Great Southern Bancorp (GSBC) 10-K 7 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Mar. 01, 2019	Jun. 30, 2018
Details
Registrant Name	GREAT SOUTHERN BANCORP, INC.
Registrant CIK	854,560
SEC Form	10-K
Period End date	Dec. 31, 2018
Fiscal Year End	--12-31
Trading Symbol	gsbc
Tax Identification Number (TIN)	431,524,856
Number of common stock shares outstanding		14,164,730
Public Float			$ 626,952,383
Filer Category	Accelerated Filer
Current with reporting	Yes
Voluntary filer	No
Well-known Seasoned Issuer	No
Shell Company	false
Small Business	false
Emerging Growth Company	false
Amendment Flag	false
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	FY
Entity Incorporation, State Country Name	Maryland
Entity Address, Address Line One	1451 E. Battlefield
Entity Address, City or Town	Springfield
Entity Address, State or Province	Missouri
Entity Address, Postal Zip Code	65,804
City Area Code	417
Local Phone Number	887-4400

Consolidated Statements of Fina

Consolidated Statements of Financial Position - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash	$ 110,108	$ 115,600
Interest-bearing deposits in other financial institutions	92,634	126,653
Cash and cash equivalents	202,742	242,253
Available-for-sale securities	243,968	179,179
Held-to-maturity securities	0	130
Mortgage Loans Held for Sale	1,650	8,203
Loans receivable, net of allowance for loan losses of $38,409 and $36,492 at December 31, 2018 and 2017, respectively	3,989,001	3,726,302
Interest receivable	13,448	12,338
Prepaid expenses and other assets	55,336	47,122
Other real estate owned and repossessions, net	8,440	22,002
Premises and equipment, net	132,424	138,018
Goodwill and other intangible assets	9,288	10,850
Federal Home Loan Bank stock	12,438	11,182
Current and deferred income taxes	7,465	16,942
Total assets	4,676,200	4,414,521
Liabilities
Deposits	3,725,007	3,597,144
Federal Home Loan Bank advances	0	127,500
Securities sold under reverse repurchase agreements with customers	105,253	80,531
Short-term borrowings and other interest-bearing liabilities	192,725	16,604
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	73,842	73,688
Accrued interest payable	3,570	2,904
Advances from borrowers for taxes and insurance	5,092	5,319
Accrued expenses and other liabilities	12,960	13,395
Total liabilities	4,144,223	3,942,859
Commitments and Contingencies	0	0
Capital Stock
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding 2018 and 2017 - -0- shares	0	0
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding 2018 - 14,151,198 shares, 2017 - 14,087,533 shares	142	141
Additional paid-in capital	30,121	28,203
Retained earnings	492,087	442,077
Accumulated other comprehensive income, net of income taxes of $2,844 and $708 at December 31, 2018 and 2017, respectively	9,627	1,241
Total stockholders' equity	531,977	471,662
Total liabilities and stockholders' equity	$ 4,676,200	$ 4,414,521

Consolidated Statements of Fi_2

Consolidated Statements of Financial Position - Parenthetical - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Loans and Leases Receivable, Allowance	$ 38,409	$ 36,492
Preferred Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	1,000,000	1,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Common Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	14,151,198	14,087,533
Common Stock, Shares, Outstanding	14,151,198	14,087,533
Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Effect Net of Tax	$ 2,844	$ 708

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Interest Income
Loans	$ 198,226	$ 176,654	$ 178,883
Investment securities and other	7,723	6,407	6,292
Interest and Dividend Income, Operating	205,949	183,061	185,175
Interest Expense
Deposits	27,957	20,595	17,387
Federal Home Loan Bank advances	3,985	1,516	1,214
Short-term borrowings and repurchase agreements	765	747	1,137
Subordinated debentures issued to capital trust	953	949	803
Subordinated notes	4,097	4,098	1,578
Interest Expense	37,757	27,905	22,119
Net Interest Income	168,192	155,156	163,056
Provision for Loan Losses	7,150	9,100	9,281
Net Interest Income After Provision for Loan Losses	161,042	146,056	153,775
Noninterest Income
Commissions	1,137	1,041	1,097
Service charges and ATM fees	21,695	21,628	21,666
Net gains on loan sales	1,788	3,150	3,941
Net realized gains on sales of available-for-sale securities	2	0	2,873
Late charges and fees on loans	1,622	2,231	1,747
Gain on derivative interest rate products	25	28	66
Gain on sale of business units	7,414	0	0
Gain (loss) on termination of loss sharing agreements	0	7,705	(584)
Amortization of income/expense related to business acquisitions	0	(486)	(6,351)
Other income	2,535	3,230	4,055
Noninterest Income	36,218	38,527	28,510
Noninterest Expense
Salaries and employee benefits	60,215	60,034	60,377
Occupancy expense	25,628	24,613	26,077
Postage	3,348	3,461	3,791
Insurance	2,674	2,959	3,482
Advertising	2,460	2,311	2,228
Office supplies and printing	1,047	1,446	1,708
Telephone	3,272	3,188	3,483
Legal, audit and other professional fees	3,423	2,862	3,191
Expense on other real estate and repossessions	4,919	3,929	4,111
Partnership Tax Credit Investment Amortization	575	930	1,681
Acquired Deposit Intangible Asset Amortization	1,562	1,650	1,910
Other operating expenses	6,187	6,878	8,388
Noninterest Expense	115,310	114,261	120,427
Income Before Income Taxes	81,950	70,322	61,858
Provision for Income Taxes	14,841	18,758	16,516
Net Income and Net Income Available to Common Shareholders	$ 67,109	$ 51,564	$ 45,342
Earnings Per Common Share
Basic	$ 4.75	$ 3.67	$ 3.26
Diluted	$ 4.71	$ 3.64	$ 3.21

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Net Income	$ 67,109	$ 51,564	$ 45,342
Unrealized depreciation on available-for-sale securities, net of taxes (credit) of $(353), $(272) and $(1,346) for 2018, 2017 and 2016, respectively	(1,229)	(478)	(2,363)
Less: reclassification adjustment for gains included in net income, net of taxes (credit) of $0, $0 and $(1,043) for 2018, 2017 and 2016, respectively	(2)	0	(1,830)
Change in fair value of cash flow hedge, net of taxes of $2,761, $93 and $50 for 2018, 2017 and 2016, respectively	9,345	161	87
Other comprehensive income (loss)	8,114	(317)	(4,106)
Comprehensive Income	$ 75,223	$ 51,247	$ 41,236

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income - Parenthetical - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Tax Effect of Unrealized Appreciation/Depreciation on Available for Sale Securities Taxes Credit	$ (353)	$ (272)	$ (1,346)
Tax Effect Reclassification Adjustment for Gains Included in Net Income Taxes Credit	0	0	(1,043)
Tax Effect of Change in Fair Value of Cash Flow Hedge Taxes Credit	$ 2,761	$ 93	$ 50

