Great Southern Bancorp (GSBC) 10-K 3 Mar 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2016	Mar. 01, 2017	Jun. 30, 2016
Document and Entity Information:
Entity Registrant Name	Great Southern Bancorp Inc
Document Type	10-K
Document Period End Date	Dec. 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		14,006,625
Entity Public Float			$ 392,225,119
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	FY

Great Southern Bancorp, Inc. --

Great Southern Bancorp, Inc. -- Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash	$ 120,203	$ 115,198
Interest-bearing deposits in other financial institutions	159,566	83,985
Cash and cash equivalents	279,769	199,183
Available-for-sale securities	213,872	262,856
Held-to-maturity securities	247	353
Mortgage loans held for sale	16,445	12,261
Loans receivable, net	3,759,966	3,340,536
FDIC indemnification asset	13,145	24,082
Interest receivable	11,875	10,930
Prepaid expenses and other assets	45,649	59,322
Other real estate owned, net	32,658	31,893
Premises and equipment, net	140,596	129,655
Goodwill and other intangible assets	12,500	5,758
Federal Home Loan Bank stock	13,034	15,303
Current and deferred income taxes	10,907	12,057
Total assets	4,550,663	4,104,189
Liabilities
Deposits	3,677,230	3,268,626
Federal Home Loan Bank advances	31,452	263,546
Securities sold under reverse repurchase agreements with customers	113,700	116,182
Short-term borrowings	172,323	1,295
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	73,537
Accrued interest payable	2,723	1,080
Advances from borrowers for taxes and insurance	4,643	4,681
Accrued expenses and other liabilities	19,475	24,778
Total liabilities	4,120,857	3,705,962
Capital stock
Common stock	140	139
Additional paid-in capital	25,942	24,371
Retained earnings	402,166	368,053
Accumulated other comprehensive income, net	1,558	5,664
Total stockholders' equity	429,806	398,227
Total liabilities and stockholders' equity	$ 4,550,663	$ 4,104,189

Great Southern Bancorp, Inc. -

Great Southern Bancorp, Inc. - Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Statements of Financial Condition
Allowance for loan losses	$ 37,400	$ 38,149
Serial preferred stock
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, authorized shares	1,000,000	1,000,000
Preferred stock, issued shares	0	0
Preferred stock, outstanding shares	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, authorized shares	20,000,000	20,000,000
Common stock, issued shares	13,968,386	13,887,932
Common stock, outstanding shares	13,968,386	13,887,932
Income tax expense on change in unrealized holding gain on available-for-sale securities	$ 887	$ 3,227

Great Southern Bancorp, Inc. -4

Great Southern Bancorp, Inc. -- Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest Income
Loans	$ 178,883	$ 177,240	$ 172,569
Investment securities and other	6,292	7,111	10,793
Total interest income	185,175	184,351	183,362
Interest Expense
Deposits	17,387	13,511	11,225
Federal Home Loan Bank advances	1,214	1,707	2,910
Short-term borrowings and repurchase agreements	1,137	65	1,099
Subordinated debentures issued to capital trust	803	714	567
Subordinated notes	1,578
Total interest expense	22,119	15,997	15,801
Net Interest Income	163,056	168,354	167,561
Provision for Loan Losses	9,281	5,519	4,151
Net Interest Income After Provision for Loan Losses	153,775	162,835	163,410
Noninterest Income
Commissions	1,097	1,136	1,163
Service charges and ATM fees	21,666	19,841	19,075
Net gains on loan sales	3,941	3,888	4,133
Net realized gains on sales of available-for-sale securities	2,873	2	2,139
Late charges and fees on loans	1,747	2,129	1,400
Gain (loss) on derivative interest rate products	66	(43)	(345)
Gain recognized on business acquisitions			10,805
Accretion (amortization) of income/expense related to business acquisitions	(6,935)	(18,345)	(27,868)
Other noninterest income	4,055	4,973	4,229
Total noninterest income	28,510	13,581	14,731
Noninterest Expense
Salaries and employee benefits	60,377	58,682	56,032
Net occupancy expense	26,077	25,985	23,541
Postage	3,791	3,787	3,578
Insurance	3,482	3,566	3,837
Advertising	2,228	2,317	2,404
Office supplies and printing	1,708	1,333	1,464
Telephone	3,483	3,235	2,866
Legal, audit and other professional fees	3,191	2,713	3,957
Expense on other real estate owned	4,111	2,526	5,636
Partnership tax credit investment amortization	1,681	1,680	1,720
Acquired deposit intangible asset amortization	1,910	1,750	1,519
Other operating expenses	8,388	6,776	14,305
Total noninterest expense	120,427	114,350	120,859
Income Before Income Taxes	61,858	62,066	57,282
Provision for Income Taxes	16,516	15,564	13,753
Net Income	45,342	46,502	43,529
Preferred Stock Dividends		554	579
Net Income Available to Common Shareholders	$ 45,342	$ 45,948	$ 42,950
Earnings Per Common Share
Basic	$ 3.26	$ 3.33	$ 3.14
Diluted	$ 3.21	$ 3.28	$ 3.10

Great Southern Bancorp, Inc. -5

Great Southern Bancorp, Inc. -- Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Statements of Comprehensive Income
Net Income	$ 45,342	$ 46,502	$ 43,529
Unrealized appreciation (depreciation) on available-for-sale securities, net	(2,363)	(1,321)	6,128
Less: reclassification adjustment for gains included in net income, net	(1,830)	(1)	(1,390)
Change in fair value of cash flow hedge, net	87	(50)	(164)
Other comprehensive income (loss)	(4,106)	(1,372)	4,574
Comprehensive Income	$ 41,236	$ 45,130	$ 48,103

Great Southern Bancorp, Inc. -6

Great Southern Bancorp, Inc. -- Consolidated Statements of Comprehensive Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Statements of Comprehensive Income
Tax effect of unrealized appreciation (depreciation) on available-for-sale securities, taxes (credit)	$ (1,346)	$ (528)	$ 3,301
Tax effect reclassification adjustment for gains included in net income, taxes (credit)	(1,043)	(1)	(749)
Tax effect of change in fair value of cash flow hedge, taxes (credit)	$ 50	$ (34)	$ (88)

Great Southern Bancorp, Inc. -7

Great Southern Bancorp, Inc. -- Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	SBLF Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total
Balance beginning of period at Dec. 31, 2013	$ 57,943	$ 137	$ 19,567	$ 300,589	$ 2,462		$ 380,698
Net income				43,529			43,529
Stock issued under Stock Option Plan			2,778			$ 225	3,003
Common dividends declared				(10,968)			(10,968)	[1]
SBLF preferred stock dividends accrued				(579)			(579)	[2]
Other comprehensive income (loss)					4,574		4,574
Reclassification of treasury stock per Maryland law		1		(288)		287
Purchase of the Company's common stock						(512)	(512)
Balance end of period at Dec. 31, 2014	57,943	138	22,345	332,283	7,036		419,745
Balance beginning of period at Dec. 31, 2014	57,943	138	22,345	332,283	7,036		419,745
Net income				46,502			46,502
Stock issued under Stock Option Plan			2,026			1,718	3,744
Common dividends declared				(11,896)			(11,896)	[3]
SBLF preferred stock dividends accrued				(553)			(553)	[2]
Redemption of SBLF preferred stock at Dec. 31, 2015	$ (57,943)						(57,943)
Other comprehensive income (loss)					(1,372)		(1,372)
Reclassification of treasury stock per Maryland law		1		1,717		(1,718)
Balance end of period at Dec. 31, 2015		139	24,371	368,053	5,664		398,227
Balance beginning of period at Dec. 31, 2015		139	24,371	368,053	5,664		398,227
Net income				45,342			45,342
Stock issued under Stock Option Plan			1,571			1,022	2,593
Common dividends declared				(12,250)			(12,250)	[4]
Other comprehensive income (loss)					(4,106)		(4,106)
Reclassification of treasury stock per Maryland law		1		1,021		$ (1,022)
Balance end of period at Dec. 31, 2016		$ 140	$ 25,942	$ 402,166	$ 1,558		$ 429,806
[1]	$.80 per share
[2]	1.0%
[3]	$.86 per share
[4]	$.88 per share

Great Southern Bancorp, Inc. -8

Great Southern Bancorp, Inc. -- Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Operating Activities
Net income	$ 45,342	$ 46,502	$ 43,529
Proceeds from sales of loans held for sale	156,835	158,730	156,632
Originations of loans held for sale	(156,036)	(155,680)	(160,074)
Items not requiring (providing) cash
Depreciation	9,816	10,465	8,747
Amortization	3,656	3,430	3,242
Compensation expense for stock option grants	483	382	565
Provision for loan losses	9,281	5,519	4,151
Net gains on loan sales	(3,941)	(3,888)	(4,133)
Net realized gains on available-for-sale securities	(2,873)	(2)	(2,139)
Gain on sale of non-marketable securities		(301)
Gain on redemption of trust preferred securities		(1,115)
(Gain) loss on sale of premises and equipment	(249)	(465)	18
(Gain) loss on sale/write-down of other real estate owned	489	(1,132)	2,996
Gain on purchase of additional business units			(10,805)
Gain on sale of business units	(368)
Amortization of deferred income, premiums, discounts and other	4,423	10,595	22,692
(Gain) loss on derivative interest rate products	(66)	43	345
Deferred income taxes	(3,621)	(4,670)	(6,260)
Changes in
Interest receivable	(535)	289	1,227
Prepaid expenses and other assets	12,655	3,982	8,430
Accrued expenses and other liabilities	(2,720)	3,354	502
Income taxes refundable/payable	7,484	(4,609)	(2,232)
Net cash provided by operating activities	80,055	71,429	67,433
Investing Activities
Net change in loans	(79,891)	(190,154)	(340,135)
Purchase of loans	(210,810)	(117,634)	(101,832)
Proceeds from sale of student loans	368
Cash received from purchase of additional business units	44,363		189,437
Cash received from FDIC loss sharing reimbursements	831	2,599	8,377
Cash paid for sale of business units	(17,821)
Purchase of premises and equipment	(10,878)	(16,697)	(17,954)
Proceeds from sale of premises and equipment	1,178	1,883	203
Proceeds from sale of foreclosed assets	28,362	23,497	21,706
Capitalized costs on foreclosed assets	(146)	(20)	(199)
Proceeds from sale of non-marketable securities		351
Proceeds from maturities, calls and repayments of held-to-maturity securities	106	97	355
Proceeds from sale of available-for-sale securities	55,000	56,169	220,169
Proceeds from maturities, calls and repayments of available-for-sale securities	60,827	63,463	103,475
Purchase of available-for-sale securities	(71,904)	(21,339)	(40,661)
(Purchase) redemption of Federal Home Loan Bank stock	2,269	1,590	(7,071)
Net cash provided by (used in) investing activities	(198,146)	(196,195)	35,870
Financing Activities
Net increase (decrease) in certificates of deposit	162,763	191,224	(116,139)
Net increase (decrease) in checking and savings accounts	36,126	87,113	(160,144)
Proceeds from Federal Home Loan Bank advances	1,793,000	6,509,500	4,231,000
Repayments of Federal Home Loan Bank advances	(2,025,070)	(6,517,564)	(4,083,315)
Net increase (decrease) in short term borrowings	168,546	(93,967)	74,768
Proceeds from issuance of subordinated notes	73,472
Repayments of structured repurchase borrowings			(50,000)
Advances from (to) borrowers for taxes and insurance	(38)	(248)	580
Redemption of trust preferred securities		(3,885)
Redemption of preferred stock		(57,943)
Dividends paid	(12,232)	(12,290)	(11,257)
Purchase of the Company's common stock			(512)
Stock options exercised	2,110	3,362	2,438
Net cash provided by (used in) financing activities	198,677	105,302	(112,581)
Increase (Decrease) in Cash and Cash Equivalents	80,586	(19,464)	(9,278)
Cash and Cash Equivalents, Beginning of Year	199,183	218,647	227,925
Cash and Cash Equivalents, End of Year	$ 279,769	$ 199,183	$ 218,647

Note 1_ Nature of Operations an

Note 1: Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2016
Notes
Note 1: Nature of Operations and Summary of Significant Accounting Policies	Note 1: Nature of Operations and Summary of Significant Accounting Policies Nature of Operations and Operating Segments Great Southern Bancorp, Inc. (“GSBC” or the “Company”) operates as a one-bank holding company. GSBC’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Company and the Bank are subject to regulation certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others . The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements . Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the valuation of loans acquired with indication of impairment, the valuation of the FDIC indemnification asset and other-than-temporary impairments (OTTI) and fair values of financial instruments. In connection with the determination of the allowance for loan losses and the valuation of foreclosed assets held for sale, management obtains independent appraisals for significant properties. The valuation of the FDIC indemnification asset is determined in relation to the fair value of assets acquired through FDIC-assisted transactions for which cash flows are monitored on an ongoing basis. Company considers that the determination of the carrying value of involves a high degree of judgment and complexity. Principles of Consolidation The consolidated financial statements include the accounts of Great Southern Bancorp, Inc., its wholly owned subsidiary, the Bank, and the Bank’s wholly owned subsidiaries, Great Southern Real Estate Development Corporation, GSB One LLC (including its wholly owned subsidiary, GSB Two LLC), Great Southern Financial Corporation, Great Southern Community Development Company, LLC (including its wholly owned subsidiary, Great Southern CDE, LLC), GS, LLC, GSSC, LLC, GS-RE Holding, LLC (including its wholly owned subsidiary, GS RE Management, LLC), GS-RE Holding II, LLC, GS-RE Holding III, LLC, VFP Conclusion Holding, LLC and VFP Conclusion Holding II, LLC. All significant intercompany accounts and transactions have been eliminated in consolidation. Reclassifications Certain prior periods’ amounts have been reclassified to conform to the financial statements presentation. These reclassifications had no effect on net income. Federal Home Loan Bank Stock Federal Home Loan Bank common stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in common stock is based on a predetermined formula, carried at cost and evaluated for impairment. Securities Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Held-to-maturity securities, which include any security for which the Company has the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an recorded in other comprehensive income for the noncredit portion of a previous is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. The Company’s consolidated statements of income reflect the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections. For equity securities, when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other-than-temporary even if a decision to sell has not been made. Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Write-downs to fair value are recognized as a charge to earnings at the time the decline in value occurs. Nonbinding forward commitments to sell individual mortgage loans are generally obtained to reduce market risk on mortgage loans in the process of origination and mortgage loans held for sale. Gains and losses resulting from sales of mortgage loans are recognized when the respective loans are sold to investors. Fees received from borrowers to guarantee the funding of mortgage loans held for sale and fees paid to investors to ensure the ultimate sale of such mortgage loans are recognized as income or expense when the loans are sold or when it becomes evident that the commitment will not be used. Loans Originated by the Company Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balances adjusted for any charge-offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Past due status is based on the contractual terms of a loan. Generally, loans are placed on nonaccrual status at 90 days past due and interest is considered a loss, unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non classified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that determines which loans are reviewed for impairment based on various analyses including annual reviews of large loan relationships, calculations of loan debt coverage ratios as financial information is obtained reviews of all loans over $1.0 million Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length the borrower’s prior payment record and the amount of shortfall in relation to the principal and interest owed. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. In accordance with regulatory guidelines, impairment in the consumer loan portfolio is primarily identified b past-due status. loans Impairment is measured on a loan-by-loan basis for by either the present value of expected future cash flows or the fair value of the collateral if the loan is collateral dependent. Payments made on impaired loans are treated in accordance with the accrual status of the loan. If loans are performing in accordance with their contractual terms but the ultimate collectability of principal and interest is questionable, payments are applied to principal only. Loans Acquired in Business Combinations Loans acquired in business combinations under ASC Topic 805, Business Combinations loans are recorded at fair value in accordance with the fair value methodology prescribed in ASC Topic 820 Fair Value Measurements and Disclosures . No allowance for loan losses related to the acquired loans is recorded on the acquisition date as the fair value of the loans acquired incorporates assumptions regarding credit risk. The fair value estimates associated with the loans include estimates related to expected prepayments and the amount and timing of undiscounted expected principal, interest and other cash flows. For loans not acquired in conjunction with an FDIC-assisted transaction that are not considered to be purchased credit-impaired loans, the Company evaluates loans acquired in accordance with the provisions of ASC Topic 310-20, Nonrefundable Fees and Other Costs impaired loans in accordance with the provisions of ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality purchase dates may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Acquired credit-impaired loans are accounted for under the accounting guidance for loans acquired with deteriorated credit quality initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. The Company evaluates all of loans purchased in conjunction with its FDIC-assisted transactions in accordance with the provisions of ASC Topic 310-30. For purposes of applying ASC 310-30, loans acquired in business combinations are aggregated into pools of loans with common risk characteristics. All loans acquired in the FDIC transactions, both covered and not covered , were deemed to be impaired loans as there is evidence of credit deterioration since origination and probab that not all contractually required payments will be collected. As a result, related discounts are recognized subsequently through accretion based on the expected cash flows of the acquired loans. The expected cash flows of the acquired loan pools in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loan pools or impaired loans accounted for under ASC Topic 310-30. The Company continues to estimate cash flows expected to be collected on pools of loans sharing common risk characteristics, which are treated in the aggregate when applying various valuation techniques. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. FDIC Indemnification Asset Through two FDIC-assisted transactions during 2009, one during 2011 and one during 2012, the Bank acquired certain loans and foreclosed assets which are covered under loss sharing agreements with the FDIC. These agreements commit the FDIC to reimburse the Bank for a portion of realized losses on these covered assets. Therefore, as of the dates of acquisitions, the Company calculated the amount of such reimbursements it expects to receive from the FDIC using the present value of anticipated cash flows from the covered assets based on the credit adjustments estimated for each pool of loans and the estimated losses on foreclosed assets. In accordance with FASB ASC 805, each FDIC Indemnification Asset was initially recorded at its fair value, and is measured separately from the loan assets and foreclosed assets because the loss sharing agreements are not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increases and decreases as the expected and actual cash flows from the covered assets fluctuate, as loans are paid off or impaired and as loans and foreclosed assets are sold. There are no contractual interest rates on these contractual receivables from the FDIC; however, a discount was recorded against the initial balance of the FDIC Indemnification Asset in conjunction with the fair value measurement as this receivable will be collected over the terms of the loss sharing agreements. This discount accreted to income over future periods. These acquisitions and agreements are more fully discussed in Note 4 Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expense on foreclosed assets. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line and accelerated methods over the estimated useful lives of the assets. Leasehold improvements are capitalized and amortized using the straight-line and accelerated methods over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Long-Lived Asset Impairment The Company evaluates the recoverability of the carrying value of long-lived assets whenever events or circumstances indicate the carrying amount may not be recoverable. If a long-lived asset is tested for recoverability and the undiscounted estimated future cash flows expected to result from the use and eventual disposition of the asset is less than the carrying amount of the asset, the asset cost is adjusted to fair value and an impairment loss is recognized as the amount by which the carrying amount of a long-lived asset exceeds its fair value. A valuation allowance of $1.2 million the Company announced plans to consolidate operations of banking centers into other nearby Great Southern banking center locations. The closing of the 14 facilities occurred at the close of business on January 8, 2016. No asset impairment was recognized during the year ended December 31, . Goodwill and Intangible Assets Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill value are not recognized in the financial statements. Intangible assets are being amortized on the straight-line basis over period seven years. Such assets are periodically evaluated as to the recoverability of their carrying value. A summary of goodwill and intangible assets is as follows: December 31, 2016 2015 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 1,169 Deposit intangibles TeamBank — 105 Vantus Bank — 207 Sun Security Bank 613 964 InterBank 327 472 Boulevard Bank 519 641 Valley Bank 1,800 2,200 Fifth Third Bank 3,845 — 7,104 4 ,589 $ 12,500 $ 5,758 Loan Servicing and Origination Fee Income Loan servicing income represents fees earned for servicing real estate mortgage loans owned by various investors. The fees are generally calculated on the outstanding principal balances of the loans serviced and are recorded as income when earned. Loan origination fees, net of direct loan origination costs, are recognized as income using the level-yield method over the contractual life of the loan. Stockholders’ Equity At the 2004 Annual Meeting of Stockholders, the Company’s stockholders approved the Company’s reincorporation to the State of Maryland. This reincorporation was completed in June 2004. Under Maryland law, there is no concept of “Treasury Shares.” Instead, shares purchased by the Company constitute authorized but unissued shares under Maryland law. Accounting principles generally accepted in the United States of America state that accounting for treasury stock shall conform to state law. The cost of shares purchased by the Company has been allocated to common stock and retained earnings balances. Earnings Per Common Share Basic earnings per common share are computed based on the weighted average number of common shares outstanding during each year. Diluted earnings per common share are computed using the weighted average common shares and all potential dilutive common shares outstanding during the period. Earnings per common share (EPS) were computed as follows: 2016 2015 2014 (In Thousands, Except Per Share Data) Net income $ 45,342 $ 46,502 $ 43,529 Net income available to common shareholders $ 45,342 $ 45,948 $ 42,950 Average common shares outstanding 13,912 13,818 13,700 Average common share stock options outstanding 229 182 176 Average diluted common shares 14,141 14,000 13,876 Earnings per common share – basic $ 3.26 $ 3.33 $ 3.14 Earnings per common share – diluted $ 3.21 $ 3.28 $ 3.10 Options outstanding at December 31, , and , to purchase and shares of common stock respectively, were not included in the computation of diluted earnings per share for year because exercise price greater than the average market price of the common for the years ended December 31, , and , respectively. Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 21 Compensation – Stock Compensation, For the years ended December 31, , 201 and 201 , share-based compensation expense totaling $ ,000, $ ,000 and $ ,000, respectively, was included in salaries and employee benefits expense in the consolidated statements of income. Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2016 and 2015 , cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2016 , nearly all of the interest-bearing deposits were uninsured with nearly all of these balances held at the Federal Home Loan Bank or the Federal Reserve Bank. Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, Income Taxes Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. At December 31, 201 and 201 , no valuation allowance was established. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries. Derivatives and Hedging Activities FASB ASC 815, Derivatives and Hedging instruments Note 1 8 . As required by FASB ASC 815, the Company records all derivatives in the statement of financial condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship Restriction on Cash and Due From Banks The Bank is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2016 and 2015 , respectively, was $ 53.8 million and $ 58.9 million . 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 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 In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230) In October 2016, the FASB issued ASU No. 2016-16, Income Taxes (Topic 740) In January 2017, the FASB issued ASU No. 2017-01, Business Combinations - Clarifying the Definition of a Business (Topic 805) In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350)

Note 2_ Investments in Securiti

Note 2: Investments in Securities	12 Months Ended
	Dec. 31, 2016
Notes
Note 2: Investments in Securities	Note 2: Investments in Securities The amortized cost and fair values of securities classified as available-for-sale were as follows: December 31, 2016 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Mortgage-backed securities $ 146,491 $ 1,045 $ 1,501 $ 146,035 States and political subdivisions 64,682 3,163 8 67,837 $ 211,173 $ 4,208 $ 1,509 $ 213,872 December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) U.S. government agencies $ 20,000 $ — $ 219 $ 19,781 Mortgage-backed securities 159,777 2,038 601 161,214 States and political subdivisions 72,951 5,081 1 78,031 Other securities 847 2,983 — 3,830 $ 253,575 $ 10,102 $ 821 $ 262,856 At December 31, , the Company’s mortgage-backed securities portfolio consisted of FHLMC securities totaling $ million FNMA securities totaling $ million and GNMA securities totaling $ million . At December 31, 201 , $ million of the Company’s mortgage-backed securities had variable rates of interest and $ million had fixed rates of interest. The amortized cost and fair value of available-for-sale securities at December 31, 201 , by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) After one through five years $ 633 $ 642 After five through ten years 7,987 8,189 After ten years 56,062 59,006 Securities not due on a single maturity date 146,491 146,035 $ 211,173 $ 213,872 The amortized cost and fair values of securities classified as held to maturity were as follows: December 31, 2016 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 247 $ 11 $ — $ 258 December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 353 $ 31 $ — $ 384 The held-to-maturity securities at December 31, 201 , by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) After one through five years $ 247 $ 258 The amortized cost and fair values of securities pledged as collateral was as follows at December 31, 201 and 201 : 2016 2015 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 57,841 $ 59,082 $ 60,355 $ 62,288 Collateralized borrowing accounts 98,787 97,498 131,813 131,950 Other 6,599 6,813 5,149 5,330 $ 163,227 $ 163,393 $ 197,317 $ 199,568 Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, and , was approximately $ million and $ million , respectively, which is approximately % and % of the Company’s available-for-sale and held-to-maturity investment portfolio, respectively. Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary. The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, and : 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 $ 102,296 $ (1,501) $ — $ — $ 102,296 $ (1,501) States and political subdivisions 2,164 (8) — — 2,164 (8 $ 104,460 $ (1,509 $ — $ — $ 104,460 $ (1,509 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 $ 19,781 $ (219) $ — $ — $ 19,781 $ (219) Mortgage-backed securities 45,146 (348) 9,382 (253) 54,528 (601) States and political subdivisions — — 909 (1) 909 (1 $ 64,927 $ (567 $ 10,291 $ (254 $ 75,218 $ (821 Other-than-Temporary Impairment Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model. The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets. The Company routinely conducts periodic reviews to identify and evaluate each investment security to determine whether an other-than-temporary impairment has occurred. The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors. If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other than temporary. The Company uses quoted market prices for marketable equity securities and uses broker pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange. For nonagency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss. The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows. If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings. During and 201 , no securities were determined to have impairment that had become other than temporary. Credit Losses Recognized on Investments There were no debt securities have experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.

