	Included in the Bank’s FHLBank advances at March 31, 2016 and December 31, 2015, 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.

Note 12_ Income Taxes_ Income T

Note 12: Income Taxes: Income Tax, Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Income Tax, Policy	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 13_ Disclosures About Fa35

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Measurement, Policy	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, 2015 to March 31, 2016, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2016 and December 31, 2015: 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) March 31, 2016 U.S. government agencies $20,019 $— $20,019 $ Mortgage-backed securities 154,611 — 154,611 — States and political subdivisions 71,705 — 71,705 — Other securities 3,211 — — — Interest rate derivative asset 4,463 — 4,463 — Interest rate derivative liability (4,726) — (4,726) — 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 — Other securities 3,830 — — — Interest rate derivative asset 2,711 — 2,711 — Interest rate derivative liability (2,725) — (2,725) — 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 March 31, 2016 and December 31, 2015, 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 three-month period ended March 31, 2016. 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. Interest Rate Derivatives. Nonrecurring Measurements The following tables present the fair value measurements 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 March 31, 2016 and December 31, 2015: 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) March 31, 2016 Impaired loans $23,166 $— $— $23,166 Foreclosed assets held for sale $160 $ $ $160 December 31, 2015 Impaired loans $13,896 $— $— $13,896 Foreclosed assets held for sale $1,722 $ $ $1,722

Note 13_ Disclosures About Fa36

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Loans Held for Sale Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Loans Held for Sale Policy	Loans Held for Sale.

Note 13_ Disclosures About Fa37

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Impaired Loans Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Impaired Loans Policy	Impaired Loans. 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 of 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 three months ended March 31, 2016 or the year ended December 31, 2015, are shown in the table above (net of reserves).

Note 13_ Disclosures About Fa38

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Foreclosed Assets Held for Sale Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Foreclosed Assets Held for Sale Policy	Foreclosed Assets Held for Sale. The following disclosure relates to financial assets for which it is not practicable for the Company to estimate the fair value at March 31, 2016 and December 31, 2015.

Note 13_ Disclosures About Fa39

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value FDIC Indemnification Asset Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value FDIC Indemnification Asset Policy	FDIC Indemnification Asset 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 March 31, 2016 and December 31, 2015, the carrying value was $360,000 and $395,000, 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 March 31, 2016 and December 31, 2015, the carrying value of the FDIC indemnification asset was $421,000 and $475,000, 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 March 31, 2016 and December 31, 2015, the carrying value of the FDIC indemnification asset was $1.2 million and $2.2 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, 2013) and at March 31, 2016 and December 31, 2015, the carrying value of the FDIC indemnification asset was $18.2 million and $21.1 million, respectively. From the dates of acquisition, each of the four loss sharing agreements extend 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 four acquisitions on a quarterly or annual basis. The loss sharing agreements for TeamBank, Vantus Bank and Sun Security Bank were terminated on April 26, 2016, and the carrying value of the elated indemnification assets became $0. The termination of the loss sharing agreements is discussed in Note 7.

Note 13_ Disclosures About Fa40

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value of Financial Instruments Policy (Policies)	3 Months Ended
	Mar. 31, 2016
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 13_ Disclosures About Fa41

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Cash and Cash Equivalents and Federal Home Loan Bank Stock Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Cash and Cash Equivalents and Federal Home Loan Bank Stock Policy	Cash and Cash Equivalents and Federal Home Loan Bank Stock.

Note 13_ Disclosures About Fa42

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Loans and Interest Receivable Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Loans and Interest Receivable Policy	Loans and Interest Receivable.

Note 13_ Disclosures About Fa43

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Deposits and Accrued Interest Payable Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Deposits and Accrued Interest Payable Policy	Deposits and Accrued Interest Payable.

Note 13_ Disclosures About Fa44

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Federal home Loan Bank Advances Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Federal home Loan Bank Advances Policy	Federal Home Loan Bank Advances.

Note 13_ Disclosures About Fa45

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Short-Term Borrowings Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Short-Term Borrowings Policy	Short-Term Borrowings.

Note 13_ Disclosures About Fa46

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Subordinated Debentures Policy (Policies)	3 Months Ended
	Mar. 31, 2016
Policies
Fair Value Subordinated Debentures Policy	Subordinated Debentures Issued to Capital Trusts.

Note 13_ Disclosures About Fa47

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy (Policies)	3 Months Ended
	Mar. 31, 2016
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.

Note 4_ Earnings Per Share_ Sch

Note 4: Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	Three Months Ended March 31, 2016 2015 (In Thousands, Except Per Share Data) Basic: Average shares outstanding 13,890 13,766 Net income available to common stockholders $9,793 $11,508 Per common share amount $0.71 $0.84 Diluted: Average shares outstanding 13,890 13,766 Net effect of dilutive stock options – based on the treasury stock method using average market price 128 167 Diluted shares 14,018 13,933 Net income available to common stockholders $9,793 $11,508 Per common share amount $0.70 $0.83

Note 5_ Investment Securities49

Note 5: Investment Securities: Schedule of Available-for-sale Securities Reconciliation (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Available-for-sale Securities Reconciliation	March 31, 2016 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: U.S. government agencies $20,000 $19 $— $20,019 2.00% Mortgage-backed securities 152,977 1,734 100 154,611 2.10 States and political subdivisions 66,345 5,360 — 71,705 5.68 Other securities 847 2,364 — 3,211 — $240,169 $9,477 $100 $249,546 3.07% December 31, 2015 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: U.S. government agencies $20,000 $— $219 $19,781 2.00% Mortgage-backed securities 159,777 2,038 601 161,214 2.09 States and political subdivisions 72,951 5,081 1 78,031 5.71 Other securities 847 2,983 — 3,830 — $253,575 $10,102 $821 $262,856 3.12%

Note 5_ Investment Securities50

Note 5: Investment Securities: Schedule of Held-to-maturity Securities (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Held-to-maturity Securities	March 31, 2016 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) HELD-TO-MATURITY SECURITIES: States and political subdivisions $353 $29 $ $382 7.37% December 31, 2015 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) HELD-TO-MATURITY SECURITIES: States and political subdivisions $353 $31 $ $384 7.37%

Note 5_ Investment Securities51

Note 5: Investment Securities: Investments Classified by Contractual Maturity Date (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of available-for-sale securities at March 31, 2016, 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) One year or less $ — $ — After one through five years 623 647 After five through ten years 7,284 7,627 After ten years 78,438 83,450 Securities not due on a single maturity date 152,977 154,611 Other securities 847 3,211 $240,169 $249,546

Note 5_ Investment Securities52

Note 5: Investment Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Contractual Obligation, Fiscal Year Maturity Schedule	The held-to-maturity securities at March 31, 2016, 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 $382

Note 5_ Investment Securities53

Note 5: Investment Securities: Unrealized Gain (Loss) on Investments (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Unrealized Gain (Loss) on Investments	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 March 31, 2016 and December 31, 2015: March 31, 2016 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) Mortgage-backed securities $35,197 $(62) $ 3,781 $ (38) $38,978 $(100) December 31, 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 $ (219) $ $ $20,000 $(219) Mortgage-backed securities 45,494 (348) 9,635 (253) 55,129 (601) State and political subdivisions — — 910 (1) 910 (1) $65,494 $(567) $10,545 $(254) $76,039 $(821)

Note 5_ Investment Securities54

Note 5: Investment Securities: Other Than Temporary Impairment Credit Losses Recognized in Earnings (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Other Than Temporary Impairment Credit Losses Recognized in Earnings	Amounts Reclassified Out of Accumulated Other Comprehensive Income. Amounts Reclassified from Other Comprehensive Income Affected Line Item in the Three Months Ended March 31, Statements of Income 2016 2015 (In Thousands) Unrealized gains on available- Net realized gains on available- for-sale securities $3 $— for-sale securities (Total reclassified amount before tax) Income Taxes (1) — Provision for income taxes Total reclassifications out of accumulated other comprehensive income $2 $—

Note 6_ Loans and Allowance F55

Note 6: Loans and Allowance For Loan Losses: Schedule of Loans (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Loans	March 31, December 31, 2016 2015 (In Thousands) One- to four-family residential construction $27,807 $23,526 Subdivision construction 28,328 38,504 Land development 66,098 58,440 Commercial construction 629,846 600,794 Owner occupied one- to four-family residential 228,576 110,277 Non-owner occupied one- to four-family residential 148,461 149,874 Commercial real estate 1,048,180 1,043,474 Other residential 415,117 419,549 Commercial business 352,426 357,580 Industrial revenue bonds 36,407 37,362 Consumer auto 468,921 439,895 Consumer other 74,987 74,829 Home equity lines of credit 98,760 83,966 Acquired FDIC-covered loans, net of discounts 224,342 236,071 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 31,761 33,338 Acquired non-covered loans, net of discounts 88,218 93,436 3,968,235 3,800,915 Undisbursed portion of loans in process (400,421) (418,702) Allowance for loan losses (37,026) (38,149) Deferred loan fees and gains, net (3,208) (3,528) $3,527,580 $3,340,536 Weighted average interest rate 4.58% 4.56%

Note 6_ Loans and Allowance F56

Note 6: Loans and Allowance For Loan Losses: Schedule of Loans Classified by Aging Analysis (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Loans Classified by Aging Analysis	Classes of loans by aging were as follows: March 31, 2016 Total Loans Past Due > 90 Days 30-59 Days 60-89 Days 90 Days Total Past Total Loans Past Due and Past Due Past Due or More Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $27,807 $27,807 $ — Subdivision construction — — 143 143 28,185 28,328 — Land development 42 429 106 577 65,521 66,098 — Commercial construction — — — — 629,846 629,846 — Owner occupied one- to four- family residential 1,129 90 892 2,111 226,465 228,576 33 Non-owner occupied one- to four-family residential 796 — 336 1,132 147,329 148,461 60 Commercial real estate 2,319 5,383 9 ,779 17,481 1,030,699 1,048,180 — Other residential — — — — 415,117 415,117 — Commercial business 76 51 181 308 352,118 352,426 — Industrial revenue bonds — — — — 36,407 36,407 — Consumer auto 2,293 480 918 3,691 465,230 468,921 — Consumer other 620 90 656 1,366 73,621 74,987 — Home equity lines of credit 1,091 40 337 1,468 97,292 98,760 4 Acquired FDIC-covered loans, net of discounts 8,068 217 10,451 18,736 205,606 224,342 172 Acquired loans no longer covered by loss sharing agreements, net of discounts 45 63 10 118 31,643 31,761 — Acquired non-covered loans, net of discounts 532 150 5,500 6,182 82,036 88,218 — 17,011 6,993 29,309 53,313 3,914,922 3,968,235 269 Less FDIC-supported loans, and acquired non-covered loans, net of discounts 8,645 430 15,961 25,036 319,285 344,321 172 Total $ 8,366 $ 6,563 $ 13,348 $ 28,277 $ 3,595,637 $ 3,623,914 $ 97 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 1,317 356,263 357,580 — 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 $ —