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands		Stockholders' Equity, Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Other Comprehensive Income (Loss)	Treasury Stock
Equity Balance at Dec. 31, 2015		$ 398,227	$ 139	$ 24,371	$ 368,053	$ 5,664	$ 0
Stock issued under Stock Option Plan		2,593	0	1,571	0	0	1,022
Common dividends declared	[1]	(12,250)	0	0	(12,250)	0	0
Other comprehensive gain (loss)		(4,106)	0	0	0	(4,106)	0
Reclassification of Treasury Stock per Maryland Law		0	1	0	1,021	0	(1,022)
Common dividends declared	[1]	(12,250)	0	0	(12,250)	0	0
Net income		45,342	0	0	45,342	0	0
Common dividends declared	[1]	(12,250)	0	0	(12,250)	0	0
Equity Balance at Dec. 31, 2016		429,806	140	25,942	402,166	1,558	0
Stock issued under Stock Option Plan		3,811	0	2,261	0	0	1,550
Common dividends declared	[2]	(13,202)	0	0	(13,202)	0	0
Other comprehensive gain (loss)		(317)	0	0	0	(317)	0
Reclassification of Treasury Stock per Maryland Law		0	1	0	1,549	0	(1,550)
Common dividends declared	[2]	(13,202)	0	0	(13,202)	0	0
Net income		51,564	0	0	51,564	0	0
Common dividends declared	[2]	(13,202)	0	0	(13,202)	0	0
Equity Balance at Dec. 31, 2017		471,662	141	28,203	442,077	1,241	0
Stock issued under Stock Option Plan		2,961	0	1,918	0	0	1,043
Common dividends declared	[3]	(16,966)	0	0	(16,966)	0	0
Other comprehensive gain (loss)		8,114	0	0	0	8,114	0
Reclassification of Treasury Stock per Maryland Law		0	1	0	139	0	(140)
Common dividends declared	[3]	(16,966)	0	0	(16,966)	0	0
Net income		67,109	0	0	67,109	0	0
Common dividends declared	[3]	(16,966)	0	0	(16,966)	0	0
Purchase of the Company's common stock		(903)	0	0	0	0	(903)
Reclassification of stranded tax effects resulting from change in Federal income tax rate		0	0	0	(272)	272	0
Equity Balance at Dec. 31, 2018		$ 531,977	$ 142	$ 30,121	$ 492,087	$ 9,627	$ 0
[1]	$.88 per share dividend.
[2]	$.94 per share dividend.
[3]	$1.20 per share dividend.

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Operating Activities
Net income	$ 67,109	$ 51,564	$ 45,342
Proceeds from sales of loans held for sale	92,422	138,659	156,835
Originations of loans held for sale	(83,806)	(126,215)	(156,036)
Items not requiring (providing) cash
Depreciation	9,118	9,120	9,816
Amortization	2,291	2,731	3,656
Compensation expense for stock option grants	737	564	483
Provision for loan losses	7,150	9,100	9,281
Net gains on loan sales	(1,788)	(3,150)	(3,941)
Net realized gains on available-for-sale securities	(2)	0	(2,873)
(Gain) loss on sale of premises and equipment	193	297	(249)
Net (gains) losses on sale/write-down of other real estate owned	1,886	(449)	489
Gain on Sales of Business Units	(7,414)	0	(368)
(Gain) loss realized on termination of loss sharing agreements	0	(7,705)	584
(Accretion) amortization of deferred income, premiums, discounts and other	(2,918)	(1,947)	4,423
Gain on derivative interest rate products	(25)	(28)	(66)
Deferred income taxes	(4,450)	9,423	(3,621)
Changes in
Interest receivable	(1,110)	(463)	(535)
Prepaid expenses and other assets	3,002	(5,227)	12,655
Accrued expenses and other liabilities	280	1,821	(2,720)
Income taxes refundable/payable	11,520	(15,278)	7,484
Net cash provided by operating activities	94,195	62,817	80,639
Investing Activities
Redemption (purchase) of Federal Home Loan Bank stock	(1,256)	1,852	2,269
Net change in loans	(147,945)	136,596	(145,101)
Purchase of loans	(128,038)	(133,018)	(145,600)
Proceeds from sale of student loans	0	0	368
Cash received from purchase of additional business units	0	0	44,363
Cash received from FDIC loss sharing reimbursements	0	16,246	247
Cash paid for sale of business units	(50,356)	0	(17,821)
Purchase of premises and equipment	(9,317)	(7,404)	(10,878)
Proceeds from sale of premises and equipment	2,328	565	1,178
Proceeds from sale of other real estate and repossessions	20,426	33,640	28,362
Capitalized costs on other real estate owned	(153)	(117)	(146)
Proceeds from maturities, calls and repayments of held-to-maturity securities	130	117	106
Proceeds from sale of available-for-sale securities	502	0	55,000
Proceeds from maturities, calls and repayments of available-for-sale securities	25,734	36,754	60,827
Purchase of available-for-sale securities	(93,378)	(3,852)	(71,904)
Net cash provided by (used in) investing activities	(381,323)	81,379	(198,730)
Financing Activities
Net increase (decrease) in certificates of deposit	242,955	(114,714)	162,763
Net increase (decrease) in checking and savings accounts	(53,956)	34,796	36,126
Proceeds from Federal Home Loan Bank advances	2,621,500	1,420,500	1,793,000
Repayments of Federal Home Loan Bank advances	(2,749,000)	(1,324,435)	(2,025,070)
Net increase (decrease) in short-term borrowings and other interest-bearing liabilities	200,843	(188,888)	168,546
Proceeds from issuance of subordinated notes	0	0	73,472
Advances from (to) borrowers for taxes and insurance	(227)	676	(38)
Purchase of the company's common stock	(903)	0	0
Dividends paid	(15,819)	(12,894)	(12,232)
Stock options exercised	2,224	3,247	2,110
Net cash provided by (used in) financing activities	247,617	(181,712)	198,677
Increase (Decrease) in Cash and Cash Equivalents	(39,511)	(37,516)	80,586
Cash and Cash Equivalents, Beginning of Year	242,253	279,769	199,183
Cash and Cash Equivalents, End of Year	$ 202,742	$ 242,253	$ 279,769

Note 1_ Nature of Operations an

Note 1: Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2018
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 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. 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 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 loans 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 acquired 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 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 covered under loss sharing agreements with the FDIC. These agreements commi t 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 expect 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 measured separately from the loan assets and foreclosed assets because the loss sharing agreements not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increase and decrease as the expected and actual cash flows from the covered assets fluctuate , as loans paid off or impaired and as loans and foreclosed assets sold. There no contractual interest rates on the 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 th receivable be collected over the terms of the loss sharing agreements. This discount accreted to income . These acquisitions and agreements are more fully discussed in Note 4 Other Real Estate Owned and Repossessions 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 related to bank premises and furniture, fixtures and equipment was recorded during the year ended December 31, 2015, due to 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, . 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, 2018 2017 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles Sun Security Bank — 263 InterBank 36 181 Boulevard Bank 275 397 Valley Bank 1,000 1,400 Fifth Third Bank 2,581 3,213 3,892 5,454 $ 9,288 $ 10,850 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 The Company is incorporated in the State of Maryland. 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: 2018 2017 2016 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 67,109 $ 51,564 $ 45,342 Average common shares outstanding 14,132 14,032 13,912 Average common share stock options outstanding 128 148 229 Average diluted common shares 14,260 14,180 14,141 Earnings per common share – basic $ 4.75 $ 3.67 $ 3.26 Earnings per common share – diluted $ 4.71 $ 3.64 $ 3.21 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 2 1 . In accordance with FASB ASC 718, Compensation – Stock Compensation, , 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, 2018 and 2017 , cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2018 , 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 7 . 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, 2018 and 2017 , respectively, was $ 62.6 million and $ 59.1 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 Under ASU 2014-09, for revenue not associated with financial instruments, we apply the following steps when recognizing revenue from contracts with customers: (i) identify the contract, (ii) identify the performance obligations, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations and (v) recognize revenue when performance obligation is satisfied. Our contracts with customers are generally short term in nature, typically due within one year or less or cancellable by us or our customer upon a short notice period. Performance obligations for our customer contracts are generally satisfied at a single point in time, typically when the transaction is complete, or over time. For performance obligations satisfied over time, we primarily use the output method, directly measuring the value of the products/services transferred to the customer, to determine when performance obligations have been satisfied. We typically receive payment from customers and recognize revenue concurrent with the satisfaction of our performance obligations. In most cases, this occurs within a single financial reporting period. For payments received in advance of the satisfaction of performance obligations, revenue recognition is deferred until such time the performance obligations have been satisfied. In cases where we have not received payment despite satisfaction of our performance obligations, we accrue an estimate of the amount due in the period our performance obligations have been satisfied. For contracts with variable components, only amounts for which collection is probable are accrued. We generally act in a principal capacity, on our own behalf, in most of our contracts with customers. In such transactions, we recognize revenue and the related costs to provide our services on a gross basis in our financial statements. In some cases, we act in an agent capacity, deriving revenue through assisting other entities in transactions with our customers. In such transactions, we recognize revenue and the related costs to provide our services on a net basis in our financial statements. These transactions primarily relate to fees derived from our customers' use of various interchange and ATM/debit card networks. 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) Codification Improvements to Topic 842, Leases 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) In May 2017, the FASB issued ASU 2017-09, Compensation --Stock Compensation (Topic 718): Scope of Modification Accounting amendment provides guidance on determining which changes to the terms and conditions of share-based payment awards require an entity to apply modification accounting under Topic 7l8. The amendments clarify that modification accounting only applies to an entity if the fair value, vesting conditions, or classification of the award changes as a result of changes in the terms or conditions of a share-based payment award. The ASU should be applied prospectively to awards modified on or after the adoption date. In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities In February 2018, the FASB issued ASU 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income (Topic 220). In August 2018, the FASB issued ASU 2018-13 , Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement

Note 2_ Investments in Securiti

Note 2: Investments in Securities	12 Months Ended
	Dec. 31, 2018
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, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 154,557 $ 1,272 $ 2,571 $ 153,258 Agency collateralized mortgage obligations 39,024 250 14 39,260 States and political subdivisions 50,022 1,428 — 51,450 $ 243,603 $ 2,950 $ 2,585 $ 243,968 December 31, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 123,300 $ 871 $ 1,638 $ 122,533 States and political subdivisions 53,930 2,716 — 56,646 $ 177,230 $ 3,587 $ 1,638 $ 179,179 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 rates of interest and $ million had 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 $ 849 $ 919 After five through ten years 9,959 10,139 After ten years 39,214 40,392 Securities not due on a single maturity date 193,581 192,518 $ 243,603 $ 243,968 The amortized cost and fair values of securities classified as held to maturity were as follows : December 31, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 130 $ 1 $ — $ 131 The amortized cost and fair values of securities pledged as collateral was as follows at December 31, 201 and 201 : 2018 2017 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 9,482 $ 9,802 $ 10,958 $ 11,490 Collateralized borrowing accounts 148,050 146,337 120,622 119,776 Other 763 761 1,579 1,601 $ 158,295 $ 156,900 $ 133,159 $ 132,867 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 : 2018 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) Agency mortgage-backed securities $ 11,255 $ (82) $ 74,186 $ (2,489) $ 85,441 $ (2,571) Agency collateralized mortgage obligations 9,725 (14) — — 9,725 (14) States and political subdivisions 511 — — — 511 — $ 21,491 $ (96 $ 74,186 $ (2,489 $ 95,677 $ (2,585 2017 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) Agency mortgage-backed securities $ 33,862 $ (384) $ 55,845 $ (1,254) $ 89,707 $ (1,638) States and political subdivisions — — — — — — $ 33,862 $ (384 $ 55,845 $ (1,254) $ 89,707 $ (1,638 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 During 2018, 2017 and 2016, 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, 2018
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: 2018 2017 (In Thousands) One- to four-family residential construction $ 26,177 $ 20,793 Subdivision construction 13,844 18,062 Land development 44,492 43,971 Commercial construction 1,417,166 1,068,352 Owner occupied one- to four-family residential 276,866 190,515 Non-owner occupied one- to four-family residential 122,438 119,468 Commercial real estate 1,371,435 1,235,329 Other residential 784,894 745,645 Commercial business 322,118 353,351 Industrial revenue bonds 13,940 21,859 Consumer auto 253,528 357,142 Consumer other 57,350 63,368 Home equity lines of credit 121,352 115,439 Loans acquired and accounted for under ASC 310-30, net of discounts 167,651 209,669 4,993,251 4,562,963 Undisbursed portion of loans in process (958,441) (793,669) Allowance for loan losses (38,409) (36,492) Deferred loan fees and gains, net (7,400 (6,500 $ 3,989,001 $ 3,726,302 Classes of loans by aging were as follows: December 31, 2018 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 $ — $ — $ — $ — $ 26,177 $ 26,177 $ — Subdivision construction — — — — 13,844 13,844 — Land development 13 — 49 62 44,430 44,492 — Commercial construction — — — — 1,417,166 1,417,166 — Owner occupied one- to four- family residential 1,431 806 1,206 3,443 273,423 276,866 — Non-owner occupied one- to four-family residential 1,142 144 1,458 2,744 119,694 122,438 — Commercial real estate 3,940 53 334 4,327 1,367,108 1,371,435 — Other residential — — — — 784,894 784,894 — Commercial business 72 54 1,437 1,563 320,555 322,118 — Industrial revenue bonds 3 — — 3 13,937 13,940 — Consumer auto 2,596 722 1,490 4,808 248,720 253,528 — Consumer other 691 181 240 1,112 56,238 57,350 — Home equity lines of credit 229 — 86 315 121,037 121,352 — Loans acquired and accounted for under ASC 310-30, net of discounts 2,195 1,416 6,827 10,438 157,213 167,651 — Total $ 10,117 $ 1,960 $ 6,300 $ 18,377 $ 4,807,223 $ 4,825,600 $ — December 31, 2017 Total Loans Total > 90 Days 30-59 Days 60-89 Days Over 90 Total Past Loans Past Due and Past Due Past Due Days Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ 250 $ — $ — $ 250 $ 20,543 $ 20,793 $ — Subdivision construction — — 98 98 17,964 18,062 — Land development 54 37 — 91 43,880 43,971 — Commercial construction — — — — 1,068,352 1,068,352 — Owner occupied one- to four- family residential 1,927 71 904 2,902 187,613 190,515 — Non-owner occupied one- to four-family residential 947 190 1,816 2,953 116,515 119,468 58 Commercial real estate 8,346 993 1,226 10,565 1,224,764 1,235,329 — Other residential 540 353 1,877 2,770 742,875 745,645 — Commercial business 2,623 1,282 2,063 5,968 347,383 353,351 — Industrial revenue bonds — — — — 21,859 21,859 — Consumer auto 5,196 1,230 2,284 8,710 348,432 357,142 12 Consumer other 464 64 557 1,085 62,283 63,368 — Home equity lines of credit 58 — 430 488 114,951 115,439 26 Loans acquired and accounted for under ASC 310-30, net of discounts 4,449 1,951 10,675 17,075 192,594 209,669 272 Total $ 20,405 $ 4,220 $ 11,255 $ 35,880 $ 4,317,414 $ 4,353,294 $ 96 Nonaccruing loans are summarized as follows: December 31, 2018 2017 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction 49 98 Land development — — Commercial construction — — Owner occupied one- to four-family residential 1,206 904 Non-owner occupied one- to four-family residential 1,458 1,758 Commercial real estate 334 1,226 Other residential 1,877 Commercial business 1,437 2,063 Industrial revenue bonds — — Consumer auto 1,490 2,272 Consumer other 240 557 Home equity lines of credit 86 404 Total $ 6,300 $ 11,159 The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2018, 2017 and 2016, 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, 2018, 2017, and 2016, respectively: December 31, 2018 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, 2018 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Provision (benefit) charged to expense 742 1,982 1,094 1,031 (1,613) 3,914 7,150 Losses charged off (62) (525) (102) (87) (1,155) (9,425) (11,356) Recoveries 334 417 172 394 755 4,051 6,123 Balance,December 31, 2018 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Ending balance: Individually evaluated for impairment $ 694 $ — $ 613 $ — $ 309 $ 425 $ 2,041 Collectively evaluated for impairment $ 2,392 $ 4,681 $ 18,958 $ 3,029 $ 1,247 $ 5,640 $ 35,947 Loans acquired and accounted for under ASC 310-30 $ 36 $ 32 $ 232 $ 76 $ 12 $ 33 $ 421 Loans Individually evaluated for impairment $ 6,116 $ — $ 3,501 $ 14 $ 1,844 $ 2,464 $ 13,939 Collectively evaluated for impairment $ 433,209 $ 784,894 $ 1,367,934 $ 1,461,644 $ 334,214 $ 429,766 $ 4,811,661 Loans acquired and accounted for under ASC 310-30 $ 93,841 $ 12,790 $ 33,620 $ 4,093 $ 4,347 $ 18,960 $ 167,651 December 31, 2017 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, 2017 $ 2,322 $ 5,486 $ 15,938 $ 2,284 $ 3,015 $ 8,355 $ 37,400 Provision (benefit) charged to expense (158) (2,356) 4,234 (643) 1,475 6,548 9,100 Losses charged off (165) (488) (1,656) (420) (1,489) (11,859) (16,077) Recoveries 109 197 123 546 580 4,514 6,069 Balance, December 31, 2017 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Ending balance: Individually evaluated for impairment $ 513 $ — $ 599 $ — $ 2,140 $ 699 $ 3,951 Collectively evaluated for impairment $ 1,564 $ 2,813 $ 17,843 $ 1,690 $ 1,369 $ 6,802 $ 32,081 Loans acquired and accounted for under ASC 310-30 $ 31 $ 26 $ 197 $ 77 $ 72 $ 57 $ 460 Loans Individually evaluated for impairment $ 6,950 $ 2,907 $ 8,315 $ 15 $ 3,018 $ 4,129 $ 25,334 Collectively evaluated for impairment $ 341,888 $ 742,738 $ 1,227,014 $ 1,112,308 $ 372,192 $ 531,820 $ 4,327,960 Loans acquired and accounted for