Note 3_ Loans and Allowance For

Note 3: Loans and Allowance For Loan Losses	12 Months Ended
	Dec. 31, 2016
Notes
Note 3: Loans and Allowance For Loan Losses	Note 3: Loans and Allowance for Loan Losses Classes of loans at December 31, and , included: 2016 2015 (In Thousands) One- to four-family residential construction $ 21,737 $ 23,526 Subdivision construction 17,186 38,504 Land development 50,624 58,440 Commercial construction 780,614 600,794 Owner occupied one- to four-family residential 200,340 110,277 Non-owner occupied one- to four-family residential 136,924 149,874 Commercial real estate 1,186,906 1,043,474 Other residential 663,378 419,549 Commercial business 348,628 357,580 Industrial revenue bonds 25,065 37,362 Consumer auto 494,233 439,895 Consumer other 70,001 74,829 Home equity lines of credit 108,753 83,966 Acquired FDIC-covered loans, net of discounts 134,356 236,071 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 72,569 33,338 Acquired non-covered loans, net of discounts 76,234 93,436 4,387,548 3,800,915 Undisbursed portion of loans in process (585,313) (418,702) Allowance for loan losses (37,400) (38,149) Deferred loan fees and gains, net (4,869 (3,528 $ 3,759,966 $ 3,340,536 Classes of loans by aging were as follows: December 31, 2016 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 $ — $ — $ — $ — $ 21,737 $ 21,737 $ — Subdivision construction — — 109 109 17,077 17,186 — Land development 413 584 1,718 2,715 47,909 50,624 — Commercial construction — — — — 780,614 780,614 — Owner occupied one- to four- family residential 1,760 388 1,125 3,273 197,067 200,340 — Non-owner occupied one- to four-family residential 309 278 404 991 135,933 136,924 — Commercial real estate 1,969 1,988 4,404 8,361 1,178,545 1,186,906 — Other residential 4,632 — 162 4,794 658,584 663,378 — Commercial business 1,741 24 3,088 4,853 343,775 348,628 — Industrial revenue bonds — — — — 25,065 25,065 — Consumer auto 8,252 2,451 1,989 12,692 481,541 494,233 — Consumer other 1,103 278 649 2,030 67,971 70,001 — Home equity lines of credit 136 158 433 727 108,026 108,753 — Acquired FDIC-covered loans, net of discounts 4,476 1,201 8,226 13,903 120,453 134,356 301 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 1,356 552 1,401 3,309 69,260 72,569 222 Acquired non-covered loans, net of discounts 851 173 2,854 3,878 72,356 76,234 — 26,998 8,075 26,562 61,635 4,325,913 4,387,548 523 Less FDIC-supported loans, and acquired non-covered loans, net of discounts 6,683 1,926 12,481 21,090 262,069 283,159 523 Total $ 20,315 $ 6,149 $ 14,081 $ 40,545 $ 4,063,844 $ 4,104,389 $ — 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 are summarized as follows: December 31, 2016 2015 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction 109 — Land development 1,718 139 Commercial construction — — Owner occupied one- to four-family residential 1,125 715 Non-owner occupied one- to four-family residential 404 345 Commercial real estate 4,404 13,488 Other residential 162 — Commercial business 3,088 288 Industrial revenue bonds — — Consumer auto 1,989 721 Consumer other 649 576 Home equity lines of credit 433 297 Total $ 14,081 $ 16,569 The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2016, 2015 and 2014, respectively. 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 the years ended December 31, 2016, 2015, and 2014, respectively: December 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 (2,407) 2,260 5,632 (827) (926) 5,549 9,281 Losses charged off (229) (16) (5,653) (31) (589) (8,751) (15,269) Recoveries 58 52 1,221 123 327 3,458 5,239 Balance, December 31, 2016 $ 2,322 $ 5,486 $ 15,938 $ 2,284 $ 3,015 $ 8,355 $ 37,400 Ending balance: Individually evaluated for impairment $ 570 $ — $ 2,209 $ 1,291 $ 1,295 $ 997 $ 6,362 Collectively evaluated for impairment $ 1,628 $ 5,396 $ 13,507 $ 953 $ 1,681 $ 7,248 $ 30,413 Loans acquired and accounted for under ASC 310-30 $ 124 $ 90 $ 222 $ 40 $ 39 $ 110 $ 625 Loans Individually evaluated for impairment $ 6,015 $ 3,812 $ 10,507 $ 6,023 $ 4,539 $ 3,385 $ 34,281 Collectively evaluated for impairment $ 370,172 $ 659,566 $ 1,176,399 $ 825,215 $ 369,154 $ 669,602 $ 4,070,108 Loans acquired and accounted for under ASC 310-30 $ 155,378 $ 29,600 $ 54,208 $ 2,191 $ 6,429 $ 35,353 $ 283,159 December 31, 2015 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2015 $ 3,455 $ 2,941 $ 19,773 $ 3,562 $ 3,679 $ 5,025 $ 38,435 Provision (benefit) charged to expense 1,428 193 (2,753) (619) 1,450 5,820 5,519 Losses charged off (80) (2) (2,584) (329) (1,202) (5,315) (9,512) Recoveries 97 58 302 405 276 2,569 3,707 Balance, December 31, 2015 $ 4,900 $ 3,190 $ 14,738 $ 3,019 $ 4,203 $ 8,099 $ 38,149 Ending balance: Individually evaluated for impairment $ 731 $ — $ 2,556 $ 1,391 $ 1,115 $ 300 $ 6,093 Collectively evaluated for impairment $ 3,464 $ 3,122 $ 11,888 $ 1,570 $ 2,862 $ 7,647 $ 30,553 Loans acquired and accounted for under ASC 310-30 $ 705 $ 68 $ 294 $ 58 $ 226 $ 152 $ 1,503 Loans Individually evaluated for impairment $ 6,129 $ 9,533 $ 34,629 $ 7,555 $ 2,365 $ 1,950 $ 62,161 Collectively evaluated for impairment $ 316,052 $ 410,016 $ 1,008,845 $ 651,679 $ 392,577 $ 596,740 $ 3,375,909 Loans acquired and accounted for under ASC 310-30 $ 194,697 $ 35,945 $ 73,148 $ 4,981 $ 10,500 $ 43,574 $ 362,845 December 31, 2014 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2014 $ 6,235 $ 2,678 $ 16,939 $ 4,464 $ 6,451 $ 3,349 $ 40,116 Provision (benefit) charged to expense (1,025) 227 1,855 (957) 409 3,642 4,151 Losses charged off (2,251) (1) (2,160) (126) (3,286) (4,005) (11,829) Recoveries 496 37 3,139 181 105 2,039 5,997 Balance, December 31, 2014 $ 3,455 $ 2,941 $ 19,773 $ 3,562 $ 3,679 $ 5,025 $ 38,435 Ending balance: Individually evaluated for impairment $ 829 $ — $ 1,751 $ 1,507 $ 823 $ 232 $ 5,142 Collectively evaluated for impairment $ 2,532 $ 2,923 $ 16,671 $ 1,905 $ 2,805 $ 4,321 $ 31,157 Loans acquired and accounted for under ASC 310-30 $ 94 $ 18 $ 1,351 $ 150 $ 51 $ 472 $ 2,136 Loans Individually evaluated for impairment $ 11,488 $ 9,804 $ 28,641 $ 7,601 $ 2,725 $ 1,480 $ 61,739 Collectively evaluated for impairment $ 288,066 $ 382,610 $ 917,235 $ 437,424 $ 392,348 $ 466,174 $ 2,883,857 Loans acquired and accounted for under ASC 310-30 $ 234,158 $ 48,470 $ 107,278 $ 1,937 $ 17,789 $ 48,903 $ 458,535 The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 3 · · · · · · The weighted average interest rate on loans receivable at December 31, 2016 and 2015, was 4.58% and 4.56%, respectively. Loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balances of loans serviced for others were $266.2 million and $237.7 million at December 31, 2016 and 2015, respectively. In addition, available lines of credit on these loans were $60.5 million and $32.3 million at December 31, 2016 and 2015, respectively. A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16) when, based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. The following summarizes information regarding impaired loans at and during the years ended December 31, 2016, 2015 and 2014: Year Ended December 31, 2016 December 31, 2016 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ — Subdivision construction 818 829 131 948 46 Land development 6,023 6,120 1,291 8,020 304 Commercial construction — — — — — Owner occupied one- to four-family residential 3,290 3,555 375 3,267 182 Non-owner occupied one- to four-family residential 1,907 2,177 65 1,886 113 Commercial real estate 10,507 12,121 2,209 23,928 984 Other residential 3,812 3,812 — 6,813 258 Commercial business 4,539 4,652 1,294 2,542 185 Industrial revenue bonds — — — — — Consumer auto 2,097 2,178 629 1,307 141 Consumer other 812 887 244 884 70 Home equity lines of credit 476 492 124 417 32 Total $ 34,281 $ 36,823 $ 6,362 $ 50,012 $ 2,315 Year Ended December 31, 2015 December 31, 2015 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ 633 $ 35 Subdivision construction 1,061 1,061 214 3,533 109 Land development 7,555 7,644 1,391 7,432 287 Commercial construction — — — — — Owner occupied one- to four-family residential 3,166 3,427 389 3,587 179 Non-owner occupied one- to four-family residential 1,902 2,138 128 1,769 100 Commercial real estate 34,629 37,259 2,556 28,610 1,594 Other residential 9,533 9,533 — 9,670 378 Commercial business 2,365 2,539 1,115 2,268 138 Industrial revenue bonds — — — — — Consumer auto 791 829 119 576 59 Consumer other 802 885 120 672 74 Home equity lines of credit 357 374 61 403 27 Total $ 62,161 $ 65,689 $ 6,093 $ 59,153 $ 2,980 Year Ended December 31, 2014 December 31, 2014 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ 1,312 $ 1,312 $ — $ 173 $ 76 Subdivision construction 4,540 4,540 344 2,593 226 Land development 7,601 8,044 1,507 9,691 292 Commercial construction — — — — — Owner occupied one- to four-family residential 3,747 4,094 407 4,808 212 Non-owner occupied one- to four-family residential 1,889 2,113 78 4,010 94 Commercial real estate 28,641 30,781 1,751 29,808 1,253 Other residential 9,804 9,804 — 10,469 407 Commercial business 2,725 2,750 823 2,579 158 Industrial revenue bonds — — — 2,644 — Consumer auto 420 507 63 219 37 Consumer other 629 765 94 676 71 Home equity lines of credit 431 476 75 461 25 Total $ 61,739 $ 65,186 $ 5,142 $ 68,131 $ 2,851 At December 31, 2016, $18.1 million of impaired loans had specific valuation allowances totaling $6.4 million. At December 31, 2015, $25.1 million of impaired loans had specific valuation allowances totaling $6.1 million. At December 31, 2014, $20.0 million of impaired loans had specific valuation allowances totaling $5.1 million. For impaired loans which were nonaccruing, interest of approximately $1.5 million, $1.0 million and $1.1 million would have been recognized on an accrual basis during the years ended December 31, 2016, 2015 and 2014, respectively. Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach. The following table presents newly restructured loans during 201 and 201 by type of modification: 2016 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ 60 $ — $ — $ 60 Commercial 2,946 — — 2,946 Construction and land development 429 — — 429 Commercial business — 38 — 38 Consumer — 59 — 59 $ 3,435 $ 97 $ — $ 3,532 2015 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ — $ 407 $ 164 $ 571 Commercial — 115 — 115 Commercial business — 1,095 — 1,095 Consumer — 97 — 97 $ — $ 1,714 $ 164 $ 1,878 2014 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One- to four-family residential construction $ — $ — $ 223 $ 223 Subdivision construction — 250 — 250 Residential one-to-four family 308 426 — 734 Commercial 506 1,928 — 2,434 Other residential — 1,881 — 1,881 Commercial — 1,150 — 1,150 Consumer — 145 — 145 $ 814 $ 5,780 $ 223 $ 6,817 At December 31, , the Company had $ million of loans that were modified in troubled debt restructurings and impaired, as follows: $ million of construction and land development loans, $ million of single family and multi-family residential mortgage loans, $ million of commercial real estate loans, $ million of commercial business loans and $ ,000 of consumer loans. Of the total troubled debt restructurings at December 31, , $ million were accruing interest and $ million were classified as substandard using the Company’s internal grading system which is described below. The Company had troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the year ended December 31, When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. At December 31, , the Company had $ million of loans that were modified in troubled debt restructurings and impaired, as follows: $ million of construction and land development loans, $13. million of single family and multi-family residential mortgage loans, $2 .3 million of commercial real estate loans, $ million of commercial business loans and $3 ,000 of consumer loans. Of the total troubled debt restructurings at December 31, , $ million were accruing interest and $1 million were classified as substandard using the Company’s internal grading system At December 31, 2014, the Company had $47.6 million of loans that were modified in troubled debt restructurings and impaired, as follows: $8.3 million of construction and land development loans, $13.8 million of single family and multi-family residential mortgage loans, $23.3 million of commercial real estate loans, $1.9 million of commercial business loans and $324 ,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2014, $39.2 million were accruing interest and $18.3 million were classified as substandard using the Company’s internal grading system. During the year ended December 31, , borrowers with loans designated as troubled debt restructurings totaling $ met the criteria for placement back on accrual status. This criteria is a minimum of six months of payment performance under or modified terms. The $ was made up of $ of residential mortgage loans consumer loans. The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The acquired FDIC-covered and previously covered loans are evaluated using this internal grading system. These loans are accounted for in pools and the loans acquired in the Inter Savings Bank FDIC transaction are currently substantially covered through loss sharing agreements with the FDIC. The acquired non-covered loans are also evaluated using this internal grading system, and are also accounted for in pools. Minimal adverse classification in these acquired loan pools was identified as of December 31, 2016 and 2015, respectively. See Note 4 The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis. In the fourth quarter of 2014, the Company began using a three-year average of historical losses for the general component of the allowance for loan loss calculation. The Company had previously used a five-year average. The Company believes that the three-year average provides a better representation of the current risks in the loan portfolio. This change was made after consultation with our regulators and other third-party consultants, as well as a review of the practices used by the Company’s peers. This change did not materially affect the level of the allowance for loan losses. The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, the current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings. Management considers all these factors in determining the adequacy of its allowance for loan losses. No other significant changes were made to the loan risk grading system definitions and allowance for loan loss methodology during the past year. The loan grading system is presented by loan class below: December 31, 2016 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 20,771 $ 966 $ — $ — $ — $ 21,737 Subdivision construction 14,059 2,729 — 398 — 17,186 Land development 39,925 5,140 — 5,559 — 50,624 Commercial construction 780,614 — — — — 780,614 Owner occupied one- to-four- family residential 198,835 67 — 1,438 — 200,340 Non-owner occupied one- to- four-family residential 135,930 465 — 529 — 136,924 Commercial real estate 1,160,280 20,154 — 6,472 — 1,186,906 Other residential 658,846 4,370 — 162 — 663,378 Commercial business 342,685 2,651 — 3,292 — 348,628 Industrial revenue bonds 25,065 — — — — 25,065 Consumer auto 492,165 — — 2,068 — 494,233 Consumer other 69,338 — — 663 — 70,001 Home equity lines of credit 108,290 — — 463 — 108,753 Acquired FDIC-covered loans, net of discounts 134,356 — — — — 134,356 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 72,552 — — 17 — 72,569 Acquired non-covered loans, net of discounts 76,234 — — — — 76,234 Total $ 4,329,945 $ 36,542 $ — $ 21,061 $ — $ 4,387,548 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 Certain of the Bank’s real estate loans are pledged as collateral for borrowings as set forth in Notes 9 11 Certain directors and executive officers of the Company and the Bank are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit. At December 31, 201 and 201 , loans outstanding to these directors and executive officers are summarized as follows: 2016 2015 (In Thousands) Balance, beginning of year $14,287 $16,028 New loans 14,299 3,390 Payments (3,793) (5,131) Balance, end of year $24,793 $14,287

Note 4_ Acquired Loans, Loss Sh

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	12 Months Ended
	Dec. 31, 2016
Notes
Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets TeamBank On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The loans, commitments and foreclosed assets purchased in the TeamBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank 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 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. 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. Vantus Bank On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank 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 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. The five-year period ended 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. Sun Security Bank On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC agreed to cover 80% of the losses on the loans (excluding approximately $4 million of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2016, 2015 and 2014 was $0, $0 and $105,000, respectively. InterBank On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC has agreed to cover 80% of the losses on the loans (excluding approximately $60,000 of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The Bank recorded the fair value of the acquired loans at their estimated fair value of $285.5 million and the related FDIC indemnification asset was recorded at its estimated fair value of $84.0 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2016, 2015 and 2014 was $359,000, $459,000 and $544,000, respectively. Valley Bank 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, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa. This transaction did not include a loss sharing agreement. In this transaction, the Company acquired assets with a fair value of approximately $378.7 million (approximately 10.0% of the Company’s total consolidated assets at acquisition) and assumed liabilities with a fair value of approximately $367.9 million (approximately 9.8% of the Company’s total consolidated assets at acquisition). Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a one-time gain of $10.8 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2014. During 2014, the Company continued to analyze its estimates of the fair values of the assets acquired and liabilities assumed. The Company finalized its analysis of these assets and liabilities without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $165.1 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2016, 2015 and 2014 was $491,000, $794,000 and $501,000, respectively. Loss Sharing Agreements On April 26, 2016, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for TeamBank, Vantus Bank and Sun Security Bank, effective immediately. The agreement required the FDIC to pay $4.4 million to settle all outstanding items related to the terminated loss sharing agreements. As a result of entering into the agreement, assets that were covered by the terminated loss sharing agreements, including covered loans in the amount of $61.5 million and covered other real estate owned in the amount of $468,000 as of March 31, 2016, were reclassified as non-covered assets effective April 26, 2016. In anticipation of terminating the loss sharing agreements, an impairment of the related indemnification assets was recorded during the three months ended March 31, 2016 in the amount of $584,000. On the date of the termination, the indemnification asset balances (and certain other receivables from the FDIC) related to TeamBank, Vantus Bank and Sun Security Bank, which totaled $4.4 million, net of impairment, at March 31, 2016, became $-0- as a result of the receipt of funds from the FDIC as outlined in the termination agreement. There will be no future effects on non-interest income (expense) related to adjustments or amortization of the indemnification assets for TeamBank, Vantus Bank or Sun Security Bank; however, adjustments and amortization related to the InterBank indemnification asset and loss sharing agreement will continue. The remaining accretable yield adjustments that affect interest income are not changed by this transaction and will continue to be recognized for all FDIC-assisted transactions in the same manner as they have been previously. The termination of the loss sharing agreements for the TeamBank, Vantus Bank and Sun Security Bank transactions have no impact on the yields for the loans that were previously covered under these agreements. All post-termination recoveries, gains, losses and expenses related to these previously covered assets are recognized entirely by Great Southern Bank since the FDIC no longer shares in such gains or losses. Accordingly, the Company’s earnings are 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 At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates. This valuation of the acquired loans is a significant component leading to the valuation of the loss sharing assets recorded. The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. The Company continues to evaluate the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the years ended December 31, , 201 and 201 , increases in expected cash flows related to the acquired loan portfolios resulted in adjustments to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements . This resulted in corresponding adjustments during the years ended December 31, , 201 and 201 , to the indemnification assets to be amortized on a level-yield basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever is shorter. The amounts of these adjustments were as follows: Year Ended December 31, 2016 2015 2014 (In Thousands) Increase in accretable yield due to increased cash flow expectations $ 10,598 $ 13,720 $ 31,461 Decrease in FDIC indemnification asset as a result of accretable yield increase (2,744) (5,056) (23,129) The adjustments, along with those made in previous years, impacted the Company’s Consolidated Statements of Income as follows: Year Ended December 31, 2016 2015 2014 (In Thousands) Interest income $ 16,393 $ 28,531 $ 34,974 Noninterest income (7,033 (19,534 (28,740 Net impact to pre-tax income $ 9,360 $ 8,997 $ 6,234 On an on-going basis the Company estimates the cash flows expected to be collected from the acquired loan pools. For each of the loan portfolios acquired, the cash flow estimates have increased, based on payment histories and reduced loss expectations of the loan pools. This resulted in increased income that was spread on a level-yield basis over the remaining expected lives of the loan pools (and, therefore, has decreased over time). The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements with the FDIC (to the extent such an agreement was in place), which were recorded as indemnification assets. Therefore, the expected indemnification assets had also been reduced each quarter since the fourth quarter of 2010, resulting in adjustments to be amortized on a comparable basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever is shorter. Since the early terminations of all other loss sharing agreements on April 26, 2016, only the loans and other real estate owned acquired in the InterBank transaction have been covered by a loss sharing agreement and have indemnification assets remaining. Additional estimated cash flows totaling approximately $10.6 million were recorded in the year ended December 31, 2016 related to these loan pools, with a corresponding reduction in expected reimbursement from the FDIC (solely related to the InterBank transaction) of approximately $2.7 million in the year ended December 31, 2016. Because these adjustments will be recognized over the remaining lives of the loan pools and the remainder of the loss sharing agreement, respectively, they will impact future periods as well. The remaining accretable yield adjustment that will affect interest income is $ million and the remaining adjustment to the indemnification asset, including the effects of the clawback liability, that will affect non-interest income (expense) is $( million. The $ million of accretable yield adjustment relates to TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank. Of the remaining adjustments, we expect to recognize $ million of interest income and $( ) million of non-interest income (expense) during . Additional adjustments may be recorded in future periods from the FDIC-assisted acquisitions, as the Company continues to estimate expected cash flows from the acquired loan pools. The loss sharing asset is measured separately from the loan portfolio because it is not contractually embedded in the loans and is not transferable with the loans should the Bank choose to dispose of them. Fair value was estimated using projected cash flows available for loss sharing based on the credit adjustments estimated for each loan pool (as discussed above) and the loss sharing percentages outlined in the 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 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. million was recorded of 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. TeamBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the TeamBank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $7 million of charge-downs to customer loan balances . Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 18,838 $ 14 Reclassification from nonaccretable discount to accretable discount due to change in (846) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (17,833 (14) Expected loss remaining $ 159 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 29,115 $ — Reclassification from nonaccretable discount to accretable discount due to change in (1,285) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (27,660 — Expected loss remaining 170 — Assumed loss sharing recovery percentage 90 0 Expected loss sharing value 154 — Indemnification asset to be amortized resulting from — — change in expected losses 241 — FDIC indemnification asset $ 395 $ — Vantus Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Vantus Bank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $16. million of transfers to foreclosed assets and $29. million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 23,712 $ 15 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (239) — Original estimated fair value of assets, net of activity since acquisition date (23,232 (15 Expected loss remaining $ 241 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 31,818 $ 608 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (470) — Original estimated fair value of assets, net of activity since acquisition date (31,092 (418 Expected loss remaining 256 190 Assumed loss sharing recovery percentage 61 0 Expected loss sharing value 156 — Indemnification asset to be amortized resulting from change in expected losses 319 — FDIC indemnification asset $ 475 $ — Sun Security Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Sun Security Bank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $ million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 33,579 $ 365 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,086) — Original estimated fair value of assets, net of activity since acquisition date (31,499 (286 Expected loss remaining $ 994 $ 79 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 43,855 $ 557 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,171) — Original estimated fair value of assets, net of activity since acquisition date (40,349 (461 Expected loss remaining 1,335 96 Assumed loss sharing recovery percentage 34 80 Expected loss sharing value 456 77 Indemnification asset to be amortized resulting from change in expected losses 1,725 — — Accretable discount on FDIC indemnification asset (36 (63 FDIC indemnification asset $ 2,145 $ 14 InterBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the InterBank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 149,657 $ 1,417 Noncredit premium/(discount), net of activity since acquisition date 543 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,984) — Original estimated fair value of assets, net of activity since acquisition date (134,355 (1,417 Expected loss remaining 13,861 — Assumed loss sharing recovery percentage 84 — Expected loss sharing value 11,644 — FDIC loss share clawback 953 — Indemnification asset to be amortized resulting from change in expected losses 1,586 — Accretable discount on FDIC indemnification asset (1,038 — FDIC indemnification asset $ 13,145 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 193,654 $ 2,110 Noncredit premium/(discount), net of activity since acquisition date 902 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (4,901) — Original estimated fair value of assets, net of activity since acquisition date (170,308 (1,392 Expected loss remaining 19,347 718 Assumed loss sharing recovery percentage 83 80 Expected loss sharing value 16,032 575 FDIC loss share clawback 2,360 — Indemnification asset to be amortized resulting from change in expected losses 3,920 — Accretable discount on FDIC indemnification asset (1,801 (33 FDIC indemnification asset $ 20,511 $ 542 Valley Bank Loans and Foreclosed Assets The following tables present the balances of the loans and discount related to the Valley Bank transaction at December 31, ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. The Valley Bank transaction did not include a loss sharing agreement; however, the loans were recorded at a discount, which is accreted to yield over the life of the loans. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 84,283 $ 1,973 Noncredit premium/(discount), net of activity since acquisition date 228 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,121) — Original estimated fair value of assets, net of activity since acquisition date (76,231 (1,952 Expected loss remaining $ 6,159 $ 21 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 109,791 $ 1,017 Noncredit premium/(discount), net of activity since acquisition date 719 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,213) — Original estimated fair value of assets, net of activity since acquisition date (93,436 (995 Expected loss remaining $ 13,861 $ 22 Changes in the accretable yield f Sun TeamBank Vantus Bank Security Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2014 $7,402 $5,725 $ 11,113 $40,095 $-- Additions -- -- -- -- 22,976 Accretion (4,138) (3,835) (10,590) (37,994) (4,788) Reclassification from nonaccretable difference (1) 3,601 2,563 7,429 33,991 (7,056) Balance, December 31, 2014 6,865 4,453 7,952 36,092 11,132 Accretion (3,265) (2,541) (5,487) (28,767) (10,975) Reclassification from nonaccretable difference (1) 205 1,448 3,459 9,022 8,159 Balance, December 31, 2015 3,805 3,360 5,924 16,347 8,316 Accretion (1,834) (1,877) (3,832) (13,964) (11,933) Reclassification from nonaccretable difference (1) 506 1,064 2,185 6,129 8,414 Balance, December 31, 2016 $ 2,477 $ 2,547 $ 4,277 $ 8,512 $ 4,797 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2016, totaling $506,000, $1.0 million, $1.8 million, $2.7 million and $1.6 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2015, totaling $40,000, $1.1 million, $2.0 million, $4.8 million and $759,000, respectively; and for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2014, totaling $3.2 million, $2.4 million, $3.9 million, $9.2 million and $(9.6 million), respectively.

Note 5_ Other Real Estate Owned

Note 5: Other Real Estate Owned	12 Months Ended
	Dec. 31, 2016
Notes
Note 5: Other Real Estate Owned	Note 5: Other Real Estate Owned Major classifications of at December 31, and , were as follows: 2016 2015 (In Thousands) Foreclosed assets held for sale One- to four-family construction $ $ Subdivision construction 6,360 7,016 Land development 10,886 12,133 Commercial construction One- to four-family residential 1,217 1,375 Other residential 954 2,150 Commercial real estate 3,841 3,608 Commercial business Consumer 1,991 1,109 25,249 27,391 FDIC-supported foreclosed assets, net of discounts 1,426 1,834 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 316 460 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 1,952 995 Foreclosed assets held for sale, net 28,943 30,680 Other real estate owned not acquired through foreclosure 3,715 1,213 Other real estate owned $ 32,658 $ 31,893 As of December 31, 201 real estate owned not acquired through foreclosure include properties, of which were branch locations that have been closed and are held for sale, and one of which is land which was acquired for a potential branch location. During the , 1 former branch locations were added to other real estate owned not acquired through foreclosure due to the closing of those branches. former branch locations have been sold during the at a net gain of $ ,000, which is included in the gain of sales of other real estate owned amount in the table below. At , 201 , residential mortgage loans totaling $ million were in the process of foreclosure, $ million of which were acquired loans. Of the $ million of acquired loans, $ are covered by loss sharing agreements and $ ,000 were acquired in the Valley Bank transaction. Expenses applicable to for the years ended December 31, , and , included the following: 2016 2015 2014 (In Thousands) Net gain on sales of real estate $ (68) $ (397) $ (91) Valuation write-downs 431 890 3,343 Operating expenses, net of rental income 3,748 2,033 2,384 $ 4,111 $ 2,526 $ 5,636

Note 6_ Premises and Equipment

Note 6: Premises and Equipment	12 Months Ended
	Dec. 31, 2016
Notes
Note 6: Premises and Equipment	Note 6: Premises and Equipment Major classifications of premises and equipment at December 31, 201 and 201 , stated at cost, were as follows: 2016 2015 (In Thousands) Land $ 43,582 $ 39,395 Buildings and improvements 95,169 87,333 Furniture, fixtures and equipment 57,217 56,051 195,968 182,779 Less accumulated depreciation 55,372 53,124 $ 140,596 $ 129,655

Note 7_ Investments in Limited

Note 7: Investments in Limited Partnerships	12 Months Ended
	Dec. 31, 2016
Notes
Note 7: Investments in Limited Partnerships	Note 7: Investments in Limited Partnerships Investments in Affordable Housing Partnerships The Company has invested in certain limited partnerships that were formed to develop and operate apartments and single-family houses designed as high-quality affordable housing for lower income tenants throughout Missouri and contiguous states. At December 31, 201 , the Company had investments, with a net carrying value of $ million . At December 31, 201 , the Company had investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in Affordable Housing Partnerships, they all are accounted for using the proportional amortization method. Each of the partnerships must meet the regulatory requirements for affordable housing for a minimum 15-year compliance period to fully utilize the tax credits. If the partnerships cease to qualify during the compliance period, the credits may be denied for any period in which the projects are not in compliance and a portion of the credits previously taken may be subject to recapture with interest. The remaining federal affordable housing tax credits to be utilized over a maximum of 15 years were $ million as of December 31, , assuming no tax credit recapture events occur and all projects currently under construction are completed as planned. Amortization of the investments in partnerships is expected to be approximately $ million , assuming all projects currently under construction are completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $ million , $ million and $ million during , and , respectively. Investment amortization amounted to $ million , $ million and $ million for the years ended December 31, , and , respectively. Investments in Community Development Entities The Company has invested in certain limited partnerships that were formed to develop and operate business and real estate projects located in low-income communities. At December 31, , the Company had investments, with a net carrying value of $ million . At December 31, , the Company had four investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in qualified Community Development Entities, they are all accounted for using the cost method. Each of the partnerships provides federal New Market Tax Credits over a seven-year credit allowance period. In each of the first three years, credits totaling five percent of the original investment are allowed on the credit allowance dates and for the final four years, credits totaling six percent of the original investment are allowed on the credit allowance dates. Each of the partnerships must be invested in a qualified Community Development Entity on each of the credit allowance dates during the seven-year period to utilize the tax credits. If the Community Development Entities cease to qualify during the seven-year period, the credits may be denied for any credit allowance date and a portion of the credits previously taken may be subject to recapture with interest. The investments in the Community Development Entities cannot be redeemed before the end of the seven-year period. The remaining federal New Market Tax Credits to be utilized over a maximum of seven years were $ million as of December 31, . Amortization of the investments in partnerships is expected to be approximately million . The Company’s usage of federal New Market Tax Credits approximated $2.3 million , $2.3 million and $ million during , and , respectively. Investment amortization amounted to $1.7 million , $1. million and $1. million for the years ended December 31, , and , respectively. Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain federal rehabilitation/historic tax credits. The Company utilizes these credits in their entirety in the year the project is placed in service and the impact to the Consolidated Statements of Income has not been material. Investments in Limited Partnerships for State Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain state tax credits. The Company has primarily syndicated these tax credits and the impact to the Consolidated Statements of Income has not been material.

Note 8_ Deposits

Note 8: Deposits	12 Months Ended
	Dec. 31, 2016
Notes
Note 8: Deposits	Note 8: Deposits Deposits at December 31, and , are summarized as follows: Weighted Average Interest Rate 2016 2015 (In Thousands, Except Interest Rates) Noninterest-bearing accounts — $ 653,288 $ 571,629 Interest-bearing checking and savings accounts 0.26% - 0.24% 1,539,216 1,408,850 2,192,504 1,980,479 Certificate accounts 0% - 0.99% 695,738 863,865 1% - 1.99% 737,649 381,956 2% - 2.99% 48,777 39,592 3% - 3.99% 1,119 1,137 4% - 4.99% 1,171 1,304 5% and above 272 293 1,484,726 1,288,147 $ 3,677,230 $ 3,268,626 The weighted average interest rate on certificates of deposit was % and 0 % at December 31, 201 and 201 , respectively. The aggregate amount of certificates of deposit originated by the Bank in denominations greater than $100,000 was approximately $ million and $ million at December 31, 201 and 201 , respectively. The Bank utilizes brokered deposits as an additional funding source. The aggregate amount of brokered deposits was approximately $ million and $ million at December 31, 201 and 201 , respectively. At December 31, 201 , scheduled maturities of certificates of deposit were as follows: Retail Brokered Total (In Thousands) 2017 $ 726,594 $ 310,364 $ 1,036,958 2018 262,625 13,910 276,535 2019 70,408 — 70,408 2020 49,427 — 49,427 2021 47,574 — 47,574 Thereafter 3,824 — 3,824 $ 1,160,452 $ 324,274 $ 1,484,726 A summary of interest expense on deposits for the years ended December 31, 201 , 201 and 201 , is as follows: 2016 2015 2014 (In Thousands) Checking and savings accounts $ 3,888 $ 2,858 $ 3,088 Certificate accounts 13,598 10,739 8,264 Early withdrawal penalties (99 (86 (127 $ 17,387 $ 13,511 $ 11,225

Note 9_ Advances From Federal H

Note 9: Advances From Federal Home Loan Bank	12 Months Ended
	Dec. 31, 2016
Notes
Note 9: Advances From Federal Home Loan Bank	Note 9: Advances From Federal Home Loan Bank Advances from the Federal Home Loan Bank at December 31, 201 and 201 , consisted of the following: December 31, 2016 December 31, 2015 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) 2016 $ — —% $ 232,071 0.42% 2017 30,826 3.26 30,826 3.26 2018 81 5.14 81 5.14 2019 28 5.14 28 5.14 2020 — — — — 2021 — — — — 2022 and thereafter 500 5.54 500 5.54 31,452 3.30 263,546 0.76 Unamortized fair value adjustment 17 40 $ 31,452 $ 263,546 Also i ncluded in the Bank’s FHLB advances at December 31, 201 and December 31, 201 , was a $30.0 million advance with a maturity date of November 24, 2017. The interest rate on this advance is 3.20%. The advance has a call provision that allows the Federal Home Loan Bank of Des Moines to call the advance quarterly. In June 2014 the Company prepaid a total of $80 million of its Federal Home Loan Bank advances and $50 million of structured repurchase agreements (see Note 12 The Bank has pledged FHLB stock, investment securities and first mortgage loans free of pledges, liens and encumbrances as collateral for outstanding advances. No investment securities were specifically pledged as collateral for advances at December 31, 201 and 201 . Loans with carrying values of approximately $1. billion and $1. billion were pledged as collateral for outstanding advances at December 31, 201 and 201 , respectively. The Bank had potentially available $ million remaining on its line of credit under a borrowing arrangement with the FHLB of Des Moines at December 31, 201 .

Note 10_ Short-term Borrowings

Note 10: Short-term Borrowings	12 Months Ended
	Dec. 31, 2016
Notes
Note 10: Short-term Borrowings	Note 10: Short-Term Borrowings Short-term borrowings at December 31, 201 and 201 , are summarized as follows: 2016 2015 (In Thousands) Notes payable – Community Development Equity Funds $ 1,323 $ 1,295 Overnight borrowings from the Federal Home Loan Bank 171,000 — Securities sold under reverse repurchase agreements 113,700 116,182 $ 286,023 $ 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 one-month or less. Short-term borrowings had weighted average interest rates of 0. % and 0.0 % at December 31, 201 and 201 , respectively. Short-term borrowings averaged approximately $ million and $ million for the years ended December 31, 201 and 201 , respectively. The maximum amounts outstanding at any month end were $ million and $ million , respectively, during those same periods. The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity 2016 2015 Overnight and Overnight and Continuous Continuous (In Thousands) FHLBank CD $16,202 $— Mortgage-backed securities – GNMA, FNMA, FHLMC 97,498 116,182 $ 113,700 $ 116,182

Note 11_ Federal Reserve Bank B

Note 11: Federal Reserve Bank Borrowings	12 Months Ended
	Dec. 31, 2016
Notes
Note 11: Federal Reserve Bank Borrowings	Note 11: Federal Reserve Bank Borrowings At December 31, 201 and 201 , the Bank had $ million and $ million , respectively, available under a line-of-credit borrowing arrangement with the Federal Reserve Bank. The line is secured primarily by commercial loans. There were no amounts borrowed under this arrangement at December 31, 201 or 201 .