Note 6_ Loans and Allowance F57

Note 6: Loans and Allowance For Loan Losses: Schedule of Financing Receivables NonAccrual Status (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Financing Receivables NonAccrual Status	Nonaccruing loans (excluding FDIC-supported loans, net of discount and acquired non-covered loans, net of discount) are summarized as follows: March 31, December 31, 2016 2015 (In Thousands) One- to four-family residential construction $ — $— Subdivision construction 143 — Land development 106 139 Commercial construction — — Owner occupied one- to four-family residential 859 715 Non-owner occupied one- to four-family residential 276 345 Commercial real estate 9,779 13,488 Other residential — — Commercial business 181 288 Industrial revenue bonds — — Consumer auto 918 721 Consumer other 656 576 Home equity lines of credit 333 297 Total $13,251 $16,569

Note 6_ Loans and Allowance F58

Note 6: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Tables)	3 Months Ended
	Mar. 31, 2016
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 three months ended March 31, 2016. 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 March 31, 2016: 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, 2016 $4,900 $3,190 $14,738 $3,019 $4,203 $8,099 $38,149 Provision (benefit) charged to expense 51 (582) 1,288 129 (554) 1,769 2,101 Losses charged off (84) — (2,309) (30) (19) (1,737) (4,179) Recoveries 16 13 11 8 47 860 955 Balance March 31, 2016 $4,883 $2,621 $13,728 $3,126 $3,677 $8,991 $37,026 Ending balance: Individually evaluated for impairment $ 729 $— $1,900 $ 1,141 $ 1,120 $359 $ 5,249 Collectively evaluated for impairment $3,481 $ 2,532 $ 11,586 $1,915 $2,373 $8,435 $ 30,322 Loans acquired and accounted for under ASC 310-30 $673 $89 $242 $70 $184 $197 $1,455 Loans Individually evaluated for impairment $ 6,162 $9,472 $ 31,654 $ 7,496 $ 2,215 $ 2,340 $ 59,339 Collectively evaluated for impairment $ 427,010 $ 405,645 $ 1,016,526 $ 688,448 $ 386,618 $ 640,328 $3,564,575 Loans acquired and accounted for under ASC 310-30 $ 187,210 $ 35,608 $ 64,924 $ 5,436 $ 9,075 $ 42,068 $ 344,321 The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 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 556 (140) 385 (113) 467 145 1,300 Losses charged off (140) (3) (2) (197) (224) (1,147) (1,713) Recoveries 114 11 60 104 23 737 1,049 Balance March 31, 2015 $3,985 $2,809 $20,216 $3,356 $3,945 $4,760 $39,071 The following table presents 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 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

Note 6_ Loans and Allowance F59

Note 6: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Impaired Financing Receivables	Impaired loans (excluding FDIC-supported loans, net of discount and acquired non-covered loans, net of discount), are summarized as follows: At March 31, 2016 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $— $— $— Subdivision construction 1,014 1,014 209 Land development 7,496 7,586 1,141 Commercial construction — — — Owner occupied one- to four-family residential 5,148 5,718 520 Non-owner occupied one- to four-family residential — — — Commercial real estate 31,654 34,773 1,900 Other residential 9,472 9,472 — Commercial business 2,215 2,644 1,120 Industrial revenue bonds — — — Consumer auto 1,000 1,039 150 Consumer other 880 962 132 Home equity lines of credit 460 480 77 Total $59,339 $63,688 $5,249 For the Three Months Ended March 31, 2016 Average Investment in Interest Impaired Income Loans Recognized (In Thousands) One- to four-family residential construction $— $— Subdivision construction 1,049 7 Land development 7,506 69 Commercial construction — — Owner occupied one- to four-family residential 5,121 57 Non-owner occupied one- to four-family residential — — Commercial real estate 33,088 224 Other residential 9,496 98 Commercial business 2,230 24 Industrial revenue bonds — — Consumer auto 929 17 Consumer other 897 19 Home equity lines of credit 461 12 Total $60,777 $527 At December 31, 2015 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $— $— $— Subdivision construction 1,061 1,061 214 Land development 7,555 7,644 1,391 Commercial construction — — — Owner occupied one- to four-family residential 3,166 3,427 389 Non-owner occupied one- to four-family residential 1,902 2,138 128 Commercial real estate 34,629 37,259 2,556 Other residential 9,533 9,533 — Commercial business 2,365 2,539 1,115 Industrial revenue bonds — — — Consumer auto 791 829 119 Consumer other 802 885 120 Home equity lines of credit 357 374 61 Total $ 62,161 $ 65,689 $ 6,093 For the Year Ended December 31, 2015 Average Investment Interest in Impaired Income Loans Recognized (In Thousands) One- to four-family residential construction $633 $35 Subdivision construction 3,533 109 Land development 7,432 287 Commercial construction — — Owner occupied one- to four-family residential 3,587 179 Non-owner occupied one- to four-family residential 1,769 100 Commercial real estate 28,610 1,594 Other residential 9,670 378 Commercial business 2,268 138 Industrial revenue bonds — — Consumer auto 576 59 Consumer other 672 74 Home equity lines of credit 403 27 Total $ 59,153 $ 2,980 At March 31, 2015 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $853 $853 $— Subdivision construction 4,434 4,487 280 Land development 7,387 7,395 1,414 Commercial construction — — — Owner occupied one- to four-family residential 3,841 4,093 353 Non-owner occupied one- to four-family residential 1,809 2,021 74 Commercial real estate 26,644 27,979 2,271 Other residential 9,768 9,768 — Commercial business 2,270 2,345 686 Industrial revenue bonds — — — Consumer auto 446 501 67 Consumer other 546 693 82 Home equity lines of credit 416 440 72 Total $58,414 $60,575 $5,299 For the Three Months Ended March 31, 2015 Average Investment in Interest Impaired Income Loans Recognized (In Thousands) One- to four-family residential construction $971 $16 Subdivision construction 4,482 51 Land development 7,510 67 Commercial construction — — Owner occupied one- to four-family residential 3,984 61 Non-owner occupied one- to four-family residential 1,785 11 Commercial real estate 26,636 201 Other residential 9,780 111 Commercial business 2,469 113 Industrial revenue bonds — — Consumer auto 425 10 Consumer other 582 11 Home equity lines of credit 406 9 Total $59,030 $661

Note 6_ Loans and Allowance F60

Note 6: Loans and Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Troubled Debt Restructurings on Financing Receivables	The following table presents newly restructured loans during the three months ended March 31, 2016 by type of modification: Three Months Ended March 31, 2016 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One -to four- family residential $429 $— $— $429 Commercial 60 — — 60 Construction and land development 2,946 — — 2,946 Consumer — 2 — 2 $ 3,435 $ 2 $ — $ 3,437

Note 6_ Loans and Allowance F61

Note 6: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Financing Receivable Credit Quality Indicators	The loan grading system is presented by loan class below: March 31, 2016 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $27,097 $ — $ 710 $ — $ — $27,807 Subdivision construction 24,273 261 3,363 431 — 28,328 Land development 55,031 6,978 — 4,089 — 66,098 Commercial construction 629,846 — — — — 629,846 Owner occupied one- to four- family residential 226,786 511 — 1,279 — 228,576 Non-owner occupied one- to four- family residential 143,569 717 3,459 716 — 148,461 Commercial real estate 1,007,471 23,519 — 17,190 — 1,048,180 Other residential 404,801 8,384 — 1,932 — 415,117 Commercial business 350,273 1,366 433 354 — 352,426 Industrial revenue bonds 36,407 — — — — 36,407 Consumer auto 467,969 — — 952 — 468,921 Consumer other 74,247 — — 740 — 74,987 Home equity lines of credit 98,313 — — 447 — 98,760 Acquired FDIC-covered loans, net of discounts 224,330 — — 12 — 224,342 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 31,689 — — 72 — 31,761 Acquired non-covered loans, net of discounts 86,634 — — 1,584 — 88,218 Total $3,888,736 $41,736 $ 7,965 $29,798 $ — $3,968,235 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

Note 7_ FDIC Acquired Loans, 62

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Impact of Adjustments of Acquired Loans on Financial Results	The impact of adjustments on the Company’s financial results is shown below: Three Months Ended Three Months Ended March 31, 2016 March 31, 2015 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $5,382 56 bps $8,963 98 bps Non-interest income (2,934) (6,679) Net impact to pre-tax income $2,448 $2,284 Net impact net of taxes $1,559 $1,485 Impact to diluted earnings per common share $0.11 $0.11

Note 7_ FDIC Acquired Loans, 63

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Tables)	3 Months Ended
	Mar. 31, 2016
TeamBank
FDIC Indemnification Asset Roll Forward	March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $27,138 $— Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,153) — Original estimated fair value of assets, net of activity since acquisition date (25,815) — Expected loss remaining 170 — Assumed loss sharing recovery percentage 91% —% Estimated loss sharing value 154 — Indemnification asset to be amortized resulting from change in expected losses 206 — FDIC indemnification asset $360 $— 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 expected losses (net of accretion to date) (1,285) — 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% Estimated loss sharing value 154 — Indemnification asset to be amortized resulting from change in expected losses 241 — FDIC indemnification asset $395 $—
Vantus Bank
FDIC Indemnification Asset Roll Forward	March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $30,319 $608 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (397) — Original estimated fair value of assets, net of activity since acquisition date (29,666) (418) Expected loss remaining 256 190 Assumed loss sharing recovery percentage 61% —% Estimated loss sharing value (1) 156 — Indemnification asset to be amortized resulting from change in expected losses 265 — FDIC indemnification asset $421 $— (1) Includes $152,000 impairment of indemnification asset for foreclosed assets. Resolution of certain items related to commercial foreclosed assets did not occur prior to the expiration of the non-single-family loss sharing agreement for Vantus Bank on September 30, 2014. 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% —% Estimated loss sharing value 156 — Indemnification asset to be amortized resulting from change in expected losses 319 — FDIC indemnification asset $475 $—
Sun Security Bank
FDIC Indemnification Asset Roll Forward	March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $40,724 $564 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,810) — Original estimated fair value of assets, net of activity since acquisition date (37,764) (468) Expected loss remaining 1,150 96 Assumed loss sharing recovery percentage 27% 80% Estimated loss sharing value 316 77 Indemnification asset to be amortized resulting from change in expected losses (1) 850 — Accretable discount on FDIC indemnification asset (19) (63) FDIC indemnification asset $1,147 $14 (1) Includes $584,000 impairment of indemnification asset for loans related to the termination of the loss sharing agreements, which was completed in April 2016. 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% Estimated 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
InterBank
FDIC Indemnification Asset Roll Forward	March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $183,242 $1,702 Non-credit premium/(discount), net of activity since acquisition date 804 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (4,465) — Original estimated fair value of assets, net of activity since acquisition date (162,856) (1,377) Expected loss remaining 16,725 325 Assumed loss sharing recovery percentage 83% 80% Estimated loss sharing value (1) 13,934 260 FDIC loss share clawback 2,037 — Indemnification asset to be amortized resulting from change in expected losses 3,572 — Accretable discount on FDIC indemnification asset (1,586) (33) FDIC indemnification asset $17,957 $227 (1) Includes $400,000 impairment of indemnification asset for loans December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $193,654 $2,110 Non-credit 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% Estimated 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
Valley Bank
FDIC Indemnification Asset Roll Forward	March 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $102,480 $1,114 Non-credit premium/(discount), net of activity since acquisition date 571 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,609) — Original estimated fair value of assets, net of activity since acquisition date (88,218) (1,092) Expected loss remaining $11,224 $22 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $109,791 $1,017 Non-credit 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