under ASC 310-30 $ 120,295 $ 14,877 $ 39,210 $ 3,806 $ 5,275 $ 26,206 $ 209,669 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 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, 2018 and 2017, was 5.16% and 4.74%, respectively. Loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balance of loans serviced for others at December 31, 2018, was $260.2 million, consisting of $181.5 million of commercial loan participations sold to other financial institutions and $78.7 million of residential mortgage loans sold. The unpaid principal balance of loans serviced for others at December 31, 2017, was $254.0 million, consisting of $164.8 million of commercial loan participations sold to other financial institutions and $89.2 million of residential mortgage loans sold. In addition, available lines of credit on these loans were $121.0 million and $37.8 million at December 31, 2018 and 2017, 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, 2018, 2017 and 2016: Year Ended December 31, 2018 December 31, 2018 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 318 318 105 321 17 Land development 14 18 — 14 1 Commercial construction — — — — — Owner occupied one- to four-family residential 3,576 3,926 285 3,406 197 Non-owner occupied one- to four-family residential 2,222 2,519 304 2,870 158 Commercial real estate 3,501 3,665 613 6,216 337 Other residential — — — 1,026 20 Commercial business 1,844 2,207 309 2,932 362 Industrial revenue bonds — — — — — Consumer auto 1,874 2,114 336 2,069 167 Consumer other 479 684 72 738 59 Home equity lines of credit 111 128 17 412 28 Total $ 13,939 $ 15,579 $ 2,041 $ 20,004 $ 1,346 Year Ended December 31, 2017 December 31, 2017 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ 193 $ — Subdivision construction 349 367 114 584 22 Land development 15 18 — 1,793 24 Commercial construction — — — — — Owner occupied one- to four-family residential 3,405 3,723 331 3,405 166 Non-owner occupied one- to four-family residential 3,196 3,465 68 2,419 165 Commercial real estate 8,315 8,490 599 9,075 567 Other residential 2,907 2,907 — 3,553 147 Commercial business 3,018 4,222 2,140 5,384 173 Industrial revenue bonds — — — — — Consumer auto 2,713 2,898 484 2,383 222 Consumer other 825 917 124 906 69 Home equity lines of credit 591 648 91 498 33 Total $ 25,334 $ 27,655 $ 3,951 $ 30,193 $ 1,588 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 3,555 374 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 1,295 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 At December 31, 2018, $8.4 million of impaired loans had specific valuation allowances totaling $2.0 million. At December 31, 2017, $12.7 million of impaired loans had specific valuation allowances totaling $4.0 million. At December 31, 2016, $18.1 million of impaired loans had specific valuation allowances totaling $6.4 million. For impaired loans which were nonaccruing, interest of approximately $1.0 million, $1.2 million and $1.5 million would have been recognized on an accrual basis during the years ended December 31, 2018, 2017 and 2016, 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 by type of modification: 2018 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ 1,348 $ — $ — $ 1,348 Construction and land development — 31 — 31 Commercial — — 106 106 Consumer — 535 — 535 $ 1,348 $ 566 $ 106 $ 2,020 2017 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Commercial $ — $ — $ 5,759 $ 5,759 Commercial business — 16 274 290 Consumer — 245 — 245 $ — $ 261 $ 6,033 $ 6,294 At December 31, 2018, the Company had $6.9 million of loans that were modified in troubled debt restructurings and impaired, as follows: $283 ,000 of construction and land development loans, $3.9 million of single family residential mortgage loans, $1.3 million of commercial real estate loans, $548 ,000 of commercial business loans and $803 ,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2018, $4.7 million were accruing interest and $2.5 million were classified as substandard using the Company’s internal grading system which is described below. The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2018. 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, 2017, the Company had $15.0 million of loans that were modified in troubled debt restructurings and impaired, as follows: $266 ,000 of construction and land development loans, $6.2 million of single family and multi-family residential mortgage loans, $7.1 million of commercial real estate loans, $867 ,000 of commercial business loans and $617 ,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2017, $12.3 million were accruing interest and $8.8 million were classified as substandard using the Company’s internal grading system. During the year ended December 31, 2018, borrowers with loans designated as troubled debt restructurings totaling $87 ,000, all of which consisted of consumer loans, met the criteria for placement back on accrual status. This criteria is generally a minimum of six months of consistent and timely payment performance under original or modified terms. The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” 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. 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. 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. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-assisted acquired loans are evaluated using this internal grading system. These loans are accounted for in pools. Minimal adverse classification in these acquired loan pools was identified as of December 31, 2018 and 2017, respectively. See Note 4 The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis. The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, average life of the loans, 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 the Company’s allowance for loan losses. No 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, 2018 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 25,803 $ 374 $ — $ — $ — $ 26,177 Subdivision construction 12,077 1,718 — 49 — 13,844 Land development 39,892 4,600 — — — 44,492 Commercial construction 1,417,166 — — — — 1,417,166 Owner occupied one- to-four- family residential 274,661 43 — 2,162 — 276,866 Non-owner occupied one- to- four-family residential 119,951 941 — 1,546 — 122,438 Commercial real estate 1,357,987 11,061 — 2,387 — 1,371,435 Other residential 784,393 501 — — — 784,894 Commercial business 315,518 5,163 — 1,437 — 322,118 Industrial revenue bonds 13,940 — — — — 13,940 Consumer auto 251,824 116 — 1,588 — 253,528 Consumer other 56,859 157 — 334 — 57,350 Home equity lines of credit 121,134 118 — 100 — 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 167,632 — — 19 — 167,651 Total $ 4,958,837 $ 24,792 $ — $ 9,622 $ — $ 4,993,251 December 31, 2017 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 20,275 $ 518 $ — $ — $ — $ 20,793 Subdivision construction 15,602 2,362 — 98 — 18,062 Land development 39,171 4,800 — — — 43,971 Commercial construction 1,068,352 — — — — 1,068,352 Owner occupied one- to-four- family residential 188,706 — — 1,809 — 190,515 Non-owner occupied one- to- four-family residential 117,103 389 — 1,976 — 119,468 Commercial real estate 1,218,431 9,909 — 6,989 — 1,235,329 Other residential 742,237 1,532 — 1,876 — 745,645 Commercial business 344,479 6,306 — 2,066 500 353,351 Industrial revenue bonds 21,859 — — — — 21,859 Consumer auto 354,588 — — 2,554 — 357,142 Consumer other 62,682 — — 686 — 63,368 Home equity lines of credit 114,860 — — 579 — 115,439 Loans acquired and accounted for under ASC 310-30, net of discounts 209,657 — — 12 — 209,669 Total $ 4,518,002 $ 25,816 $ — $ 18,645 $ 500 $ 4,562,963 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: 2018 2017 (In Thousands) Balance, beginning of year $ 40,041 $ 24,793 New loans 17,141 19,734 Payments (28,165 (4,486 Balance, end of year $ 29,017 $ 40,041