Note 12_ Structured Repurchase

Note 12: Structured Repurchase Agreements	12 Months Ended
	Dec. 31, 2016
Notes
Note 12: Structured Repurchase Agreements	Note 12: Structured Repurchase Agreements In September 2008, the Company entered into a structured repurchase borrowing transaction for $50 million. This borrowing bore interest at a fixed rate of 4.34%, was scheduled to mature September 15, 2015, and had a call provision that allowed the repurchase counterparty to call the borrowing quarterly. The Company pledged investment securities to collateralize this borrowing. In June 2014, the Company elected to repay this structured repurchase borrowing and incurred a one-time prepayment penalty (see Note 9

Note 13_ Subordinated Debenture

Note 13: Subordinated Debentures Issued To Capital Trusts	12 Months Ended
	Dec. 31, 2016
Notes
Note 13: Subordinated Debentures Issued To Capital Trusts	Note 13: Subordinated Debentures Issued to Capital Trusts In November 2006, Great Southern Capital Trust II (Trust II), a statutory trust formed by the Company for the purpose of issuing the securities, issued a $25.0 million aggregate liquidation amount of floating rate cumulative trust preferred securities. The Trust II securities bear a floating distribution rate equal to 90-day LIBOR plus 1.60%. The Trust II securities are redeemable at the Company’s option beginning in February 2012, and if not sooner redeemed, mature on February 1, 2037. The Trust II securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended. The gross proceeds of the offering were used to purchase Junior Subordinated Debentures from the Company totaling $25.8 million and bearing an interest rate identical to the distribution rate on the Trust II securities. The initial interest rate on the Trust II debentures was 6.98%. The interest rate was % and 1. % at December 31, 201 and 201 , respectively. In July 2007, Great Southern Capital Trust III (Trust III), a statutory trust formed by the Company for the purpose of issuing the securities, issued a $5.0 million aggregate liquidation amount of floating rate cumulative trust preferred securities. The Trust III securities a floating distribution rate equal to 90-day LIBOR plus 1.40%. The Trust III securities redeemable at the Company’s option beginning October 2012, and if not sooner redeemed, mature on October 1, 2037. The Trust III securities were sold in a private transaction exempt from registration under the Securities Act of 1933, as amended. The gross proceeds of the offering were used to purchase Junior Subordinated Debentures from the Company totaling $5.2 million and bearing an interest rate identical to the distribution rate on the Trust III securities. I n July 2015, the Company was the successful bidder in an auction of the $5.0 million aggregate liquidation amount of floating rate cumulative trust preferred securities issued in 2007 by Great Southern Capital Trust III. The Company purchased the trust preferred securities at a discount, which resulted in a pre-tax gain of approximately $1.1 milli on. Subsequent to the purchase, which resulted in the Company’s ownership of all of the outstanding common and preferred securities of Great Southern Capital Trust III, such securities were canceled and the principal amount of the Company’s related debentures, which had equaled the aggregate liquidation amount of the outstanding common and preferred securities of Great Southern Capital Trust III, was reduced to zero At December 31, 201 and 201 , subordinated debentures issued to capital trusts are summarized as follows: 2016 2015 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Note 14_ Subordinated Notes

Note 14: Subordinated Notes	12 Months Ended
	Dec. 31, 2016
Notes
Note 14: Subordinated Notes	Note 14: Subordinated Notes On August 8, 2016, the Company completed the public offering and sale of $75.0 million of its s ubordinated n otes. The n otes are due August 15, 2026, and have a fixed interest rate of 5.25% until August 15, 2021, at which time the rate becomes floating at a rate equal to three-month LIBOR plus 4.087%. The Company may call the n otes at par beginning on August 15, 2021, and on any scheduled interest payment date thereafter. The n otes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million. Total debt issuance costs, totaling approximately $1.5 million, were deferred and are being amortized over the expected life of the n otes, which is 10 years. Amortization of the debt issuance costs during the year ended December 31, 2016 totaled $ 64,000 , and is included in interest expense on s ubordinated n otes in the consolidated statements of income, resulting in an imputed interest rate of 5. 47 %. At December 31, 2016 and, 2015, subordinated notes are summarized as follows: December 31, 2016 December 31, 2015 (In Thousands) Subordinated notes $ 75,000 $ — Less: unamortized debt issuance costs 1,463 — $ 73,537 $ —

Note 15_ Income Taxes

Note 15: Income Taxes	12 Months Ended
	Dec. 31, 2016
Notes
Note 15: Income Taxes	Note 15: Income Taxes The Company files a consolidated federal income tax return. As of December 31, 201 and 201 , retained earnings included approximately $17.5 million for which no deferred income tax liability had been recognized. This amount represents an allocation of income to bad debt deductions for tax purposes only for tax years prior to 1988. If the Bank were to liquidate, the entire amount would have to be recaptured and would create income for tax purposes only, which would be subject to the then-current corporate income tax rate. The unrecorded deferred income tax liability on the above amount was approximately $6.5 million at December 31, 201 and 201 . During the years ended December 31, 201 , 201 and 201 the provision for income taxes included these components: 2016 2015 2014 (In Thousands) Taxes currently payable $ 20,137 $ 20,234 $ 20,013 Deferred income taxes (3,621 (4,670 (6,260 Income taxes $ 16,516 $ 15,564 $ 13,753 The tax effects of temporary differences related to deferred taxes shown on the statements of financial condition were: December 31, 2016 2015 (In Thousands) Deferred tax assets Allowance for loan losses $ 13,576 $ 13,848 Interest on nonperforming loans 364 259 Accrued expenses 1,288 1,302 Write-down of foreclosed assets 3,300 4,056 Write-down of fixed assets 535 417 Difference in basis for acquired assets and liabilities 4,533 23,596 19,882 Deferred tax liabilities Tax depreciation in excess of book depreciation (6,425) (6,483) FHLB stock dividends (1,805) (1,549) Partnership tax credits (1,651) (1,991) Prepaid expenses (728) (515) Unrealized gain on available-for-sale securities (980) (3,369) Difference in basis for acquired assets and liabilities (435) Other (318 (185 (11,907 (14,527 Net deferred tax asset $ 11,689 $ 5,355 Reconciliations of the Company’s effective tax rates from continuing operations to the statutory corporate tax rates were as follows: 2016 2015 2014 Tax at statutory rate 35.0% 35.0% 35.0% Nontaxable interest and dividends (2.1) (2.4) (3.0) Tax credits (7.3) (8.1) (9.5) State taxes 1.1 1.4 1.5 Other — (0.8 — 26.7 25.1 24.0 The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS) 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 2016. One of the partnerships has advanced to Tax Court and has entered a Motion for Entry of Decision with an agreed upon settlement. 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 under State of Missouri income and franchise tax examinations for its 2013 through 2015 tax years and is in administrative appeals with the State of Kansas for its 2010 through 2012 tax years. The Company protested the initial assessment of the State of Kansas and is having ongoing discussions with the Kansas Department of Revenue. The Company does not currently expect significant adjustments to its financial statements from these state examinations.

Note 16_ Disclosures About Fair

Note 16: Disclosures About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2016
Notes
Note 16: Disclosures About Fair Value of Financial Instruments	Note 16: Disclosures About Fair Value of Financial Instruments ASC Topic 820, Fair Value Measurements · · · 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. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2016 and 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) December 31, 2016 Mortgage-backed securities 146,035 — 146,035 — States and political subdivisions 67,837 — 67,837 — Interest rate derivative asset 1,663 — 1,663 — Interest rate derivative liability (1,699) — (1,699) — 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 December 31, 201 and 201 , as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the year ended December 31, 201 . For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-Sale Securities Investment securities available for sale are recorded at fair value on a recurring basis. The fair values used by the Company are obtained from an independent pricing service, which represent either quoted market prices for the identical asset or fair values determined by pricing models, or other model-based valuation techniques, that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems. Recurring Level 1 securities include exchange traded equity securities. Recurring Level 2 securities include U.S. government agency securities, mortgage-backed securities, state and municipal bonds and certain . Inputs used for valuing Level 2 securities include observable data that may include dealer quotes, benchmark yields, market spreads, live trading levels and market consensus prepayment speeds, among other things. Additional inputs include indicative values derived from the independent pricing service’s proprietary computerized models. There were no ecurring Level 3 securities at both December 31, 201 and 201 . Interest Rate Derivatives The fair value is estimated using forward-looking interest rate curves and is using and, therefore, are classified within Level 2 of the valuation hierarchy. Nonrecurring Measurements The following tables present the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 201 and 201 : Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2016 Impaired loans $ 8,280 $ — $ — $ 8,280 Foreclosed assets held for sale $ 1,604 $ — $ — $ 1,604 December 31, 2015 Impaired loans $ 13,896 $ — $ — $ 13,896 Foreclosed assets held for sale $ 1,722 $ — $ — $ 1,722 Following is a description of the valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Loans Held for Sale Mortgage loans held for sale are recorded at the lower of carrying value or fair value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2. Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk. The Company typically does not have commercial loans held for sale. At December 31, 201 and 201 , the aggregate fair value of mortgage loans held for sale exceeded their cost. Accordingly, no mortgage loans held for sale were marked down and reported at fair value Impaired Loans A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off for the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the years ended December 31, 201 and 201 , are shown in the table above (net of reserves). Foreclosed Assets Held for Sale Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy. The foreclosed assets represented in the table above have been re-measured during the years ended December 31, 201 and 201 , subsequent to their initial transfer to foreclosed assets. The following disclosure relates to financial assets for which it is not practicable for the Company to estimate the fair value at December 31, 201 and 201 FDIC Indemnification Asset As part of certain Purchase and Assumption Agreements, the Bank and the FDIC entered into loss sharing agreements. These agreements cover realized losses on loans and foreclosed real estate subject to certain limitations which are more fully described in Note 4 Under the TeamBank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $115 million in realized losses and 95% for realized losses that exceed $115 million. The indemnification asset was originally recorded at fair value on the acquisition date (March 20, 2009) and at December 31, 201 and 201 , the carrying value was $ and $ ,000, respectively. Under the Vantus Bank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $102 million in realized losses and 95% for realized losses that exceed $102 million. The indemnification asset was originally recorded at fair value on the acquisition date (September 4, 2009) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ and $ ,000, respectively. Under the Sun Security Bank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (October 7, 2011) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ and $ million, respectively. Under the InterBank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (April 27, 2012) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ million and $ million, respectively. From the dates of acquisition, each of the four loss sharing agreements were scheduled to 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 related indemnification assets became $0. The termination of the loss sharing agreements is discussed in Note 4 . Fair Value of Financial Instruments The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value Cash and Cash Equivalents and Federal Home Loan Bank Stock The carrying amount approximates fair value Loans and Interest Receivable The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amount of accrued interest receivable approximates its fair value Deposits and Accrued Interest Payable The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e. Federal Home Loan Bank Advances Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate fair value of existing advances Short-Term Borrowings The carrying amount approximates fair value Subordinated Debentures Issued to Capital Trusts The subordinated debentures have floating rates that reset quarterly. The carrying amount of these debentures approximates their fair value. Subordinated Notes The fair values used by the Company are obtained from quoted market prices Commitments to Originate Loans, Letters of Credit and Lines of Credit The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. December 31, 2016 December 31, 2015 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level Financial assets Cash and cash equivalents $ 279,769 $ 279,769 1 $ 199,183 $ 199,183 1 Held-to-maturity securities 247 258 2 353 384 2 Mortgage loans held for sale 16,445 16,445 2 12,261 12,261 2 Loans, net of allowance for loan losses 3,759,966 3,766,709 3 3,340,536 3,355,924 3 Accrued interest receivable 11,875 11,875 3 10,930 10,930 3 Investment in FHLB stock 13,034 13,034 3 15,303 15,303 3 Financial liabilities Deposits 3,677,230 3,683,751 3 3,268,626 3,271,318 3 FHLB advances 31,452 32,379 3 263,546 264,331 3 Short-term borrowings 286,023 286,023 3 117,477 117,477 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 73,537 76,031 2 — — — Accrued interest payable 2,723 2,723 3 1,080 1,080 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 92 92 3 145 145 3 Lines of credit — — 3 — — 3

Note 17_ Operating Leases

Note 17: Operating Leases	12 Months Ended
	Dec. 31, 2016
Notes
Note 17: Operating Leases	Note 17: Operating Leases The Company has entered into various operating leases at several of its locations. Some of the leases have renewal options. At December 31, 201 , future minimum lease payments were as follows (in thousands): 2017 $ 819 2018 581 2019 405 2020 323 2021 149 Thereafter 72 $ 2,349 Rental expense was $ , $1. million and $1. million for the years ended December 31, 201 , 201 and 201 , respectively.

Note 18_ Derivatives and Hedgin

Note 18: Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2016
Notes
Note 18: Derivatives and Hedging Activities	Note 18: Derivatives and Hedging Activities Risk Management Objective of Using Derivatives The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities. In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management. The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship. Nondesignated Hedges The Company has interest rate swaps that are not designated in qualifying hedging relationship. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps. Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty. Two of the seven acquired loans with interest rate swaps have paid off. The notional amount of the five remaining Valley swaps is $ million at December 31, . As of December 31, , the Company had 2 interest rate swaps totaling $ million in notional amount with commercial customers, and 2 interest rate swaps with the same notional amount with third parties related to its program. As of December 31, , the Company had interest rate swaps totaling $ million in notional amount with commercial customers, and interest rate swaps with the same notional amount with third parties related to its program. During the years ended December 31, and , the Company recognized net loss of $ ,000 and $ ,000 , respectively, in noninterest income related to changes in the fair value of these swaps. Cash Flow Hedges As a strategy to maintain acceptable levels of exposure to the risk of changes in future cash flows due to interest rate fluctuations, the Company entered into two interest rate cap agreements for a portion of its floating rate debt associated with its trust preferred securities. One agreement, with a notional amount of $25 million, states that the Company will pay interest on its trust preferred debt in accordance with the original debt terms at a rate of 3-month LIBOR + 1.60%. Should interest rates rise above a certain threshold, the counterparty will reimburse the Company for interest paid such that the Company will have an effective interest rate on that portion of its trust preferred securities no higher than 2.37%. The agreement became effective on August 1, 2013 and has a term of four years. The other agreement, with a notional amount of $5 million, was terminated when the Company purchased the related trust preferred securities in July 2015. See 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 purchase 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 years ended December 31, 2016, 2015 and 2014, the Company recognized $-0- in noninterest income related to changes in the fair value of these derivatives. During the years ended December 31, 2016, 2015 and 2014, the Company recognized $225,000, $187,000 and $19,000, respectively, in interest expense related to the amortization of the cost of these interest rate caps. During the year ended December 31, 2015, one of the agreements was terminated as noted above. As part of this termination, the remaining cost of the cash flow hedge, $95,000, was recognized as interest expense in 2015 (included in the $187,000 discussed here). The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition: Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2016 2015 (In Thousands) Derivatives designated as hedging instruments Interest rate caps Prepaid expenses and other assets $ 40 $ 128 Total derivatives designated as hedging instruments $ 40 $ 128 Derivatives not designated as hedging instruments Asset Derivatives Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 1,623 $ 2,583 Total derivatives not designated as hedging instruments $ 1,623 $ 2,583 Liability Derivatives Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 1,699 $ 2,725 Total derivatives not designated as hedging instruments $ 1,699 $ 2,725 The following tables present the effect of derivative instruments on the statements of comprehensive income: Year Ended December 31 Cash Flow Hedges Amount of Gain (Loss) Recognized in AOCI 2016 2015 2014 (In Thousands) Interest rate cap, net of income taxes $ 87 $ (50) $ (164 Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. As of December 31, , the termination value of derivatives in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $ million. The Company has minimum collateral posting thresholds with its derivative counterparties. At December 31 , 201 , the Company’s activity with its derivative counterparties had met the level at which the minimum collateral posting thresholds take effect and the Company had posted $ million of collateral to satisfy the agreement. As of December 31, , the termination value of derivatives in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $ . At December 31 , , the Company’s activity with its derivative counterparties had met the level at which the minimum collateral posting thresholds take effect and the Company had posted $ of collateral to satisfy the agreement. If the Company had breached any of these provisions at December 31, and , it could have been required to settle its obligations under the agreements at the termination value.

Note 19_ Commitments and Credit

Note 19: Commitments and Credit Risk	12 Months Ended
	Dec. 31, 2016
Notes
Note 19: Commitments and Credit Risk	Note 19: Commitments and Credit Risk Commitments to Originate Loans Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a significant portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case by case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, commercial real estate and residential real estate. At December 31, 201 and 201 , the Bank had outstanding commitments to originate loans and fund commercial construction loans aggregating approximately $ million and $ million, respectively. The commitments extend over varying periods of time with the majority being disbursed within a 30- to 180-day period. Mortgage loans in the process of origination represent amounts that the Bank plans to fund within a normal period of 60 to 90 days, many of which are intended for sale to investors in the secondary market. Total mortgage loans in the process of origination amounted to approximately $ million and $ million at December 31, 201 and 201 , respectively. Letters of Credit Standby letters of credit are irrevocable conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Financial standby letters of credit are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. Performance standby letters of credit are issued to guarantee performance of certain customers under nonfinancial contractual obligations. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loans to customers. Fees for letters of credit issued are initially recorded by the Bank as deferred revenue and are included in earnings at the termination of the respective agreements. Should the Bank be obligated to perform under the standby letters of credit, the Bank may seek recourse from the customer for reimbursement of amounts paid. The Company had total outstanding standby letters of credit amounting to approximately $ million and $ million at December 31, 201 and 201 , respectively, with $ million and $ million , respectively, of the letters of credit having terms up to five years and $ million and $ million , respectively, of the letters of credit having terms over five years. Of the amount having terms over five years, $ million and $ million at December 31, 201 and 201 , respectively, consisted of an outstanding letter of credit to guarantee the payment of principal and interest on a Multifamily Housing Refunding Revenue Bond Issue. Purchased Letters of Credit The Company has purchased letters of credit from the Federal Home Loan Bank as security for certain public deposits. The amount of the letters of credit was $2. million and $ million at December 31, 201 and 201 , respectively, and they expire in less than one year from issuance. Lines of Credit Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case by case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, commercial real estate and residential real estate. The Bank uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments. At December 31, 201 , the Bank had granted unused lines of credit to borrowers aggregating approximately $ million and $ million for commercial lines and open end consumer lines, respectively At December 31, 201 , the Bank had granted unused lines of credit to borrowers aggregating approximately $ million and $ million for commercial lines and open end consumer lines, respectively. Credit Risk The Bank grants collateralized commercial, real estate and consumer loans primarily to customers in its market areas. Although the Bank has a diversified portfolio, loans (excluding those covered by loss sharing agreements) aggregating approximately $ million and $ million at December 31, and , respectively, are secured primarily by apartments, condominiums, residential and commercial land developments, industrial revenue bonds and other types of commercial properties in the St. Louis, Missouri, area.

Note 20_ Additional Cash Flow I

Note 20: Additional Cash Flow Information	12 Months Ended
	Dec. 31, 2016
Notes
Note 20: Additional Cash Flow Information	Note 20: Additional Cash Flow Information 2016 2015 2014 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $26,076 $12,185 $19,975 Sale and financing of foreclosed assets 3,334 3,316 1,805 Conversion of premises and equipment to foreclosed assets 6,985 — 202 Dividends declared but not paid 3,073 3,055 2,896 Additional Cash Payment Information Interest paid 20,476 15,984 15,833 Income taxes paid 9,554 13,096 8,510

Note 21_ Employee Benefits

Note 21: Employee Benefits	12 Months Ended
	Dec. 31, 2016
Notes
Note 21: Employee Benefits	Note 21: Employee Benefits The Company participates in the Pentegra Defined Benefit Plan for Financial Institutions (Pentegra DB Plan), a multiemployer defined benefit pension plan covering all employees who have met minimum service requirements. Effective July 1, 2006, this plan was closed to new participants. Employees already in the plan continue to accrue benefits. The Pentegra DB Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333. The Company’s policy is to fund pension cost accrued. Employer contributions charged to expense for the years ended December 31, , and , were approximately $ ,000, $ ,000 and $ ,000, respectively. The Company’s contributions to the Pentegra DB Plan were not more than 5% of the total contributions to the plan. The funded status of the plan as of July 1, and , was % and %, respectively. The funded status was calculated by taking the market value of plan assets, which reflected contributions received through June 30, and , respectively, divided by the funding target. No collective bargaining agreements are in place that require contributions to the Pentegra DB Plan. The Company has a defined contribution retirement plan covering substantially all employees. The Company matches 100% of the employee’s contribution on the first 3% of the employee’s compensation and also matches an additional 50% of the employee’s contribution on the next 2% of the employee’s compensation. Employer contributions charged to expense for the years ended December 31, , and , were approximately $ $ $ , respectively.

Note 22_ Stock Compensation Pla

Note 22: Stock Compensation Plans	12 Months Ended
	Dec. 31, 2016
Notes
Note 22: Stock Compensation Plans	Note 22: Stock Compensation Plans The Company established the 2003 Stock Option and Incentive Plan (the “2003 Plan”) for employees and directors of the Company and its subsidiaries. Under the plan, stock options or other awards could be granted with respect to 598,224 shares of common stock. On May 15, 2013, the Company’s stockholders approved the Great Southern Bancorp, Inc. 2013 Equity Incentive Plan (the “2013 Plan”). Upon the stockholders’ approval of the 2013 Plan, the Company’s 2003 Plan was frozen. As a result, no new stock options or other awards may be granted under the 2003 Plan; however, existing outstanding awards under the 2003 Plan were not affected. At December 31, 2016, 198,259 options were outstanding under the 2003 Plan. The 2013 Plan provides for the grant from time to time to directors, emeritus directors, officers, employees and advisory directors of stock options, stock appreciation rights and restricted stock awards. The number of shares of Common Stock available for awards under the 2013 Plan is 700,000, all of which may be utilized for stock options and stock appreciation rights and no more than 100,000 of which may be utilized for restricted stock awards. At December 31, 2016, 462,944 options were outstanding under the 2013 Plan. Stock options may be either incentive stock options or nonqualified stock options, and the option price must be at least equal to the fair value of the Company’s common stock on the date of grant. Options generally are granted for a 10 year term and generally become exercisable in four cumulative annual installments of 25% commencing two years from the date of grant. The Stock Option Committee may accelerate a participant’s right to purchase shares under the plan. Stock awards may be granted to key officers and employees upon terms and conditions determined solely at the discretion of the Stock Option Committee. The table below summarizes transactions under the Company’s stock option plans: Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2014 583,500 699,707 25.597 Granted from 2013 plan (147,400) 147,400 32.450 Exercised — (153,287) 27.088 Forfeited from terminated plan(s) — (22,022) 27.387 Forfeited from current plan(s) 10,700 (10,700) 30.204 Balance, December 31, 2014 446,800 661,098 26.560 Granted from 2013 plan (129,350) 129,350 49.199 Exercised — (134,263) 25.403 Forfeited from terminated plan(s) — (8,453) 24.941 Forfeited from current plan(s) 14,000 (14,000) 33.389 Balance, December 31, 2015 331,450 633,732 31.297 Granted from 2013 Plan (131,000) 131,000 41.228 Exercised — (81,812) 26.472 Forfeited from terminated plan(s) — (2,692) 22.654 Forfeited from current plan(s) 19,025 (19,025) 39.123 Balance, December 31, 2016 219,475 661,203 $ 33.672 The Company’s stock option grants contain terms that provide for a graded vesting schedule whereby portions of the options vest in increments over the requisite service period. These options typically vest one-fourth at the end of years two, three, four and five from the grant date. As provided for under FASB ASC 718, the Company has elected to recognize compensation expense for options with graded vesting schedules on a straight-line basis over the requisite service period for the entire option grant. In addition, ASC 718 requires companies to recognize compensation expense based on the estimated number of stock options for which service is expected to be rendered. historical forfeitures of its share-based awards have not been material. The fair value of each option award is estimated on the date of the grant using the Black-Scholes option pricing model with the following assumptions : 2016 2015 2014 Expected dividends per share $0.88 $0.88 $0.80 Risk-free interest rate 1.27% 1.66% 1.40% Expected life of options 5 years 5 years 5 years Expected volatility 22.08% 24.42% 18.95% Weighted average fair value of options granted during year $6.59 $9.59 $4.20 Expected volatilities are based on the historical volatility of the Company’s stock, based on the monthly closing stock price. The expected term of options granted is based on actual historical exercise behavior of all employees and directors and approximates the graded vesting period of the options. Expected dividends are based on the annualized dividends declared at the time of the option grant. The risk-free interest rate is based on the five-year treasury rate on the grant date of the options. The following table presents the activity related to options under all plans for the year ended December 31, 201 Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2016 633,732 $31.297 7.22 years Granted 131,000 41.228 Exercised (81,812) 26.472 Forfeited (21,717 37.082 Options outstanding, December 31, 2016 661,203 33.672 7.23 years Options exercisable, December 31, 2016 247,920 24.367 5.13 years For the years ended December 31, , and , options granted were , , and , respectively. The total intrinsic value (amount by which the fair value of the underlying stock exceeds the exercise price of an option on exercise date) of options exercised during the years ended December 31, , and , was $ $ ,000, respectively. Cash received from the exercise of options for the years ended December 31, , and , was $ million, $ million and $ million, respectively. The actual tax benefit realized for the tax deductions from option exercises totaled $ , $ and $ ,000 for the years ended December 31, , and , respectively. The following table presents the activity related to nonvested options under all plans for the year ended December 31, 201 . Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2016 412,164 $35.479 $6.039 Granted 131,000 41.228 6.592 Vested this period (109,744) 27.770 4.337 Nonvested options forfeited (20,137 38.248 6.779 Nonvested options, December 31, 2016 413,283 39.253 6.631 At December 31, 201 , there was $ million of total unrecognized compensation cost related to nonvested options granted under the Company’s plans. This compensation cost is expected to be recognized through 20 , with the majority of this expense recognized in 201 and 201 The following table further summarizes information about stock options outstanding at December 31, 201 : Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Term Price Exercisable Price $8.360 to $19.530 65,559 4.54 years $17.911 65,559 $17.911 $21.320 to $24.820 111,650 5.01 years 23.683 88,540 23.408 $25.480 to $29.860 115,672 5.83 years 28.767 63,229 28.151 $32.590 to $39.050 133,772 7.85 years 32.997 28,592 32.590 $41.300 to $50.710 234,550 9.38 years 45.635 2,000 41.300 661,203 7.23 years 33.672 247,920 24.367

Note 23_ Significant Estimates

Note 23: Significant Estimates and Concentrations	12 Months Ended
	Dec. 31, 2016
Notes
Note 23: Significant Estimates and Concentrations	Note 23: Significant Estimates and Concentrations Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for loan losses are reflected in Note 3 Note 4 Other significant estimates not discussed in those footnotes include valuations of foreclosed assets held for sale. The carrying value of foreclosed assets reflects management’s best estimate of the amount to be realized from the sales of the assets. While the estimate is generally based on a valuation by an independent appraiser or recent sales of similar properties, the amount that the Company realizes from the sales of the assets could differ materially in the near term from the carrying value reflected in these financial statements.

Note 24_ Accumulated Other Comp

Note 24: Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2016
Notes
Note 24: Accumulated Other Comprehensive Income	Note 24: Accumulated Other Comprehensive Income The components of accumulated other comprehensive income (AOCI), included in stockholders’ equity, are as follows: 2016 2015 (In Thousands) Net unrealized gain on available-for-sale securities $ 2,699 $ 9,282 Net unrealized loss on derivatives used for cash flow hedges (254 (391 2,445 8,891 Tax effect (887 (3,227 Net-of-tax amount $ 1,558 $ 5,664 Amounts reclassified from AOCI and the affected line items in the statements of income during the years ended December 31, , 201 and 201 , were as follows: Amounts Reclassified from AOCI Affected Line Item in the Statements of Income 2016 2015 2014 (In Thousands) Unrealized gains on available-for-sale securities $ 2,873 $ 2 $ 2,139 Net realized gains on available-for-sale securities (total reclassified amount before tax) Total reclassified amount before tax Income taxes (1,043 (1 (749 Tax (expense) benefit Total reclassifications out of AOCI $ 1,830 $ 1 $ 1,390

Note 25_ Regulatory Matters

Note 25: Regulatory Matters	12 Months Ended
	Dec. 31, 2016
Notes
Note 25: Regulatory Matters	Note 25: Regulatory Matters The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct and material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under . The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below as of December 31, 201 ) of Total and Tier I Capital (as defined) to risk-weighted assets (as defined) of Tier I Capital (as defined) to adjusted tangible assets (as defined) risk-weighted assets (as defined). Management believes, as of December 31, 201 , that the Bank met all capital adequacy requirements to which it was then subject. As of December 31, 201 , the most recent notification from the Bank’s regulators categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized as of December 31, 201 , the Bank must have maintained minimum otal , Tier I Tier 1 everage capital ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company’s and the Bank’s actual capital amounts and ratios are presented in the following table. No amount was deducted from capital for interest-rate risk. To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) As of December 31, 2016 Total capital Great Southern Bancorp, Inc. $556,106 13.6% $327,610 8.0% N/A N/A Great Southern Bank $520,989 12.7% $327,505 8.0% $409,382 10.0% Tier I capital Great Southern Bancorp, Inc. $443,706 10.8% $245,707 6.0% N/A N/A Great Southern Bank $483,589 11.8% $245,629 6.0% $327,505 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $443,706 9.9% $178,693 4.0% N/A N/A Great Southern Bank $483,589 10.8% $178,643 4.0% $223,304 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $418,687 10.2% $184,280 4.5% N/A N/A Great Southern Bank $483,569 11.8% $184,222 4.5% $266,098 6.5% As of December 31, 2015 Total capital Great Southern Bancorp, Inc. $452,637 12.6% $288,279 8.0% N/A N/A Great Southern Bank $434,334 12.1% $288,180 8.0% $360,225 10.0% Tier I capital Great Southern Bancorp, Inc. $414,488 11.5% $216,209 6.0% N/A N/A Great Southern Bank $396,185 11.0% $216,135 6.0% $288,180 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $414,488 10.2% $162,576 4.0% N/A N/A Great Southern Bank $396,185 9.8% $161,986 4.0% $202,482 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $389,460 10.8% $162,157 4.5% N/A N/A Great Southern Bank $396,157 11.0% $162,101 4.5% $234,146 6.5% The Company and the Bank are subject to certain restrictions on the amount of dividends that may be declared without prior regulatory approval. At December 31, 201 and 201 , the Company and the Bank exceeded their minimum capital requirements then in effect. The entities may not pay dividends which would reduce capital below the minimum requirements shown above. In addition to the minimum capital ratios, the new rules include a capital conservation buffer, under which a banking organization must have CET1 more than 2.5% above each of its minimum risk-based capital ratios in order to avoid restrictions on paying dividends, repurchasing shares, and paying certain discretionary bonuses, phased in at an additional 0.625% per year beginning January 1, 2016.

Note 26_ Litigation Matters

Note 26: Litigation Matters	12 Months Ended
	Dec. 31, 2016
Notes
Note 26: Litigation Matters	Note 26: Litigation Matters In the normal course of business, the Company and its subsidiaries are subject to pending and threatened legal actions, some of which seek substantial relief or damages. While the ultimate outcome of such legal proceedings cannot be predicted with certainty, after reviewing pending and threatened litigation with counsel, management believes at this time that, except as noted below, the outcome of such litigation will not have a material adverse effect on the Company’s business, financial condition or results of operations. On November 22, 2010, a suit was filed against the Bank in the Circuit Court of Greene County, Missouri by a customer alleging that the fees associated with the Bank’s automated overdraft program in connection with its debit cards and ATM cards constitute unlawful interest in violation of Missouri’s usury laws. The Court has certified a class of Bank customers who have paid overdraft fees on their checking accounts pursuant to the Bank’s automated overdraft program. The Bank intends to contest this case vigorously. A judgment was issued in favor of a defendant bank in a similar lawsuit where the lawsuit alleged that overdraft fees violate Missouri's usury laws. The Court has entered a stay in the Bank's litigation pending a decision on appeal in the other usury litigation. At this stage of the litigation, it is not possible for management of the Bank to determine the probability of a material adverse outcome or reasonably estimate the amount of any potential loss.