Note 7_ FDIC Acquired Loans, 64

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Accretable Yield Changes for Acquired Loans (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Accretable Yield Changes for Acquired Loans	Changes in the accretable yield for acquired loan pools were as follows for the three months ended March 31, 2016 and 2015: Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2015 $ 6,865 $ 4,453 $7,952 $ 36,092 $ 11,132 Accretion (1,401) (682) (1,953) (9,200) (2,503) Reclassification from nonaccretable yield (1) 485 760 1,401 4,916 2,458 Balance, March 31, 2015 $ 5,949 $ 4,531 $ 7,400 $ 31,808 $ 11,087 Balance January 1, 2016 $3 ,805 $ 3,360 $5,924 $ 16,347 $8 ,316 Accretion (480) (489) (1,072) (4,641) (3,146) Reclassification from nonaccretable yield (1) 161 365 471 2,849 3,062 Balance, March 31, 2016 $ 3,486 $ 3,236 $ 5,323 $ 14,555 $ 8,232 (1) 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 three months ended March 31, 2016, totaling $161,000, $365,000, $304,000, $690,000 and $612,000, respectively, and for the three months ended March 31, 2015, totaling $320,000, $374,000, $493,000, $929,000 and $608,000, respectively.

Note 8_ Other Real Estate Own65

Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Major Classifications of Foreclosed Assets	Major classifications of other real estate owned were as follows: March 31, December 31, 2016 2015 (In Thousands) Foreclosed assets held for sale One- to four-family construction $— $— Subdivision construction 6,821 7,016 Land development 11,477 12,133 Commercial construction — — One- to four-family residential 1,406 1,375 Other residential 1,962 2,150 Commercial real estate 6,534 3,608 Commercial business — — Consumer 1,449 1,109 29,649 27,391 FDIC-supported foreclosed assets, net of discounts 1,864 1,834 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 417 460 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts 1,091 995 Foreclosed assets held for sale, net 33,021 30,680 Other real estate owned not acquired through foreclosure 6,507 1,213 Other real estate owned $ 39,528 $ 31,893

Note 8_ Other Real Estate Own66

Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Expenses Applicable to Foreclosed Assets	Expenses applicable to other real estate owned included the following: Three Months Ended March 31, 2016 2015 (In Thousands) Net (gain) loss on sales of other real estate owned $(98) $(125) Valuation write-downs 374 52 Operating expenses, net of rental income 635 458 $911 $385

Note 9_ Deposits_ Schedule of D

Note 9: Deposits: Schedule of Deposit Liabilities (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Deposit Liabilities	March 31, December 31, 2016 2015 (In Thousands) Time Deposits: 0.00% - 0.99% $794,458 $ 863,865 1.00% - 1.99% 482,430 381,956 2.00% - 2.99% 43,522 39,592 3.00% - 3.99% 587 1,137 4.00% - 4.99% 1,222 1,304 5.00% and above 272 293 Total time deposits (0.94% - 0.85%) 1,322,491 1,288,147 Non-interest-bearing demand deposits 615,468 571,629 Interest-bearing demand and savings deposits (0.25% - 0.24%) 1,530,740 1,408,850 Total Deposits $3,468,699 $3,268,626

Note 10_ Advances From Federa68

Note 10: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Federal Home Loan Bank, Advances	Advances from the Federal Home Loan Bank (FHLBank advances) at March 31, 2016 and December 31, 2015 consisted of the following: March 31, 2016 December 31, 2015 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) (In Thousands) 2016 $53 5.14% $232,071 0.42% 2017 30,826 3.25 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 31,488 1.05 263,506 0.76 Unamortized fair value adjustment 35 40 $ 31,523 $ 263,546

Note 11_ Securities Sold Unde69

Note 11: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Short-term Debt	March 31, 2016 December 31, 2015 (In Thousands) Notes payable – Community Development Equity Funds $1,076 $1,295 Overnight borrowings from the Federal Home Loan Bank 215,200 — Securities sold under reverse repurchase agreements 135,097 116,182 $ 351,373 $ 117,477

Note 11_ Securities Sold Unde70

Note 11: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Tables)	3 Months Ended
	Mar. 31, 2016
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. March 31, 2016 December 31, 2015 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC 135,097 116,182

Note 12_ Income Taxes_ Schedule

Note 12: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Effective Income Tax Rate Reconciliation	Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows: Three Months Ended March 31, 2016 2015 Tax at statutory rate 35.0% 35.0% Nontaxable interest and dividends (2.8) (2.9) Tax credits (8.7) (8.3) State taxes 1.1 1.1 Other 0.5 0.1 25.1% 25.0%

Note 13_ Disclosures About Fa72

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy: Fair Value, Assets Measured on Recurring Basis (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Fair Value, Assets Measured on Recurring Basis	The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March 31, 2016 and December 31, 2015: 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) March 31, 2016 U.S. government agencies $20,019 $— $20,019 $ Mortgage-backed securities 154,611 — 154,611 — States and political subdivisions 71,705 — 71,705 — Other securities 3,211 — — — Interest rate derivative asset 4,463 — 4,463 — Interest rate derivative liability (4,726) — (4,726) — 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 — Other securities 3,830 — — — Interest rate derivative asset 2,711 — 2,711 — Interest rate derivative liability (2,725) — (2,725) —

Note 13_ Disclosures About Fa73

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	The following tables present the fair value measurements 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 March 31, 2016 and December 31, 2015: 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) March 31, 2016 Impaired loans $23,166 $— $— $23,166 Foreclosed assets held for sale $160 $ $ $160 December 31, 2015 Impaired loans $13,896 $— $— $13,896 Foreclosed assets held for sale $1,722 $ $ $1,722

Note 13_ Disclosures About Fa74

Note 13: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule Of Financial Instruments Fair Value	March 31, 2016 December 31, 2015 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $221,731 $221,731 1 $199,183 $199,183 1 Held-to-maturity securities 353 382 2 353 384 2 Mortgage loans held for sale 7,560 7,560 2 12,261 12,261 2 Loans, net of allowance for loan losses 3,527,580 3,540,366 3 3,340,536 3,355,924 3 Accrued interest receivable 11,335 11,335 3 10,930 10,930 3 Investment in FHLBank stock 14,804 14,804 3 15,303 15,303 3 Financial liabilities Deposits 3,468,699 3,472,921 3 3,268,626 3,271,318 3 FHLBank advances 31,523 33,134 3 263,546 264,331 3 Short-term borrowings 351,373 351,373 3 117,477 117,477 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Accrued interest payable 1,056 1,056 3 1,080 1,080 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 137 137 3 145 145 3 Lines of credit — — 3 — — 3

Note 14_ Derivatives and Hedg75

Note 14: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	Location in Fair Value Consolidated Statements March 31, December 31, of Financial Condition 2016 2015 (In Thousands) Derivatives designated as hedging instruments Interest rate caps Prepaid expenses and other assets $ 41 $ 128 Total derivatives designated as hedging instruments $ 41 $ 128 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 4,422 $ 2,583 Total derivatives not designated as hedging instruments $ 4,422 $ 2,583 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 4,726 $ 2,725 Total derivatives not designated as hedging instruments $ 4,726 $ 2,725

Note 14_ Derivatives and Hedg76

Note 14: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)	Amount of Gain (Loss) Recognized in AOCI Three Months Ended March 31, Cash Flow Hedges 2016 2015 (In Thousands) Interest rate cap, net of income taxes $ (30) $ (96)

Note 16_ Acquisition of Loans77

Note 16: Acquisition of Loans, Deposits and Branches: Schedule of Recognized Identified Assets Acquired and Liabilities Assumed (Tables)	3 Months Ended
	Mar. 31, 2016
Fifth Third Bank
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed	January 29, 2016 (In Thousands) Assets Cash and cash equivalents $44,363 Loans receivable 157,524 Premises and equipment 17,990 Accrued interest receivable 410 Core deposit intangible 4,424 Deferred income taxes 100 Total assets acquired 224,811 Liabilities Total deposits 228,528 Accrued interest payable 50 Advances from borrowers for taxes and insurance 403 Accounts payable and accrued expenses 20 Total liabilities assumed 228,598 Goodwill recognized on business acquisition $ 4,069

Note 16_ Acquisition of Loans78

Note 16: Acquisition of Loans, Deposits and Branches: Schedule of Acquired Loans Performing and Nonperforming (Tables)	3 Months Ended
	Mar. 31, 2016
Tables/Schedules
Schedule of Acquired Loans Performing and Nonperforming	January 29, 2016 (In Thousands) Deposit premium per Purchase and Assumption Agreement $(7,135) Purchase accounting adjustments Deposits (277) Loans (1,340) Deferred income taxes 100 Core deposit intangible 4,424 Goodwill recognized on business acquisition $ 4,228

Note 2_ Nature of Operations 79

Note 2: Nature of Operations and Operating Segments (Details)	3 Months Ended
	Mar. 31, 2016
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 4_ Earnings Per Share_ S80

Note 4: Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Details
Weighted Average Number of Shares Outstanding, Basic	13,890	13,766
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$ 9,793	$ 11,508
BASIC EARNINGS PER COMMON SHARE	$ 0.71	$ 0.84
Weighted Average Number of Shares Outstanding, Diluted	13,890	13,766
Dilutive Securities, Effect on Basic Earnings Per Share, Dilutive Convertible Securities	$ 128	$ 167
Weighted Average Number Diluted Shares Outstanding Adjustment	14,018	13,933
Net Income (Loss) Available to Common Stockholders, Diluted	$ 9,793	$ 11,508
DILUTED EARNINGS PER COMMON SHARE	$ 0.70	$ 0.83