Note 4_ Acquired Loans, Loss Sh

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets	12 Months Ended
	Dec. 31, 2018
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. 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. 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 were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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. 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 were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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 June 9, 2017, 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 premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2018, 2017 and 2016 was $175,000, $269,000 and $359,000, 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2018, 2017 and 2016 was $11,000, $217,000 and $491,000, respectively. Loss Sharing Agreements On April 26, 2016, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for Team Bank, 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 termination agreement, assets that were covered by the terminated loss sharing agreements were reclassified as non-covered assets effective April 26, 2016. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. On June 9, 2017, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for InterBank, effective immediately. Pursuant to the termination agreement, the FDIC paid $15.0 million to the Bank to settle all outstanding items related to the terminated loss sharing agreements. The Company recorded a pre-tax gain on the termination of $7.7 million. As a result of entering into the termination agreement, assets that were covered by the terminated loss sharing arrangements were reclassified as non-covered assets effective June 9, 2017. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. The termination of the loss sharing agreements for the TeamBank, Vantus Bank, Sun Security Bank and InterBank transactions has 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 are 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 , 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, , to the indemnification assets (which reduced to $-0- due to the termination of the loss sharing agreements). The amounts of these adjustments were as follows: Year Ended December 31, 2018 2017 2016 (In Thousands) Increase in accretable yield due to increased cash flow expectations $ 5,202 $ 1,333 $ 10,598 Decrease in FDIC indemnification asset as a result of accretable yield increase — — (2,744) The adjustments, along with those made in previous years, impacted the Company’s Consolidated Statements of Income as follows: Year Ended December 31, 2018 2017 2016 (In Thousands) Interest income $ 5,134 $ 5,014 $ 16,393 Noninterest income — (634 (7,033 Net impact to pre-tax income $ 5,134 $ 4,380 $ 9,360 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. This resulted in increased income that spread on a level-yield basis over the remaining expected lives of the loan pools (and, therefore, has decreased over time). ncreases in expected cash flows also reduced the amount of expected reimbursements under the loss sharing agreements with the FDIC ( such agreement in place), which were recorded as indemnification assets. Therefore, the expected indemnification assets had also been reduced, 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 shorter. Additional estimated cash flows totaling approximately $ million were recorded in the year ended December 31, 201 related to these loan pools, with corresponding reduction in expected reimbursement from the FDIC 2017. Because these adjustments will be recognized over the remaining lives of the loan pools, they will impact future periods as well. he remaining accretable yield adjustment that will affect interest income $ million. Of the remaining adjustments , we expect to recognize $ million of interest income during . Additional adjustments may be recorded in future periods from the FDIC-assisted , as the Company continues to estimate expected cash flows from the acquired loan pools. As there is no longer, nor will there be in the future, indemnification asset amortization related to TeamBank, Vantus Bank, Sun Security Bank or InterBank due to the termination or expiration of the related loss sharing agreements for those transactions, there is no remaining indemnification asset or related adjustments that will affect non-interest income (expense). TeamBank Loans and Foreclosed Assets. The following tables present the balances of the related to the TeamBank transaction at December 31, and . ross loan balances (due from 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, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 10,602 $ — Reclassification from nonaccretable discount to accretable discount due to change in (399) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (10,106 — Expected loss remaining $ 97 $ — December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 13,668 $ 35 Reclassification from nonaccretable discount to accretable discount due to change in (589) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (12,948 (35) Expected loss remaining $ 131 $ — Vantus Bank Loans and Foreclosed Assets December 31, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 14,097 $ — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (58) — Original estimated fair value of assets, net of activity since acquisition date (13,809 — Expected loss remaining $ 230 $ — December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 18,965 $ 15 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (131) — Original estimated fair value of assets, net of activity since acquisition date (18,605 (15 Expected loss remaining $ 229 $ — Sun Security Bank Loans and Foreclosed Assets. The following tables present the balances of the loans asset related to the Sun Security Bank transaction at December 31, and . ross loan balances (due from 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, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 21,171 $ 91 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (342) — Original estimated fair value of assets, net of activity since acquisition date (20,171 (61 Expected loss remaining $ 658 $ 30 December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 26,787 $ 306 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (494) — Original estimated fair value of assets, net of activity since acquisition date (25,348 (299 Expected loss remaining $ 945 $ 7 InterBank Loans and Foreclosed Assets. The following tables present the balances of the loans related to the InterBank transaction at December 31, and . ross loan balances (due from 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, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 85,106 $ 121 Noncredit premium/(discount), net of activity since acquisition date 99 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,695) — Original estimated fair value of assets, net of activity since acquisition date (74,436 (106 Expected loss remaining $ 9,074 $ 15 December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 112,399 $ 2,012 Noncredit premium/(discount), net of activity since acquisition date 274 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (972) — Original estimated fair value of assets, net of activity since acquisition date (98,321 (1,785 Expected loss remaining $ 13,380 $ 227 Valley Bank Loans and Foreclosed Assets. The following tables present the balances of the loans and to the Valley Bank transaction at December 31, ross loan balances (due from 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. 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, 2018 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 53,470 $ 1,233 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (169) — Original estimated fair value of assets, net of activity since acquisition date (49,124 (1,233 Expected loss remaining $ 4,177 $ — December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 59,997 $ 1,673 Noncredit premium/(discount), net of activity since acquisition date 11 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (411) — Original estimated fair value of assets, net of activity since acquisition date (54,442 (1,667 Expected loss remaining $ 5,155 $ 6 Changes in the accretable yield for acquired loan pools were as follows for the years ended December 31, , and : Sun TeamBank Vantus Bank Security Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2016 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 Accretion (1,563) (1,373) (2,251) (7,505) (5,823) Reclassification from nonaccretable difference(1) 1,157 676 875 4,067 3,721 Balance, December 31, 2017 2,071 1,850 2,901 5,074 2,695 Accretion (1,042) (1,196) (1,667) (8,349) (3,892) Reclassification from nonaccretable difference(1) 327 778 1,008 8,269 4,260 Balance, December 31, 2018 $ 1,356 $ 1,432 $ 2,242 $ 4,994 $ 3,063 (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, 2018, totaling $312,000, $778,000, $756,000, $4.1 million and $3.5 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2017, totaling $1.1 million, $663,000, $850,000, $3.5 million and $3.0 million, respectively; and 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.