Note 27_ Summary of Unaudited Q

Note 27: Summary of Unaudited Quarterly Operating Results	12 Months Ended
	Dec. 31, 2016
Notes
Note 27: Summary of Unaudited Quarterly Operating Results	Note 27: Summary of Unaudited Quarterly Operating Results Following is a summary of unaudited quarterly operating results for the years 201 , 201 and 201 : 2016 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 45,746 $ 45,636 $ 46,856 $ 46,937 Interest expense 4,627 4,974 5,828 6,690 Provision for loan losses 2,101 2,300 2,500 2,380 Net realized gains (losses) and impairment on available-for-sale securities 3 2,735 144 (9) Noninterest income 4,974 8,916 7,090 7,530 Noninterest expense 30,920 29,807 30,657 29,043 Provision (credit) for income taxes 3,279 4,937 3,740 4,560 Net income 9,793 12,534 11,221 11,794 Net income available to common shareholders 9,793 12,534 11,221 11,794 Earnings per common share – diluted 0.70 0.89 0.80 0.83 2015 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 47,906 $ 45,734 $ 45,755 $ 44,956 Interest expense 3,781 3,725 4,230 4,261 Provision for loan losses 1,300 1,300 1,703 1,216 Net realized gains (losses) and impairment on available-for-sale securities — — 2 — Noninterest income (56) 3,457 5,120 5,060 Noninterest expense 27,242 27,949 30,014 29,145 Provision (credit) for income taxes 3,874 4,214 3,732 3,744 Net income 11,653 12,003 11,196 11,650 Net income available to common shareholders 11,508 11,858 11,051 11,531 Earnings per common share – diluted 0.83 0.85 0.79 0.81 2014 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 42,294 $ 44,384 $ 47,607 $ 49,077 Interest expense 4,328 4,413 3,501 3,559 Provision for loan losses 1,691 1,462 945 53 Net realized gains (losses) and impairment on available-for-sale securities 73 569 321 1,176 Noninterest income 924 10,631 1,778 1,398 Noninterest expense 25,894 34,399 29,398 31,168 Provision (credit) for income taxes 2,487 3,687 3,951 3,628 Net income 8,818 11,054 11,590 12,067 Net income available to common shareholders 8,673 10,909 11,445 11,923 Earnings per common share – diluted 0.63 0.79 0.83 0.86

Note 28_ Condensed Parent Compa

Note 28: Condensed Parent Company Statements	12 Months Ended
	Dec. 31, 2016
Notes
Note 28: Condensed Parent Company Statements	Note 28: Condensed Parent Company Statements The condensed statements of financial condition at December 31, 201 and 201 , and statements of income, comprehensive income and cash flows for the years ended December 31, 201 201 and 201 , for the parent company, Great Southern Bancorp, Inc., were as follows: December 31, 2016 2015 (In Thousands) Statements of Financial Condition Assets Cash $ 37,716 $ 20,009 Available-for-sale securities — 3,830 Investment in subsidiary bank 494,947 403,174 Deferred income taxes 89 — Prepaid expenses and other assets 1,214 1,335 $ 533,966 $ 428,348 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 4,849 $ 3,403 Deferred income taxes — 944 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 73,537 — Common stock 140 139 Additional paid-in capital 25,942 24,371 Retained earnings 402,166 368,053 Accumulated other comprehensive income 1,558 5,664 $ 533,966 $ 428,348 2016 2015 2014 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 12,000 $ 27,000 $ 36,000 Interest and dividend income — 5 22 Gain on redemption of trust preferred securities and sale of non-marketable securities 2,735 1,416 — Other income (loss) 2 (7) (20) 14,737 28,414 36,002 Expense Operating expenses 1,322 1,139 1,198 Interest expense 2,381 714 567 3,703 1,853 1,765 Income before income tax and equity in undistributed earnings of subsidiaries 11,034 26,561 34,237 Credit for income taxes (241 (91 (388 Income before equity in earnings of subsidiaries 11,275 26,652 34,625 Equity in undistributed earnings of subsidiaries 34,067 19,850 8,904 Net income $ 45,342 $ 46,502 $ 43,529 2016 2015 2014 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 45,342 $ 46,502 $ 43,529 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (34,067) (19,850) (8,904) Compensation expense for stock option grants 483 382 565 Net realized gains on redemption of trust preferred securities — (1,115) — Net realized gains on sales of non-marketable securities — (301) — Net realized gains on sales of available-for-sale securities (2,735) — — Amortization of interest rate derivative 289 204 19 Changes in Prepaid expenses and other assets 175 (27) (3) Accounts payable and accrued expenses 1,495 63 (67) Income taxes (206) 55 43 Net cash provided by operating activities 10,776 25,913 35,182 Investing Activities Proceeds from sales of available-for-sale securities 3,583 — — Investment in subsidiary (60,000) — — (Investment)/Return of principal - other investments (2) 16 20 Net cash provided by (used in) investing activities (56,419) 16 20 Financing Activities Proceeds from issuance of subordinated notes 73,472 — — Redemption of preferred stock — (57,943) — Redemption of trust preferred securities — (3,885) — Purchases of the Company’s common stock — — (512) Dividends paid (12,232) (12,290) (11,257) Stock options exercised 2,110 3,362 2,438 Net cash provided by (used in) financing activities 63,350 (70,756 (9,331 Increase (Decrease) in Cash 17,707 (44,827) 25,871 Cash, Beginning of Year 20,009 64,836 38,965 Cash, End of Year $ 37,716 $ 20,009 $ 64,836 Additional Cash Payment Information Interest paid $ 846 $ 730 $ 570 2016 2015 2014 (In Thousands) Statements of Comprehensive Income Net Income $ 45,342 $ 46,502 $ 43,529 Unrealized appreciation on available-for-sale securities, net of (158) 400 185 Reclassification adjustment for gains included in net income, net of ( (1,742) — — Change in fair value of cash flow hedge, net of taxes (credit) of $50, $(34) and $(88) for 2016, 2015 and 2014, respectively 87 (50) (164) Comprehensive income (loss) of subsidiaries (2,293) (1,722) 4,553 Comprehensive Income $ 41,236 $ 45,130 $ 48,103

Note 29_ Preferred Stock

Note 29: Preferred Stock	12 Months Ended
	Dec. 31, 2016
Notes
Note 29: Preferred Stock	Note 29: Preferred Stock On August 18, 2011, the Company entered into a Small Business Lending Fund-Securities Purchase Agreement (the “SBLF Purchase Agreement”) with the Secretary of the Treasury, pursuant to which the Company sold 57,943 shares of the Company’s Senior Non-Cumulative Perpetual Preferred Stock, Series A (the “SBLF Preferred Stock”) to the Secretary of the Treasury for a purchase price of $57.9 million. The SBLF Preferred Stock was issued pursuant to Treasury’s SBLF program, a $30 billion fund established under the Small Business Jobs Act of 2010 that was created to encourage lending to small businesses by providing Tier 1 capital to qualified community banks and holding companies with assets of less than $10 billion. As required by the SBLF Purchase Agreement, the proceeds from the sale of the SBLF Preferred Stock were used in connection with the redemption of 58,000 shares of plus the accrued dividends . The SBLF Preferred Stock qualifie as Tier 1 capital. The holders of SBLF Preferred Stock entitled to receive noncumulative dividends, payable quarterly, on each January 1, April 1, July 1 and October 1. The dividend rate, as a percentage of the liquidation amount, fluctuate between one percent (1%) and five percent (5%) per annum on a quarterly basis during the first 10 quarters during which the SBLF Preferred Stock outstanding, based upon changes in the level of “Qualified Small Business Lending” or “QSBL” (as defined in the SBLF Purchase Agreement) by the Bank over the adjusted baseline level calculated under the terms of the SBLF Preferred Stock $(249.7 million). Based upon the increase in the Bank’s level of QSBL over the adjusted baseline level, the dividend rate ha been 1.0%. For the tenth calendar quarter through four and one-half years after issuance, the dividend rate fixed at between one percent (1%) and seven percent (7%) based upon the level of qualifying loans. The Company dividend rate 1.0% until four and one half years after the issuance, which March 2016. After four and one half years from issuance, the dividend rate increase to 9% (including a quarterly lending incentive fee of 0.5%). On December 15, 2015, the Company (with the approval of its federal banking regulator) redeemed all 57,943 shares of the SBLF Preferred Stock at their liquidation amount of $1,000 per share plus accrued but unpaid dividends to the redemption date. The redemption of the SBLF Preferred Stock was completed using internally available funds.

Note 30_ Consolidation of Banki

Note 30: Consolidation of Banking Centers	12 Months Ended
	Dec. 31, 2016
Notes
Note 30: Consolidation of Banking Centers	Note 30: Consolidation of Banking Centers On September 24, 2015, the Company announced plans to consolidate operations of 16 banking centers into other nearby Great Southern banking center locations. As part of an ongoing performance review of its entire banking center network, Great Southern evaluated each location for a number of criteria, including access and availability of services to affected customers, the proximity of other Great Southern banking centers, profitability and transaction volumes, and market dynamics. This review culminated in the approval of the consolidation of these banking centers by the Great Southern Board of Directors. Subsequent to this announcement, the Bank entered into definitive agreements to sell two of the 16 banking centers, including all of the associated deposits . The . The closing of the remaining 14 facilities, which in the transfer of approximately $ million in deposits and banking center operations to other Great Southern locations, occur at the close of business on January 8, 2016.

Note 31_ Acquisition of Loans,

Note 31: Acquisition of Loans, Deposits and Branches	12 Months Ended
	Dec. 31, 2016
Notes
Note 31: Acquisition of Loans, Deposits and Branches	Note 31: Acquisition of Loans, Deposits and Branches On September 30, 2015, the Company announced that it entered into a purchase and assumption agreement to acquire 12 branches and related deposits and loans in the St. Louis, Mo., area from Cincinnati-based Fifth Third Bank. The acquisition was completed at the close of business on January 29, 2016 . The deposits assumed totaled approximately $228 million and had a weighted average rate of approximately 0. 28 %, the composition of which was: demand deposits and NOW accounts – 42 %; money market accounts – 40 %; and time deposits and IRAs – 18 %. The loans acquired totaled approximately $159 million and had a weighted average yield of approximately 3.92 %, the composition of which was: one- to four-family residential – 75 %; commercial real estate – 8%; home equity lines – 10 %; commercial business – 5 %; and consumer and other – 2 %. The one- to four-family residential loans are primarily loans made to professional individuals in the St. Louis market, such as doctors and persons working in the field of medicine. Approximately 55% of the total balance of these loans have fixed rates of interest for varying terms up to 30 years. Approximately 45% of the total balance of these loans have rates of interest that are fixed for varying terms (generally three to seven years), with rates that adjust annually thereafter. 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 58 Total liabilities assumed 229,039 Goodwill recognized on business acquisition $ 4,228 This acquisition was determined to constitute a business combination in accordance with FASB ASC 805. Based upon the acquisition date fair values of the net liabilities acquired, goodwill of $4.2 million was recorded. The goodwill is 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_ Nature of Operations 40

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Nature of Operations and Operating Segments (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Nature of Operations and Operating Segments	Nature of Operations and Operating Segments Great Southern Bancorp, Inc. (“GSBC” or the “Company”) operates as a one-bank holding company. GSBC’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Company and the Bank are subject to regulation certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others . The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements .

Note 1_ Nature of Operations 41

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Use of Estimates (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the valuation of loans acquired with indication of impairment, the valuation of the FDIC indemnification asset and other-than-temporary impairments (OTTI) and fair values of financial instruments. In connection with the determination of the allowance for loan losses and the valuation of foreclosed assets held for sale, management obtains independent appraisals for significant properties. The valuation of the FDIC indemnification asset is determined in relation to the fair value of assets acquired through FDIC-assisted transactions for which cash flows are monitored on an ongoing basis. Company considers that the determination of the carrying value of involves a high degree of judgment and complexity.

Note 1_ Nature of Operations 42

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Principles of Consolidation (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of Great Southern Bancorp, Inc., its wholly owned subsidiary, the Bank, and the Bank’s wholly owned subsidiaries, Great Southern Real Estate Development Corporation, GSB One LLC (including its wholly owned subsidiary, GSB Two LLC), Great Southern Financial Corporation, Great Southern Community Development Company, LLC (including its wholly owned subsidiary, Great Southern CDE, LLC), GS, LLC, GSSC, LLC, GS-RE Holding, LLC (including its wholly owned subsidiary, GS RE Management, LLC), GS-RE Holding II, LLC, GS-RE Holding III, LLC, VFP Conclusion Holding, LLC and VFP Conclusion Holding II, LLC. All significant intercompany accounts and transactions have been eliminated in consolidation.

Note 1_ Nature of Operations 43

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Reclassifications (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Reclassifications	Reclassifications Certain prior periods’ amounts have been reclassified to conform to the financial statements presentation. These reclassifications had no effect on net income.

Note 1_ Nature of Operations 44

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Federal Home Loan Bank Stock (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal Home Loan Bank common stock is a required investment for institutions that are members of the Federal Home Loan Bank system. The required investment in common stock is based on a predetermined formula, carried at cost and evaluated for impairment.

Note 1_ Nature of Operations 45

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Securities (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Securities	Securities Available-for-sale securities, which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Unrealized gains and losses are recorded, net of related income tax effects, in other comprehensive income. Held-to-maturity securities, which include any security for which the Company has the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an recorded in other comprehensive income for the noncredit portion of a previous is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. The Company’s consolidated statements of income reflect the full impairment (that is, the difference between the security’s amortized cost basis and fair value) on debt securities that the Company intends to sell or would more likely than not be required to sell before the expected recovery of the amortized cost basis. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that it more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections. For equity securities, when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other-than-temporary even if a decision to sell has not been made.

Note 1_ Nature of Operations 46

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Mortgage Loans Held For Sale (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Mortgage Loans Held For Sale	Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Write-downs to fair value are recognized as a charge to earnings at the time the decline in value occurs. Nonbinding forward commitments to sell individual mortgage loans are generally obtained to reduce market risk on mortgage loans in the process of origination and mortgage loans held for sale. Gains and losses resulting from sales of mortgage loans are recognized when the respective loans are sold to investors. Fees received from borrowers to guarantee the funding of mortgage loans held for sale and fees paid to investors to ensure the ultimate sale of such mortgage loans are recognized as income or expense when the loans are sold or when it becomes evident that the commitment will not be used.

Note 1_ Nature of Operations 47

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Originated by The Company (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Loans Originated by The Company	Loans Originated by the Company Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balances adjusted for any charge-offs, the allowance for loan losses, any deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. Interest income is reported on the interest method and includes amortization of net deferred loan fees and costs over the loan term. Past due status is based on the contractual terms of a loan. Generally, loans are placed on nonaccrual status at 90 days past due and interest is considered a loss, unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines.

Note 1_ Nature of Operations 48

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Allowance For Loan Losses (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Allowance For Loan Losses	Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non classified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that determines which loans are reviewed for impairment based on various analyses including annual reviews of large loan relationships, calculations of loan debt coverage ratios as financial information is obtained reviews of all loans over $1.0 million Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length the borrower’s prior payment record and the amount of shortfall in relation to the principal and interest owed. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. In accordance with regulatory guidelines, impairment in the consumer loan portfolio is primarily identified b past-due status. loans Impairment is measured on a loan-by-loan basis for by either the present value of expected future cash flows or the fair value of the collateral if the loan is collateral dependent. Payments made on impaired loans are treated in accordance with the accrual status of the loan. If loans are performing in accordance with their contractual terms but the ultimate collectability of principal and interest is questionable, payments are applied to principal only.

Note 1_ Nature of Operations 49

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Acquired in Business Combinations (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Loans Acquired in Business Combinations	Loans Acquired in Business Combinations Loans acquired in business combinations under ASC Topic 805, Business Combinations loans are recorded at fair value in accordance with the fair value methodology prescribed in ASC Topic 820 Fair Value Measurements and Disclosures . No allowance for loan losses related to the acquired loans is recorded on the acquisition date as the fair value of the loans acquired incorporates assumptions regarding credit risk. The fair value estimates associated with the loans include estimates related to expected prepayments and the amount and timing of undiscounted expected principal, interest and other cash flows. For loans not acquired in conjunction with an FDIC-assisted transaction that are not considered to be purchased credit-impaired loans, the Company evaluates loans acquired in accordance with the provisions of ASC Topic 310-20, Nonrefundable Fees and Other Costs impaired loans in accordance with the provisions of ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality purchase dates may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Acquired credit-impaired loans are accounted for under the accounting guidance for loans acquired with deteriorated credit quality initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. The Company evaluates all of loans purchased in conjunction with its FDIC-assisted transactions in accordance with the provisions of ASC Topic 310-30. For purposes of applying ASC 310-30, loans acquired in business combinations are aggregated into pools of loans with common risk characteristics. All loans acquired in the FDIC transactions, both covered and not covered , were deemed to be impaired loans as there is evidence of credit deterioration since origination and probab that not all contractually required payments will be collected. As a result, related discounts are recognized subsequently through accretion based on the expected cash flows of the acquired loans. The expected cash flows of the acquired loan pools in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loan pools or impaired loans accounted for under ASC Topic 310-30. The Company continues to estimate cash flows expected to be collected on pools of loans sharing common risk characteristics, which are treated in the aggregate when applying various valuation techniques. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses.

Note 1_ Nature of Operations 50

Note 1: Nature of Operations and Summary of Significant Accounting Policies: FDIC Indemnification Asset (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
FDIC Indemnification Asset	FDIC Indemnification Asset Through two FDIC-assisted transactions during 2009, one during 2011 and one during 2012, the Bank acquired certain loans and foreclosed assets which are covered under loss sharing agreements with the FDIC. These agreements commit the FDIC to reimburse the Bank for a portion of realized losses on these covered assets. Therefore, as of the dates of acquisitions, the Company calculated the amount of such reimbursements it expects to receive from the FDIC using the present value of anticipated cash flows from the covered assets based on the credit adjustments estimated for each pool of loans and the estimated losses on foreclosed assets. In accordance with FASB ASC 805, each FDIC Indemnification Asset was initially recorded at its fair value, and is measured separately from the loan assets and foreclosed assets because the loss sharing agreements are not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increases and decreases as the expected and actual cash flows from the covered assets fluctuate, as loans are paid off or impaired and as loans and foreclosed assets are sold. There are no contractual interest rates on these contractual receivables from the FDIC; however, a discount was recorded against the initial balance of the FDIC Indemnification Asset in conjunction with the fair value measurement as this receivable will be collected over the terms of the loss sharing agreements. This discount accreted to income over future periods. These acquisitions and agreements are more fully discussed in Note 4

Note 1_ Nature of Operations 51

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Other Real Estate Owned (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Other Real Estate Owned	Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expense on foreclosed assets.

Note 1_ Nature of Operations 52

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

Note 1_ Nature of Operations 53

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill is evaluated annually for impairment or more frequently if impairment indicators are present. A qualitative assessment is performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill value are not recognized in the financial statements. Intangible assets are being amortized on the straight-line basis over period seven years. Such assets are periodically evaluated as to the recoverability of their carrying value. A summary of goodwill and intangible assets is as follows: December 31, 2016 2015 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 1,169 Deposit intangibles TeamBank — 105 Vantus Bank — 207 Sun Security Bank 613 964 InterBank 327 472 Boulevard Bank 519 641 Valley Bank 1,800 2,200 Fifth Third Bank 3,845 — 7,104 4 ,589 $ 12,500 $ 5,758

Note 1_ Nature of Operations 54

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loan Servicing and Origination Fee Income (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Loan Servicing and Origination Fee Income	Loan Servicing and Origination Fee Income Loan servicing income represents fees earned for servicing real estate mortgage loans owned by various investors. The fees are generally calculated on the outstanding principal balances of the loans serviced and are recorded as income when earned. Loan origination fees, net of direct loan origination costs, are recognized as income using the level-yield method over the contractual life of the loan.

Note 1_ Nature of Operations 55

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stockholders' Equity (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Stockholders' Equity	Stockholders’ Equity At the 2004 Annual Meeting of Stockholders, the Company’s stockholders approved the Company’s reincorporation to the State of Maryland. This reincorporation was completed in June 2004. Under Maryland law, there is no concept of “Treasury Shares.” Instead, shares purchased by the Company constitute authorized but unissued shares under Maryland law. Accounting principles generally accepted in the United States of America state that accounting for treasury stock shall conform to state law. The cost of shares purchased by the Company has been allocated to common stock and retained earnings balances.

Stock Compensation Plans (Polic

Stock Compensation Plans (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Stock Compensation Plans	Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 21 Compensation – Stock Compensation, For the years ended December 31, , 201 and 201 , share-based compensation expense totaling $ ,000, $ ,000 and $ ,000, respectively, was included in salaries and employee benefits expense in the consolidated statements of income.

Cash Equivalents (Policies)

Cash Equivalents (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Cash Equivalents	Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2016 and 2015 , cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2016 , nearly all of the interest-bearing deposits were uninsured with nearly all of these balances held at the Federal Home Loan Bank or the Federal Reserve Bank.

Income Taxes (Policies)

Income Taxes (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Income Taxes	Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, Income Taxes Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. At December 31, 201 and 201 , no valuation allowance was established. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries.

Derivatives and Hedging Activit

Derivatives and Hedging Activities (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Derivatives and Hedging Activities	Derivatives and Hedging Activities FASB ASC 815, Derivatives and Hedging instruments Note 1 8 . As required by FASB ASC 815, the Company records all derivatives in the statement of financial condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship

Restriction On Cash and Due Fro

Restriction On Cash and Due From Banks (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Restriction On Cash and Due From Banks	Restriction on Cash and Due From Banks The Bank is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2016 and 2015 , respectively, was $ 53.8 million and $ 58.9 million .

Recent Accounting Pronouncement

Recent Accounting Pronouncements (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Recent Accounting Pronouncements	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 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 In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230) In October 2016, the FASB issued ASU No. 2016-16, Income Taxes (Topic 740) In January 2017, the FASB issued ASU No. 2017-01, Business Combinations - Clarifying the Definition of a Business (Topic 805) In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350)

Note 2_ Investments in Securi62

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Mortgage-backed securities portfolio	At December 31, , the Company’s mortgage-backed securities portfolio consisted of FHLMC securities totaling $ million FNMA securities totaling $ million and GNMA securities totaling $ million . At December 31, 201 , $ million of the Company’s mortgage-backed securities had variable rates of interest and $ million had fixed rates of interest.

Note 2_ Investments in Securi63

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Certain investments in debt securities reported at less than historical cost	Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, and , was approximately $ million and $ million , respectively, which is approximately % and % of the Company’s available-for-sale and held-to-maturity investment portfolio, respectively.

Note 2_ Investments in Securi64

Note 2: Investments in Securities: Other-than-temporary Impairment (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Other-than-temporary Impairment	Other-than-Temporary Impairment Upon acquisition of a security, the Company decides whether it is within the scope of the accounting guidance for beneficial interests in securitized financial assets or will be evaluated for impairment under the accounting guidance for investments in debt and equity securities. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. For securities where the security is a beneficial interest in securitized financial assets, the Company uses the beneficial interests in securitized financial asset impairment model. For securities where the security is not a beneficial interest in securitized financial assets, the Company uses the debt and equity securities impairment model. The Company does not currently have securities within the scope of this guidance for beneficial interests in securitized financial assets. The Company routinely conducts periodic reviews to identify and evaluate each investment security to determine whether an other-than-temporary impairment has occurred. The Company considers the length of time a security has been in an unrealized loss position, the relative amount of the unrealized loss compared to the carrying value of the security, the type of security and other factors. If certain criteria are met, the Company performs additional review and evaluation using observable market values or various inputs in economic models to determine if an unrealized loss is other than temporary. The Company uses quoted market prices for marketable equity securities and uses broker pricing quotes based on observable inputs for equity investments that are not traded on a stock exchange. For nonagency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss. The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows. If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings. During and 201 , no securities were determined to have impairment that had become other than temporary.

Note 2_ Investments in Securi65

Note 2: Investments in Securities: Credit Losses Recognized On Investments (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Credit Losses Recognized On Investments	Credit Losses Recognized on Investments There were no debt securities have experienced fair value deterioration due to credit losses, as well as due to other market factors, but are not otherwise other-than-temporarily impaired.

Note 3_ Loans and Allowance F66

Note 3: Loans and Allowance For Loan Losses: Loan Portfolio Credit Quality Internal Grading System Policy (Policies)	12 Months Ended
	Dec. 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 acquired FDIC-covered and previously covered loans are evaluated using this internal grading system. These loans are accounted for in pools and the loans acquired in the Inter Savings Bank FDIC transaction are currently substantially covered through loss sharing agreements with the FDIC. The acquired non-covered loans are also evaluated using this internal grading system, and are also accounted for in pools. Minimal adverse classification in these acquired loan pools was identified as of December 31, 2016 and 2015, respectively. See Note 4 The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis. In the fourth quarter of 2014, the Company began using a three-year average of historical losses for the general component of the allowance for loan loss calculation. The Company had previously used a five-year average. The Company believes that the three-year average provides a better representation of the current risks in the loan portfolio. This change was made after consultation with our regulators and other third-party consultants, as well as a review of the practices used by the Company’s peers. This change did not materially affect the level of the allowance for loan losses. The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, the current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings. Management considers all these factors in determining the adequacy of its allowance for loan losses. No other significant changes were made to the loan risk grading system definitions and allowance for loan loss methodology during the past year.

Note 3_ Loans and Allowance F67

Note 3: Loans and Allowance For Loan Losses: Related Party Transactions Disclosure (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Related Party Transactions Disclosure	Certain directors and executive officers of the Company and the Bank are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit.

Note 4_ Acquired Loans, Loss 68

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Policies)	12 Months Ended
	Dec. 31, 2016
TeamBank
Business Combinations Policy	TeamBank On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The loans, commitments and foreclosed assets purchased in the TeamBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank 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 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. 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
Vantus Bank
Business Combinations Policy	Vantus Bank On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the Bank 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 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. The five-year period ended 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
Sun Security Bank
Business Combinations Policy	Sun Security Bank On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC agreed to cover 80% of the losses on the loans (excluding approximately $4 million of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A discount was recorded in conjunction with the fair value of the acquired loans and the amount accreted to yield during 2016, 2015 and 2014 was $0, $0 and $105,000, respectively.
InterBank
Business Combinations Policy	InterBank On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction are covered by a loss sharing agreement between the FDIC and Great Southern Bank. Under the loss sharing agreement, the FDIC has agreed to cover 80% of the losses on the loans (excluding approximately $60,000 of consumer loans) and foreclosed assets purchased subject to certain limitations. Realized losses covered by the loss sharing agreement include loan contractual balances (and related unfunded commitments that were acquired), accrued interest on loans for up to 90 days, the book value of foreclosed real estate acquired, and certain direct costs, less cash or other consideration received by Great Southern. This agreement extends for ten years for 1-4 family real estate loans and for five years for other loans. The value of this loss sharing agreement was considered in determining fair values of loans and foreclosed assets acquired. The loss sharing agreement is subject to the Bank following servicing procedures as specified in the agreement with the FDIC. The expected reimbursements under the loss sharing agreement were recorded as an indemnification asset at their preliminary estimated fair value on the acquisition date. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The Bank recorded the fair value of the acquired loans at their estimated fair value of $285.5 million and the related FDIC indemnification asset was recorded at its estimated fair value of $84.0 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2016, 2015 and 2014 was $359,000, $459,000 and $544,000, respectively.
Valley Bank
Business Combinations Policy	Valley Bank 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, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa. This transaction did not include a loss sharing agreement. In this transaction, the Company acquired assets with a fair value of approximately $378.7 million (approximately 10.0% of the Company’s total consolidated assets at acquisition) and assumed liabilities with a fair value of approximately $367.9 million (approximately 9.8% of the Company’s total consolidated assets at acquisition). Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The transaction resulted in a one-time gain of $10.8 million, which was included in Noninterest Income in the Company’s Consolidated Statement of Income for the year ended December 31, 2014. During 2014, the Company continued to analyze its estimates of the fair values of the assets acquired and liabilities assumed. The Company finalized its analysis of these assets and liabilities without adjustments to the initial fair value estimates. The Bank recorded the fair value of the acquired loans at their estimated fair value of $165.1 million. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2016, 2015 and 2014 was $491,000, $794,000 and $501,000, respectively.

Note 4_ Acquired Loans, Loss 69

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Loss Sharing Agreements (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Loss Sharing Agreements	Loss Sharing Agreements On April 26, 2016, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for TeamBank, Vantus Bank and Sun Security Bank, effective immediately. The agreement required the FDIC to pay $4.4 million to settle all outstanding items related to the terminated loss sharing agreements. As a result of entering into the agreement, assets that were covered by the terminated loss sharing agreements, including covered loans in the amount of $61.5 million and covered other real estate owned in the amount of $468,000 as of March 31, 2016, were reclassified as non-covered assets effective April 26, 2016. In anticipation of terminating the loss sharing agreements, an impairment of the related indemnification assets was recorded during the three months ended March 31, 2016 in the amount of $584,000. On the date of the termination, the indemnification asset balances (and certain other receivables from the FDIC) related to TeamBank, Vantus Bank and Sun Security Bank, which totaled $4.4 million, net of impairment, at March 31, 2016, became $-0- as a result of the receipt of funds from the FDIC as outlined in the termination agreement. There will be no future effects on non-interest income (expense) related to adjustments or amortization of the indemnification assets for TeamBank, Vantus Bank or Sun Security Bank; however, adjustments and amortization related to the InterBank indemnification asset and loss sharing agreement will continue. The remaining accretable yield adjustments that affect interest income are not changed by this transaction and will continue to be recognized for all FDIC-assisted transactions in the same manner as they have been previously. The termination of the loss sharing agreements for the TeamBank, Vantus Bank and Sun Security Bank transactions have no impact on the yields for the loans that were previously covered under these agreements. All post-termination recoveries, gains, losses and expenses related to these previously covered assets are recognized entirely by Great Southern Bank since the FDIC no longer shares in such gains or losses. Accordingly, the Company’s earnings are 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 4_ Acquired Loans, Loss 70

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Acquisition Fair Value and Expected Cash Flows Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Business Acquisition Fair Value and Expected Cash Flows Policy	Fair Value and Expected Cash Flows At the time of these acquisitions, the Company determined the fair value of the loan portfolios based on several assumptions. Factors considered in the valuations were projected cash flows for the loans, type of loan and related collateral, classification status, fixed or variable interest rate, term of loan, current discount rates and whether or not the loan was amortizing. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. Management also estimated the amount of credit losses that were expected to be realized for the loan portfolios. The discounted cash flow approach was used to value each pool of loans. For non-performing loans, fair value was estimated by calculating the present value of the recoverable cash flows using a discount rate based on comparable corporate bond rates. This valuation of the acquired loans is a significant component leading to the valuation of the loss sharing assets recorded. The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. The Company continues to evaluate the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the years ended December 31, , 201 and 201 , increases in expected cash flows related to the acquired loan portfolios resulted in adjustments to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. The increases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements . This resulted in corresponding adjustments during the years ended December 31, , 201 and 201 , to the indemnification assets to be amortized on a level-yield basis over the remainder of the loss sharing agreements or the remaining expected lives of the loan pools, whichever is shorter.

Note 4_ Acquired Loans, Loss 71

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy (Policies)	12 Months Ended
	Dec. 31, 2016
TeamBank
FDIC Indemnification Asset Policy	TeamBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the TeamBank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $7 million of charge-downs to customer loan balances . Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above.
Vantus Bank
FDIC Indemnification Asset Policy	Vantus Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Vantus Bank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $16. million of transfers to foreclosed assets and $29. million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 23,712 $ 15 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (239) — Original estimated fair value of assets, net of activity since acquisition date (23,232 (15 Expected loss remaining $ 241 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 31,818 $ 608 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (470) — Original estimated fair value of assets, net of activity since acquisition date (31,092 (418 Expected loss remaining 256 190 Assumed loss sharing recovery percentage 61 0 Expected loss sharing value 156 — Indemnification asset to be amortized resulting from change in expected losses 319 — FDIC indemnification asset $ 475 $ —
Sun Security Bank
FDIC Indemnification Asset Policy	Sun Security Bank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the Sun Security Bank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $ million of charge-downs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 33,579 $ 365 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,086) — Original estimated fair value of assets, net of activity since acquisition date (31,499 (286 Expected loss remaining $ 994 $ 79 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 43,855 $ 557 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,171) — Original estimated fair value of assets, net of activity since acquisition date (40,349 (461 Expected loss remaining 1,335 96 Assumed loss sharing recovery percentage 34 80 Expected loss sharing value 456 77 Indemnification asset to be amortized resulting from change in expected losses 1,725 — — Accretable discount on FDIC indemnification asset (36 (63 FDIC indemnification asset $ 2,145 $ 14
InterBank
FDIC Indemnification Asset Policy	InterBank Loans, Foreclosed Assets and Indemnification Asset The following tables present the balances of the loans, discount and FDIC indemnification asset related to the InterBank transaction at December 31, and . ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ million of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 149,657 $ 1,417 Noncredit premium/(discount), net of activity since acquisition date 543 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,984) — Original estimated fair value of assets, net of activity since acquisition date (134,355 (1,417 Expected loss remaining 13,861 — Assumed loss sharing recovery percentage 84 — Expected loss sharing value 11,644 — FDIC loss share clawback 953 — Indemnification asset to be amortized resulting from change in expected losses 1,586 — Accretable discount on FDIC indemnification asset (1,038 — FDIC indemnification asset $ 13,145 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 193,654 $ 2,110 Noncredit premium/(discount), net of activity since acquisition date 902 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (4,901) — Original estimated fair value of assets, net of activity since acquisition date (170,308 (1,392 Expected loss remaining 19,347 718 Assumed loss sharing recovery percentage 83 80 Expected loss sharing value 16,032 575 FDIC loss share clawback 2,360 — Indemnification asset to be amortized resulting from change in expected losses 3,920 — Accretable discount on FDIC indemnification asset (1,801 (33 FDIC indemnification asset $ 20,511 $ 542
Valley Bank
FDIC Indemnification Asset Policy	Valley Bank Loans and Foreclosed Assets The following tables present the balances of the loans and discount related to the Valley Bank transaction at December 31, ross loan balances (due from the borrower) were reduced approximately $ million since the transaction date because of $ million of repayments by the borrower, $ of transfers to foreclosed assets and $ million of charge-offs to customer loan balances. The Valley Bank transaction did not include a loss sharing agreement; however, the loans were recorded at a discount, which is accreted to yield over the life of the loans. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above. December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 84,283 $ 1,973 Noncredit premium/(discount), net of activity since acquisition date 228 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,121) — Original estimated fair value of assets, net of activity since acquisition date (76,231 (1,952 Expected loss remaining $ 6,159 $ 21 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 109,791 $ 1,017 Noncredit premium/(discount), net of activity since acquisition date 719 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,213) — Original estimated fair value of assets, net of activity since acquisition date (93,436 (995 Expected loss remaining $ 13,861 $ 22

Note 7_ Investments in Limite72

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Investments in Affordable Housing Partnerships Policy	The Company has invested in certain limited partnerships that were formed to develop and operate apartments and single-family houses designed as high-quality affordable housing for lower income tenants throughout Missouri and contiguous states. At December 31, 201 , the Company had investments, with a net carrying value of $ million . At December 31, 201 , the Company had investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in Affordable Housing Partnerships, they all are accounted for using the proportional amortization method. Each of the partnerships must meet the regulatory requirements for affordable housing for a minimum 15-year compliance period to fully utilize the tax credits. If the partnerships cease to qualify during the compliance period, the credits may be denied for any period in which the projects are not in compliance and a portion of the credits previously taken may be subject to recapture with interest. The remaining federal affordable housing tax credits to be utilized over a maximum of 15 years were $ million as of December 31, , assuming no tax credit recapture events occur and all projects currently under construction are completed as planned. Amortization of the investments in partnerships is expected to be approximately $ million , assuming all projects currently under construction are completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $ million , $ million and $ million during , and , respectively. Investment amortization amounted to $ million , $ million and $ million for the years ended December 31, , and , respectively.