Note 4_ Earnings Per Share_ E81

Note 4: Earnings Per Share: Earnings Per Share, Policy (Details) - shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
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	127,100	10,500

Note 5_ Investment Securities82

Note 5: Investment Securities: Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Available-for-sale Securities, Amortized Cost Basis	$ 240,169
Available for Sale Securities Fair Value	249,546
Available-for-sale Securities
Available-for-sale Securities, Amortized Cost Basis	240,169	$ 253,575
Available for sale Securities, Gross Unrealized Gain	9,477	10,102
Available For Sale Securities Gross Unrealized Losses	100	821
Available for Sale Securities Fair Value	$ 249,546	$ 262,856
Available for Sale Securities Tax Equivalent Yield	3.07%	3.12%
US Government Agencies Debt Securities
Available-for-sale Securities, Amortized Cost Basis	$ 20,000	$ 20,000
Available for sale Securities, Gross Unrealized Gain	19
Available For Sale Securities Gross Unrealized Losses		219
Available for Sale Securities Fair Value	$ 20,019	$ 19,781
Available for Sale Securities Tax Equivalent Yield	2.00%	2.00%
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Amortized Cost Basis	$ 152,977	$ 159,777
Available for sale Securities, Gross Unrealized Gain	1,734	2,038
Available For Sale Securities Gross Unrealized Losses	100	601
Available for Sale Securities Fair Value	$ 154,611	$ 161,214
Available for Sale Securities Tax Equivalent Yield	2.10%	2.09%
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Amortized Cost Basis	$ 66,345	$ 72,951
Available for sale Securities, Gross Unrealized Gain	5,360	5,081
Available For Sale Securities Gross Unrealized Losses		1
Available for Sale Securities Fair Value	$ 71,705	$ 78,031
Available for Sale Securities Tax Equivalent Yield	5.68%	5.71%
Other Debt Obligations
Available-for-sale Securities, Amortized Cost Basis	$ 847	$ 847
Available for sale Securities, Gross Unrealized Gain	2,364	2,983
Available for Sale Securities Fair Value	$ 3,211	$ 3,830

Note 5_ Investment Securities83

Note 5: Investment Securities: Schedule of Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Held-to-maturity securities fair value	$ 382	$ 384
US States and Political Subdivisions Debt Securities
Held to Maturity Securities Amortized Cost	353	353
Held to Maturity Securities Gross Unrealized Gains	29	31
Held-to-maturity securities fair value	$ 382	$ 384
Held to Maturity Securities Tax Equivalent Yield	7.37%	7.37%

Note 5_ Investment Securities84

Note 5: Investment Securities: Investments Classified by Contractual Maturity Date (Details) $ in Thousands	Mar. 31, 2016USD ($)
Details
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	$ 623
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	647
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	7,284
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	7,627
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	78,438
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	83,450
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	152,977
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	154,611
Available for Sale Securities Equity Securities Amortized Cost	847
Available for Sale Securities Equity Securities Fair Value	3,211
Available-for-sale Securities, Amortized Cost Basis	240,169
Available for Sale Securities Fair Value	$ 249,546

Note 5_ Investment Securities85

Note 5: Investment Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Details) $ in Thousands	Mar. 31, 2016USD ($)
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	$ 382

Note 5_ Investment Securities86

Note 5: Investment Securities: Investment, Policy (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Details
Fair value investments reported less than historical cost	$ 39,000	$ 76,000
Fair value investments reported less than historical cost percentage of investment portfolio	15.60%	28.90%

Note 5_ Investment Securities87

Note 5: Investment Securities: Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Unrealized Losses and Estimated Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		$ 65,494
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		(567)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		10,545
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(254)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		76,039
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		(821)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 35,197	45,494
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(62)	(348)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	3,781	9,635
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(38)	(253)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	38,978	55,129
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ (100)	(601)
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, Accumulated Loss		(219)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		20,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		(219)
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		910
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(1)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		910
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		$ (1)

Note 5_ Investment Securities88

Note 5: Investment Securities: Gross Gains and Losses on Sales of Available for Sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Details
Available-for-sale Securities, Gross Realized Gains	$ 91	$ 0
Available-for-sale Securities, Gross Realized Losses	$ 88	$ 0

Note 5_ Investment Securities89

Note 5: Investment Securities: Other than temporary impairment securities (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)
Details
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities	$ 0

Note 5_ Investment Securities90

Note 5: Investment Securities: Credit Losses Recognized on Investments (Details) $ in Thousands	Mar. 31, 2016USD ($)
Details
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held	$ 0

Note 5_ Investment Securities91

Note 5: Investment Securities: Other Than Temporary Impairment Credit Losses Recognized in Earnings (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)
Details
Reclassifications out of accumulated other comprehensive income	$ 2

Note 6_ Loans and Allowance F92

Note 6: Loans and Allowance For Loan Losses: Schedule of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Loans Receivable weighted average interest rate	4.58%	4.56%
Consumer Loan
Loans Receivable	$ 74,987	$ 74,829
Automobile Loan
Loans Receivable	468,921	439,895
One-to-Four-Family Residential Construction
Loans Receivable	27,807	23,526
Subdivision Construction
Loans Receivable	28,328	38,504
Land Improvements
Loans Receivable	66,098	58,440
Commercial Construction
Loans Receivable	629,846	600,794
Owner Occupied One-to-Four-Family Residential
Loans Receivable	228,576	110,277
NonOwnerOccupiedOneToFourFamilyResidentialMember
Loans Receivable	148,461	149,874
Commercial Real Estate
Loans Receivable	1,048,180	1,043,474
Other Residential
Loans Receivable	415,117	419,549
Commercial Business
Loans Receivable	352,426	357,580
Industrial Revenue Bonds
Loans Receivable	36,407	37,362
Home Equity Line of Credit
Loans Receivable	98,760	83,966
Acquired FDIC Covered Loans Net of Discount
Loans Receivable	224,342	236,071
Acquired Loans No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Loans Receivable	31,761	33,338
Acquired Non-Covered Loans Net of Discounts
Loans Receivable	88,218	93,436
Loans Receivable, Gross
Loans Receivable	3,968,235	3,800,915
Undisbursed Portion of Loans in Process
Loans Receivable	(400,421)	(418,702)
Allowance for Loans and Leases Receivable
Loans Receivable	(37,026)	(38,149)
Deferred Loan Fees and Gains Net
Loans Receivable	(3,208)	(3,528)
Loans Receivable
Loans Receivable	$ 3,527,580	$ 3,340,536