Note 5_ Other Real Estate Owned

Note 5: Other Real Estate Owned	12 Months Ended
	Dec. 31, 2018
Notes
Note 5: Other Real Estate Owned	Note 5: Other Real Estate Owned and Repossessions Major classifications of at December 31, and , were as follows: 2018 2017 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ $ Subdivision construction 1,092 5,413 Land development 3,191 7,229 Commercial construction One- to four-family residential 269 112 Other residential 140 Commercial real estate 1,694 Commercial business Consumer 928 1,987 5,480 16,575 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 167 2,133 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 1,234 1,666 Foreclosed assets held for sale and repossessions, net 6,881 20,374 Other real estate owned not acquired through foreclosure 1,559 1,628 Other real estate owned and repossessions $ 8,440 $ 22,002 At , 201 , other real estate owned not acquired through foreclosure include properties, of which were branch locations that closed and are held for sale, and one of which is land acquired for a potential branch location. During the ended 3 , 201 , former branch location sold at a of $ ,000, which is included in the gain on sales of other real estate owned amount in the table below. At , 2017, other real estate owned not acquired through foreclosure include properties, of which were branch locations that closed and are held for sale, and one of which is land acquired for a potential branch location. During the ended 3 , 2017, former branch locations were sold at an aggregate gain of $ ,000, which is included in the gain on sales of other real estate owned amount in the table below. At , , residential mortgage loans totaling $ million were in the process of foreclosure, $ million of which were acquired loans. Of the $ million of acquired loans, $ and $ ,000 were acquired in the Valley Bank transaction. At , , residential mortgage loans totaling $ million were in the process of foreclosure, $ million of which were acquired loans. Of the $ million of acquired loans, $ and $ ,000 were acquired in the Valley Bank transaction. Expenses applicable to for the years ended December 31, , and , included the following: 2018 2017 2016 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (2,522) $ (2,212) $ (68) Valuation write-downs 3,897 1,585 431 Operating expenses, net of rental income 3,544 4,556 3,748 $ 4,919 $ 3,929 $ 4,111

Note 6_ Premises and Equipment

Note 6: Premises and Equipment	12 Months Ended
	Dec. 31, 2018
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: 2018 2017 (In Thousands) Land $ 40,508 $ 42,312 Buildings and improvements 95,039 97,464 Furniture, fixtures and equipment 54,327 53,841 189,874 193,617 Less accumulated depreciation 57,450 55,599 $ 132,424 $ 138,018

Note 7_ Investments in Limited

Note 7: Investments in Limited Partnerships	12 Months Ended
	Dec. 31, 2018
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 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 investment, with a net carrying value of $ . At December 31, , the Company had investments, with a net carrying value of $ 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 were $ as of December 31, . Amortization of the investments in partnerships is expected to be approximately . The Company’s usage of federal New Market Tax Credits approximated $ , $ million and $ million during , and , respectively. Investment amortization amounted to $ , $ 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, 2018
Notes
Note 8: Deposits	Note 8: Deposits Deposits at December 31, and , are summarized as follows: Weighted Average Interest Rate 2018 2017 (In Thousands, Except Interest Rates) Noninterest-bearing accounts — $ 661,061 $ 661,589 Interest-bearing checking and savings accounts 0.46% - 0.32% 1,472,535 1,565,711 2,133,596 2,227,300 Certificate accounts 0% - 0.99% 150,656 254,502 1% - 1.99% 511,873 1,006,373 2% - 2.99% 857,973 106,888 3% - 3.99% 69,793 701 4% - 4.99% 1,116 1,108 5% and above — 272 1,591,411 1,369,844 $ 3,725,007 $ 3,597,144 The weighted average interest rate on certificates of deposit was % and % 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) 2019 $ 928,900 $ 286,922 $ 1,215,822 2020 219,704 40,000 259,704 2021 73,724 — 73,724 2022 26,012 — 26,012 2023 14,705 — 14,705 Thereafter 1,444 — 1,444 $ 1,264,489 $ 326,922 $ 1,591,411 A summary of interest expense on deposits for the years ended December 31, 201 , 201 and 201 , is as follows: 2018 2017 2016 (In Thousands) Checking and savings accounts $ 5,982 $ 4,699 $ 3,888 Certificate accounts 22,149 16,009 13,598 Early withdrawal penalties (174 (113 (99 $ 27,957 $ 20,595 $ 17,387

Note 9_ Advances From Federal H

Note 9: Advances From Federal Home Loan Bank	12 Months Ended
	Dec. 31, 2018
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, 2018 December 31, 2017 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) 2019 $ — —% $ 127,500 1.53% 2020 — — — — 2021 — — — — 2022 — — — — 2023 — — — — 2024 and thereafter — — — — $ — — $ 127,500 1.53 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, 2018
Notes
Note 10: Short-Term Borrowings	Note 10: Short-Term Borrowings Short-term borrowings at December 31, 201 and 201 , are summarized as follows: 2018 2017 (In Thousands) Notes payable – Community Development Equity Funds $ 1,625 $ 1,604 Other interest-bearing liabilities 13,100 Overnight borrowings from the Federal Home Loan Bank 178,000 15,000 Securities sold under reverse repurchase agreements 105,253 80,531 $ 297,978 $ 97,135 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. At December 31, 2018, other interest-bearing liabilities consist of cash collateral held by the Company to satisfy minimum collateral posting thresholds with its derivative dealer counterparties termination value of derivatives in a net asset position Short-term borrowings had weighted average interest rates of % and 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 2018 2017 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 105,253 $ 80,531

Note 11_ Federal Reserve Bank B

Note 11: Federal Reserve Bank Borrowings	12 Months Ended
	Dec. 31, 2018
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_ Subordinated Debenture

Note 12: Subordinated Debentures Issued to Capital Trusts	12 Months Ended
	Dec. 31, 2018
Notes
Note 12: Subordinated Debentures Issued to Capital Trusts	Note 12: 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 redeemable at the Company’s option 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 % at December 31, 201 and 201 , respectively. At December 31, 201 and 201 , subordinated debentures issued to capital trusts are summarized as follows: 2018 2017 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Note 13_ Subordinated Notes

Note 13: Subordinated Notes	12 Months Ended
	Dec. 31, 2018
Notes
Note 13: Subordinated Notes	Note 13: Subordinated Notes On August 8, 2016, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes 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 notes at par beginning on August 15, 2021, and on any scheduled interest payment date thereafter. The notes 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 notes, which is 10 years. Amortization of the debt issuance costs during the years ended December 31, 2018 and 2017, totaled $154 ,000 and $151 ,000, respectively, and is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.47%. At December 31, 2018 and, 2017, subordinated notes are summarized as follows: 2018 2017 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 1,158 1,312 $ 73,842 $ 73,688

Note 14_ Income Taxes

Note 14: Income Taxes	12 Months Ended
	Dec. 31, 2018
Notes
Note 14: Income Taxes	Note 14: Income Taxes The Company files a consolidated federal income tax return. As of December 31, 201 and 201 , retained earnings included approximately $17.5 million for which no deferred income tax liability had been recognized. This amount represents an allocation of income to bad debt deductions for tax purposes only for tax years prior to 1988. If the Bank were to liquidate, the entire amount would have to be recaptured and would create income for tax purposes only, which would be subject to the then-current corporate income tax rate. The unrecorded deferred income tax liability on the above amount was approximately December 31, 201 and 201 . During the years ended December 31, 201 , 201 and 201 the provision for income taxes included these components: 2018 2017 2016 (In Thousands) Taxes currently payable $ 19,291 $ 9,335 $ 20,137 Deferred income taxes (4,450) 11,528 Adjustment of deferred tax asset or liability for enacted changes in tax laws — (2,105) — Income taxes $ 14,841 $ 18,758 $ 16,516 The tax effects of temporary differences related to deferred taxes shown on the statements of financial condition were: December 31, 2018 2017 (In Thousands) Deferred tax assets Allowance for loan losses $ 8,758 $ 8,154 Tax credit carryforward 5,816 Interest on nonperforming loans 320 288 Accrued expenses 726 684 Write-down of foreclosed assets 600 1,694 Write-down of fixed assets 191 207 Difference in basis for acquired assets and liabilities 4,031 4,725 14,626 21,568 Deferred tax liabilities Tax depreciation in excess of book depreciation (5,409) (4,483) FHLB stock dividends (798) (356) Partnership tax credits (404) (706) Prepaid expenses (569) (775) Unrealized gain on available-for-sale securities (83) (435) Book revenue in excess of tax revenue Unrealized gain on cash flow derivatives (2,761) Other (113 (190 (10,137 (19,122 Net deferred tax asset $ 4,489 $ 2,446 Reconciliations of the Company’s effective tax rates from continuing operations to the statutory corporate tax rates were as follows: 2018 2017 2016 Tax at statutory rate 21.0% 35.0% 35.0% Nontaxable interest and dividends (0.8) (1.6) (2.1) Tax credits (3.4) (6.1) (7.3) State taxes 1.1 1.1 1.1 Initial impact of enactment of 2017 Tax Act (0.4) Other 0.2 (1.3 0.0 18.1 26.7 26.7 The Tax Cuts and Jobs Act (“Tax Act”) was signed into law on December 22, 2017, making several changes to U. S. corporate income tax laws, including reducing the corporate Federal income tax rate from 35% to 21% effective for tax years beginning on or after January 1, 2018. U. S. GAAP requires that the impact of the provisions of the Tax Act be accounted for in the period of enactment. The Company recognized the income tax effects of the Tax Act in its 2017 financial statements. The Tax Act is complex and required significant detailed analysis. During the preparation of the Company’s 2017 income tax returns in 2018, no additional adjustments related to enactment of the Tax Act were identified. 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 which have been 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 these partnerships advanced during 2016, 2017, and 2018. 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 examination was recently completed by the IRS with no change impacting the Company’s tax positions. The Company does not currently expect significant adjustments to its financial statements from the partnership matter at the Tax Court. The Company is currently under State of Missouri income and franchise tax examinations for its 2014 through 2015 tax years. The Company does not currently expect significant adjustments to its financial statements from this state examination.