Note 7_ Investments in Limite73

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Investments in Community Development Entities Policy	The Company has invested in certain limited partnerships that were formed to develop and operate business and real estate projects located in low-income communities. At December 31, , the Company had investments, with a net carrying value of $ million . At December 31, , the Company had four investments, with a net carrying value of $ million . Due to the Company’s inability to exercise any significant influence over any of the investments in qualified Community Development Entities, they are all accounted for using the cost method. Each of the partnerships provides federal New Market Tax Credits over a seven-year credit allowance period. In each of the first three years, credits totaling five percent of the original investment are allowed on the credit allowance dates and for the final four years, credits totaling six percent of the original investment are allowed on the credit allowance dates. Each of the partnerships must be invested in a qualified Community Development Entity on each of the credit allowance dates during the seven-year period to utilize the tax credits. If the Community Development Entities cease to qualify during the seven-year period, the credits may be denied for any credit allowance date and a portion of the credits previously taken may be subject to recapture with interest. The investments in the Community Development Entities cannot be redeemed before the end of the seven-year period. The remaining federal New Market Tax Credits to be utilized over a maximum of seven years were $ million as of December 31, . Amortization of the investments in partnerships is expected to be approximately million . The Company’s usage of federal New Market Tax Credits approximated $2.3 million , $2.3 million and $ million during , and , respectively. Investment amortization amounted to $1.7 million , $1. million and $1. million for the years ended December 31, , and , respectively.

Note 16_ Disclosures About Fa74

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Loans Held for Sale Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value Loans Held for Sale Policy	Loans Held for Sale Mortgage loans held for sale are recorded at the lower of carrying value or fair value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as Nonrecurring Level 2. Write-downs to fair value typically do not occur as the Company generally enters into commitments to sell individual mortgage loans at the time the loan is originated to reduce market risk. The Company typically does not have commercial loans held for sale. At December 31, 201 and 201 , the aggregate fair value of mortgage loans held for sale exceeded their cost. Accordingly, no mortgage loans held for sale were marked down and reported at fair value

Note 16_ Disclosures About Fa75

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Impaired Loans Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value Impaired Loans Policy	Impaired Loans A loan is considered to be impaired when it is probable that all of the principal and interest due may not be collected according to its contractual terms. Generally, when a loan is considered impaired, the amount of reserve required under FASB ASC 310, Receivables The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off for the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the years ended December 31, 201 and 201 , are shown in the table above (net of reserves).

Note 16_ Disclosures About Fa76

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Foreclosed Assets Held for Sale Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value Foreclosed Assets Held for Sale Policy	Foreclosed Assets Held for Sale Foreclosed assets held for sale are initially recorded at fair value less estimated cost to sell at the date of foreclosure. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy. The foreclosed assets represented in the table above have been re-measured during the years ended December 31, 201 and 201 , subsequent to their initial transfer to foreclosed assets. The following disclosure relates to financial assets for which it is not practicable for the Company to estimate the fair value at December 31, 201 and 201

Note 16_ Disclosures About Fa77

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value FDIC Indemnification Asset Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value FDIC Indemnification Asset Policy	FDIC Indemnification Asset As part of certain Purchase and Assumption Agreements, the Bank and the FDIC entered into loss sharing agreements. These agreements cover realized losses on loans and foreclosed real estate subject to certain limitations which are more fully described in Note 4 Under the TeamBank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $115 million in realized losses and 95% for realized losses that exceed $115 million. The indemnification asset was originally recorded at fair value on the acquisition date (March 20, 2009) and at December 31, 201 and 201 , the carrying value was $ and $ ,000, respectively. Under the Vantus Bank agreement, the FDIC agreed to reimburse the Bank for 80% of the first $102 million in realized losses and 95% for realized losses that exceed $102 million. The indemnification asset was originally recorded at fair value on the acquisition date (September 4, 2009) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ and $ ,000, respectively. Under the Sun Security Bank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (October 7, 2011) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ and $ million, respectively. Under the InterBank agreement, the FDIC agreed to reimburse the Bank for 80% of realized losses. The indemnification asset was originally recorded at fair value on the acquisition date (April 27, 2012) and at December 31, 201 and 201 , the carrying value of the FDIC indemnification asset was $ million and $ million, respectively. From the dates of acquisition, each of the four loss sharing agreements were scheduled to 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 related indemnification assets became $0. The termination of the loss sharing agreements is discussed in Note 4 .

Note 16_ Disclosures About Fa78

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value of Financial Instruments Policy (Policies)	12 Months Ended
	Dec. 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 16_ Disclosures About Fa79

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Cash and Cash Equivalents and Federal Home Loan Bank Stock Policy (Policies)	12 Months Ended
	Dec. 31, 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 The carrying amount approximates fair value

Note 16_ Disclosures About Fa80

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Loans and Interest Receivable Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value Loans and Interest Receivable Policy	Loans and Interest Receivable The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans with similar characteristics are aggregated for purposes of the calculations. The carrying amount of accrued interest receivable approximates its fair value

Note 16_ Disclosures About Fa81

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Deposits and Accrued Interest Payable Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value Deposits and Accrued Interest Payable Policy	Deposits and Accrued Interest Payable The fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date, i.e.

Note 16_ Disclosures About Fa82

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Federal home Loan Bank Advances Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value Federal home Loan Bank Advances Policy	Federal Home Loan Bank Advances Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate fair value of existing advances

Note 16_ Disclosures About Fa83

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value Short-Term Borrowings Policy (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Fair Value Short-Term Borrowings Policy	Short-Term Borrowings The carrying amount approximates fair value

Note 16_ Disclosures About Fa84

Note 16: Disclosures About Fair Value of Financial Instruments: Subordinated Debentures Issued To Capital Trusts (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Subordinated Debentures Issued To Capital Trusts	Subordinated Debentures Issued to Capital Trusts The subordinated debentures have floating rates that reset quarterly. The carrying amount of these debentures approximates their fair value.

Note 16_ Disclosures About Fa85

Note 16: Disclosures About Fair Value of Financial Instruments: Subordinated Notes (Policies)	12 Months Ended
	Dec. 31, 2016
Policies
Subordinated Notes	Subordinated Notes The fair values used by the Company are obtained from quoted market prices

Note 1_ Nature of Operations 86

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets: Schedule of Intangible Assets and Goodwill (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Intangible Assets and Goodwill	December 31, 2016 2015 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 1,169 Deposit intangibles TeamBank — 105 Vantus Bank — 207 Sun Security Bank 613 964 InterBank 327 472 Boulevard Bank 519 641 Valley Bank 1,800 2,200 Fifth Third Bank 3,845 — 7,104 4 ,589 $ 12,500 $ 5,758

Earnings Per Common Share_ Sche

Earnings Per Common Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	2016 2015 2014 (In Thousands, Except Per Share Data) Net income $ 45,342 $ 46,502 $ 43,529 Net income available to common shareholders $ 45,342 $ 45,948 $ 42,950 Average common shares outstanding 13,912 13,818 13,700 Average common share stock options outstanding 229 182 176 Average diluted common shares 14,141 14,000 13,876 Earnings per common share – basic $ 3.26 $ 3.33 $ 3.14 Earnings per common share – diluted $ 3.21 $ 3.28 $ 3.10

Note 2_ Investments in Securi88

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Available-for-sale Securities Reconciliation	December 31, 2016 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Mortgage-backed securities $ 146,491 $ 1,045 $ 1,501 $ 146,035 States and political subdivisions 64,682 3,163 8 67,837 $ 211,173 $ 4,208 $ 1,509 $ 213,872 December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) U.S. government agencies $ 20,000 $ — $ 219 $ 19,781 Mortgage-backed securities 159,777 2,038 601 161,214 States and political subdivisions 72,951 5,081 1 78,031 Other securities 847 2,983 — 3,830 $ 253,575 $ 10,102 $ 821 $ 262,856

Note 2_ Investments in Securi89

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Investments Classified by Contractual Maturity Date	Amortized Fair Cost Value (In Thousands) After one through five years $ 633 $ 642 After five through ten years 7,987 8,189 After ten years 56,062 59,006 Securities not due on a single maturity date 146,491 146,035 $ 211,173 $ 213,872

Note 2_ Investments in Securi90

Note 2: Investments in Securities: Held to Maturity Securities (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Held to Maturity Securities	December 31, 2016 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 247 $ 11 $ — $ 258 December 31, 2015 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 353 $ 31 $ — $ 384

Note 2_ Investments in Securi91

Note 2: Investments in Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Contractual Obligation, Fiscal Year Maturity Schedule	Amortized Fair Cost Value (In Thousands) After one through five years $ 247 $ 258

Note 2_ Investments in Securi92

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Financial Instruments Owned and Pledged as Collateral	2016 2015 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 57,841 $ 59,082 $ 60,355 $ 62,288 Collateralized borrowing accounts 98,787 97,498 131,813 131,950 Other 6,599 6,813 5,149 5,330 $ 163,227 $ 163,393 $ 197,317 $ 199,568

Note 2_ Investments in Securi93

Note 2: Investments in Securities: Unrealized Gain (Loss) on Investments (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Unrealized Gain (Loss) on Investments	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 $ 102,296 $ (1,501) $ — $ — $ 102,296 $ (1,501) States and political subdivisions 2,164 (8) — — 2,164 (8 $ 104,460 $ (1,509 $ — $ — $ 104,460 $ (1,509 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 $ 19,781 $ (219) $ — $ — $ 19,781 $ (219) Mortgage-backed securities 45,146 (348) 9,382 (253) 54,528 (601) States and political subdivisions — — 909 (1) 909 (1 $ 64,927 $ (567 $ 10,291 $ (254 $ 75,218 $ (821

Note 3_ Loans and Allowance F94

Note 3: Loans and Allowance For Loan Losses: Schedule of Loans (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Loans	2016 2015 (In Thousands) One- to four-family residential construction $ 21,737 $ 23,526 Subdivision construction 17,186 38,504 Land development 50,624 58,440 Commercial construction 780,614 600,794 Owner occupied one- to four-family residential 200,340 110,277 Non-owner occupied one- to four-family residential 136,924 149,874 Commercial real estate 1,186,906 1,043,474 Other residential 663,378 419,549 Commercial business 348,628 357,580 Industrial revenue bonds 25,065 37,362 Consumer auto 494,233 439,895 Consumer other 70,001 74,829 Home equity lines of credit 108,753 83,966 Acquired FDIC-covered loans, net of discounts 134,356 236,071 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 72,569 33,338 Acquired non-covered loans, net of discounts 76,234 93,436 4,387,548 3,800,915 Undisbursed portion of loans in process (585,313) (418,702) Allowance for loan losses (37,400) (38,149) Deferred loan fees and gains, net (4,869 (3,528 $ 3,759,966 $ 3,340,536

Note 3_ Loans and Allowance F95

Note 3: Loans and Allowance For Loan Losses: Classes of Loans by Aging (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Classes of Loans by Aging	December 31, 2016 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 $ — $ — $ — $ — $ 21,737 $ 21,737 $ — Subdivision construction — — 109 109 17,077 17,186 — Land development 413 584 1,718 2,715 47,909 50,624 — Commercial construction — — — — 780,614 780,614 — Owner occupied one- to four- family residential 1,760 388 1,125 3,273 197,067 200,340 — Non-owner occupied one- to four-family residential 309 278 404 991 135,933 136,924 — Commercial real estate 1,969 1,988 4,404 8,361 1,178,545 1,186,906 — Other residential 4,632 — 162 4,794 658,584 663,378 — Commercial business 1,741 24 3,088 4,853 343,775 348,628 — Industrial revenue bonds — — — — 25,065 25,065 — Consumer auto 8,252 2,451 1,989 12,692 481,541 494,233 — Consumer other 1,103 278 649 2,030 67,971 70,001 — Home equity lines of credit 136 158 433 727 108,026 108,753 — Acquired FDIC-covered loans, net of discounts 4,476 1,201 8,226 13,903 120,453 134,356 301 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 1,356 552 1,401 3,309 69,260 72,569 222 Acquired non-covered loans, net of discounts 851 173 2,854 3,878 72,356 76,234 — 26,998 8,075 26,562 61,635 4,325,913 4,387,548 523 Less FDIC-supported loans, and acquired non-covered loans, net of discounts 6,683 1,926 12,481 21,090 262,069 283,159 523 Total $ 20,315 $ 6,149 $ 14,081 $ 40,545 $ 4,063,844 $ 4,104,389 $ — 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 3_ Loans and Allowance F96

Note 3: Loans and Allowance For Loan Losses: Schedule of Financing Receivables NonAccrual Status (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Financing Receivables NonAccrual Status	Nonaccruing loans are summarized as follows: December 31, 2016 2015 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction 109 — Land development 1,718 139 Commercial construction — — Owner occupied one- to four-family residential 1,125 715 Non-owner occupied one- to four-family residential 404 345 Commercial real estate 4,404 13,488 Other residential 162 — Commercial business 3,088 288 Industrial revenue bonds — — Consumer auto 1,989 721 Consumer other 649 576 Home equity lines of credit 433 297 Total $ 14,081 $ 16,569

Note 3_ Loans and Allowance F97

Note 3: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Allowance for Credit Losses on Financing Receivables	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2016, 2015 and 2014, respectively. 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 the years ended December 31, 2016, 2015, and 2014, respectively: December 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 (2,407) 2,260 5,632 (827) (926) 5,549 9,281 Losses charged off (229) (16) (5,653) (31) (589) (8,751) (15,269) Recoveries 58 52 1,221 123 327 3,458 5,239 Balance, December 31, 2016 $ 2,322 $ 5,486 $ 15,938 $ 2,284 $ 3,015 $ 8,355 $ 37,400 Ending balance: Individually evaluated for impairment $ 570 $ — $ 2,209 $ 1,291 $ 1,295 $ 997 $ 6,362 Collectively evaluated for impairment $ 1,628 $ 5,396 $ 13,507 $ 953 $ 1,681 $ 7,248 $ 30,413 Loans acquired and accounted for under ASC 310-30 $ 124 $ 90 $ 222 $ 40 $ 39 $ 110 $ 625 Loans Individually evaluated for impairment $ 6,015 $ 3,812 $ 10,507 $ 6,023 $ 4,539 $ 3,385 $ 34,281 Collectively evaluated for impairment $ 370,172 $ 659,566 $ 1,176,399 $ 825,215 $ 369,154 $ 669,602 $ 4,070,108 Loans acquired and accounted for under ASC 310-30 $ 155,378 $ 29,600 $ 54,208 $ 2,191 $ 6,429 $ 35,353 $ 283,159 December 31, 2015 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2015 $ 3,455 $ 2,941 $ 19,773 $ 3,562 $ 3,679 $ 5,025 $ 38,435 Provision (benefit) charged to expense 1,428 193 (2,753) (619) 1,450 5,820 5,519 Losses charged off (80) (2) (2,584) (329) (1,202) (5,315) (9,512) Recoveries 97 58 302 405 276 2,569 3,707 Balance, December 31, 2015 $ 4,900 $ 3,190 $ 14,738 $ 3,019 $ 4,203 $ 8,099 $ 38,149 Ending balance: Individually evaluated for impairment $ 731 $ — $ 2,556 $ 1,391 $ 1,115 $ 300 $ 6,093 Collectively evaluated for impairment $ 3,464 $ 3,122 $ 11,888 $ 1,570 $ 2,862 $ 7,647 $ 30,553 Loans acquired and accounted for under ASC 310-30 $ 705 $ 68 $ 294 $ 58 $ 226 $ 152 $ 1,503 Loans Individually evaluated for impairment $ 6,129 $ 9,533 $ 34,629 $ 7,555 $ 2,365 $ 1,950 $ 62,161 Collectively evaluated for impairment $ 316,052 $ 410,016 $ 1,008,845 $ 651,679 $ 392,577 $ 596,740 $ 3,375,909 Loans acquired and accounted for under ASC 310-30 $ 194,697 $ 35,945 $ 73,148 $ 4,981 $ 10,500 $ 43,574 $ 362,845 December 31, 2014 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for Loan Losses Balance, January 1, 2014 $ 6,235 $ 2,678 $ 16,939 $ 4,464 $ 6,451 $ 3,349 $ 40,116 Provision (benefit) charged to expense (1,025) 227 1,855 (957) 409 3,642 4,151 Losses charged off (2,251) (1) (2,160) (126) (3,286) (4,005) (11,829) Recoveries 496 37 3,139 181 105 2,039 5,997 Balance, December 31, 2014 $ 3,455 $ 2,941 $ 19,773 $ 3,562 $ 3,679 $ 5,025 $ 38,435 Ending balance: Individually evaluated for impairment $ 829 $ — $ 1,751 $ 1,507 $ 823 $ 232 $ 5,142 Collectively evaluated for impairment $ 2,532 $ 2,923 $ 16,671 $ 1,905 $ 2,805 $ 4,321 $ 31,157 Loans acquired and accounted for under ASC 310-30 $ 94 $ 18 $ 1,351 $ 150 $ 51 $ 472 $ 2,136 Loans Individually evaluated for impairment $ 11,488 $ 9,804 $ 28,641 $ 7,601 $ 2,725 $ 1,480 $ 61,739 Collectively evaluated for impairment $ 288,066 $ 382,610 $ 917,235 $ 437,424 $ 392,348 $ 466,174 $ 2,883,857 Loans acquired and accounted for under ASC 310-30 $ 234,158 $ 48,470 $ 107,278 $ 1,937 $ 17,789 $ 48,903 $ 458,535

Note 3_ Loans and Allowance F98

Note 3: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Impaired Financing Receivables	Year Ended December 31, 2016 December 31, 2016 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ — Subdivision construction 818 829 131 948 46 Land development 6,023 6,120 1,291 8,020 304 Commercial construction — — — — — Owner occupied one- to four-family residential 3,290 3,555 375 3,267 182 Non-owner occupied one- to four-family residential 1,907 2,177 65 1,886 113 Commercial real estate 10,507 12,121 2,209 23,928 984 Other residential 3,812 3,812 — 6,813 258 Commercial business 4,539 4,652 1,294 2,542 185 Industrial revenue bonds — — — — — Consumer auto 2,097 2,178 629 1,307 141 Consumer other 812 887 244 884 70 Home equity lines of credit 476 492 124 417 32 Total $ 34,281 $ 36,823 $ 6,362 $ 50,012 $ 2,315 Year Ended December 31, 2015 December 31, 2015 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ 633 $ 35 Subdivision construction 1,061 1,061 214 3,533 109 Land development 7,555 7,644 1,391 7,432 287 Commercial construction — — — — — Owner occupied one- to four-family residential 3,166 3,427 389 3,587 179 Non-owner occupied one- to four-family residential 1,902 2,138 128 1,769 100 Commercial real estate 34,629 37,259 2,556 28,610 1,594 Other residential 9,533 9,533 — 9,670 378 Commercial business 2,365 2,539 1,115 2,268 138 Industrial revenue bonds — — — — — Consumer auto 791 829 119 576 59 Consumer other 802 885 120 672 74 Home equity lines of credit 357 374 61 403 27 Total $ 62,161 $ 65,689 $ 6,093 $ 59,153 $ 2,980 Year Ended December 31, 2014 December 31, 2014 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ 1,312 $ 1,312 $ — $ 173 $ 76 Subdivision construction 4,540 4,540 344 2,593 226 Land development 7,601 8,044 1,507 9,691 292 Commercial construction — — — — — Owner occupied one- to four-family residential 3,747 4,094 407 4,808 212 Non-owner occupied one- to four-family residential 1,889 2,113 78 4,010 94 Commercial real estate 28,641 30,781 1,751 29,808 1,253 Other residential 9,804 9,804 — 10,469 407 Commercial business 2,725 2,750 823 2,579 158 Industrial revenue bonds — — — 2,644 — Consumer auto 420 507 63 219 37 Consumer other 629 765 94 676 71 Home equity lines of credit 431 476 75 461 25 Total $ 61,739 $ 65,186 $ 5,142 $ 68,131 $ 2,851

Note 3_ Loans and Allowance F99

Note 3: Loans and Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Troubled Debt Restructurings on Financing Receivables	The following table presents newly restructured loans during 201 and 201 by type of modification: 2016 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ 60 $ — $ — $ 60 Commercial 2,946 — — 2,946 Construction and land development 429 — — 429 Commercial business — 38 — 38 Consumer — 59 — 59 $ 3,435 $ 97 $ — $ 3,532 2015 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ — $ 407 $ 164 $ 571 Commercial — 115 — 115 Commercial business — 1,095 — 1,095 Consumer — 97 — 97 $ — $ 1,714 $ 164 $ 1,878 2014 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One- to four-family residential construction $ — $ — $ 223 $ 223 Subdivision construction — 250 — 250 Residential one-to-four family 308 426 — 734 Commercial 506 1,928 — 2,434 Other residential — 1,881 — 1,881 Commercial — 1,150 — 1,150 Consumer — 145 — 145 $ 814 $ 5,780 $ 223 $ 6,817

Note 3_ Loans and Allowance 100

Note 3: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Financing Receivable Credit Quality Indicators	December 31, 2016 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 20,771 $ 966 $ — $ — $ — $ 21,737 Subdivision construction 14,059 2,729 — 398 — 17,186 Land development 39,925 5,140 — 5,559 — 50,624 Commercial construction 780,614 — — — — 780,614 Owner occupied one- to-four- family residential 198,835 67 — 1,438 — 200,340 Non-owner occupied one- to- four-family residential 135,930 465 — 529 — 136,924 Commercial real estate 1,160,280 20,154 — 6,472 — 1,186,906 Other residential 658,846 4,370 — 162 — 663,378 Commercial business 342,685 2,651 — 3,292 — 348,628 Industrial revenue bonds 25,065 — — — — 25,065 Consumer auto 492,165 — — 2,068 — 494,233 Consumer other 69,338 — — 663 — 70,001 Home equity lines of credit 108,290 — — 463 — 108,753 Acquired FDIC-covered loans, net of discounts 134,356 — — — — 134,356 Acquired loans no longer covered by FDIC loss sharing agreements, net of discounts 72,552 — — 17 — 72,569 Acquired non-covered loans, net of discounts 76,234 — — — — 76,234 Total $ 4,329,945 $ 36,542 $ — $ 21,061 $ — $ 4,387,548 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 3_ Loans and Allowance 101

Note 3: Loans and Allowance For Loan Losses: Schedule of Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Related Party Transactions	2016 2015 (In Thousands) Balance, beginning of year $14,287 $16,028 New loans 14,299 3,390 Payments (3,793) (5,131) Balance, end of year $24,793 $14,287

Note 4_ Acquired Loans, Loss102

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Business Combination Accretable Yield (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Business Combination Accretable Yield	Year Ended December 31, 2016 2015 2014 (In Thousands) Increase in accretable yield due to increased cash flow expectations $ 10,598 $ 13,720 $ 31,461 Decrease in FDIC indemnification asset as a result of accretable yield increase (2,744) (5,056) (23,129)

Note 4_ Acquired Loans, Loss103

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Impact of Acquired Loans on Financial Results (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Impact of Acquired Loans on Financial Results	Year Ended December 31, 2016 2015 2014 (In Thousands) Interest income $ 16,393 $ 28,531 $ 34,974 Noninterest income (7,033 (19,534 (28,740 Net impact to pre-tax income $ 9,360 $ 8,997 $ 6,234

Note 4_ Acquired Loans, Loss104

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Tables)	12 Months Ended
	Dec. 31, 2016
TeamBank
FDIC Indemnification Asset Roll Forward	December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 18,838 $ 14 Reclassification from nonaccretable discount to accretable discount due to change in (846) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (17,833 (14) Expected loss remaining $ 159 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 29,115 $ — Reclassification from nonaccretable discount to accretable discount due to change in (1,285) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (27,660 — Expected loss remaining 170 — Assumed loss sharing recovery percentage 90 0 Expected loss sharing value 154 — Indemnification asset to be amortized resulting from — — change in expected losses 241 — FDIC indemnification asset $ 395 $ —

Note 4_ Acquired Loans, Loss105

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy: FDIC Indemnification Asset Roll Forward (Tables)	12 Months Ended
	Dec. 31, 2016
Vantus Bank
FDIC Indemnification Asset Roll Forward	December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 23,712 $ 15 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (239) — Original estimated fair value of assets, net of activity since acquisition date (23,232 (15 Expected loss remaining $ 241 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 31,818 $ 608 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (470) — Original estimated fair value of assets, net of activity since acquisition date (31,092 (418 Expected loss remaining 256 190 Assumed loss sharing recovery percentage 61 0 Expected loss sharing value 156 — Indemnification asset to be amortized resulting from change in expected losses 319 — FDIC indemnification asset $ 475 $ —
Sun Security Bank
FDIC Indemnification Asset Roll Forward	December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 33,579 $ 365 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,086) — Original estimated fair value of assets, net of activity since acquisition date (31,499 (286 Expected loss remaining $ 994 $ 79 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 43,855 $ 557 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,171) — Original estimated fair value of assets, net of activity since acquisition date (40,349 (461 Expected loss remaining 1,335 96 Assumed loss sharing recovery percentage 34 80 Expected loss sharing value 456 77 Indemnification asset to be amortized resulting from change in expected losses 1,725 — — Accretable discount on FDIC indemnification asset (36 (63 FDIC indemnification asset $ 2,145 $ 14
InterBank
FDIC Indemnification Asset Roll Forward	December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 149,657 $ 1,417 Noncredit premium/(discount), net of activity since acquisition date 543 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,984) — Original estimated fair value of assets, net of activity since acquisition date (134,355 (1,417 Expected loss remaining 13,861 — Assumed loss sharing recovery percentage 84 — Expected loss sharing value 11,644 — FDIC loss share clawback 953 — Indemnification asset to be amortized resulting from change in expected losses 1,586 — Accretable discount on FDIC indemnification asset (1,038 — FDIC indemnification asset $ 13,145 $ — December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 193,654 $ 2,110 Noncredit premium/(discount), net of activity since acquisition date 902 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (4,901) — Original estimated fair value of assets, net of activity since acquisition date (170,308 (1,392 Expected loss remaining 19,347 718 Assumed loss sharing recovery percentage 83 80 Expected loss sharing value 16,032 575 FDIC loss share clawback 2,360 — Indemnification asset to be amortized resulting from change in expected losses 3,920 — Accretable discount on FDIC indemnification asset (1,801 (33 FDIC indemnification asset $ 20,511 $ 542
Valley Bank
FDIC Indemnification Asset Roll Forward	December 31, 2016 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 84,283 $ 1,973 Noncredit premium/(discount), net of activity since acquisition date 228 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (2,121) — Original estimated fair value of assets, net of activity since acquisition date (76,231 (1,952 Expected loss remaining $ 6,159 $ 21 December 31, 2015 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 109,791 $ 1,017 Noncredit premium/(discount), net of activity since acquisition date 719 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (3,213) — Original estimated fair value of assets, net of activity since acquisition date (93,436 (995 Expected loss remaining $ 13,861 $ 22

Note 4_ Acquired Loans, Loss106

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Changes in Accretable Yield for Acquired Loan Pools (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Changes in Accretable Yield for Acquired Loan Pools	Sun TeamBank Vantus Bank Security Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2014 $7,402 $5,725 $ 11,113 $40,095 $-- Additions -- -- -- -- 22,976 Accretion (4,138) (3,835) (10,590) (37,994) (4,788) Reclassification from nonaccretable difference (1) 3,601 2,563 7,429 33,991 (7,056) Balance, December 31, 2014 6,865 4,453 7,952 36,092 11,132 Accretion (3,265) (2,541) (5,487) (28,767) (10,975) Reclassification from nonaccretable difference (1) 205 1,448 3,459 9,022 8,159 Balance, December 31, 2015 3,805 3,360 5,924 16,347 8,316 Accretion (1,834) (1,877) (3,832) (13,964) (11,933) Reclassification from nonaccretable difference (1) 506 1,064 2,185 6,129 8,414 Balance, December 31, 2016 $ 2,477 $ 2,547 $ 4,277 $ 8,512 $ 4,797 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2016, totaling $506,000, $1.0 million, $1.8 million, $2.7 million and $1.6 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2015, totaling $40,000, $1.1 million, $2.0 million, $4.8 million and $759,000, respectively; and for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2014, totaling $3.2 million, $2.4 million, $3.9 million, $9.2 million and $(9.6 million), respectively.