Note 6_ Loans and Allowance F93

Note 6: Loans and Allowance For Loan Losses: Schedule of Loans Classified by Aging Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivables, 30 to 59 Days Past Due | Consumer Loan
Financing Receivables, By Class	$ 620	$ 943
Financing Receivables, 30 to 59 Days Past Due | Automobile Loan
Financing Receivables, By Class	2,293	3,351
Financing Receivables, 30 to 59 Days Past Due | One-to-Four-Family Residential Construction
Financing Receivables, By Class		649
Financing Receivables, 30 to 59 Days Past Due | Land Improvements
Financing Receivables, By Class	42	2,245
Financing Receivables, 30 to 59 Days Past Due | Commercial Construction
Financing Receivables, By Class		1
Financing Receivables, 30 to 59 Days Past Due | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	1,129	1,217
Financing Receivables, 30 to 59 Days Past Due | NonOwnerOccupiedOneToFourFamilyResidentialMember
Financing Receivables, By Class	796
Financing Receivables, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	2,319	1,035
Financing Receivables, 30 to 59 Days Past Due | Commercial Business
Financing Receivables, By Class	76	1,020
Financing Receivables, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	1,091	212
Financing Receivables, 30 to 59 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables, By Class	8,068	7,936
Financing Receivables, 30 to 59 Days Past Due | Acquired Loans No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Financing Receivables, By Class	45	989
Financing Receivables, 30 to 59 Days Past Due | Acquired Non-Covered Loans Net of Discounts
Financing Receivables, By Class	532	1,081
Financing Receivables, 30 to 59 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	17,011	20,679
Financing Receivables, 30 to 59 Days Past Due | Less FDIC Supported Loans and Acquired Not Covered Loans Net Of Discounts
Financing Receivables, By Class	8,645	10,006
Financing Receivables, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables, By Class	8,366	10,673
Financing Receivables, 60 to 89 Days Past Due | Consumer Loan
Financing Receivables, By Class	90	236
Financing Receivables, 60 to 89 Days Past Due | Automobile Loan
Financing Receivables, By Class	480	891
Financing Receivables, 60 to 89 Days Past Due | Land Improvements
Financing Receivables, By Class	429	148
Financing Receivables, 60 to 89 Days Past Due | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	90	345
Financing Receivables, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	5,383	471
Financing Receivables, 60 to 89 Days Past Due | Commercial Business
Financing Receivables, By Class	51	9
Financing Receivables, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	40	123
Financing Receivables, 60 to 89 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables, By Class	217	603
Financing Receivables, 60 to 89 Days Past Due | Acquired Loans No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Financing Receivables, By Class	63	39
Financing Receivables, 60 to 89 Days Past Due | Acquired Non-Covered Loans Net of Discounts
Financing Receivables, By Class	150	638
Financing Receivables, 60 to 89 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	6,993	3,503
Financing Receivables, 60 to 89 Days Past Due | Less FDIC Supported Loans and Acquired Not Covered Loans Net Of Discounts
Financing Receivables, By Class	430	1,280
Financing Receivables, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables, By Class	6,563	2,223
Financing Receivables, Equal to Greater than 90 Days Past Due | Consumer Loan
Financing Receivables, By Class	656	576
Financing Receivables, Equal to Greater than 90 Days Past Due | Automobile Loan
Financing Receivables, By Class	918	721
Financing Receivables, Equal to Greater than 90 Days Past Due | Subdivision Construction
Financing Receivables, By Class	143
Financing Receivables, Equal to Greater than 90 Days Past Due | Land Improvements
Financing Receivables, By Class	106	139
Financing Receivables, Equal to Greater than 90 Days Past Due | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	892	715
Financing Receivables, Equal to Greater than 90 Days Past Due | NonOwnerOccupiedOneToFourFamilyResidentialMember
Financing Receivables, By Class	336	345
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	9,779	13,488
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Business
Financing Receivables, By Class	181	288
Financing Receivables, Equal to Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	337	297
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables, By Class	10,451	9,712
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, By Class	10	33
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired Non-Covered Loans Net of Discounts
Financing Receivables, By Class	5,500	5,914
Financing Receivables, Equal to Greater than 90 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	29,309	32,228
Financing Receivables, Equal to Greater than 90 Days Past Due | Less FDIC Supported Loans and Acquired Not Covered Loans Net Of Discounts
Financing Receivables, By Class	15,961	15,659
Financing Receivables, Equal to Greater than 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	13,348	16,569
Financing Receivables Past Due | Consumer Loan
Financing Receivables, By Class	1,366	1,755
Financing Receivables Past Due | Automobile Loan
Financing Receivables, By Class	3,691	4,963
Financing Receivables Past Due | One-to-Four-Family Residential Construction
Financing Receivables, By Class		649
Financing Receivables Past Due | Subdivision Construction
Financing Receivables, By Class	143
Financing Receivables Past Due | Land Improvements
Financing Receivables, By Class	577	2,532
Financing Receivables Past Due | Commercial Construction
Financing Receivables, By Class		1
Financing Receivables Past Due | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	2,111	2,277
Financing Receivables Past Due | NonOwnerOccupiedOneToFourFamilyResidentialMember
Financing Receivables, By Class	1,132	345
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables, By Class	17,481	14,994
Financing Receivables Past Due | Commercial Business
Financing Receivables, By Class	308	1,317
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables, By Class	1,468	632
Financing Receivables Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables, By Class	18,736	18,251
Financing Receivables Past Due | Acquired Loans No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Financing Receivables, By Class	118	1,061
Financing Receivables Past Due | Acquired Non-Covered Loans Net of Discounts
Financing Receivables, By Class	6,182	7,633
Financing Receivables Past Due | Loans Receivable, Gross
Financing Receivables, By Class	53,313	56,410
Financing Receivables Past Due | Less FDIC Supported Loans and Acquired Not Covered Loans Net Of Discounts
Financing Receivables, By Class	25,036	26,945
Financing Receivables Past Due | Loans Receivable
Financing Receivables, By Class	28,277	29,465
Financing Receivables Current | Consumer Loan
Financing Receivables, By Class	73,621	73,074
Financing Receivables Current | Automobile Loan
Financing Receivables, By Class	465,230	434,932
Financing Receivables Current | One-to-Four-Family Residential Construction
Financing Receivables, By Class	27,807	22,877
Financing Receivables Current | Subdivision Construction
Financing Receivables, By Class	28,185	38,504
Financing Receivables Current | Land Improvements
Financing Receivables, By Class	65,521	55,908
Financing Receivables Current | Commercial Construction
Financing Receivables, By Class	629,846	600,793
Financing Receivables Current | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	226,465	108,000
Financing Receivables Current | NonOwnerOccupiedOneToFourFamilyResidentialMember
Financing Receivables, By Class	147,329	149,529
Financing Receivables Current | Commercial Real Estate
Financing Receivables, By Class	1,030,699	1,028,480
Financing Receivables Current | Other Residential
Financing Receivables, By Class	415,117	419,549
Financing Receivables Current | Commercial Business
Financing Receivables, By Class	352,118	356,263
Financing Receivables Current | Industrial Revenue Bonds
Financing Receivables, By Class	36,407	37,362
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables, By Class	97,292	83,334
Financing Receivables Current | Acquired FDIC Covered Loans Net of Discount
Financing Receivables, By Class	205,606	217,820
Financing Receivables Current | Acquired Loans No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Financing Receivables, By Class	31,643	32,277
Financing Receivables Current | Acquired Non-Covered Loans Net of Discounts
Financing Receivables, By Class	82,036	85,803
Financing Receivables Current | Loans Receivable, Gross
Financing Receivables, By Class	3,914,922	3,744,505
Financing Receivables Current | Less FDIC Supported Loans and Acquired Not Covered Loans Net Of Discounts
Financing Receivables, By Class	319,285	335,900
Financing Receivables Current | Loans Receivable
Financing Receivables, By Class	3,595,637	3,408,605
Financing Receivables, Total | Consumer Loan
Financing Receivables, By Class	74,987	74,829
Financing Receivables, Total | Automobile Loan
Financing Receivables, By Class	468,921	439,895
Financing Receivables, Total | One-to-Four-Family Residential Construction
Financing Receivables, By Class	27,807	23,526
Financing Receivables, Total | Subdivision Construction
Financing Receivables, By Class	28,328	38,504
Financing Receivables, Total | Land Improvements
Financing Receivables, By Class	66,098	58,440
Financing Receivables, Total | Commercial Construction
Financing Receivables, By Class	629,846	600,794
Financing Receivables, Total | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	228,576	110,277
Financing Receivables, Total | NonOwnerOccupiedOneToFourFamilyResidentialMember
Financing Receivables, By Class	148,461	149,874
Financing Receivables, Total | Commercial Real Estate
Financing Receivables, By Class	1,048,180	1,043,474
Financing Receivables, Total | Other Residential
Financing Receivables, By Class	415,117	419,549
Financing Receivables, Total | Commercial Business
Financing Receivables, By Class	352,426	357,580
Financing Receivables, Total | Industrial Revenue Bonds
Financing Receivables, By Class	36,407	37,362
Financing Receivables, Total | Home Equity Line of Credit
Financing Receivables, By Class	98,760	83,966
Financing Receivables, Total | Acquired FDIC Covered Loans Net of Discount
Financing Receivables, By Class	224,342	236,071
Financing Receivables, Total | Acquired Loans No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Financing Receivables, By Class	31,761	33,338
Financing Receivables, Total | Acquired Non-Covered Loans Net of Discounts
Financing Receivables, By Class	88,218	93,436
Financing Receivables, Total | Loans Receivable, Gross
Financing Receivables, By Class	3,968,235	3,800,915
Financing Receivables, Total | Less FDIC Supported Loans and Acquired Not Covered Loans Net Of Discounts
Financing Receivables, By Class	344,321	362,845
Financing Receivables, Total | Loans Receivable
Financing Receivables, By Class	3,623,914	$ 3,438,070
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	33
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | NonOwnerOccupiedOneToFourFamilyResidentialMember
Financing Receivables, By Class	60
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Home Equity Line of Credit
Financing Receivables, By Class	4
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Acquired FDIC Covered Loans Net of Discount
Financing Receivables, By Class	172
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable, Gross
Financing Receivables, By Class	269
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, By Class	172
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable
Financing Receivables, By Class	$ 97

Note 6_ Loans and Allowance F94

Note 6: Loans and Allowance For Loan Losses: Schedule of Financing Receivables NonAccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Consumer Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 656	$ 576
Automobile Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	918	721
Subdivision Construction
Financing Receivable, Recorded Investment, Nonaccrual Status	143
Land Improvements
Financing Receivable, Recorded Investment, Nonaccrual Status	106	139
Owner Occupied One-to-Four-Family Residential
Financing Receivable, Recorded Investment, Nonaccrual Status	859	715
NonOwnerOccupiedOneToFourFamilyResidentialMember
Financing Receivable, Recorded Investment, Nonaccrual Status	276	345
Commercial Real Estate
Financing Receivable, Recorded Investment, Nonaccrual Status	9,779	13,488
Commercial Business
Financing Receivable, Recorded Investment, Nonaccrual Status	181	288
Home Equity Line of Credit
Financing Receivable, Recorded Investment, Nonaccrual Status	333	297
Loans Receivable Nonaccrual
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 13,251	$ 16,569

Note 6_ Loans and Allowance F95

Note 6: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Provision for loan losses	$ 2,101	$ 1,300
One-to-Four-Family Residential Construction
Provision for Loan Losses Expensed	51	556
Financing Receivable, Allowance for Credit Losses, Write-downs	(84)	(140)
Allowance for Doubtful Accounts Receivable, Recoveries	16	114
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	729		$ 731
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,481		3,464
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	673		705
Financing Receivable, Individually Evaluated for Impairment	6,162		6,129
Financing Receivable, Collectively Evaluated for Impairment	427,010		316,052
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	187,210		194,697
One-to-Four-Family Residential Construction | Beginning of Period
Provision for loan losses	4,900	3,455
One-to-Four-Family Residential Construction | End of Period
Provision for loan losses	4,883	3,985
Other Residential
Provision for Loan Losses Expensed	(582)	(140)
Financing Receivable, Allowance for Credit Losses, Write-downs		(3)
Allowance for Doubtful Accounts Receivable, Recoveries	13	11
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,532		3,122
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	89		68
Financing Receivable, Individually Evaluated for Impairment	9,472		9,533
Financing Receivable, Collectively Evaluated for Impairment	405,645		410,016
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	35,608		35,945
Other Residential | Beginning of Period
Provision for loan losses	3,190	2,941
Other Residential | End of Period
Provision for loan losses	2,621	2,809
Commercial Real Estate
Provision for Loan Losses Expensed	1,288	385
Financing Receivable, Allowance for Credit Losses, Write-downs	(2,309)	(2)
Allowance for Doubtful Accounts Receivable, Recoveries	11	60
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,900		2,556
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	11,586		11,888
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	242		294
Financing Receivable, Individually Evaluated for Impairment	31,654		34,629
Financing Receivable, Collectively Evaluated for Impairment	1,016,526		1,008,845
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	64,924		73,148
Commercial Real Estate | Beginning of Period
Provision for loan losses	14,738	19,773
Commercial Real Estate | End of Period
Provision for loan losses	13,728	20,216
Commercial Construction
Provision for Loan Losses Expensed	129	(113)
Financing Receivable, Allowance for Credit Losses, Write-downs	(30)	(197)
Allowance for Doubtful Accounts Receivable, Recoveries	8	104
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,141		1,391
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,915		1,570
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	70		58
Financing Receivable, Individually Evaluated for Impairment	7,496		7,555
Financing Receivable, Collectively Evaluated for Impairment	688,448		651,679
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	5,436		4,981
Commercial Construction | Beginning of Period
Provision for loan losses	3,019	3,562
Commercial Construction | End of Period
Provision for loan losses	3,126	3,356
Commercial Business
Provision for Loan Losses Expensed	(554)	467
Financing Receivable, Allowance for Credit Losses, Write-downs	(19)	(224)
Allowance for Doubtful Accounts Receivable, Recoveries	47	23
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,120		1,115
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,373		2,862
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	184		226
Financing Receivable, Individually Evaluated for Impairment	2,215		2,365
Financing Receivable, Collectively Evaluated for Impairment	386,618		392,577
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	9,075		10,500
Commercial Business | Beginning of Period
Provision for loan losses	4,203	3,679
Commercial Business | End of Period
Provision for loan losses	3,677	3,945
Consumer
Provision for Loan Losses Expensed	1,769	145
Financing Receivable, Allowance for Credit Losses, Write-downs	(1,737)	(1,147)
Allowance for Doubtful Accounts Receivable, Recoveries	860	737
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	359		300
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	8,435		7,647
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	197		152
Financing Receivable, Individually Evaluated for Impairment	2,340		1,950
Financing Receivable, Collectively Evaluated for Impairment	640,328		596,740
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	42,068		43,574
Consumer | Beginning of Period
Provision for loan losses	8,099	5,025
Consumer | End of Period
Provision for loan losses	8,991	4,760
Loans Receivable
Provision for Loan Losses Expensed	2,101	1,300
Financing Receivable, Allowance for Credit Losses, Write-downs	(4,179)	(1,713)
Allowance for Doubtful Accounts Receivable, Recoveries	955	1,049
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	5,249		6,093
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	30,322		30,553
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	1,455		1,503
Financing Receivable, Individually Evaluated for Impairment	59,339		62,161
Financing Receivable, Collectively Evaluated for Impairment	3,564,575		3,375,909
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	344,321		$ 362,845
Loans Receivable | Beginning of Period
Provision for loan losses	38,149	38,435
Loans Receivable | End of Period
Provision for loan losses	$ 37,026	$ 39,071