Note 15_ Disclosures About Fair

Note 15: Disclosures About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2018
Notes
Note 15: Disclosures About Fair Value of Financial Instruments	Note 15: Disclosures About Fair Value of Financial Instruments ASC Topic 820, Fair Value Measurements · · · 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, 2018 and 2017: 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, 2018 Agency mortgage-backed securities $ 153,258 $ — $ 153,258 $ — Agency collateralized mortgage obligations 39,260 — 39,260 — States and political subdivisions 51,450 — 51,450 — Interest rate derivative asset 12,800 — 12,800 — Interest rate derivative liability (716) — (716) — December 31, 2017 Agency mortgage-backed securities $ 122,533 $ — $ 122,533 $ — States and political subdivisions 56,646 — 56,646 — Interest rate derivative asset 981 — 981 — Interest rate derivative liability (1,030) — (1,030) — 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 . 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 December 31, 201 201 . 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, 2018 Impaired loans $ 2,805 $ — $ — $ 2,805 Foreclosed assets held for sale $ 1,776 $ — $ — $ 1,776 December 31, 2017 Impaired loans $ 1,590 $ — $ — $ 1,590 Foreclosed assets held for sale $ 1,758 $ — $ — $ 1,758 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 . 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 prior to the date of review. These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained. Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%. The policy described above is the same for all types of collateral dependent impaired loans. 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. 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 For 2018, the fair value of loans is estimated on an exit price basis incorporating contractual cash flow, prepayments discount spreads, credit loss and liquidity premiums. For 201 , he 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., their carrying amounts. For 2018, the fair value of fixed maturity certificates of deposit is estimated using a discounted cash flow calculation using the average advances yield curve from 11 districts of the FHLB for the as of date. For 2017, the discounted cash flow calculation applied the rates currently offered for deposits of similar remaining maturities. The carrying amount of accrued interest payable approximates its fair value. 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 independent sources and are derived from quoted market prices of the Company’s subordinated notes and quoted market prices of other subordinated debt instruments with similar characteristics. 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, 2018 December 31, 2017 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (Dollars in Thousands) Financial assets Cash and cash equivalents $ 202,742 $ 202,742 1 $ 242,253 $ 242,253 1 Held-to-maturity securities — — 2 130 131 2 Mortgage loans held for sale 1,650 1,650 2 8,203 8,203 2 Loans, net of allowance for loan losses 3,989,001 3,955,786 3 3,726,302 3,735,216 3 Accrued interest receivable 13,448 13,448 3 12,338 12,338 3 Investment in FHLB stock 12,438 12,438 3 11,182 11,182 3 Financial liabilities Deposits 3,738,107 3,730,999 3 3,597,144 3,606,400 3 FHLB advances — — 3 127,500 127,500 3 Short-term borrowings 297,978 297,978 3 97,135 97,135 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 73,842 75,188 2 73,688 76,500 2 Accrued interest payable 3,570 3,570 3 2,904 2,904 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 146 146 3 85 85 3 Lines of credit — — 3 — — 3

Note 16_ Operating Leases

Note 16: Operating Leases	12 Months Ended
	Dec. 31, 2018
Notes
Note 16: Operating Leases	Note 16: Operating Leases The Company has entered into various operating leases at several of its locations. Some of the leases have renewal options. At December 31, 201 , future minimum lease payments were as follows (in thousands): 2019 $ 958 2020 821 2021 648 2022 571 2023 443 Thereafter 837 $ 4,278 Rental expense was $ , $ and $ for the years ended December 31, 201 , 201 and 201 , respectively.

Note 17_ Derivatives and Hedgin

Note 17: Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2018
Notes
Note 17: Derivatives and Hedging Activities	Note 17: Derivatives and Hedging Activities Risk Management Objective of Using Derivatives The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities. In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management. The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship. Nondesignated Hedges The Company has interest rate swaps that are not designated in qualifying hedging relationship. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps. Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty. Five of the seven acquired loans with interest rate swaps have paid off. The notional amount of the two remaining Valley swaps was $ ,000 at 3 , 2018. At 3 , 2018, excluding the Valley Bank swaps, the Company had 1 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. In addition, the Company has three participation loans purchased totaling $31. million, in which the lead institution has an interest rate swap with their customer and the economics of the counterparty swap are passed along to us through the loan participation 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, the Company recognized net of $ ,000 and $ ,000, respectively, in noninterest income related to changes in the fair value of these swaps. Cash Flow Hedges Interest Rate Swap. Interest Rate Cap. 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 2018 2017 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ 12,106 $ — Total derivatives designated as hedging instruments $ 12,106 $ — Derivatives not designated as hedging instruments Derivative Assets Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 694 $ 981 Total derivatives not designated as hedging instruments $ 694 $ 981 Derivative Liabilities Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 716 $ 1,030 Total derivatives not designated as hedging instruments $ 716 $ 1,030 The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income: Year Ended December 31 Cash Flow Hedges Amount of Gain (Loss) Recognized in AOCI 2018 2017 2016 (In Thousands) Interest rate swap (2018) and interest rate cap (2017 and 2016), net of income taxes $ 9,345 $ 161 $ 87 The following table presents the effect of cash flow hedge accounting on the statements of operations: Cash Flow Hedges Year Ended December 31 2018 2017 2016 Interest Income Interest Expense Interest Income Interest Expense Interest Income Interest Expense (In Thousands) Interest rate swap (2018) and interest rate cap (2017 and 2016), net of income taxes $ 673 $ — $ — $ 244 $ — $ 225 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, 2018, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $396,000. In addition, as of December 31, 2018, the termination value of derivatives with our derivative dealer counterparty (related to the balance sheet hedge commenced in October 2018) in a net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $12.3 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2018, the Company’s activity with certain of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparties had posted collateral of $704,000 to the Company to satisfy the loan level agreements and collateral of $12.8 million to the Company to satisfy the balance sheet hedge. As of December 31, 2017, 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 $336,000. At December 31, 2017, the Company’s activity with its derivative counterparties met the level at which the minimum collateral posting thresholds take effect and the Company posted $809,000 of collateral to satisfy the agreements. If the Company had breached any of these provisions at December 31, 2018 or December 31, 2017, it could have been required to settle its obligations under the agreements at the termination value.