Note 5_ Other Real Estate Ow107

Note 5: Other Real Estate Owned: Schedule of major classifications of other real estate owned (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of major classifications of other real estate owned	2016 2015 (In Thousands) Foreclosed assets held for sale One- to four-family construction $ $ Subdivision construction 6,360 7,016 Land development 10,886 12,133 Commercial construction One- to four-family residential 1,217 1,375 Other residential 954 2,150 Commercial real estate 3,841 3,608 Commercial business Consumer 1,991 1,109 25,249 27,391 FDIC-supported foreclosed assets, net of discounts 1,426 1,834 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 316 460 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 1,952 995 Foreclosed assets held for sale, net 28,943 30,680 Other real estate owned not acquired through foreclosure 3,715 1,213 Other real estate owned $ 32,658 $ 31,893

Note 5_ Other Real Estate Ow108

Note 5: Other Real Estate Owned: Schedule of expenses applicable to other real estate owned (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of expenses applicable to other real estate owned	2016 2015 2014 (In Thousands) Net gain on sales of real estate $ (68) $ (397) $ (91) Valuation write-downs 431 890 3,343 Operating expenses, net of rental income 3,748 2,033 2,384 $ 4,111 $ 2,526 $ 5,636

Note 6_ Premises and Equipment_

Note 6: Premises and Equipment: Property, Plant and Equipment (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Property, Plant and Equipment	2016 2015 (In Thousands) Land $ 43,582 $ 39,395 Buildings and improvements 95,169 87,333 Furniture, fixtures and equipment 57,217 56,051 195,968 182,779 Less accumulated depreciation 55,372 53,124 $ 140,596 $ 129,655

Note 8_ Deposits_ Schedule of D

Note 8: Deposits: Schedule of Deposit Liabilities (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Deposit Liabilities	Weighted Average Interest Rate 2016 2015 (In Thousands, Except Interest Rates) Noninterest-bearing accounts — $ 653,288 $ 571,629 Interest-bearing checking and savings accounts 0.26% - 0.24% 1,539,216 1,408,850 2,192,504 1,980,479 Certificate accounts 0% - 0.99% 695,738 863,865 1% - 1.99% 737,649 381,956 2% - 2.99% 48,777 39,592 3% - 3.99% 1,119 1,137 4% - 4.99% 1,171 1,304 5% and above 272 293 1,484,726 1,288,147 $ 3,677,230 $ 3,268,626

Note 8_ Deposits_ Schedule of I

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Interest Expense on Deposit Liabilities	2016 2015 2014 (In Thousands) Checking and savings accounts $ 3,888 $ 2,858 $ 3,088 Certificate accounts 13,598 10,739 8,264 Early withdrawal penalties (99 (86 (127 $ 17,387 $ 13,511 $ 11,225

Note 9_ Advances From Federa112

Note 9: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Federal Home Loan Bank, Advances	December 31, 2016 December 31, 2015 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) 2016 $ — —% $ 232,071 0.42% 2017 30,826 3.26 30,826 3.26 2018 81 5.14 81 5.14 2019 28 5.14 28 5.14 2020 — — — — 2021 — — — — 2022 and thereafter 500 5.54 500 5.54 31,452 3.30 263,546 0.76 Unamortized fair value adjustment 17 40 $ 31,452 $ 263,546

Note 10_ Short-term Borrowings_

Note 10: Short-term Borrowings: Schedule of Short-term Debt (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Short-term Debt	2016 2015 (In Thousands) Notes payable – Community Development Equity Funds $ 1,323 $ 1,295 Overnight borrowings from the Federal Home Loan Bank 171,000 — Securities sold under reverse repurchase agreements 113,700 116,182 $ 286,023 $ 117,477

Note 10_ Short-term Borrowin114

Note 10: Short-term Borrowings: Schedule of Repurchase Agreements (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Repurchase Agreements	2016 2015 Overnight and Overnight and Continuous Continuous (In Thousands) FHLBank CD $16,202 $— Mortgage-backed securities – GNMA, FNMA, FHLMC 97,498 116,182 $ 113,700 $ 116,182

Note 13_ Subordinated Debent115

Note 13: Subordinated Debentures Issued To Capital Trusts: Schedule of Subordinated Debentures Issued to Capital Trusts (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Subordinated Debentures Issued to Capital Trusts	2016 2015 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Note 14_ Subordinated Notes_ Sc

Note 14: Subordinated Notes: Schedule of Subordinated Borrowing (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Subordinated Borrowing	December 31, 2016 December 31, 2015 (In Thousands) Subordinated notes $ 75,000 $ — Less: unamortized debt issuance costs 1,463 — $ 73,537 $ —

Note 15_ Income Taxes_ Schedule

Note 15: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Components of Income Tax Expense (Benefit)	2016 2015 2014 (In Thousands) Taxes currently payable $ 20,137 $ 20,234 $ 20,013 Deferred income taxes (3,621 (4,670 (6,260 Income taxes $ 16,516 $ 15,564 $ 13,753

Note 15_ Income Taxes_ Sched118

Note 15: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Deferred Tax Assets and Liabilities	December 31, 2016 2015 (In Thousands) Deferred tax assets Allowance for loan losses $ 13,576 $ 13,848 Interest on nonperforming loans 364 259 Accrued expenses 1,288 1,302 Write-down of foreclosed assets 3,300 4,056 Write-down of fixed assets 535 417 Difference in basis for acquired assets and liabilities 4,533 23,596 19,882 Deferred tax liabilities Tax depreciation in excess of book depreciation (6,425) (6,483) FHLB stock dividends (1,805) (1,549) Partnership tax credits (1,651) (1,991) Prepaid expenses (728) (515) Unrealized gain on available-for-sale securities (980) (3,369) Difference in basis for acquired assets and liabilities (435) Other (318 (185 (11,907 (14,527 Net deferred tax asset $ 11,689 $ 5,355

Note 15_ Income Taxes_ Sched119

Note 15: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Effective Income Tax Rate Reconciliation	2016 2015 2014 Tax at statutory rate 35.0% 35.0% 35.0% Nontaxable interest and dividends (2.1) (2.4) (3.0) Tax credits (7.3) (8.1) (9.5) State taxes 1.1 1.4 1.5 Other — (0.8 — 26.7 25.1 24.0

Note 16_ Disclosures About F120

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables)	12 Months Ended
	Dec. 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 balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2016 and 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) December 31, 2016 Mortgage-backed securities 146,035 — 146,035 — States and political subdivisions 67,837 — 67,837 — Interest rate derivative asset 1,663 — 1,663 — Interest rate derivative liability (1,699) — (1,699) — 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 16_ Disclosures About F121

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	Fair Value Measurements Using Quoted Prices in Active Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (In Thousands) December 31, 2016 Impaired loans $ 8,280 $ — $ — $ 8,280 Foreclosed assets held for sale $ 1,604 $ — $ — $ 1,604 December 31, 2015 Impaired loans $ 13,896 $ — $ — $ 13,896 Foreclosed assets held for sale $ 1,722 $ — $ — $ 1,722

Note 16_ Disclosures About F122

Note 16: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule Of Financial Instruments Fair Value	December 31, 2016 December 31, 2015 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level Financial assets Cash and cash equivalents $ 279,769 $ 279,769 1 $ 199,183 $ 199,183 1 Held-to-maturity securities 247 258 2 353 384 2 Mortgage loans held for sale 16,445 16,445 2 12,261 12,261 2 Loans, net of allowance for loan losses 3,759,966 3,766,709 3 3,340,536 3,355,924 3 Accrued interest receivable 11,875 11,875 3 10,930 10,930 3 Investment in FHLB stock 13,034 13,034 3 15,303 15,303 3 Financial liabilities Deposits 3,677,230 3,683,751 3 3,268,626 3,271,318 3 FHLB advances 31,452 32,379 3 263,546 264,331 3 Short-term borrowings 286,023 286,023 3 117,477 117,477 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 73,537 76,031 2 — — — Accrued interest payable 2,723 2,723 3 1,080 1,080 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 92 92 3 145 145 3 Lines of credit — — 3 — — 3

Note 17_ Operating Leases_ Sche

Note 17: Operating Leases: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Future Minimum Rental Payments for Operating Leases	2017 $ 819 2018 581 2019 405 2020 323 2021 149 Thereafter 72 $ 2,349

Note 18_ Derivatives and Hed124

Note 18: Derivatives and Hedging Activities: Derivative Instruments, Gain (Loss) (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Derivative Instruments, Gain (Loss)	Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2016 2015 (In Thousands) Derivatives designated as hedging instruments Interest rate caps Prepaid expenses and other assets $ 40 $ 128 Total derivatives designated as hedging instruments $ 40 $ 128 Derivatives not designated as hedging instruments Asset Derivatives Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 1,623 $ 2,583 Total derivatives not designated as hedging instruments $ 1,623 $ 2,583 Liability Derivatives Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 1,699 $ 2,725 Total derivatives not designated as hedging instruments $ 1,699 $ 2,725

Note 18_ Derivatives and Hed125

Note 18: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)	Year Ended December 31 Cash Flow Hedges Amount of Gain (Loss) Recognized in AOCI 2016 2015 2014 (In Thousands) Interest rate cap, net of income taxes $ 87 $ (50) $ (164

Note 20_ Additional Cash Flo126

Note 20: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Cash Flow, Supplemental Disclosures	2016 2015 2014 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $26,076 $12,185 $19,975 Sale and financing of foreclosed assets 3,334 3,316 1,805 Conversion of premises and equipment to foreclosed assets 6,985 — 202 Dividends declared but not paid 3,073 3,055 2,896 Additional Cash Payment Information Interest paid 20,476 15,984 15,833 Income taxes paid 9,554 13,096 8,510

Note 22_ Stock Compensation 127

Note 22: Stock Compensation Plans: Schedule of Share-based Compensation, Stock Options, Activity (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Share-based Compensation, Stock Options, Activity	Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2014 583,500 699,707 25.597 Granted from 2013 plan (147,400) 147,400 32.450 Exercised — (153,287) 27.088 Forfeited from terminated plan(s) — (22,022) 27.387 Forfeited from current plan(s) 10,700 (10,700) 30.204 Balance, December 31, 2014 446,800 661,098 26.560 Granted from 2013 plan (129,350) 129,350 49.199 Exercised — (134,263) 25.403 Forfeited from terminated plan(s) — (8,453) 24.941 Forfeited from current plan(s) 14,000 (14,000) 33.389 Balance, December 31, 2015 331,450 633,732 31.297 Granted from 2013 Plan (131,000) 131,000 41.228 Exercised — (81,812) 26.472 Forfeited from terminated plan(s) — (2,692) 22.654 Forfeited from current plan(s) 19,025 (19,025) 39.123 Balance, December 31, 2016 219,475 661,203 $ 33.672

Note 22_ Stock Compensation 128

Note 22: Stock Compensation Plans: Schedule of Fair Value Option Pricing Model Assumptions (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Fair Value Option Pricing Model Assumptions	2016 2015 2014 Expected dividends per share $0.88 $0.88 $0.80 Risk-free interest rate 1.27% 1.66% 1.40% Expected life of options 5 years 5 years 5 years Expected volatility 22.08% 24.42% 18.95% Weighted average fair value of options granted during year $6.59 $9.59 $4.20

Note 22_ Stock Compensation 129

Note 22: Stock Compensation Plans: Schedule of Share-based Compensation, Activity (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Share-based Compensation, Activity	Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2016 633,732 $31.297 7.22 years Granted 131,000 41.228 Exercised (81,812) 26.472 Forfeited (21,717 37.082 Options outstanding, December 31, 2016 661,203 33.672 7.23 years Options exercisable, December 31, 2016 247,920 24.367 5.13 years

Note 22_ Stock Compensation 130

Note 22: Stock Compensation Plans: Schedule of Nonvested Share Activity (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Nonvested Share Activity	Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2016 412,164 $35.479 $6.039 Granted 131,000 41.228 6.592 Vested this period (109,744) 27.770 4.337 Nonvested options forfeited (20,137 38.248 6.779 Nonvested options, December 31, 2016 413,283 39.253 6.631

Note 22_ Stock Compensation 131

Note 22: Stock Compensation Plans: Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable	Options Outstanding Weighted Options Exercisable Average Weighted Weighted Remaining Average Average Range of Number Contractual Exercise Number Exercise Exercise Prices Outstanding Term Price Exercisable Price $8.360 to $19.530 65,559 4.54 years $17.911 65,559 $17.911 $21.320 to $24.820 111,650 5.01 years 23.683 88,540 23.408 $25.480 to $29.860 115,672 5.83 years 28.767 63,229 28.151 $32.590 to $39.050 133,772 7.85 years 32.997 28,592 32.590 $41.300 to $50.710 234,550 9.38 years 45.635 2,000 41.300 661,203 7.23 years 33.672 247,920 24.367

Note 24_ Accumulated Other C132

Note 24: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year	2016 2015 (In Thousands) Net unrealized gain on available-for-sale securities $ 2,699 $ 9,282 Net unrealized loss on derivatives used for cash flow hedges (254 (391 2,445 8,891 Tax effect (887 (3,227 Net-of-tax amount $ 1,558 $ 5,664

Note 24_ Accumulated Other C133

Note 24: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified Out of Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Amounts Reclassified Out of Accumulated Other Comprehensive Income	Amounts Reclassified from AOCI Affected Line Item in the Statements of Income 2016 2015 2014 (In Thousands) Unrealized gains on available-for-sale securities $ 2,873 $ 2 $ 2,139 Net realized gains on available-for-sale securities (total reclassified amount before tax) Total reclassified amount before tax Income taxes (1,043 (1 (749 Tax (expense) benefit Total reclassifications out of AOCI $ 1,830 $ 1 $ 1,390

Note 25_ Regulatory Matters_ Sc

Note 25: Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) As of December 31, 2016 Total capital Great Southern Bancorp, Inc. $556,106 13.6% $327,610 8.0% N/A N/A Great Southern Bank $520,989 12.7% $327,505 8.0% $409,382 10.0% Tier I capital Great Southern Bancorp, Inc. $443,706 10.8% $245,707 6.0% N/A N/A Great Southern Bank $483,589 11.8% $245,629 6.0% $327,505 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $443,706 9.9% $178,693 4.0% N/A N/A Great Southern Bank $483,589 10.8% $178,643 4.0% $223,304 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $418,687 10.2% $184,280 4.5% N/A N/A Great Southern Bank $483,569 11.8% $184,222 4.5% $266,098 6.5% As of December 31, 2015 Total capital Great Southern Bancorp, Inc. $452,637 12.6% $288,279 8.0% N/A N/A Great Southern Bank $434,334 12.1% $288,180 8.0% $360,225 10.0% Tier I capital Great Southern Bancorp, Inc. $414,488 11.5% $216,209 6.0% N/A N/A Great Southern Bank $396,185 11.0% $216,135 6.0% $288,180 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $414,488 10.2% $162,576 4.0% N/A N/A Great Southern Bank $396,185 9.8% $161,986 4.0% $202,482 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $389,460 10.8% $162,157 4.5% N/A N/A Great Southern Bank $396,157 11.0% $162,101 4.5% $234,146 6.5%

Note 27_ Summary of Unaudite135

Note 27: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Schedule of Quarterly Financial Information	2016 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 45,746 $ 45,636 $ 46,856 $ 46,937 Interest expense 4,627 4,974 5,828 6,690 Provision for loan losses 2,101 2,300 2,500 2,380 Net realized gains (losses) and impairment on available-for-sale securities 3 2,735 144 (9) Noninterest income 4,974 8,916 7,090 7,530 Noninterest expense 30,920 29,807 30,657 29,043 Provision (credit) for income taxes 3,279 4,937 3,740 4,560 Net income 9,793 12,534 11,221 11,794 Net income available to common shareholders 9,793 12,534 11,221 11,794 Earnings per common share – diluted 0.70 0.89 0.80 0.83 2015 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 47,906 $ 45,734 $ 45,755 $ 44,956 Interest expense 3,781 3,725 4,230 4,261 Provision for loan losses 1,300 1,300 1,703 1,216 Net realized gains (losses) and impairment on available-for-sale securities — — 2 — Noninterest income (56) 3,457 5,120 5,060 Noninterest expense 27,242 27,949 30,014 29,145 Provision (credit) for income taxes 3,874 4,214 3,732 3,744 Net income 11,653 12,003 11,196 11,650 Net income available to common shareholders 11,508 11,858 11,051 11,531 Earnings per common share – diluted 0.83 0.85 0.79 0.81 2014 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 42,294 $ 44,384 $ 47,607 $ 49,077 Interest expense 4,328 4,413 3,501 3,559 Provision for loan losses 1,691 1,462 945 53 Net realized gains (losses) and impairment on available-for-sale securities 73 569 321 1,176 Noninterest income 924 10,631 1,778 1,398 Noninterest expense 25,894 34,399 29,398 31,168 Provision (credit) for income taxes 2,487 3,687 3,951 3,628 Net income 8,818 11,054 11,590 12,067 Net income available to common shareholders 8,673 10,909 11,445 11,923 Earnings per common share – diluted 0.63 0.79 0.83 0.86

Note 28_ Condensed Parent Co136

Note 28: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Condensed Balance Sheet -- Great Southern Bancorp, Inc.	December 31, 2016 2015 (In Thousands) Statements of Financial Condition Assets Cash $ 37,716 $ 20,009 Available-for-sale securities — 3,830 Investment in subsidiary bank 494,947 403,174 Deferred income taxes 89 — Prepaid expenses and other assets 1,214 1,335 $ 533,966 $ 428,348 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 4,849 $ 3,403 Deferred income taxes — 944 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 73,537 — Common stock 140 139 Additional paid-in capital 25,942 24,371 Retained earnings 402,166 368,053 Accumulated other comprehensive income 1,558 5,664 $ 533,966 $ 428,348

Note 28_ Condensed Parent Co137

Note 28: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Condensed Income Statement -- Great Southern Bancorp, Inc.	2016 2015 2014 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 12,000 $ 27,000 $ 36,000 Interest and dividend income — 5 22 Gain on redemption of trust preferred securities and sale of non-marketable securities 2,735 1,416 — Other income (loss) 2 (7) (20) 14,737 28,414 36,002 Expense Operating expenses 1,322 1,139 1,198 Interest expense 2,381 714 567 3,703 1,853 1,765 Income before income tax and equity in undistributed earnings of subsidiaries 11,034 26,561 34,237 Credit for income taxes (241 (91 (388 Income before equity in earnings of subsidiaries 11,275 26,652 34,625 Equity in undistributed earnings of subsidiaries 34,067 19,850 8,904 Net income $ 45,342 $ 46,502 $ 43,529

Note 28_ Condensed Parent Co138

Note 28: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Condensed Cash Flow Statement -- Great Southern Bancorp, Inc.	2016 2015 2014 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 45,342 $ 46,502 $ 43,529 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (34,067) (19,850) (8,904) Compensation expense for stock option grants 483 382 565 Net realized gains on redemption of trust preferred securities — (1,115) — Net realized gains on sales of non-marketable securities — (301) — Net realized gains on sales of available-for-sale securities (2,735) — — Amortization of interest rate derivative 289 204 19 Changes in Prepaid expenses and other assets 175 (27) (3) Accounts payable and accrued expenses 1,495 63 (67) Income taxes (206) 55 43 Net cash provided by operating activities 10,776 25,913 35,182 Investing Activities Proceeds from sales of available-for-sale securities 3,583 — — Investment in subsidiary (60,000) — — (Investment)/Return of principal - other investments (2) 16 20 Net cash provided by (used in) investing activities (56,419) 16 20 Financing Activities Proceeds from issuance of subordinated notes 73,472 — — Redemption of preferred stock — (57,943) — Redemption of trust preferred securities — (3,885) — Purchases of the Company’s common stock — — (512) Dividends paid (12,232) (12,290) (11,257) Stock options exercised 2,110 3,362 2,438 Net cash provided by (used in) financing activities 63,350 (70,756 (9,331 Increase (Decrease) in Cash 17,707 (44,827) 25,871 Cash, Beginning of Year 20,009 64,836 38,965 Cash, End of Year $ 37,716 $ 20,009 $ 64,836 Additional Cash Payment Information Interest paid $ 846 $ 730 $ 570

Note 28_ Condensed Parent Co139

Note 28: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2016
Tables/Schedules
Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc.	2016 2015 2014 (In Thousands) Statements of Comprehensive Income Net Income $ 45,342 $ 46,502 $ 43,529 Unrealized appreciation on available-for-sale securities, net of (158) 400 185 Reclassification adjustment for gains included in net income, net of ( (1,742) — — Change in fair value of cash flow hedge, net of taxes (credit) of $50, $(34) and $(88) for 2016, 2015 and 2014, respectively 87 (50) (164) Comprehensive income (loss) of subsidiaries (2,293) (1,722) 4,553 Comprehensive Income $ 41,236 $ 45,130 $ 48,103

Note 31_ Acquisition of Loan140

Note 31: Acquisition of Loans, Deposits and Branches: Schedule of Recognized Identified Assets Acquired and Liabilities Assumed (Tables)	12 Months Ended
	Dec. 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 58 Total liabilities assumed 229,039 Goodwill recognized on business acquisition $ 4,228

Note 31_ Acquisition of Loan141

Note 31: Acquisition of Loans, Deposits and Branches: Schedule of Acquired Loans Performing and Nonperforming (Tables)	12 Months Ended
	Dec. 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 1_ Nature of Operations142

Note 1: Nature of Operations and Summary of Significant Accounting Policies (Details)	12 Months Ended
	Dec. 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 1_ Nature of Operations143

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Long-lived Asset Impairment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Other real estate owned not acquired through foreclosure
Valuation Allowances and Reserves, Deductions	$ 430
Property, Plant and Equipment
Valuation Allowances and Reserves, Deductions		$ 1,200

Note 1_ Nature of Operations144

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets: Schedule of Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Goodwill -- Branch acquisition	$ 5,396	$ 1,169
Intangible Assets, Net (Including Goodwill)	12,500	5,758
TeamBank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		105
Vantus Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles		207
Sun Security Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	613	964
InterBank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	327	472
Boulevard Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	519	641
Valley Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	1,800	$ 2,200
Fifth Third Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	$ 3,845

Earnings Per Common Share_ S145

Earnings Per Common Share: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Earnings per share net income	$ 45,342	$ 46,502	$ 43,529
Net Income Available to Common Shareholders	$ 45,342	$ 45,948	$ 42,950
Weighted Average Number of Shares Outstanding, Basic	13,912	13,818	13,700
Average common share stock options outstanding	229	182	176
Weighted Average Number of Shares Outstanding, Diluted	14,141	14,000	13,876
Basic	$ 3.26	$ 3.33	$ 3.14
Diluted	$ 3.21	$ 3.28	$ 3.10

Earnings Per Common Share_ Opti

Earnings Per Common Share: Options to Purchase Shares of Common Stock (Details) - shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
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	108,450	117,600	500

Stock Compensation Plans_ Share

Stock Compensation Plans: Share-Based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Allocated Share-based Compensation Expense	$ 483	$ 382	$ 565

Restriction On Cash and Due 148

Restriction On Cash and Due From Banks (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Federal Reserve Bank Reserve Fund	$ 53,800	$ 58,900

Note 2_ Investments in Secur149

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Available-for-sale Securities, Amortized Cost Basis	$ 211,173
Available for Sale Securities Fair Value	213,872
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Amortized Cost Basis	146,491	$ 159,777
Available for Sale Securities Gross Unrealized Gain	1,045	2,038
Available for Sale Securities Gross Unrealized Losses	1,501	601
Available for Sale Securities Fair Value	146,035	161,214
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Amortized Cost Basis	64,682	72,951
Available for Sale Securities Gross Unrealized Gain	3,163	5,081
Available for Sale Securities Gross Unrealized Losses	8	1
Available for Sale Securities Fair Value	67,837	78,031
Available-for-sale Securities
Available-for-sale Securities, Amortized Cost Basis	211,173	253,575
Available for Sale Securities Gross Unrealized Gain	4,208	10,102
Available for Sale Securities Gross Unrealized Losses	1,509	821
Available for Sale Securities Fair Value	$ 213,872	262,856
US Government Agencies Debt Securities
Available-for-sale Securities, Amortized Cost Basis		20,000
Available for Sale Securities Gross Unrealized Losses		219
Available for Sale Securities Fair Value		19,781
Other securities
Available-for-sale Securities, Amortized Cost Basis		847
Available for Sale Securities Gross Unrealized Gain		2,983
Available for Sale Securities Fair Value		$ 3,830

Note 2_ Investments in Secur150

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Details) $ in Thousands	Dec. 31, 2016USD ($)
Adjustable Rate Residential Mortgage
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	$ 130,600
Fixed Rate Residential Mortgage
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	15,400
Federal Home Loan Mortgage Corporation (FHLMC) Insured Loans
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	57,200
Federal National Mortgage Association (FNMA) Insured Loans
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	52,100
Government National Mortgage Association (GNMA) Insured Loans
Mortgage-backed Securities Available-for-sale, Fair Value Disclosure	$ 36,700

Note 2_ Investments in Secur151

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Details) $ in Thousands	Dec. 31, 2016USD ($)
Details
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	$ 633
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	642
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	7,987
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	8,189
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	56,062
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	59,006
Available for Sale Securities Equity Securities Amortized Cost	146,491
Available for Sale Securities Equity Securities Fair Value	146,035
Available-for-sale Securities, Amortized Cost Basis	211,173
Available for Sale Securities Fair Value	$ 213,872

Note 2_ Investments in Secur152

Note 2: Investments in Securities: Held to Maturity Securities (Details) - US States and Political Subdivisions Debt Securities - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Held to Maturity Securities Amortized Cost	$ 247	$ 353
Held to Maturity Securities Gross Unrealized Gains	11	31
Held-to-maturity Securities, Fair Value	$ 258	$ 384

Note 2_ Investments in Secur153

Note 2: Investments in Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Details) $ in Thousands	Dec. 31, 2016USD ($)
Details
Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount	$ 247
Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value	$ 258

Note 2_ Investments in Secur154

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities Pledged as Collateral
Securities Owned and Pledged As Collateral Amortized Cost	$ 163,227	$ 197,317
Security Owned and Pledged as Collateral, Fair Value	163,393	199,568
Public deposits
Securities Owned and Pledged As Collateral Amortized Cost	57,841	60,355
Security Owned and Pledged as Collateral, Fair Value	59,082	62,288
Collateralized Loan Obligations
Securities Owned and Pledged As Collateral Amortized Cost	98,787	131,813
Security Owned and Pledged as Collateral, Fair Value	97,498	131,950
Collateralized Securities, Other
Securities Owned and Pledged As Collateral Amortized Cost	6,599	5,149
Security Owned and Pledged as Collateral, Fair Value	$ 6,813	$ 5,330

Note 2_ Investments in Secur155

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Fair value investments reported less than historical cost	$ 104,500	$ 75,200
Fair value investments reported less than historical cost percentage of investment portfolio	48.80%	28.60%

Note 2_ Investments in Secur156

Note 2: Investments in Securities: Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Total Unrealized Losses and Estimated Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 104,460	$ 64,927
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(1,509)	(567)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		10,291
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss		(254)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	104,460	75,218
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(1,509)	(821)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	102,296	45,146
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(1,501)	(348)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		9,382
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss		(253)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	102,296	54,528
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	(1,501)	(601)
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	2,164
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(8)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		909
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss		(1)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	2,164	909
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss	$ (8)	(1)
US Government Agencies Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		19,781
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss		(219)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		19,781
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss		$ (219)

Note 2_ Investments in Secur157

Note 2: Investments in Securities: Other-than-temporary Impairment: Other than Temporary Impairment of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities	$ 0	$ 0	$ 0

Note 2_ Investments in Secur158

Note 2: Investments in Securities: Credit Losses Recognized On Investments: Credit Losses Recognized on Investments (Details) $ in Thousands	Dec. 31, 2016USD ($)
Details
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held	$ 0

Note 3_ Loans and Allowance 159

Note 3: Loans and Allowance For Loan Losses: Schedule of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
One To Four Family Residential Construction
Loans Receivable	$ 21,737	$ 23,526
Subdivision Construction
Loans Receivable	17,186	38,504
Land Development
Loans Receivable	50,624	58,440
Commercial Construction
Loans Receivable	780,614	600,794
Owner Occupied One To Four Family Residential
Loans Receivable	200,340	110,277
Non-Owner Occupied One To Four Family Residential
Loans Receivable	136,924	149,874
Commercial Real Estate
Loans Receivable	1,186,906	1,043,474
Other Residential
Loans Receivable	663,378	419,549
Commercial Business
Loans Receivable	348,628	357,580
Industrial Revenue Bonds
Loans Receivable	25,065	37,362
Automobile Loan
Loans Receivable	494,233	439,895
Consumer Loan
Loans Receivable	70,001	74,829
Home Equity Line of Credit
Loans Receivable	108,753	83,966
Acquired FDIC Covered Loans Net of Discount
Loans Receivable	134,356	236,071
Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Loans Receivable	72,569	33,338
Acquired Loans Not Covered By FDIC Loss Sharing Agreements Net of Discounts
Loans Receivable	76,234	93,436
Loans Receivable Gross
Loans Receivable	4,387,548	3,800,915
Undisbursed Portion Of Loans In Process
Loans Receivable	(585,313)	(418,702)
Allowance for Loans and Leases Receivable
Loans Receivable	(37,400)	(38,149)
Deferred Loan Fees And Gains Net
Loans Receivable	(4,869)	(3,528)
Loans Receivable
Loans Receivable	$ 3,759,966	$ 3,340,536

Note 3_ Loans and Allowance 160

Note 3: Loans and Allowance For Loan Losses: Classes of Loans by Aging (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financing Receivables, 30 to 59 Days Past Due | One To Four Family Residential Construction
Financing Receivables		$ 649
Financing Receivables, 30 to 59 Days Past Due | Land Development
Financing Receivables	$ 413	2,245
Financing Receivables, 30 to 59 Days Past Due | Commercial Construction
Financing Receivables		1
Financing Receivables, 30 to 59 Days Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	1,760	1,217
Financing Receivables, 30 to 59 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables	309
Financing Receivables, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivables	1,969	1,035
Financing Receivables, 30 to 59 Days Past Due | Other Residential
Financing Receivables	4,632
Financing Receivables, 30 to 59 Days Past Due | Commercial Business
Financing Receivables	1,741	1,020
Financing Receivables, 30 to 59 Days Past Due | Automobile Loan
Financing Receivables	8,252	3,351
Financing Receivables, 30 to 59 Days Past Due | Consumer Loan
Financing Receivables	1,103	943
Financing Receivables, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables	136	212
Financing Receivables, 30 to 59 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	4,476	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	1,356	989
Financing Receivables, 30 to 59 Days Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	851	1,081
Financing Receivables, 30 to 59 Days Past Due | Loans Receivable Gross
Financing Receivables	26,998	20,679
Financing Receivables, 30 to 59 Days Past Due | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	6,683	10,006
Financing Receivables, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables	20,315	10,673
Financing Receivables, 60 to 89 Days Past Due | Land Development
Financing Receivables	584	148
Financing Receivables, 60 to 89 Days Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	388	345
Financing Receivables, 60 to 89 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables	278
Financing Receivables, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables	1,988	471
Financing Receivables, 60 to 89 Days Past Due | Commercial Business
Financing Receivables	24	9
Financing Receivables, 60 to 89 Days Past Due | Automobile Loan
Financing Receivables	2,451	891
Financing Receivables, 60 to 89 Days Past Due | Consumer Loan
Financing Receivables	278	236
Financing Receivables, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables	158	123
Financing Receivables, 60 to 89 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	1,201	603
Financing Receivables, 60 to 89 Days Past Due | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	552	39
Financing Receivables, 60 to 89 Days Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	173	638
Financing Receivables, 60 to 89 Days Past Due | Loans Receivable Gross
Financing Receivables	8,075	3,503
Financing Receivables, 60 to 89 Days Past Due | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	1,926	1,280
Financing Receivables, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables	6,149	2,223
Financing Receivables, Equal to Greater than 90 Days Past Due | Subdivision Construction
Financing Receivables	109
Financing Receivables, Equal to Greater than 90 Days Past Due | Land Development
Financing Receivables	1,718	139
Financing Receivables, Equal to Greater than 90 Days Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	1,125	715
Financing Receivables, Equal to Greater than 90 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables	404	345
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables	4,404	13,488
Financing Receivables, Equal to Greater than 90 Days Past Due | Other Residential
Financing Receivables	162
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Business
Financing Receivables	3,088	288
Financing Receivables, Equal to Greater than 90 Days Past Due | Automobile Loan
Financing Receivables	1,989	721
Financing Receivables, Equal to Greater than 90 Days Past Due | Consumer Loan
Financing Receivables	649	576
Financing Receivables, Equal to Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables	433	297
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	8,226	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	1,401	33
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	2,854	5,914
Financing Receivables, Equal to Greater than 90 Days Past Due | Loans Receivable Gross
Financing Receivables	26,562	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	12,481	15,659
Financing Receivables, Equal to Greater than 90 Days Past Due | Loans Receivable
Financing Receivables	14,081	16,569
Financing Receivables Past Due | One To Four Family Residential Construction
Financing Receivables		649
Financing Receivables Past Due | Subdivision Construction
Financing Receivables	109
Financing Receivables Past Due | Land Development
Financing Receivables	2,715	2,532
Financing Receivables Past Due | Commercial Construction
Financing Receivables		1
Financing Receivables Past Due | Owner Occupied One To Four Family Residential
Financing Receivables	3,273	2,277
Financing Receivables Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables	991	345
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables	8,361	14,994
Financing Receivables Past Due | Other Residential
Financing Receivables	4,794
Financing Receivables Past Due | Commercial Business
Financing Receivables	4,853	1,317
Financing Receivables Past Due | Automobile Loan
Financing Receivables	12,692	4,963
Financing Receivables Past Due | Consumer Loan
Financing Receivables	2,030	1,755
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables	727	632
Financing Receivables Past Due | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	13,903	18,251
Financing Receivables Past Due | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	3,309	1,061
Financing Receivables Past Due | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	3,878	7,633
Financing Receivables Past Due | Loans Receivable Gross
Financing Receivables	61,635	56,410
Financing Receivables Past Due | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	21,090	26,945
Financing Receivables Past Due | Loans Receivable
Financing Receivables	40,545	29,465
Financing Receivables Current | One To Four Family Residential Construction
Financing Receivables	21,737	22,877
Financing Receivables Current | Subdivision Construction
Financing Receivables	17,077	38,504
Financing Receivables Current | Land Development
Financing Receivables	47,909	55,908
Financing Receivables Current | Commercial Construction
Financing Receivables	780,614	600,793
Financing Receivables Current | Owner Occupied One To Four Family Residential
Financing Receivables	197,067	108,000
Financing Receivables Current | Non-Owner Occupied One To Four Family Residential
Financing Receivables	135,933	149,529
Financing Receivables Current | Commercial Real Estate
Financing Receivables	1,178,545	1,028,480
Financing Receivables Current | Other Residential
Financing Receivables	658,584	419,549
Financing Receivables Current | Commercial Business
Financing Receivables	343,775	356,263
Financing Receivables Current | Industrial Revenue Bonds
Financing Receivables	25,065	37,362
Financing Receivables Current | Automobile Loan
Financing Receivables	481,541	434,932
Financing Receivables Current | Consumer Loan
Financing Receivables	67,971	73,074
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables	108,026	83,334
Financing Receivables Current | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	120,453	217,820
Financing Receivables Current | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	69,260	32,277
Financing Receivables Current | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	72,356	85,803
Financing Receivables Current | Loans Receivable Gross
Financing Receivables	4,325,913	3,744,505
Financing Receivables Current | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	262,069	335,900
Financing Receivables Current | Loans Receivable
Financing Receivables	4,063,844	3,408,605
Financing Receivables Total | One To Four Family Residential Construction
Financing Receivables	21,737	23,526
Financing Receivables Total | Subdivision Construction
Financing Receivables	17,186	38,504
Financing Receivables Total | Land Development
Financing Receivables	50,624	58,440
Financing Receivables Total | Commercial Construction
Financing Receivables	780,614	600,794
Financing Receivables Total | Owner Occupied One To Four Family Residential
Financing Receivables	200,340	110,277
Financing Receivables Total | Non-Owner Occupied One To Four Family Residential
Financing Receivables	136,924	149,874
Financing Receivables Total | Commercial Real Estate
Financing Receivables	1,186,906	1,043,474
Financing Receivables Total | Other Residential
Financing Receivables	663,378	419,549
Financing Receivables Total | Commercial Business
Financing Receivables	348,628	357,580
Financing Receivables Total | Industrial Revenue Bonds
Financing Receivables	25,065	37,362
Financing Receivables Total | Automobile Loan
Financing Receivables	494,233	439,895
Financing Receivables Total | Consumer Loan
Financing Receivables	70,001	74,829
Financing Receivables Total | Home Equity Line of Credit
Financing Receivables	108,753	83,966
Financing Receivables Total | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	134,356	236,071
Financing Receivables Total | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	72,569	33,338
Financing Receivables Total | Acquired Non-Covered Loans Net Of Discounts
Financing Receivables	76,234	93,436
Financing Receivables Total | Loans Receivable Gross
Financing Receivables	4,387,548	3,800,915
Financing Receivables Total | Less FDIC Supported Loans And Acquired Not Covered Loans Net Of Discounts
Financing Receivables	283,159	362,845
Financing Receivables Total | Loans Receivable
Financing Receivables	4,104,389	$ 3,438,070
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Acquired FDIC Covered Loans Net of Discount
Financing Receivables	301
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Acquired Loans No Longer Covered By FDIC Loss Sharing Agreements Net Of Discounts
Financing Receivables	222
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable Gross
Financing Receivables	523
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	$ 523