Note 6_ Loans and Allowance F96

Note 6: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Consumer Loan
Impaired Financing Receivable, Recorded Investment	$ 880	$ 546	$ 802
Impaired Financing Receivable, Unpaid Principal Balance	962	693	885
Impaired Financing Receivable, Related Allowance	132	82	120
Impaired Financing Receivable, Average Recorded Investment	897	582	672
Impaired Financing Receivable Interest Income Recognized	19	11	74
Automobile Loan
Impaired Financing Receivable, Recorded Investment	1,000	446	791
Impaired Financing Receivable, Unpaid Principal Balance	1,039	501	829
Impaired Financing Receivable, Related Allowance	150	67	119
Impaired Financing Receivable, Average Recorded Investment	929	425	576
Impaired Financing Receivable Interest Income Recognized	17	10	59
One-to-Four-Family Residential Construction
Impaired Financing Receivable, Recorded Investment		853
Impaired Financing Receivable, Unpaid Principal Balance		853
Impaired Financing Receivable, Average Recorded Investment		971	633
Impaired Financing Receivable Interest Income Recognized		16	35
Subdivision Construction
Impaired Financing Receivable, Recorded Investment	1,014	4,434	1,061
Impaired Financing Receivable, Unpaid Principal Balance	1,014	4,487	1,061
Impaired Financing Receivable, Related Allowance	209	280	214
Impaired Financing Receivable, Average Recorded Investment	1,049	4,482	3,533
Impaired Financing Receivable Interest Income Recognized	7	51	109
Land Improvements
Impaired Financing Receivable, Recorded Investment	7,496	7,387	7,555
Impaired Financing Receivable, Unpaid Principal Balance	7,586	7,395	7,644
Impaired Financing Receivable, Related Allowance	1,141	1,414	1,391
Impaired Financing Receivable, Average Recorded Investment	7,506	7,510	7,432
Impaired Financing Receivable Interest Income Recognized	69	67	287
Owner Occupied One-to-Four-Family Residential
Impaired Financing Receivable, Recorded Investment	5,148	3,841	3,166
Impaired Financing Receivable, Unpaid Principal Balance	5,718	4,093	3,427
Impaired Financing Receivable, Related Allowance	520	353	389
Impaired Financing Receivable, Average Recorded Investment	5,121	3,984	3,587
Impaired Financing Receivable Interest Income Recognized	57	61	179
NonOwnerOccupiedOneToFourFamilyResidentialMember
Impaired Financing Receivable, Recorded Investment		1,809	1,902
Impaired Financing Receivable, Unpaid Principal Balance		2,021	2,138
Impaired Financing Receivable, Related Allowance		74	128
Impaired Financing Receivable, Average Recorded Investment		1,785	1,769
Impaired Financing Receivable Interest Income Recognized		11	100
Commercial Real Estate
Impaired Financing Receivable, Recorded Investment	31,654	26,644	34,629
Impaired Financing Receivable, Unpaid Principal Balance	34,773	27,979	37,259
Impaired Financing Receivable, Related Allowance	1,900	2,271	2,556
Impaired Financing Receivable, Average Recorded Investment	33,088	26,636	28,610
Impaired Financing Receivable Interest Income Recognized	224	201	1,594
Other Residential
Impaired Financing Receivable, Recorded Investment	9,472	9,768	9,533
Impaired Financing Receivable, Unpaid Principal Balance	9,472	9,768	9,533
Impaired Financing Receivable, Average Recorded Investment	9,496	9,780	9,670
Impaired Financing Receivable Interest Income Recognized	98	111	378
Commercial Business
Impaired Financing Receivable, Recorded Investment	2,215	2,270	2,365
Impaired Financing Receivable, Unpaid Principal Balance	2,644	2,345	2,539
Impaired Financing Receivable, Related Allowance	1,120	686	1,115
Impaired Financing Receivable, Average Recorded Investment	2,230	2,469	2,268
Impaired Financing Receivable Interest Income Recognized	24	113	138
Home Equity Line of Credit
Impaired Financing Receivable, Recorded Investment	460	416	357
Impaired Financing Receivable, Unpaid Principal Balance	480	440	374
Impaired Financing Receivable, Related Allowance	77	72	61
Impaired Financing Receivable, Average Recorded Investment	461	406	403
Impaired Financing Receivable Interest Income Recognized	12	9	27
Loans Receivable Impaired
Impaired Financing Receivable, Recorded Investment	59,339	58,414	62,161
Impaired Financing Receivable, Unpaid Principal Balance	63,688	60,575	65,689
Impaired Financing Receivable, Related Allowance	5,249	5,299	6,093
Impaired Financing Receivable, Average Recorded Investment	60,777	59,030	59,153
Impaired Financing Receivable Interest Income Recognized	$ 527	$ 661	$ 2,980

Note 6_ Loans and Allowance F97

Note 6: Loans and Allowance For Loan Losses: Impaired Loans Specific Valuation Allowance (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Details
Impaired Loans With Specific Valuation Allowance	$ 20,700	$ 25,100
Impaired Loans Valuation Allowance	$ 5,200	$ 6,100

Note 6_ Loans and Allowance F98

Note 6: Loans and Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Troubled Debt Restructurings Total Modifications	$ 44,400	$ 45,000
Total Newly Restructured Loans
Troubled Debt Restructuring Loans Interest Only	3,435
Troubled Debt Restructuring Loans Modified Term	2
Troubled Debt Restructurings Total Modifications	3,437
Mortgage Loan On Real Estate | One-to-Four-Family Residential
Troubled Debt Restructuring Loans Interest Only	429
Troubled Debt Restructurings Total Modifications	429
Mortgage Loan On Real Estate | Commercial Business
Troubled Debt Restructuring Loans Interest Only	60
Troubled Debt Restructurings Total Modifications	60
Mortgage Loan On Real Estate | Construction and Land Development
Troubled Debt Restructuring Loans Interest Only	2,946
Troubled Debt Restructurings Total Modifications	2,946
Mortgage Loan On Real Estate | Consumer Loan
Troubled Debt Restructuring Loans Modified Term	2
Troubled Debt Restructurings Total Modifications	$ 2

Note 6_ Loans and Allowance F99

Note 6: Loans and Allowance For Loan Losses: Loans Modified in Troubled Debt Restructurings by Segment (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016USD ($)	Dec. 31, 2015USD ($)
Troubled Debt Restructurings Total Modifications	$ 44,400	$ 45,000
Troubled Debt Restructurings Accruing Interest	$ 39,400	39,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0
Substandard
Troubled Debt Restructurings	$ 13,200	12,200
Construction and Land Development
Troubled Debt Restructured Loans and Impaired	8,300	7,900
Single Family and Multi-Family Residential Mortgage Loans
Troubled Debt Restructured Loans and Impaired	13,500	13,500
Commercial Real Estate
Troubled Debt Restructured Loans and Impaired	20,500	21,300
Commercial Business
Troubled Debt Restructured Loans and Impaired	1,900	2,000
Consumer Loan
Troubled Debt Restructured Loans and Impaired	$ 294	$ 311

Note 6_ Loans and Allowance 100

Note 6: Loans and Allowance For Loan Losses: Troubled Debt Restructured Loans Returned to Accrual Status (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)
Consumer Loan
Troubled Debt Restructurings Returned to Accrual Status	$ 20