Note 3_ Loans and Allowance 161

Note 3: Loans and Allowance For Loan Losses: Schedule of Financing Receivables NonAccrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Subdivision Construction
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 109
Land Development
Financing Receivable, Recorded Investment, Nonaccrual Status	1,718	$ 139
Owner Occupied One To Four Family Residential
Financing Receivable, Recorded Investment, Nonaccrual Status	1,125	715
Non-Owner Occupied One To Four Family Residential
Financing Receivable, Recorded Investment, Nonaccrual Status	404	345
Commercial Real Estate
Financing Receivable, Recorded Investment, Nonaccrual Status	4,404	13,488
Other Residential
Financing Receivable, Recorded Investment, Nonaccrual Status	162
Commercial Business
Financing Receivable, Recorded Investment, Nonaccrual Status	3,088	288
Automobile Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	1,989	721
Consumer Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	649	576
Home Equity Line of Credit
Financing Receivable, Recorded Investment, Nonaccrual Status	433	297
Loans Receivable Nonaccrual
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 14,081	$ 16,569

Note 3_ Loans and Allowance 162

Note 3: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Provision for loan losses	$ 9,281	$ 5,519	$ 4,151
One To Four Family Residential Construction
Provision for Loan Losses Expensed	(2,407)	1,428	(1,025)
Financing Receivable, Allowance for Credit Losses, Write-downs	(229)	(80)	(2,251)
Allowance for Doubtful Accounts Receivable, Recoveries	58	97	496
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	155,378	194,697	234,158
Financing Receivable, Individually Evaluated for Impairment	6,015	6,129	11,488
Financing Receivable, Collectively Evaluated for Impairment	370,172	316,052	288,066
One To Four Family Residential Construction | Beginning of Period
Provision for loan losses	4,900	3,455	6,235
One To Four Family Residential Construction | End of Period
Provision for loan losses	2,322	4,900	3,455
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	570	731	829
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,628	3,464	2,532
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	124	705	94
Other Residential
Provision for Loan Losses Expensed	2,260	193	227
Financing Receivable, Allowance for Credit Losses, Write-downs	(16)	(2)	(1)
Allowance for Doubtful Accounts Receivable, Recoveries	52	58	37
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	29,600	35,945	48,470
Financing Receivable, Individually Evaluated for Impairment	3,812	9,533	9,804
Financing Receivable, Collectively Evaluated for Impairment	659,566	410,016	382,610
Other Residential | Beginning of Period
Provision for loan losses	3,190	2,941	2,678
Other Residential | End of Period
Provision for loan losses	5,486	3,190	2,941
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	5,396	3,122	2,923
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	90	68	18
Commercial Real Estate
Provision for Loan Losses Expensed	5,632	(2,753)	1,855
Financing Receivable, Allowance for Credit Losses, Write-downs	(5,653)	(2,584)	(2,160)
Allowance for Doubtful Accounts Receivable, Recoveries	1,221	302	3,139
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	54,208	73,148	107,278
Financing Receivable, Individually Evaluated for Impairment	10,507	34,629	28,641
Financing Receivable, Collectively Evaluated for Impairment	1,176,399	1,008,845	917,235
Commercial Real Estate | Beginning of Period
Provision for loan losses	14,738	19,773	16,939
Commercial Real Estate | End of Period
Provision for loan losses	15,938	14,738	19,773
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	2,209	2,556	1,751
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	13,507	11,888	16,671
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	222	294	1,351
Commercial Construction
Provision for Loan Losses Expensed	(827)	(619)	(957)
Financing Receivable, Allowance for Credit Losses, Write-downs	(31)	(329)	(126)
Allowance for Doubtful Accounts Receivable, Recoveries	123	405	181
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	2,191	4,981	1,937
Financing Receivable, Individually Evaluated for Impairment	6,023	7,555	7,601
Financing Receivable, Collectively Evaluated for Impairment	825,215	651,679	437,424
Commercial Construction | Beginning of Period
Provision for loan losses	3,019	3,562	4,464
Commercial Construction | End of Period
Provision for loan losses	2,284	3,019	3,562
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,291	1,391	1,507
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	953	1,570	1,905
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	40	58	150
Commercial Business
Provision for Loan Losses Expensed	(926)	1,450	409
Financing Receivable, Allowance for Credit Losses, Write-downs	(589)	(1,202)	(3,286)
Allowance for Doubtful Accounts Receivable, Recoveries	327	276	105
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	6,429	10,500	17,789
Financing Receivable, Individually Evaluated for Impairment	4,539	2,365	2,725
Financing Receivable, Collectively Evaluated for Impairment	369,154	392,577	392,348
Commercial Business | Beginning of Period
Provision for loan losses	4,203	3,679	6,451
Commercial Business | End of Period
Provision for loan losses	3,015	4,203	3,679
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,295	1,115	823
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,681	2,862	2,805
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	39	226	51
Consumer Loan
Provision for Loan Losses Expensed	5,549	5,820	3,642
Financing Receivable, Allowance for Credit Losses, Write-downs	(8,751)	(5,315)	(4,005)
Allowance for Doubtful Accounts Receivable, Recoveries	3,458	2,569	2,039
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	35,353	43,574	48,903
Financing Receivable, Individually Evaluated for Impairment	3,385	1,950	1,480
Financing Receivable, Collectively Evaluated for Impairment	669,602	596,740	466,174
Consumer Loan | Beginning of Period
Provision for loan losses	8,099	5,025	3,349
Consumer Loan | End of Period
Provision for loan losses	8,355	8,099	5,025
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	997	300	232
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	7,248	7,647	4,321
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	110	152	472
Loans Receivable
Provision for Loan Losses Expensed	9,281	5,519	4,151
Financing Receivable, Allowance for Credit Losses, Write-downs	(15,269)	(9,512)	(11,829)
Allowance for Doubtful Accounts Receivable, Recoveries	5,239	3,707	5,997
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	283,159	362,845	458,535
Financing Receivable, Individually Evaluated for Impairment	34,281	62,161	61,739
Financing Receivable, Collectively Evaluated for Impairment	4,070,108	3,375,909	2,883,857
Loans Receivable | Beginning of Period
Provision for loan losses	38,149	38,435	40,116
Loans Receivable | End of Period
Provision for loan losses	37,400	38,149	38,435
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	6,362	6,093	5,142
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	30,413	30,553	31,157
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	$ 625	$ 1,503	$ 2,136

Note 3_ Loans and Allowance 163

Note 3: Loans and Allowance For Loan Losses: Loans Serviced for Others (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Loans serviced for others	$ 266,200	$ 237,700
Unused lines of Credit
Loans serviced for others	$ 60,500	$ 32,300

Note 3_ Loans and Allowance 164

Note 3: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
One To Four Family Residential Construction
Impaired Financing Receivable, Recorded Investment			$ 1,312
Impaired Financing Receivable, Unpaid Principal Balance			1,312
Impaired Financing Receivable, Average Recorded Investment		$ 633	173
Impaired Financing Receivable Interest Income Recognized		35	76
Subdivision Construction
Impaired Financing Receivable, Recorded Investment	$ 818	1,061	4,540
Impaired Financing Receivable, Unpaid Principal Balance	829	1,061	4,540
Impaired Financing Receivable, Related Allowance	131	214	344
Impaired Financing Receivable, Average Recorded Investment	948	3,533	2,593
Impaired Financing Receivable Interest Income Recognized	46	109	226
Land Development
Impaired Financing Receivable, Recorded Investment	6,023	7,555	7,601
Impaired Financing Receivable, Unpaid Principal Balance	6,120	7,644	8,044
Impaired Financing Receivable, Related Allowance	1,291	1,391	1,507
Impaired Financing Receivable, Average Recorded Investment	8,020	7,432	9,691
Impaired Financing Receivable Interest Income Recognized	304	287	292
Owner Occupied One To Four Family Residential
Impaired Financing Receivable, Recorded Investment	3,290	3,166	3,747
Impaired Financing Receivable, Unpaid Principal Balance	3,555	3,427	4,094
Impaired Financing Receivable, Related Allowance	375	389	407
Impaired Financing Receivable, Average Recorded Investment	3,267	3,587	4,808
Impaired Financing Receivable Interest Income Recognized	182	179	212
Non-Owner Occupied One To Four Family Residential
Impaired Financing Receivable, Recorded Investment	1,907	1,902	1,889
Impaired Financing Receivable, Unpaid Principal Balance	2,177	2,138	2,113
Impaired Financing Receivable, Related Allowance	65	128	78
Impaired Financing Receivable, Average Recorded Investment	1,886	1,769	4,010
Impaired Financing Receivable Interest Income Recognized	113	100	94
Commercial Real Estate
Impaired Financing Receivable, Recorded Investment	10,507	34,629	28,641
Impaired Financing Receivable, Unpaid Principal Balance	12,121	37,259	30,781
Impaired Financing Receivable, Related Allowance	2,209	2,556	1,751
Impaired Financing Receivable, Average Recorded Investment	23,928	28,610	29,808
Impaired Financing Receivable Interest Income Recognized	984	1,594	1,253
Other Residential
Impaired Financing Receivable, Recorded Investment	3,812	9,533	9,804
Impaired Financing Receivable, Unpaid Principal Balance	3,812	9,533	9,804
Impaired Financing Receivable, Average Recorded Investment	6,813	9,670	10,469
Impaired Financing Receivable Interest Income Recognized	258	378	407
Commercial Business
Impaired Financing Receivable, Recorded Investment	4,539	2,365	2,725
Impaired Financing Receivable, Unpaid Principal Balance	4,652	2,539	2,750
Impaired Financing Receivable, Related Allowance	1,294	1,115	823
Impaired Financing Receivable, Average Recorded Investment	2,542	2,268	2,579
Impaired Financing Receivable Interest Income Recognized	185	138	158
Industrial Revenue Bonds
Impaired Financing Receivable, Average Recorded Investment			2,644
Automobile Loan
Impaired Financing Receivable, Recorded Investment	2,097	791	420
Impaired Financing Receivable, Unpaid Principal Balance	2,178	829	507
Impaired Financing Receivable, Related Allowance	629	119	63
Impaired Financing Receivable, Average Recorded Investment	1,307	576	219
Impaired Financing Receivable Interest Income Recognized	141	59	37
Consumer Loan
Impaired Financing Receivable, Recorded Investment	812	802	629
Impaired Financing Receivable, Unpaid Principal Balance	887	885	765
Impaired Financing Receivable, Related Allowance	244	120	94
Impaired Financing Receivable, Average Recorded Investment	884	672	676
Impaired Financing Receivable Interest Income Recognized	70	74	71
Home Equity Line of Credit
Impaired Financing Receivable, Recorded Investment	476	357	431
Impaired Financing Receivable, Unpaid Principal Balance	492	374	476
Impaired Financing Receivable, Related Allowance	124	61	75
Impaired Financing Receivable, Average Recorded Investment	417	403	461
Impaired Financing Receivable Interest Income Recognized	32	27	25
Loans Receivable Impaired
Impaired Financing Receivable, Recorded Investment	34,281	62,161	61,739
Impaired Financing Receivable, Unpaid Principal Balance	36,823	65,689	65,186
Impaired Financing Receivable, Related Allowance	6,362	6,093	5,142
Impaired Financing Receivable, Average Recorded Investment	50,012	59,153	68,131
Impaired Financing Receivable Interest Income Recognized	$ 2,315	$ 2,980	$ 2,851

Note 3_ Loans and Allowance 165

Note 3: Loans and Allowance For Loan Losses: Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Impaired Loans With Specific Valuation Allowance	$ 18,100	$ 25,100	$ 20,000
Impaired Loans Valuation Allowance	6,400	6,100	5,100
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	$ 1,500	$ 1,000	$ 1,100

Note 3_ Loans and Allowance 166

Note 3: Loans and Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Troubled Debt Restructurings Total Modifications	$ 21,100	$ 45,000	$ 47,600
Construction And Land Development
Troubled Debt Restructurings Total Modifications	429
Commercial Business
Troubled Debt Restructuring Loans Modified Term	38	1,095	1,150
Troubled Debt Restructurings Total Modifications	38	1,095	1,150
Consumer Loan
Troubled Debt Restructuring Loans Modified Term	59	97	145
Troubled Debt Restructurings Total Modifications	59	97	145
Total Newly Restructured Loans
Troubled Debt Restructuring Loans Interest Only	3,435		814
Troubled Debt Restructuring Loans Modified Term	97	1,714	5,780
Troubled Debt Restructuring Loans Modified Combination		164	223
Troubled Debt Restructurings Total Modifications	3,532	1,878	6,817
Mortgage Loan on Real Estate | One To Four Family Residential
Troubled Debt Restructuring Loans Interest Only	60		308
Troubled Debt Restructuring Loans Modified Term		407	426
Troubled Debt Restructuring Loans Modified Combination		164
Troubled Debt Restructurings Total Modifications	60	571	734
Mortgage Loan on Real Estate | Commercial Real Estate
Troubled Debt Restructuring Loans Interest Only	2,946		506
Troubled Debt Restructuring Loans Modified Term		115	1,928
Troubled Debt Restructurings Total Modifications	$ 2,946	$ 115	2,434
Mortgage Loan on Real Estate | One To Four Family Residential Construction
Troubled Debt Restructuring Loans Modified Combination			223
Troubled Debt Restructurings Total Modifications			223
Mortgage Loan on Real Estate | Subdivision Construction
Troubled Debt Restructuring Loans Modified Term			250
Troubled Debt Restructurings Total Modifications			250
Mortgage Loan on Real Estate | Other Residential
Troubled Debt Restructuring Loans Modified Term			1,881
Troubled Debt Restructurings Total Modifications			$ 1,881

Note 3_ Loans and Allowance 167

Note 3: Loans and Allowance For Loan Losses: Loans Modified in Troubled Debt Restructurings by Segment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Troubled Debt Restructurings Total Modifications	$ 21,100	$ 45,000	$ 47,600
Total Troubled Debt Restructurings Accruing Interest	$ 18,600	39,000	39,200
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0
Substandard
Troubled Debt Restructurings	$ 7,900	12,200	18,300
Construction And Land Development
Troubled Debt Restructurings Total Modifications	429
Troubled Debt Restructured Loans and Impaired	5,000	7,900	8,300
Single Family and Multi-Family Residential Mortgage Loans
Troubled Debt Restructured Loans and Impaired	7,400	13,500	13,800
Commercial Real Estate
Troubled Debt Restructured Loans and Impaired	7,100	21,300	23,300
Commercial Business
Troubled Debt Restructurings Total Modifications	38	1,095	1,150
Troubled Debt Restructured Loans and Impaired	1,300	2,000	1,900
Consumer Loan
Troubled Debt Restructurings Total Modifications	59	97	145
Troubled Debt Restructured Loans and Impaired	$ 295	$ 311	$ 324

Note 3_ Loans and Allowance 168

Note 3: Loans and Allowance For Loan Losses: Troubled Debt Restructured Loans Returned to Accrual Status (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)
Troubled Debt Restructurings Returned to Accrual Status	$ 431,000
Residential Mortgage
Troubled Debt Restructurings Returned to Accrual Status	235
Commercial Real Estate
Troubled Debt Restructurings Returned to Accrual Status	100
Consumer Loan
Troubled Debt Restructurings Returned to Accrual Status	$ 96

Note 3_ Loans and Allowance 169

Note 3: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Satisfactory | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification	$ 20,771	$ 22,798
Satisfactory | Subdivision Construction
Loan Portfolio Internal Grading System Classification	14,059	34,370
Satisfactory | Land Development
Loan Portfolio Internal Grading System Classification	39,925	47,357
Satisfactory | Commercial Construction
Loan Portfolio Internal Grading System Classification	780,614	600,794
Satisfactory | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	198,835	108,584
Satisfactory | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	135,930	144,744
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,160,280	1,005,894
Satisfactory | Other Residential
Loan Portfolio Internal Grading System Classification	658,846	409,172
Satisfactory | Commercial Business
Loan Portfolio Internal Grading System Classification	342,685	355,370
Satisfactory | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	25,065	37,362
Satisfactory | Automobile Loan
Loan Portfolio Internal Grading System Classification	492,165	439,157
Satisfactory | Consumer Loan
Loan Portfolio Internal Grading System Classification	69,338	74,167
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	108,290	83,627
Satisfactory | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	134,356	236,055
Satisfactory | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Loan Portfolio Internal Grading System Classification	72,552	33,237
Satisfactory | Acquired Non-Covered Loans Net Of Discounts
Loan Portfolio Internal Grading System Classification	76,234	91,614
Satisfactory | Loans Receivable
Loan Portfolio Internal Grading System Classification	4,329,945	3,724,302
Watch | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification	966
Watch | Subdivision Construction
Loan Portfolio Internal Grading System Classification	2,729	263
Watch | Land Development
Loan Portfolio Internal Grading System Classification	5,140	6,992
Watch | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	67	587
Watch | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	465	516
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	20,154	18,805
Watch | Other Residential
Loan Portfolio Internal Grading System Classification	4,370	8,422
Watch | Commercial Business
Loan Portfolio Internal Grading System Classification	2,651	1,303
Watch | Loans Receivable
Loan Portfolio Internal Grading System Classification	36,542	36,888
Special Mention | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification		728
Special Mention | Subdivision Construction
Loan Portfolio Internal Grading System Classification		3,407
Special Mention | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification		3,827
Special Mention | Commercial Business
Loan Portfolio Internal Grading System Classification		438
Special Mention | Loans Receivable
Loan Portfolio Internal Grading System Classification		8,400
Substandard | Subdivision Construction
Loan Portfolio Internal Grading System Classification	398	464
Substandard | Land Development
Loan Portfolio Internal Grading System Classification	5,559	4,091
Substandard | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	1,438	1,106
Substandard | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	529	787
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	6,472	18,775
Substandard | Other Residential
Loan Portfolio Internal Grading System Classification	162	1,955
Substandard | Commercial Business
Loan Portfolio Internal Grading System Classification	3,292	469
Substandard | Automobile Loan
Loan Portfolio Internal Grading System Classification	2,068	738
Substandard | Consumer Loan
Loan Portfolio Internal Grading System Classification	663	662
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	463	339
Substandard | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification		16
Substandard | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Loan Portfolio Internal Grading System Classification	17	101
Substandard | Acquired Non-Covered Loans Net Of Discounts
Loan Portfolio Internal Grading System Classification		1,822
Substandard | Loans Receivable
Loan Portfolio Internal Grading System Classification	21,061	31,325
Total Credit Quality Indicator | One To Four Family Residential Construction
Loan Portfolio Internal Grading System Classification	21,737	23,526
Total Credit Quality Indicator | Subdivision Construction
Loan Portfolio Internal Grading System Classification	17,186	38,504
Total Credit Quality Indicator | Land Development
Loan Portfolio Internal Grading System Classification	50,624	58,440
Total Credit Quality Indicator | Commercial Construction
Loan Portfolio Internal Grading System Classification	780,614	600,794
Total Credit Quality Indicator | Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	200,340	110,277
Total Credit Quality Indicator | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	136,924	149,874
Total Credit Quality Indicator | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,186,906	1,043,474
Total Credit Quality Indicator | Other Residential
Loan Portfolio Internal Grading System Classification	663,378	419,549
Total Credit Quality Indicator | Commercial Business
Loan Portfolio Internal Grading System Classification	348,628	357,580
Total Credit Quality Indicator | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	25,065	37,362
Total Credit Quality Indicator | Automobile Loan
Loan Portfolio Internal Grading System Classification	494,233	439,895
Total Credit Quality Indicator | Consumer Loan
Loan Portfolio Internal Grading System Classification	70,001	74,829
Total Credit Quality Indicator | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	108,753	83,966
Total Credit Quality Indicator | Acquired FDIC Covered Loans Net of Discount
Loan Portfolio Internal Grading System Classification	134,356	236,071
Total Credit Quality Indicator | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Loan Portfolio Internal Grading System Classification	72,569	33,338
Total Credit Quality Indicator | Acquired Non-Covered Loans Net Of Discounts
Loan Portfolio Internal Grading System Classification	76,234	93,436
Total Credit Quality Indicator | Loans Receivable
Loan Portfolio Internal Grading System Classification	$ 4,387,548	$ 3,800,915

Note 3_ Loans and Allowance 170

Note 3: Loans and Allowance For Loan Losses: Schedule of Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
New loans for related parties during the period	$ 14,299	$ 3,390
Repayments of Related Party Debt	(3,793)	(5,131)
Beginning of Period
Related Party Transaction, Amounts of Transaction	14,287	16,028
End of Period
Related Party Transaction, Amounts of Transaction	$ 24,793	$ 14,287

Note 4_ Acquired Loans, Loss171

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Sun Security Bank
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 0	$ 0	$ 105
Valley Bank
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 491	$ 794	501
Business Combination Loans Acquired			$ 165,100

Note 4_ Acquired Loans, Loss172

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, InterBank Assets Acquired and Liabilities Assumed (Details) - InterBank - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Apr. 27, 2012
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets				$ 285,500
Business Combination, Indemnification Assets, Amount as of Acquisition Date				$ 84,000
Discount Recorded in Conjunction with Fair Value of Acquired Loans and Amount Accreted to Yield	$ 359	$ 459	$ 544

Note 4_ Acquired Loans, Loss173

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Business Combination Accretable Yield (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Increase in accretable yield due to increased cash flow expectations	$ 10,598	$ 13,720	$ 31,461
Decrease in FDIC indemnification asset as a result of accretable yield increase	$ (2,744)	$ (5,056)	$ (23,129)

Note 4_ Acquired Loans, Loss174

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Impact of Acquired Loans on Financial Results (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Impact of acquired loan pools on non-interest income	$ (7,033)	$ (19,534)	$ (28,740)
Net impact of acquired loan pools to pre-tax income	$ 9,360	$ 8,997	$ 6,234

Note 4_ Acquired Loans, Loss175

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy (Details)	12 Months Ended
	Dec. 31, 2016
TeamBank
Business Combination, Indemnification Assets, Description	Through December 31, 2016, gross loan balances (due from the borrower) were reduced approximately $417.3 million since the transaction date because of $284.5 million of repayments by the borrower, $61.7 million of transfers to foreclosed assets and $71.1 million of charge-downs to customer loan balances
Vantus Bank
Business Combination, Indemnification Assets, Description	Through December 31, 2016, gross loan balances (due from the borrower) were reduced approximately $307.8 million since the transaction date because of $262.0 million of repayments by the borrower, $16.7 million of transfers to foreclosed assets and $29.1 million of charge-downs to customer loan balances.
Sun Security Bank
Business Combination, Indemnification Assets, Description	Through December 31, 2016, gross loan balances (due from the borrower) were reduced approximately $200.9 million since the transaction date because of $141.6 million of repayments by the borrower, $28.4 million of transfers to foreclosed assets and $30.9 million of charge-downs to customer loan balances.
InterBank
Business Combination, Indemnification Assets, Description	Through December 31, 2016, gross loan balances (due from the borrower) were reduced approximately $243.6 million since the transaction date because of $204.0 million of repayments by the borrower, $16.6 million of transfers to foreclosed assets and $23.0 million of charge-offs to customer loan balances.
Valley Bank
Business Combination, Indemnification Assets, Description	Through December 31, 2016, gross loan balances (due from the borrower) were reduced approximately $108.9 million since the transaction date because of $98.5 million of repayments by the borrower, $3.0 million of transfers to foreclosed assets and $7.4 million of charge-offs to customer loan balances.

Note 4_ Acquired Loans, Loss176

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
FDIC indemnification asset	$ 13,145	$ 24,082
TeamBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	18,838	29,115
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(846)	(1,285)
Original estimated fair value of assets, net of activity since acquisition date	(17,833)	(27,660)
Expected loss remaining	159	$ 170
Assumed loss sharing recovery percentage		90.00%
Estimated loss sharing value		$ 154
Indemnification assets to be amortized resulting from change in expected losses		241
FDIC indemnification asset		$ 395
TeamBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	14
Original estimated fair value of assets, net of activity since acquisition date	$ (14)
Assumed loss sharing recovery percentage		0.00%

Note 4_ Acquired Loans, Loss177

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy: FDIC Indemnification Asset Roll Forward (Details) - USD ($) $ in Thousands		Dec. 31, 2016	Dec. 31, 2015
FDIC indemnification asset		$ 13,145	$ 24,082
Vantus Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		23,712	31,818
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(239)	(470)
Original estimated fair value of assets, net of activity since acquisition date		(23,232)	(31,092)
Expected loss remaining		241	$ 256
Assumed loss sharing recovery percentage			61.00%
Estimated loss sharing value			$ 156
Indemnification assets to be amortized resulting from change in expected losses			319
FDIC indemnification asset			475
Vantus Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		15	608
Original estimated fair value of assets, net of activity since acquisition date		(15)	(418)
Expected loss remaining			$ 190
Assumed loss sharing recovery percentage			0.00%
Sun Security Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		33,579	$ 43,855
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(1,086)	(2,171)
Original estimated fair value of assets, net of activity since acquisition date		(31,499)	(40,349)
Expected loss remaining		994	$ 1,335
Assumed loss sharing recovery percentage			34.00%
Estimated loss sharing value			$ 456
Indemnification assets to be amortized resulting from change in expected losses			1,725
FDIC indemnification asset			2,145
Accretable Discount on FDIC Indemnification Asset			(36)
Sun Security Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		365	557
Original estimated fair value of assets, net of activity since acquisition date		(286)	(461)
Expected loss remaining		79	$ 96
Assumed loss sharing recovery percentage			80.00%
Estimated loss sharing value			$ 77
FDIC indemnification asset			14
Accretable Discount on FDIC Indemnification Asset			(63)
InterBank
Initial basis for loss sharing determination, net of activity since acquisition date		149,657
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(1,984)
Original estimated fair value of assets, net of activity since acquisition date		(134,355)
Expected loss remaining		$ 13,861
Assumed loss sharing recovery percentage		84.00%
Estimated loss sharing value		$ 11,644
Indemnification assets to be amortized resulting from change in expected losses		1,586
FDIC indemnification asset		13,145
Accretable Discount on FDIC Indemnification Asset		(1,038)
Non-credit premium (discount), net of activity since acquisition date		543
InterBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		1,417
Original estimated fair value of assets, net of activity since acquisition date		(1,417)
InterBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date			193,654
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)
Expected loss remaining			$ 19,347
Assumed loss sharing recovery percentage			83.00%
Estimated loss sharing value	[1]		$ 16,032
Indemnification assets to be amortized resulting from change in expected losses			3,920
FDIC indemnification asset			20,511
Accretable Discount on FDIC Indemnification Asset			(1,801)
Non-credit premium (discount), net of activity since acquisition date			902
FDIC loss share clawback			2,360
InterBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date			2,110
Original estimated fair value of assets, net of activity since acquisition date			(1,392)
Expected loss remaining			$ 718
Assumed loss sharing recovery percentage			80.00%
Estimated loss sharing value	[1]		$ 575
FDIC indemnification asset			542
Accretable Discount on FDIC Indemnification Asset			(33)
Valley Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date		84,283	109,791
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)		(2,121)	(3,213)
Original estimated fair value of assets, net of activity since acquisition date		(76,231)	(93,436)
Expected loss remaining		6,159	13,861
Non-credit premium (discount), net of activity since acquisition date		228	719
Valley Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date		1,973	1,017
Original estimated fair value of assets, net of activity since acquisition date		(1,952)	(995)
Expected loss remaining		$ 21	$ 22
[1]	Includes $400,000 impairment of indemnification asset for loans

Note 4_ Acquired Loans, Loss178

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Changes in Accretable Yield for Acquired Loan Pools (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
TeamBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		$ (1,834)	$ (3,265)	$ (4,138)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	506	205	3,601
TeamBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				7,402
TeamBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		2,477	3,805	6,865
Vantus Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(1,877)	(2,541)	(3,835)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	1,064	1,448	2,563
Vantus Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				5,725
Vantus Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		2,547	3,360	4,453
Sun Security Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(3,832)	(5,487)	(10,590)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	2,185	3,459	7,429
Sun Security Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				11,113
Sun Security Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		4,277	5,924	7,952
InterBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(13,964)	(28,767)	(37,994)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	6,129	9,022	33,991
InterBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)				40,095
InterBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		8,512	16,347	36,092
Valley Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Additions				22,976
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion		(11,933)	(10,975)	(4,788)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	[1]	8,414	8,159	(7,056)
Valley Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)		$ 4,797	$ 8,316	$ 11,132
[1]	Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2016, totaling $506,000, $1.0 million, $1.8 million, $2.7 million and $1.6 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2015, totaling $40,000, $1.1 million, $2.0 million, $4.8 million and $759,000, respectively; and for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2014, totaling $3.2 million, $2.4 million, $3.9 million, $9.2 million and $(9.6 million), respectively.

Note 5_ Other Real Estate Ow179

Note 5: Other Real Estate Owned: Schedule of major classifications of other real estate owned (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Other Real Estate Owned, Net	$ 32,658	$ 31,893
Foreclosed Assets Held For Sale | Subdivision Construction
Foreclosed Assets	6,360	7,016
Foreclosed Assets Held For Sale | Land Development
Foreclosed Assets	10,886	12,133
Foreclosed Assets Held For Sale | One To Four Family Residential
Foreclosed Assets	1,217	1,375
Foreclosed Assets Held For Sale | Other Residential
Foreclosed Assets	954	2,150
Foreclosed Assets Held For Sale | Commercial Real Estate
Foreclosed Assets	3,841	3,608
Foreclosed Assets Held For Sale | Consumer Loan
Foreclosed Assets	1,991	1,109
Foreclosed Assets Held For Sale | Foreclosed Assets Before FDIC Supported Foreclosed Assets
Foreclosed Assets	25,249	27,391
Foreclosed Assets Held For Sale | FDIC Supported Foreclosed Assets Net Of Discounts
Foreclosed Assets	1,426	1,834
Foreclosed Assets Held For Sale | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Foreclosed Assets	316	460
Foreclosed Assets Held For Sale | Acquired Loans Not Covered By FDIC Loss Sharing Agreements Net of Discounts
Foreclosed Assets	1,952	995
Foreclosed Assets Held For Sale Net
Foreclosed Assets	28,943	30,680
Other real estate owned not acquired through foreclosure
Other Real Estate Owned, Net	$ 3,715	$ 1,213

Note 5_ Other Real Estate Ow180

Note 5: Other Real Estate Owned: Other Real Estate Owned Not Acquired Through Foreclosure (Details)	12 Months Ended
	Dec. 31, 2016
Details
Number of properties acquired other than through foreclosure	17
Number of branch locations closed and held for sale	16

Note 5_ Other Real Estate Ow181

Note 5: Other Real Estate Owned: Schedule of expenses applicable to other real estate owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Loss (Gain) on Sales of Foreclosed Assets	$ (68)	$ (397)	$ (91)
Valuation write-downs on foreclosed assets	431	890	3,343
Operating expenses, net of rental income	3,748	2,033	2,384
Total foreclosed assets expenses	$ 4,111	$ 2,526	$ 5,636

Note 6_ Premises and Equipme182

Note 6: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Land	$ 43,582	$ 39,395
Inventory, Buildings and Improvements	95,169	87,333
Furniture and Fixtures, Gross	57,217	56,051
Property, Plant and Equipment, Gross	195,968	182,779
Property, Plant, and Equipment, Owned, Accumulated Depreciation	55,372	53,124
Premises and equipment, net	$ 140,596	$ 129,655

Note 7_ Investments in Limit183

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Investments in Affordable Housing Partnerships Carrying Value, Net	$ 21,800	$ 25,100
Federal Affordable Housing Tax Credits	27,100
Expected Amortization of Investments in Affordable Housing Partnerships	21,000
Usage of Federal Affordable Housing Tax Credits	6,200	6,300	$ 6,000
Actual Amortization of Investments in Affordable Housing Partnerships	$ 4,400	$ 4,900	$ 4,700

Note 7_ Investments in Limit184

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Investments in Community Development Entities Net Carrying Amount	$ 1,900	$ 3,500
Community Development Federal New Market Tax Credits	2,200
Expected Amortization of Investment in Community Development Entities	1,600
Usage of Investment in Community Development Entities Federal New Market Tax Credits	2,300	2,300	$ 2,300
Actual Amortization of Investment in Community Development Entities	$ 1,700	$ 1,700	$ 1,700

Note 8_ Deposits_ Schedule o185

Note 8: Deposits: Schedule of Deposit Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Noninterest-bearing Deposit Liabilities	$ 653,288	$ 571,629
Demand Deposit Accounts	2,192,504	1,980,479
Deposits	3,677,230	3,268,626
0.00% - 0.99% | Bank Time Deposits
Time Deposits	695,738	863,865
1.00% to 1.99% | Bank Time Deposits
Time Deposits	737,649	381,956
2.00% - 2.99% | Bank Time Deposits
Time Deposits	48,777	39,592
3.00% - 3.99% | Bank Time Deposits
Time Deposits	1,119	1,137
4.00% - 4.99% | Bank Time Deposits
Time Deposits	1,171	1,304
5.00% and Above | Bank Time Deposits
Time Deposits	272	293
Total Time Deposits | Bank Time Deposits
Time Deposits	1,484,726	1,288,147
Weighted Average Interest Rate | 0.24% - 0.19%
Interest-bearing Domestic Deposit, Demand	$ 1,539,216	$ 1,408,850

Note 8_ Deposits_ Weighted Aver

Note 8: Deposits: Weighted Average Interest Rate on Certificates of Deposit (Details)	Dec. 31, 2016	Dec. 31, 2015
Details
Weighted average interest rate on certificates of deposit	1.01%	0.85%

Note 8_ Deposits_ Originated Ce

Note 8: Deposits: Originated Certificates of Deposit and Brokered Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Amount of certificates of deposit greater than $100,000 originated	$ 634,700	$ 493,600
Interest-bearing Domestic Deposit, Brokered	$ 324,300	$ 283,700

Note 8_ Deposits (Details)

Note 8: Deposits (Details) - Certificate of Deposit Owner $ in Thousands	Dec. 31, 2016USD ($)
Retail
Time Deposit Maturities, Next Twelve Months	$ 726,594
Time Deposit Maturities, Year Two	262,625
Time Deposit Maturities, Year Three	70,408
Time Deposit Maturities, Year Four	49,427
Time Deposit Maturities, Year Five	47,574
Time Deposit Maturities, after Year Five	3,824
Time Deposits	1,160,452
Brokered
Time Deposit Maturities, Next Twelve Months	310,364
Time Deposit Maturities, Year Two	13,910
Time Deposits	324,274
Certificate Owners, Total
Time Deposit Maturities, Next Twelve Months	1,036,958
Time Deposit Maturities, Year Two	276,535
Time Deposit Maturities, Year Three	70,408
Time Deposit Maturities, Year Four	49,427
Time Deposit Maturities, Year Five	47,574
Time Deposit Maturities, after Year Five	3,824
Time Deposits	$ 1,484,726

Note 8_ Deposits_ Schedule o189

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Interest Expense, Demand Deposit Accounts	$ 3,888	$ 2,858	$ 3,088
Interest Expense, Time Deposits	13,598	10,739	8,264
Interest Expense Domestic Deposit Liabilities, Withdrawal Penalties	(99)	(86)	(127)
Interest Expense, Customer Deposits	$ 17,387	$ 13,511	$ 11,225

Note 9_ Advances From Federa190

Note 9: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Federal Home Loan Bank, Advances, Maturities Summary, Due in Remainder of Fiscal Year		$ 232,071
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Rolling Twelve Months	$ 30,826	30,826
Federal Home Loan Bank, Advances, Maturities Summary, in Rolling Year Two	81	81
Federal Home Loan Bank, Advances, Maturities Summary, in Rolling Year Three	28	28
Federal Home Loan Bank, Advances, Maturities Summary, Due after Rolling Year Five	500	500
Federal Home Loan Bank advances	31,452	263,546
Federal Home Loan Bank, Advances, Valuation Adjustments under Fair Value Option	17	40
Advances from the Federal Home Loan Bank, after unamortized fair value adjustment	$ 31,452	$ 263,546
Federal Home Loan Bank Advances
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	3.30%	0.76%
Federal Home Loan Bank Advances Maturities Summary Due in Remainder if Fiscal Year
Federal Home Loan Bank, Advances, Weighted Average Interest Rate		0.42%
Federal Home Loan Bank Advances Maturities Summary Due in Next Rolling Twelve Months
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	3.26%	3.26%
Federal Home Loan Bank Advances Maturities Summary Due in Rolling Year Two
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	5.14%	5.14%
Federal Home Loan Bank Advances Maturities Summary Due in Rolling Year Three
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	5.14%	5.14%
Federal Home Loan Bank Advances Maturities Summary Due After Rolling Year Five
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	5.54%	5.54%

Note 9_ Advances From Federa191

Note 9: Advances From Federal Home Loan Bank: Pledged as Collateral (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 1,120,000	$ 1,210,000
Federal Home Loan Bank of Des Moines
Long-term Line of Credit	$ 551,000

Note 10_ Short-term Borrowin192

Note 10: Short-term Borrowings: Schedule of Short-term Debt (Details) - Short-term Debt - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Notes payable (Community Development) - Equity Funds	$ 1,323	$ 1,295
Other Short-term Borrowings	171,000
Securities for Reverse Repurchase Agreements	113,700	116,182
Short-term Debt, Fair Value	$ 286,023	$ 117,477

Note 10_ Short-term Borrowin193

Note 10: Short-term Borrowings: Short Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Details
Short-term Debt, Weighted Average Interest Rate	0.50%	0.04%
Short-term Debt, Average Outstanding Amount	$ 327,700	$ 192,100
Short-term Debt, Maximum Amount Outstanding During Period	$ 523,100	$ 219,500

Note 10_ Short-term Borrowin194

Note 10: Short-term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities sold under reverse repurchase agreements with customers	$ 113,700	$ 116,182
Financial Assets Sold under Agreement to Repurchase
Securities sold under reverse repurchase agreements with customers	113,700	116,182
Financial Assets Sold under Agreement to Repurchase | Maturity Overnight | Federal Home Loan Bank Certificates and Obligations (FHLB)
Securities sold under reverse repurchase agreements with customers	16,202
Financial Assets Sold under Agreement to Repurchase | Maturity Overnight | Mortgage Backed Securities, Other
Securities sold under reverse repurchase agreements with customers	$ 97,498	$ 116,182

Note 11_ Federal Reserve Ban195

Note 11: Federal Reserve Bank Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Federal Reserve Bank Advances
Long-term Line of Credit	$ 602,000	$ 633,700

Note 13_ Subordinated Debent196

Note 13: Subordinated Debentures Issued To Capital Trusts: Schedule of Subordinated Debentures Issued to Capital Trusts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Details
Subordinated debentures	$ 25,774	$ 25,774

Note 14_ Subordinated Notes_197

Note 14: Subordinated Notes: Schedule of Subordinated Borrowing (Details) $ in Thousands	Dec. 31, 2016USD ($)
Details
Subordinated Debt	$ 75,000
Unamortized Debt Issuance Expense	1,463
Subordinated Notes Proceeds, Net	$ 73,537

Note 15_ Income Taxes_ Sched198

Note 15: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Income Taxes Payable, Current	$ 20,137	$ 20,234	$ 20,013
Deferred Income Taxes and Tax Credits	(3,621)	(4,670)	(6,260)
Accrued Income Taxes, Current	$ 16,516	$ 15,564	$ 13,753

Note 15_ Income Taxes_ Sched199

Note 15: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Deferred Tax Assets Allowance for Loan Losses	$ 13,576	$ 13,848
Deferred Tax Assets Interest on Nonperforming Loans	364	259
Deferred Tax Assets Accrued Expenses	1,288	1,302
Deferred Tax Assets Write-down of Foreclosed Assets	3,300	4,056
Deferred Tax Assets Write-down of Fixed Assets	535	417
Deferred Tax Assets Difference in basis for acquired assets and liabilities	4,533
Deferred Tax Assets, Gross, Current	23,596	19,882
Deferred Tax Liabilities Tax Depreciation in Excess of Book Depreciation	(6,425)	(6,483)
Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends	(1,805)	(1,549)
Deferred Tax Liabilities Partnership Tax Credits	(1,651)	(1,991)
Deferred Tax Liabilities, Prepaid Expenses	(728)	(515)
Deferred Tax Liabilities, Unrealized Gains on Trading Securities	(980)	(3,369)
Deferred Tax Liabilities Difference in Basis for Acquired Assets and Liabilities		(435)
Deferred Tax Liabilities, Other	(318)	(185)
Deferred Tax Liabilities, Gross, Current	(11,907)	(14,527)
Deferred Tax Assets, Net	$ 11,689	$ 5,355

Note 15_ Income Taxes_ Sched200

Note 15: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	35.00%	35.00%	35.00%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent	(2.10%)	(2.40%)	(3.00%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	(7.30%)	(8.10%)	(9.50%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.10%	1.40%	1.50%
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent		(0.80%)
Effective Income Tax Rate Reconciliation	26.70%	25.10%	24.00%

Note 16_ Disclosures About F201

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Assets, Fair Value Disclosure, Recurring	$ 146,035	$ 161,214
US States and Political Subdivisions Debt Securities
Assets, Fair Value Disclosure, Recurring	67,837	78,031
Interest Rate Swap Asset
Assets, Fair Value Disclosure, Recurring	1,663	2,711
Interest Rate Swap Liability
Assets, Fair Value Disclosure, Recurring	$ (1,699)	(2,725)
US Government Agencies Debt Securities
Assets, Fair Value Disclosure, Recurring		19,781
Other securities
Assets, Fair Value Disclosure, Recurring		$ 3,830

Note 16_ Disclosures About F202

Note 16: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Impaired Loans
Assets, Fair Value Disclosure, Nonrecurring	$ 8,280	$ 13,896
Foreclosed Assets Held For Sale
Assets, Fair Value Disclosure, Nonrecurring	$ 1,604	$ 1,722

Note 16_ Disclosures About F203

Note 16: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details) $ in Thousands	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)
Financial Assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 279,769	$ 199,183
Financial Instruments, Owned, at Fair Value	$ 279,769	$ 199,183
Fair Value by Fair Value Hierarchy Level	1	1
Financial Assets | Held-to-maturity Securities
Financial Instruments Owned Carrying Amount	$ 247	$ 353
Financial Instruments, Owned, at Fair Value	$ 258	$ 384
Fair Value by Fair Value Hierarchy Level	2	2
Financial Assets | Mortgage Loans Held For Sale
Financial Instruments Owned Carrying Amount	$ 16,445	$ 12,261
Financial Instruments, Owned, at Fair Value	$ 16,445	$ 12,261
Fair Value by Fair Value Hierarchy Level	2	2
Financial Assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 3,759,966	$ 3,340,536
Financial Instruments, Owned, at Fair Value	$ 3,766,709	$ 3,355,924
Fair Value by Fair Value Hierarchy Level	3	3
Financial Assets | Accrued Interest Receivable
Financial Instruments Owned Carrying Amount	$ 11,875	$ 10,930
Financial Instruments, Owned, at Fair Value	$ 11,875	$ 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	$ 13,034	$ 15,303
Financial Instruments, Owned, at Fair Value	$ 13,034	$ 15,303
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Subordinated Debentures
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 | Deposits
Financial Instruments Owned Carrying Amount	$ 3,677,230	$ 3,268,626
Financial Instruments, Owned, at Fair Value	$ 3,683,751	$ 3,271,318
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Federal Home Loan Bank Advances
Financial Instruments Owned Carrying Amount	$ 31,452	$ 263,546
Financial Instruments, Owned, at Fair Value	$ 32,379	$ 264,331
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Short-term Debt
Financial Instruments Owned Carrying Amount	$ 286,023	$ 117,477
Financial Instruments, Owned, at Fair Value	$ 286,023	$ 117,477
Fair Value by Fair Value Hierarchy Level	3	3
Financial Liabilities | Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 73,537
Financial Instruments, Owned, at Fair Value	$ 76,031
Fair Value by Fair Value Hierarchy Level	2
Financial Liabilities | Accrued Interest Payable
Financial Instruments Owned Carrying Amount	$ 2,723	$ 1,080
Financial Instruments, Owned, at Fair Value	$ 2,723	$ 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	$ 92	$ 145
Financial Instruments, Owned, at Fair Value	$ 92	$ 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 17_ Operating Leases_ S204

Note 17: Operating Leases: Schedule of Future Minimum Rental Payments for Operating Leases (Details) $ in Thousands	Dec. 31, 2016USD ($)
Details
Operating Leases, Future Minimum Payments Due, Next Twelve Months	$ 819
Operating Leases, Future Minimum Payments, Due in Two Years	581
Operating Leases, Future Minimum Payments, Due in Three Years	405
Operating Leases, Future Minimum Payments, Due in Four Years	323
Operating Leases, Future Minimum Payments, Due in Five Years	149
Operating Leases, Future Minimum Payments, Due Thereafter	72
Operating Leases, Future Minimum Payments Due	$ 2,349

Note 17_ Operating Leases_ Rent

Note 17: Operating Leases: Rental Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Operating Leases, Rent Expense	$ 973	$ 1,200	$ 1,100

Note 18_ Derivatives and Hed206

Note 18: Derivatives and Hedging Activities: Nondesignated Hedges (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge	$ 66	$ (43)
Interest Rate Swap | Not Designated as Hedging Instrument | Commercial Customers
Derivative, Notional Amount	$ 110,700	$ 123,000

Note 18_ Derivatives and Hed207

Note 18: Derivatives and Hedging Activities: Derivative Instruments, Gain (Loss) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Total derivatives designated as hedging instruments	$ 40	$ 128
Asset Derivative Fair Value
Total derivatives not designated as hedging instruments	1,623	2,583
Liability Derivative Fair Value
Total derivatives not designated as hedging instruments	$ 1,699	$ 2,725

Note 18_ Derivatives and Hed208

Note 18: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges | Interest Rate Cap
Derivative Instruments, Gain (Loss) Recognized in Other Comprehensive Income (Loss), Effective Portion, Net	$ 87	$ (50)	$ (164)

Note 19_ Commitments and Cre209

Note 19: Commitments and Credit Risk: Mortgage Loans in Process of Origination (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Mortgage loans in the process of origination	$ 15,900	$ 13,400

Note 19_ Commitments and Cre210

Note 19: Commitments and Credit Risk: Letters of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Letters of Credit Outstanding, Amount	$ 26,400	$ 32,100
Letters of Credit Terms Up to Five Years	25,100	29,500
Letters of Credit Terms Over Five Years	$ 1,300	$ 2,600

Note 19_ Commitments and Cre211

Note 19: Commitments and Credit Risk: Purchased Letters of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Purchased Letters of Credit From Federal Home Loan Bank	$ 2,100	$ 2,100

Note 19_ Commitments and Cre212

Note 19: Commitments and Credit Risk: Lines of Credit (Details) - Unused lines of Credit - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Commercial line of credit
Long-term Line of Credit	$ 658,400	$ 485,900
Open end consumer lines of credit
Long-term Line of Credit	$ 123,400	$ 105,400

Note 19_ Commitments and Cre213

Note 19: Commitments and Credit Risk: Credit Risk -- Secured Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Details
Loans and Leases Receivable, Collateral for Secured Borrowings	$ 677,300	$ 555,700

Note 20_ Additional Cash Flo214

Note 20: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Noncash Investing and Financing Activities
Real Estate Acquired Through Foreclosure	$ 26,076	$ 12,185	$ 19,975
Proceeds from Sale of Wholly Owned Real Estate and Real Estate Acquired in Settlement of Loans	3,334	3,316	1,805
Conversion of premises and equipment to foreclosed assets	6,985		202
Dividends declared but not paid	3,073	3,055	2,896
Additional Cash Payment Information
Interest Paid	20,476	15,984	15,833
Income Taxes Paid	$ 9,554	$ 13,096	$ 8,510

Note 22_ Stock Compensation 215

Note 22: Stock Compensation Plans: Schedule of Share-based Compensation, Stock Options, Activity (Details) - $ / shares	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	(131,000)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	131,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 41.228
Employee Stock Option | Granted From 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		(129,350)	(147,400)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options		129,350	147,400
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 49.199	$ 32.450
Employee Stock Option | Exercised
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(81,812)	(134,263)	(153,287)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 26.472	$ 25.403	$ 27.088
Employee Stock Option | Forfeited From Terminated Plan(s)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(2,692)	(8,453)	(22,022)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 22.654	$ 24.941	$ 27.387
Employee Stock Option | Forfeited From Current Plan(s)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	19,025	14,000	10,700
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(19,025)	(14,000)	(10,700)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 39.123	$ 33.389	$ 30.204
Employee Stock Option | Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			583,500
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options			699,707
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price			$ 25.597
Employee Stock Option | End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	219,475	331,450	446,800
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	661,203	633,732	661,098
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 33.672	$ 31.297	$ 26.560

Note 22_ Stock Compensation 216

Note 22: Stock Compensation Plans: Schedule of Fair Value Option Pricing Model Assumptions (Details) - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Details
Fair Value Assumptions, Expected Dividend Payments	$ 0.88	$ 0.88	$ 0.80
Fair Value Assumptions, Risk Free Interest Rate	1.27%	1.66%	1.40%
Fair Value Assumptions, Expected Term, Simplified Method	5 years	5 years	5 years
Fair Value Assumptions, Expected Volatility Rate	22.08%	24.42%	18.95%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 6.59	$ 9.59	$ 4.20

Note 22_ Stock Compensation 217

Note 22: Stock Compensation Plans: Schedule of Share-based Compensation, Activity (Details) - Employee Stock Option	12 Months Ended
	Dec. 31, 2016$ / sharesshares
Options Outstanding | Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	633,732
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 31.297
Share based compensation stock option weighted average remaining contractual term	7.22 years
Options Outstanding | End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	661,203
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 33.672
Share based compensation stock option weighted average remaining contractual term	7.23 years
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	131,000
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 41.228
Exercised
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(81,812)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 26.472
Forfeited
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(21,717)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 37.082
Options Exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	247,920
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 24.367
Share based compensation stock option weighted average remaining contractual term	5.13 years

Note 22_ Stock Compensation 218

Note 22: Stock Compensation Plans: Schedule of Nonvested Share Activity (Details) - Employee Stock Option	12 Months Ended
	Dec. 31, 2016$ / sharesshares
Nonvested Options | Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	412,164
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 35.479
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 6.039
Nonvested Options | End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	413,283
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 39.253
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 6.631
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	131,000
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 41.228
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 6.592
Vested This Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(109,744)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 27.770
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 4.337
Nonvested Options Forfeited
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(20,137)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 38.248
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 6.779

Note 22_ Stock Compensation 219

Note 22: Stock Compensation Plans: Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable (Details)	12 Months Ended
	Dec. 31, 2016$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 41.228
Range of Exercise Prices | $8.360 to $19.530
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	65,559
Share based compensation stock option weighted average remaining contractual term	4.54 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 17.911
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	65,559
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 17.911
Range of Exercise Prices | $21.320 to $24.820
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	111,650
Share based compensation stock option weighted average remaining contractual term	5.01 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 23.683
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	88,540
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 23.408
Range of Exercise Prices | $25.480 to $29.860
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	115,672
Share based compensation stock option weighted average remaining contractual term	5.83 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 28.767
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	63,229
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 28.151
Range of Exercise Prices | $30.660 to $39.050
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	133,772
Share based compensation stock option weighted average remaining contractual term	7.85 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 32.997
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	28,592
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 32.590
Range of Exercise Prices | $41.500 to $50.710
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	234,550
Share based compensation stock option weighted average remaining contractual term	9.38 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 45.635
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	2,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 41.300
Range of Exercise Prices | Options outstanding and exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	661,203
Share based compensation stock option weighted average remaining contractual term	7.23 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 33.672
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	247,920
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 24.367

Note 24_ Accumulated Other C220

Note 24: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Details) - Accumulated Other Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Net unrealized gain (loss) on available for sale securities	$ 2,699	$ 9,282
Net unrealized gain (loss) on available for sale securities for which a portion of an other-than-temporary impairment has been recognized in income	(254)	(391)
Other Comprehensive Income (Loss), before Tax	2,445	8,891
Tax effect accumulated other comprehensive income	(887)	(3,227)
Other Comprehensive Income (Loss), Net of Tax	$ 1,558	$ 5,664

Note 24_ Accumulated Other C221

Note 24: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	$ 1,830	$ 1	$ 1,390
Affected Line Item in the Statements of Income | Net realized gains on available-for-sale securities (total reclassified amount before tax)
Unrealized gains on available-for-sale securities reclassified out of AOCI	2,873	2	2,139
Affected Line Item in the Statements of Income | Tax (expense) benefit
Income taxes on unrealized gains on available-for-sale securities reclassified out of AOCI	$ (1,043)	$ (1)	$ (749)

Note 25_ Regulatory Matters_222

Note 25: Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Total risk-based capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 556,106	$ 452,637
Actual Capital Ratio	13.60%	12.60%
Capital Required for Capital Adequacy	$ 327,610	$ 288,279
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized
Capital Required to be Well Capitalized to Risk Weighted Assets
Total risk-based capital | Great Southern Bank
Actual Capital Amount	$ 520,989	$ 434,334
Actual Capital Ratio	12.70%	12.10%
Capital Required for Capital Adequacy	$ 327,505	$ 288,180
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized	$ 409,382	$ 360,225
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier I risk-based capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 443,706	$ 414,488
Actual Capital Ratio	10.80%	11.50%
Capital Required for Capital Adequacy	$ 245,707	$ 216,209
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Capital Required to be Well Capitalized
Capital Required to be Well Capitalized to Risk Weighted Assets
Tier I risk-based capital | Great Southern Bank
Actual Capital Amount	$ 483,589	$ 396,185
Actual Capital Ratio	11.80%	11.00%
Capital Required for Capital Adequacy	$ 245,629	$ 216,135
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Capital Required to be Well Capitalized	$ 327,505	$ 288,180
Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier I leverage capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 443,706	$ 414,488
Actual Capital Ratio	9.90%	10.20%
Capital Required for Capital Adequacy	$ 178,693	$ 162,576
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized
Capital Required to be Well Capitalized to Risk Weighted Assets
Tier I leverage capital | Great Southern Bank
Actual Capital Amount	$ 483,589	$ 396,185
Actual Capital Ratio	10.80%	9.80%
Capital Required for Capital Adequacy	$ 178,643	$ 161,986
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized	$ 223,304	$ 202,482
Capital Required to be Well Capitalized to Risk Weighted Assets	5.00%	5.00%
Capital Equity Tier I Capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 418,687	$ 389,460
Actual Capital Ratio	10.20%	10.80%
Capital Required for Capital Adequacy	$ 184,280	$ 162,157
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Capital Required to be Well Capitalized
Capital Required to be Well Capitalized to Risk Weighted Assets
Capital Equity Tier I Capital | Great Southern Bank
Actual Capital Amount	$ 483,569	$ 396,157
Actual Capital Ratio	11.80%	11.00%
Capital Required for Capital Adequacy	$ 184,222	$ 162,101
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Capital Required to be Well Capitalized	$ 266,098	$ 234,146
Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%

Note 27_ Summary of Unaudite223

Note 27: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Net income													$ 45,342	$ 46,502	$ 43,529
Quarterly Operating Results
Interest Income, Operating	$ 46,937	$ 46,856	$ 45,636	$ 45,746	$ 44,956	$ 45,755	$ 45,734	$ 47,906	$ 49,077	$ 47,607	$ 44,384	$ 42,294
Interest Expense Operating	6,690	5,828	4,974	4,627	4,261	4,230	3,725	3,781	3,559	3,501	4,413	4,328
Provision for Other Losses	2,380	2,500	2,300	2,101	1,216	1,703	1,300	1,300	53	945	1,462	1,691
Net realized gain (losses) and impairment on available for sale securities operating	(9)	144	2,735	3		2			1,176	321	569	73
Noninterest Income, Other Operating Income	7,530	7,090	8,916	4,974	5,060	5,120	3,457	(56)	1,398	1,778	10,631	924
Other Noninterest Expense	29,043	30,657	29,807	30,920	29,145	30,014	27,949	27,242	31,168	29,398	34,399	25,894
Provision for income taxes	4,560	3,740	4,937	3,279	3,744	3,732	4,214	3,874	3,628	3,951	3,687	2,487
Net income	11,794	11,221	12,534	9,793
Net income available to common shareholders	$ 11,794	$ 11,221	$ 12,534	$ 9,793	$ 11,531	$ 11,051	$ 11,858	$ 11,508	$ 11,923	$ 11,445	$ 10,909	$ 8,673
Earnings per share operating results diluted	$ 0.83	$ 0.80	$ 0.89	$ 0.70	$ 0.81	$ 0.79	$ 0.85	$ 0.83	$ 0.86	$ 0.83	$ 0.79	$ 0.63
Net income from continuing operations results					$ 11,650	$ 11,196	$ 12,003	$ 11,653	$ 12,067	$ 11,590	$ 11,054	$ 8,818

Note 28_ Condensed Parent Co224

Note 28: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Cash	$ 120,203	$ 115,198
Available-for-sale securities	213,872	262,856
Prepaid expenses and other assets	45,649	59,322
Total assets	4,550,663	4,104,189
Subordinated Debt	75,000
Additional paid-in capital	25,942	24,371
Retained earnings	402,166	368,053
Statements of Financial Condition | Parent Company | Assets
Cash	37,716	20,009
Available-for-sale securities		3,830
Investment in subsidiary bank	494,947	403,174
Deferred income taxes	89
Prepaid expenses and other assets	1,214	1,335
Total assets	533,966	428,348
Statements of Financial Condition | Parent Company | Liabilities and Stockholders Equity
Accounts Payable and Other Accrued Liabilities	4,849	3,403
Deferred Tax Liabilities, Gross		944
Subordinated Debt	25,774	25,774
Preferred Stock Value Parent	73,537
Common Stock Value Parent	140	139
Additional paid-in capital	25,942	24,371
Retained earnings	402,166	368,053
Unrealized gain on available-for-sale securities, parent net	1,558	5,664
Total Assets and Liabilities	$ 533,966	$ 428,348

Note 28_ Condensed Parent Co225

Note 28: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Gain on Redemption of Trust Preferred Securities		$ (1,115)
Total interest expense	$ 22,119	15,997	$ 15,801
Statements of Income | Parent Company
Income before income tax and equity in undistributed earnings of subsidiaries	11,034	26,561	34,237
Income Tax Credits and Adjustments	(241)	(91)	(388)
Income before equity in earnings of subsidiaries	11,275	26,652	34,625
Equity in undistributed earnings of subsidiaries	34,067	19,850	8,904
Net income parent company	45,342	46,502	43,529
Statements of Income | Parent Company | Income
Dividends from subsidiary bank	12,000	27,000	36,000
Other Interest and Dividend Income		5	22
Gain on Redemption of Trust Preferred Securities	2,735	1,416
Other income (loss)	2	(7)	(20)
Total income	14,737	28,414	36,002
Statements of Income | Parent Company | Expense
Operating Expenses	1,322	1,139	1,198
Total interest expense	2,381	714	567
Total expense	$ 3,703	$ 1,853	$ 1,765

Note 28_ Condensed Parent Co226

Note 28: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Gain on Redemption of Trust Preferred Securities		$ (1,115)
Amortization of interest rate derivative	$ 289	204	$ 19
Prepaid expenses and other assets	12,655	3,982	8,430
Net cash provided by operating activities	80,055	71,429	67,433
Proceeds from sale of available-for-sale securities	55,000	56,169	220,169
Net cash provided by (used in) investing activities	(198,146)	(196,195)	35,870
Redemption of preferred stock		(57,943)
Redemption of Trust Preferred Securities		(3,885)
Net cash provided by (used in) financing activities	198,677	105,302	(112,581)
Statements of Cash Flows | Parent Company
Cash, Period Increase (Decrease)	17,707	(44,827)	25,871
Cash beginning of period	20,009	64,836	38,965
Cash end of period	37,716	20,009	64,836
Statements of Cash Flows | Parent Company | Operating Activities
Operating Activity Net Income Parent Company	45,342	46,502	43,529
Net cash provided by operating activities	10,776	25,913	35,182
Statements of Cash Flows | Parent Company | Operating Activities | Items not requiring (providing) cash
Increase (Decrease) Equity in Undistributed Earnings of Subsidiaries	(34,067)	(19,850)	(8,904)
Compensation expense for stock option grants	483	382	565
Gain on Redemption of Trust Preferred Securities		(1,115)
Net realized gains on sales of non-marketable securities		(301)
Net realized gains on sales of available-for-sale securities	(2,735)
Statements of Cash Flows | Parent Company | Operating Activities | Changes in
Prepaid expenses and other assets	175	(27)	(3)
Accounts Payable and Other Accrued Liabilities	1,495	63	(67)
Income taxes parent	(206)	55	43
Statements of Cash Flows | Parent Company | Investing Activities
Proceeds from sale of available-for-sale securities	3,583
Investment in Subsidiary	(60,000)
Investment/Return of principal - other investments	(2)	16	20
Net cash provided by (used in) investing activities	(56,419)	16	20
Statements of Cash Flows | Parent Company | Financing Activities
Payments for Derivative Instrument, Financing Activities	73,472
Redemption of preferred stock		(57,943)
Redemption of Trust Preferred Securities		(3,885)
Payments for Repurchase of Warrants			(512)
Dividends, Paid-in-kind	(12,232)	(12,290)	(11,257)
Stock options excercised	2,110	3,362	2,438
Net cash provided by (used in) financing activities	$ 63,350	$ (70,756)	$ (9,331)

Note 28_ Condensed Parent Co227

Note 28: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Unrealized Appreciation (Depreciation) on Available for Sale Securities, Net	$ (2,363)	$ (1,321)	$ 6,128
Statements of Comprehensive Income | Parent Company
Unrealized Appreciation (Depreciation) on Available for Sale Securities, Net	(158)	400	185
Reclassification adjustment for gains included in net income	(1,742)
Change in Fair Value of Cash Flow Hedge, Net	87	(50)	(164)
Comprehensive Income of subsidiaries	(2,293)	(1,722)	4,553
Comprehensive Income parent	$ 41,236	$ 45,130	$ 48,103

Note 31_ Acquisition of Loan228

Note 31: 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	58
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities	229,039
Business Acquisition, Goodwill, Expected Tax Deductible Amount	$ 4,228

Note 31_ Acquisition of Loan229

Note 31: 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