Note 6_ Loans and Allowance 101

Note 6: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Satisfactory | Consumer Loan
Loan Portfolio Internal Grading System Classification	$ 74,247	$ 74,167
Satisfactory | Automobile Loan
Loan Portfolio Internal Grading System Classification	467,969	439,157
Satisfactory | One-to-Four-Family Residential Construction
Loan Portfolio Internal Grading System Classification	27,097	22,798
Satisfactory | Subdivision Construction
Loan Portfolio Internal Grading System Classification	24,273	34,370
Satisfactory | Land Improvements
Loan Portfolio Internal Grading System Classification	55,031	47,357
Satisfactory | Commercial Construction
Loan Portfolio Internal Grading System Classification	629,846	600,794
Satisfactory | Owner Occupied One-to-Four-Family Residential
Loan Portfolio Internal Grading System Classification	226,786	108,584
Satisfactory | NonOwnerOccupiedOneToFourFamilyResidentialMember
Loan Portfolio Internal Grading System Classification	143,569	144,744
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,007,471	1,005,894
Satisfactory | Other Residential
Loan Portfolio Internal Grading System Classification	404,801	409,172
Satisfactory | Commercial Business
Loan Portfolio Internal Grading System Classification	350,273	355,370
Satisfactory | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	36,407	37,362
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	98,313	83,627
Satisfactory | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	224,330	236,055
Satisfactory | Acquired Foreclosed Assets No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Loan Portfolio Internal Grading System Classification	31,689	33,237
Satisfactory | Acquired Non-Covered Loans Net of Discounts
Loan Portfolio Internal Grading System Classification	86,634	91,614
Satisfactory | Loans Receivable
Loan Portfolio Internal Grading System Classification	3,888,736	3,724,302
Watch | Subdivision Construction
Loan Portfolio Internal Grading System Classification	261	263
Watch | Land Improvements
Loan Portfolio Internal Grading System Classification	6,978	6,992
Watch | Owner Occupied One-to-Four-Family Residential
Loan Portfolio Internal Grading System Classification	511	587
Watch | NonOwnerOccupiedOneToFourFamilyResidentialMember
Loan Portfolio Internal Grading System Classification	717	516
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	23,519	18,805
Watch | Other Residential
Loan Portfolio Internal Grading System Classification	8,384	8,422
Watch | Commercial Business
Loan Portfolio Internal Grading System Classification	1,366	1,303
Watch | Loans Receivable
Loan Portfolio Internal Grading System Classification	41,736	36,888
Special Mention | One-to-Four-Family Residential Construction
Loan Portfolio Internal Grading System Classification	710	728
Special Mention | Subdivision Construction
Loan Portfolio Internal Grading System Classification	3,363	3,407
Special Mention | NonOwnerOccupiedOneToFourFamilyResidentialMember
Loan Portfolio Internal Grading System Classification	3,459	3,827
Special Mention | Commercial Business
Loan Portfolio Internal Grading System Classification	433	438
Special Mention | Loans Receivable
Loan Portfolio Internal Grading System Classification	7,965	8,400
Substandard | Consumer Loan
Loan Portfolio Internal Grading System Classification	740	662
Substandard | Automobile Loan
Loan Portfolio Internal Grading System Classification	952	738
Substandard | Subdivision Construction
Loan Portfolio Internal Grading System Classification	431	464
Substandard | Land Improvements
Loan Portfolio Internal Grading System Classification	4,089	4,091
Substandard | Owner Occupied One-to-Four-Family Residential
Loan Portfolio Internal Grading System Classification	1,279	1,106
Substandard | NonOwnerOccupiedOneToFourFamilyResidentialMember
Loan Portfolio Internal Grading System Classification	716	787
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	17,190	18,775
Substandard | Other Residential
Loan Portfolio Internal Grading System Classification	1,932	1,955
Substandard | Commercial Business
Loan Portfolio Internal Grading System Classification	354	469
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	447	339
Substandard | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	12	16
Substandard | Acquired Foreclosed Assets No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Loan Portfolio Internal Grading System Classification	72	101
Substandard | Acquired Non-Covered Loans Net of Discounts
Loan Portfolio Internal Grading System Classification	1,584	1,822
Substandard | Loans Receivable
Loan Portfolio Internal Grading System Classification	29,798	31,325
Total for Portfolio | Consumer Loan
Loan Portfolio Internal Grading System Classification	74,987	74,829
Total for Portfolio | Automobile Loan
Loan Portfolio Internal Grading System Classification	468,921	439,895
Total for Portfolio | One-to-Four-Family Residential Construction
Loan Portfolio Internal Grading System Classification	27,807	23,526
Total for Portfolio | Subdivision Construction
Loan Portfolio Internal Grading System Classification	28,328	38,504
Total for Portfolio | Land Improvements
Loan Portfolio Internal Grading System Classification	66,098	58,440
Total for Portfolio | Commercial Construction
Loan Portfolio Internal Grading System Classification	629,846	600,794
Total for Portfolio | Owner Occupied One-to-Four-Family Residential
Loan Portfolio Internal Grading System Classification	228,576	110,277
Total for Portfolio | NonOwnerOccupiedOneToFourFamilyResidentialMember
Loan Portfolio Internal Grading System Classification	148,461	149,874
Total for Portfolio | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,048,180	1,043,474
Total for Portfolio | Other Residential
Loan Portfolio Internal Grading System Classification	415,117	419,549
Total for Portfolio | Commercial Business
Loan Portfolio Internal Grading System Classification	352,426	357,580
Total for Portfolio | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	36,407	37,362
Total for Portfolio | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	98,760	83,966
Total for Portfolio | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	224,342	236,071
Total for Portfolio | Acquired Foreclosed Assets No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Loan Portfolio Internal Grading System Classification	31,761	33,338
Total for Portfolio | Acquired Non-Covered Loans Net of Discounts
Loan Portfolio Internal Grading System Classification	88,218	93,436
Total for Portfolio | Loans Receivable
Loan Portfolio Internal Grading System Classification	$ 3,968,235	$ 3,800,915

Note 7_ FDIC Acquired Loans,102

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
InterBank
Premium recorded in conjunction with fair value of acquired loans and amount amortized to yield	$ 98	$ 122
Valley Bank
Premium recorded in conjunction with fair value of acquired loans and amount amortized to yield	$ 148	$ 218

Note 7_ FDIC Acquired Loans,103

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Details) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)$ / shares	Mar. 31, 2015USD ($)$ / shares
Details
Impact of acquired loan pools on net interest income	$ 5,382	$ 8,963
Impact of acquired loan pools on net interest margin (in basis points)	56	98
Impact of acquired loan pools on non-interest income	$ (2,934)	$ (6,679)
Net impact of acquired loan pools to pre-tax income	2,448	2,284
Net impact of acquired loan pools to net of taxes	$ 1,559	$ 1,485
Impact of acquired loan pools to diluted earnings per common share | $ / shares	$ 0.11	$ 0.11

Note 7_ FDIC Acquired Loans,104

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy (Details)	3 Months Ended
	Mar. 31, 2016
TeamBank
Business Combination, Indemnification Assets, Description	Gross loan balances (due from the borrower) were reduced approximately $409.0 million since the transaction date because of $276.1 million of repayments from borrowers, $61.6 million in transfers to foreclosed assets and $71.3 million in charge-offs to customer loan balances.
Vantus Bank
Business Combination, Indemnification Assets, Description	Gross loan balances (due from the borrower) were reduced approximately $301.2 million since the transaction date because of $255.3 million of repayments from borrowers, $16.6 million in transfers to foreclosed assets and $29.3 million in charge-offs to customer loan balances.
Sun Security Bank
Business Combination, Indemnification Assets, Description	Gross loan balances (due from the borrower) were reduced approximately $193.7 million since the transaction date because of $133.8 million of repayments from borrowers, $28.2 million in transfers to foreclosed assets and $31.7 million of charge-offs to customer loan balances.
InterBank
Business Combination, Indemnification Assets, Description	Gross loan balances (due from the borrower) were reduced approximately $210.0 million since the transaction date because of $173.3 million of repayments by the borrower, $15.1 million in transfers to foreclosed assets and $21.6 million of charge-offs to customer loan balances.
Valley Bank
Business Combination, Indemnification Assets, Description	Gross loan balances (due from the borrower) were reduced approximately $90.7 million since the transaction date because of $82.5 million of repayments by the borrower, $6.5 million of charge-offs to customer loan balances and $1.7 million in transfers to foreclosed assets.

Note 7_ FDIC Acquired Loans,105

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Details) - USD ($) $ in Thousands	Mar. 31, 2016		Dec. 31, 2015
FDIC indemnification asset	$ 20,125		$ 24,082
TeamBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	27,138		29,115
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(1,153)		(1,285)
Original estimated fair value of assets, net of activity since acquisition date	(25,815)		(27,660)
Expected loss remaining	$ 170		$ 170
Assumed loss sharing recovery percentage	91.00%		90.00%
Estimated loss sharing value	$ 154		$ 154
Indemnification assets to be amortized resulting from change in expected losses	206		241
FDIC indemnification asset	360		$ 395
TeamBank Foreclosed Assets
Assumed loss sharing recovery percentage			0.00%
Vantus Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	30,319		$ 31,818
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(397)		(470)
Original estimated fair value of assets, net of activity since acquisition date	(29,666)		(31,092)
Expected loss remaining	$ 256		$ 256
Assumed loss sharing recovery percentage	61.00%		61.00%
Estimated loss sharing value	$ 156	[1]	$ 156
Indemnification assets to be amortized resulting from change in expected losses	265		319
FDIC indemnification asset	421		475
Vantus Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	608		608
Original estimated fair value of assets, net of activity since acquisition date	(418)		(418)
Expected loss remaining	190		190
Sun Security Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	40,724		43,855
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(1,810)		(2,171)
Original estimated fair value of assets, net of activity since acquisition date	(37,764)		(40,349)
Expected loss remaining	$ 1,150		$ 1,335
Assumed loss sharing recovery percentage	27.00%		34.00%
Estimated loss sharing value	$ 316		$ 456
Indemnification assets to be amortized resulting from change in expected losses	850	[2]	1,725
FDIC indemnification asset	1,147		2,145
Accretable Discount on FDIC Indemnification Asset	(19)		(36)
Sun Security Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	564		557
Original estimated fair value of assets, net of activity since acquisition date	(468)		(461)
Expected loss remaining	$ 96		$ 96
Assumed loss sharing recovery percentage	80.00%		80.00%
Estimated loss sharing value	$ 77		$ 77
FDIC indemnification asset	14		14
Accretable Discount on FDIC Indemnification Asset	(63)		(63)
InterBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	183,242		193,654
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(4,465)		(4,901)
Original estimated fair value of assets, net of activity since acquisition date	(162,856)		(170,308)
Expected loss remaining	$ 16,725		$ 19,347
Assumed loss sharing recovery percentage	83.00%		83.00%
Estimated loss sharing value	$ 13,934	[3]	$ 16,032
Indemnification assets to be amortized resulting from change in expected losses	3,572		3,920
FDIC indemnification asset	17,957		20,511
Accretable Discount on FDIC Indemnification Asset	(1,586)		(1,801)
Non-credit premium (discount), net of activity since acquisition date	804		902
FDIC loss share clawback	2,037		2,360
InterBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	1,702		2,110
Original estimated fair value of assets, net of activity since acquisition date	(1,377)		(1,392)
Expected loss remaining	$ 325		$ 718
Assumed loss sharing recovery percentage	80.00%		80.00%
Estimated loss sharing value	$ 260	[3]	$ 575
FDIC indemnification asset	227		542
Accretable Discount on FDIC Indemnification Asset	(33)		(33)
Valley Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	102,480		109,791
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(3,609)		(3,213)
Original estimated fair value of assets, net of activity since acquisition date	(88,218)		(93,436)
Expected loss remaining	11,224		13,861
Non-credit premium (discount), net of activity since acquisition date	571		719
Valley Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	1,114		1,017
Original estimated fair value of assets, net of activity since acquisition date	(1,092)		(995)
Expected loss remaining	$ 22		$ 22
[1]	Includes $152,000 impairment of indemnification asset for foreclosed assets. Resolution of certain items related to commercial foreclosed assets did not occur prior to the expiration of the non-single-family loss sharing agreement for Vantus Bank on September 30, 2014.
[2]	Includes $584,000 impairment of indemnification asset for loans related to the termination of the loss sharing agreements, which was completed in April 2016.
[3]	Includes $400,000 impairment of indemnification asset for loans

Note 7_ FDIC Acquired Loans,106

Note 7: FDIC Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Accretable Yield Changes for Acquired Loans (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015
TeamBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		$ (480)	$ (1,401)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	161	485
TeamBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		3,805	6,865
TeamBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		3,486	5,949
Vantus Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(489)	(682)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	365	760
Vantus Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		3,360	4,453
Vantus Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		3,236	4,531
Sun Security Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(1,072)	(1,953)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	471	1,401
Sun Security Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		5,924	7,952
Sun Security Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		5,323	7,400
InterBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(4,641)	(9,200)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	2,849	4,916
InterBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		16,347	36,092
InterBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		14,555	31,808
Valley Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(3,146)	(2,503)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	3,062	2,458
Valley Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		8,316	11,132
Valley Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		$ 8,232	$ 11,087
[1]	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 three months ended March 31, 2016, totaling $161,000, $365,000, $304,000, $690,000 and $612,000, respectively, and for the three months ended March 31, 2015, totaling $320,000, $374,000, $493,000, $929,000 and $608,000, respectively.

Note 8_ Other Real Estate Ow107

Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Other Real Estate Owned, Net	$ 39,528	$ 31,893
Foreclosed Assets Held For Sale | Subdivision Construction
Foreclosed Assets	6,821	7,016
Foreclosed Assets Held For Sale | Land Improvements
Foreclosed Assets	11,477	12,133
Foreclosed Assets Held For Sale | One-to-Four-Family Residential
Foreclosed Assets	1,406	1,375
Foreclosed Assets Held For Sale | Other Residential
Foreclosed Assets	1,962	2,150
Foreclosed Assets Held For Sale | Commercial Real Estate
Foreclosed Assets	6,534	3,608
Foreclosed Assets Held For Sale | Consumer
Foreclosed Assets	1,449	1,109
Foreclosed Assets Held For Sale | Foreclosed Assets Before FDIC Supported Foreclosed Assets
Foreclosed Assets	29,649	27,391
Foreclosed Assets Held For Sale | FDIC Supported Foreclosed Assets Net of Discounts
Foreclosed Assets	1,864	1,834
Foreclosed Assets Held For Sale | Acquired Foreclosed Assets No Longer Covered by FDIC Loss Sharing Agreements Net of Discounts
Foreclosed Assets	417	460
Foreclosed Assets Held For Sale | Acquired Loans Not Covered By FDIC Loss Sharing Agreements Net Of Discounts
Foreclosed Assets	1,091	995
Foreclosed Assets Held For Sale, Net
Foreclosed Assets	33,021	30,680
Other Real Estate Owned Not Acquired Through Foreclosure
Other Real Estate Owned, Net	$ 6,507	$ 1,213

Note 8_ Other Real Estate Ow108

Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Details
Net (gain) loss on sales of other real estate owned	$ (98)	$ (125)
Valuation write-downs on foreclosed assets	374	52
Operating expenses, net of rental income	635	458
Total foreclosed assets expenses	$ 911	$ 385

Note 9_ Deposits_ Schedule o109

Note 9: Deposits: Schedule of Deposit Liabilities (Details) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015
Deposits		$ 3,468,699	$ 3,268,626
Non-Interest Bearing Demand Deposits
Deposits		615,468	571,629
Interest Bearing Demand and Savings Deposits
Deposits	[1]	1,530,740	1,408,850
Total Deposits
Deposits		3,468,699	3,268,626
Bank Time Deposits | 0.00% - 0.99%
Deposits		794,458	863,865
Bank Time Deposits | 1.00% - 1.99%
Deposits		482,430	381,956
Bank Time Deposits | 2.00% - 2.99%
Deposits		43,522	39,592
Bank Time Deposits | 3.00% - 3.99%
Deposits		587	1,137
Bank Time Deposits | 4.00% - 4.99%
Deposits		1,222	1,304
Bank Time Deposits | 5.00% and above
Deposits		272	293
Bank Time Deposits | Total Time Deposits
Deposits	[2]	$ 1,322,491	$ 1,288,147
[1]	(0.25% - 0.24%)
[2]	(0.94% - 0.85%)

Note 10_ Advances From Feder110

Note 10: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 0	$ 0
Due in 2016
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 53	$ 232,071
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	5.14%	0.42%
Due in 2017
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 30,826	$ 30,826
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	3.25%	3.26%
Due in 2018
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 81	$ 81
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	5.14%	5.14%
Due in 2019
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 28	$ 28
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	5.14%	5.14%
Due in 2021 and Thereafter
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 500	$ 500
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	5.54%	5.54%
Federal Home Loan Bank Advances, Gross
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 31,488	$ 263,506
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	1.05%	0.76%
Federal Home Loan Bank Advances Unamortized Fair Value Adjustment
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 35	$ 40
Federal Home Loan Bank Advances, Net
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 31,523	$ 263,546

Note 11_ Securities Sold Und111

Note 11: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Details
Notes payable - Community Development Equity Funds	$ 1,076	$ 1,295
Other Short-term Borrowings	215,200
Securities for Reverse Repurchase Agreements	135,097	116,182
Short-term Debt, Fair Value	$ 351,373	$ 117,477

Note 11_ Securities Sold Und112

Note 11: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financial Assets Sold under Agreement to Repurchase | Maturity Overnight | Mortgage Backed Securities, Other
Securities Sold under Agreements to Repurchase, Fair Value of Collateral	$ 135,097	$ 116,182

Note 12_ Income Taxes_ Sched113

Note 12: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Details
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	35.00%	35.00%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent	(2.80%)	(2.90%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	(8.70%)	(8.30%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.10%	1.10%
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	0.50%	0.10%
Effective Income Tax Rate Reconciliation, Percent	25.10%	25.00%

Note 13_ Disclosures About F114

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
US Government Agencies Debt Securities
Assets, Fair Value Disclosure, Recurring	$ 20,019	$ 19,781
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Assets, Fair Value Disclosure, Recurring	154,611	161,214
US States and Political Subdivisions Debt Securities
Assets, Fair Value Disclosure, Recurring	71,705	78,031
Equity Securities
Assets, Fair Value Disclosure, Recurring	3,211	3,830
Interest Rate Swap Asset
Assets, Fair Value Disclosure, Recurring	4,463	2,711
Interest Rate Swap Liability
Assets, Fair Value Disclosure, Recurring	$ (4,726)	$ (2,725)

Note 13_ Disclosures About F115

Note 13: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) $ in Thousands	Mar. 31, 2016USD ($)
Impaired Loans
Assets, Fair Value Disclosure, Nonrecurring	$ 23,166
Foreclosed Assets Held For Sale
Assets, Fair Value Disclosure, Nonrecurring	$ 160

Note 13_ Disclosures About F116

Note 13: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details) $ in Thousands	Mar. 31, 2016USD ($)	Dec. 31, 2015USD ($)
Financial Assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 221,731	$ 199,183
Financial Instruments, Owned, at Fair Value	$ 221,731	$ 199,183
Fair Value by Fair Value Hierarchy Level	1	1
Financial Assets | Held-to-maturity Securities
Financial Instruments Owned Carrying Amount	$ 353	$ 353
Financial Instruments, Owned, at Fair Value	$ 382	$ 384
Fair Value by Fair Value Hierarchy Level	2	2
Financial Assets | Mortgage Loans Held for Sale
Financial Instruments Owned Carrying Amount	$ 7,560	$ 12,261
Financial Instruments, Owned, at Fair Value	$ 7,560	$ 12,261
Fair Value by Fair Value Hierarchy Level	2	2
Financial Assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 3,527,580	$ 3,340,536
Financial Instruments, Owned, at Fair Value	$ 3,540,366	$ 3,355,924
Fair Value by Fair Value Hierarchy Level	3	3
Financial Assets | Accrued Interest Receivable
Financial Instruments Owned Carrying Amount	$ 11,335	$ 10,930
Financial Instruments, Owned, at Fair Value	$ 11,335	$ 10,930
Fair Value by Fair Value Hierarchy Level	3	3
Financial Assets | Investment in Federal Home Loan Bank Stock
Financial Instruments Owned Carrying Amount	$ 14,804	$ 15,303
Financial Instruments, Owned, at Fair Value	$ 14,804	$ 15,303
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Deposits
Financial Instruments Owned Carrying Amount	$ 3,468,699	$ 3,268,626
Financial Instruments, Owned, at Fair Value	$ 3,472,921	$ 3,271,318
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Federal Home Loan Bank Advances
Financial Instruments Owned Carrying Amount	$ 31,523	$ 263,546
Financial Instruments, Owned, at Fair Value	$ 33,134	$ 264,331
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Short-term Debt
Financial Instruments Owned Carrying Amount	$ 351,373	$ 117,477
Financial Instruments, Owned, at Fair Value	$ 351,373	$ 117,477
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 25,774	$ 25,774
Financial Instruments, Owned, at Fair Value	$ 25,774	$ 25,774
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Accrued Interest Payable
Financial Instruments Owned Carrying Amount	$ 1,056	$ 1,080
Financial Instruments, Owned, at Fair Value	$ 1,056	$ 1,080
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	$ 137	$ 145
Financial Instruments, Owned, at Fair Value	$ 137	$ 145
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 14_ Derivatives and Hed117

Note 14: Derivatives and Hedging Activities: Nondesignated Hedges (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Interest Rate Swap | Not Designated as Hedging Instrument | Commercial Customers
Derivative, Notional Amount	$ 132,200	$ 123,000

Note 14_ Derivatives and Hed118

Note 14: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Total derivatives designated as hedging instruments	$ 41	$ 128
Asset Derivative Fair Value
Total derivatives not designated as hedging instruments	4,422	2,583
Liability Derivative Fair Value
Total derivatives not designated as hedging instruments	$ 4,726	$ 2,725

Note 14_ Derivatives and Hed119

Note 14: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accumulated Net Gain (Loss) from Cash Flow Hedges Attributable to Parent | Interest Rate Cap
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net	$ (30)	$ (96)

Note 16_ Acquisition of Loan120

Note 16: Acquisition of Loans, Deposits and Branches: Schedule of Recognized Identified Assets Acquired and Liabilities Assumed (Details) $ in Thousands	Jan. 29, 2016USD ($)
Details
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	$ 44,363
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Receivables	157,524
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property, Plant, and Equipment	17,990
Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Accrued Interest Receivable	410
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Indefinite-Lived Intangible Assets	4,424
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets	224,811
Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Deposits	228,528
Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Accrued Interest Payable	50
Business Combination Recognized Identifiable Assets Acquired and Liabilities Assumed Advances From Borrowers for Taxes and Insurance	403
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Accounts Payable	20
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities	228,598
Business Acquisition, Goodwill, Expected Tax Deductible Amount	$ 4,069

Note 16_ Acquisition of Loan121

Note 16: Acquisition of Loans, Deposits and Branches: Schedule of Acquired Loans Performing and Nonperforming (Details) - Fifth Third Bank $ in Thousands	Jan. 29, 2016USD ($)
Deposit premium per Purchase and Assumption Agreement	$ (7,135)
Core Deposit Intangible	4,424
Goodwill recognized on business acquisition	4,228
Purchase Accounting Adjustments
Deposits Assets	(277)
Bank Loans	(1,340)
Deferred Income Tax Assets, Net	$ 100