Note 18_ Commitments and Credit

Note 18: Commitments and Credit Risk	12 Months Ended
	Dec. 31, 2018
Notes
Note 18: Commitments and Credit Risk	Note 18: Commitments and Credit Risk Commitments to Originate Loans Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a significant portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, commercial real estate and residential real estate. At December 31, 201 and 201 , the Bank had outstanding commitments to originate loans and fund commercial construction loans aggregating approximately $ million and $ 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 $ and $ , respectively, of the letters of credit having terms over five years. Of the amount having terms over five years, $ and $ 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 $ and $ million for commercial lines and open-end consumer lines, respectively. At December 31, 2017, 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 19_ Additional Cash Flow I

Note 19: Additional Cash Flow Information	12 Months Ended
	Dec. 31, 2018
Notes
Note 19: Additional Cash Flow Information	Note 19: Additional Cash Flow Information 2018 2017 2016 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $12,044 $23,780 $26,076 Sale and financing of foreclosed assets 2,578 603 3,334 Conversion of premises and equipment to foreclosed assets — — 6,985 Dividends declared but not paid 4,528 3,381 3,073 Additional Cash Payment Information Interest paid 37,091 27,724 20,476 Income taxes paid 2,569 17,563 9,554

Note 20_ Employee Benefits

Note 20: Employee Benefits	12 Months Ended
	Dec. 31, 2018
Notes
Note 20: Employee Benefits	Note 20: Employee Benefits The Company participates in the Pentegra Defined Benefit Plan for Financial Institutions (Pentegra DB Plan), a multiemployer defined benefit pension plan covering all employees who have met minimum service requirements. Effective July 1, 2006, this plan was closed to new participants. Employees already in the plan continue to accrue benefits. The Pentegra DB Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333. The Company’s policy is to fund pension cost accrued. Employer contributions charged to expense for the years ended December 31, , and , were approximately $ , $ 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 21_ Stock Compensation Pla

Note 21: Stock Compensation Plans	12 Months Ended
	Dec. 31, 2018
Notes
Note 21: Stock Compensation Plans	Note 21: Stock Compensation Plans The Company established the 2003 Stock Option and Incentive Plan (the “2003 Plan”) for employees and directors of the Company and its subsidiaries. Under the plan, stock options or other awards could be granted with respect to 598,224 shares of common stock. On May 15, 2013, the Company’s stockholders approved the Great Southern Bancorp, Inc. 2013 Equity Incentive Plan (the “2013 Plan”). Upon the stockholders’ approval of the 2013 Plan, the Company’s 2003 Plan was frozen. As a result, no new stock options or other awards may be granted under the 2003 Plan; however, existing outstanding awards under the 2003 Plan were not affected. At December 31, 2018, 81,023 options were outstanding under the 2003 Plan. The Company established the 2013 Stock Option and Incentive Plan (the “2013 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 700,000 shares of common stock. On May 9, 2018, the Company’s stockholders approved the Great Southern Bancorp, Inc. 2018 Omnibus Incentive Plan (the “2018 Plan”). Upon the stockholders’ approval of the 2018 Plan, the Company’s 2013 Plan was frozen. As a result, no new stock options or other awards may be granted under the 2013 Plan; however, existing outstanding awards under the 2003 Plan were not affected. At December 31, 2018, 507,063 options were outstanding under the 2013 Plan. The 2018 Plan provides for the grant from time to time to directors, emeritus directors, officers, employees and advisory directors of stock options, stock appreciation rights, restricted stock, restricted stock units, performance shares and performance units. The number of shares of Common Stock available for awards under the 2018 Plan is 800,000 (the “2018 Plan Limit”). Shares utilized for awards other than stock options and stock appreciation rights will be counted against the 2018 Plan Limit on a 2.5-to-1 basis. At December 31, 2018, 185,150 options were outstanding under the 2018 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 plans : Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2016 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 Granted from 2013 Plan (157,800) 157,800 52.118 Exercised — (119,692) 27.352 Forfeited from terminated plan(s) — (675) 24.690 Forfeited from current plan(s) 15,837 (15,837) 41.916 Balance, December 31, 2017 77,512 682,799 38.860 Granted from 2013 Plan (1,000) 1,000 52.500 Exercised — (81,940) 27.597 Forfeited from 2013 Plan 13,773 (13,773) 45.692 Termination of 2013 Plan (90,285 — — 588,086 Available to grant from 2018 Plan 800,000 — Granted from 2018 Plan (185,750) 185,750 55.297 Forfeited from current plan(s) 600 (600) 55.000 Balance, December 31, 2018 614,850 773,236 $ 43.886 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 : 2018 2017 2016 Expected dividends per share $1.27 $0.95 $0.88 Risk-free interest rate 2.86% 2.03% 1.27% Expected life of options 5 years 5 years 5 years Expected volatility 17.61% 23.49% 22.08% Weighted average fair value of options granted during year $8.30 $10.04 $6.59 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, 2018 682,799 $38.860 7.38 years Granted 186,750 55.282 Exercised (81,940) 27.597 Forfeited (14,373 46.081 Options outstanding, December 31, 2018 773,236 43.886 7.44 years Options exercisable, December 31, 2018 266,742 32.233 5.15 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 $ $ , 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 $ for the years ended December 31, , and , respectively. The total intrinsic value of options December 31, , and , was $ $ , respectively. The total intrinsic value of options December 31, , and , was $ $ , 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, 2018 441,937 $44.842 $7.981 Granted 186,750 55.282 8.297 Vested this period (107,895) 38.433 6.398 Nonvested options forfeited (14,298 46.057 8.143 Nonvested options, December 31, 2018 506,494 50.023 8.431 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 and 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 $16.810 to 29.640 139,920 3.89 years $25.093 139,920 $25.093 $32.590 to 38.610 97,047 5.87 years 33.038 62,291 32.819 $41.300 to 47.800 111,436 7.80 years 41.357 24,658 41.386 $50.710 to 52.500 239,683 8.11 years 51.608 39,873 50.710 $55.000 to 59.750 185,150 9.88 years 55.298 — — 773,236 7.44 years 43.886 266,742 32.233

Note 22_ Significant Estimates

Note 22: Significant Estimates and Concentrations	12 Months Ended
	Dec. 31, 2018
Notes
Note 22: Significant Estimates and Concentrations	Note 22: Significant Estimates and Concentrations Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the allowance for loan losses are reflected in Note 3 Note 4 Other significant estimates not discussed in those footnotes include valuations of foreclosed assets held for sale. The carrying value of foreclosed assets reflects management’s best estimate of the amount to be realized from the sales of the assets. While the estimate is generally based on a valuation by an independent appraiser or recent sales of similar properties, the amount that the Company realizes from the sales of the assets could differ materially in the near term from the carrying value reflected in these financial statements.

Note 23_ Accumulated Other Comp

Note 23: Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2018
Notes
Note 23: Accumulated Other Comprehensive Income	Note 23: Accumulated Other Comprehensive Income The components of accumulated other comprehensive income (AOCI), included in stockholders’ equity, are as follows: 2018 2017 (In Thousands) Net unrealized gain on available-for-sale securities $ 365 $ 1,949 Net unrealized gain on derivatives used for cash flow hedges 12,106 — 12,471 1,949 Tax effect (2,844 (708 Net-of-tax amount $ 9,627 $ 1,241 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 2018 2017 2016 (In Thousands) Unrealized gains on available-for-sale securities $ 2 $ — $ 2,873 Net realized gains on available-for-sale securities (total reclassified amount before tax) Income taxes — — (1,043 Tax (expense) benefit Total reclassifications out of AOCI $ 2 $ — $ 1,830

Note 24_ Regulatory Matters

Note 24: Regulatory Matters	12 Months Ended
	Dec. 31, 2018
Notes
Note 24: Regulatory Matters	Note 24: Regulatory Matters The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct and material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under . The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below as of December 31, 201 ) of Total and Tier I Capital (as defined) to risk-weighted assets (as defined) of Tier I Capital (as defined) to adjusted tangible assets (as defined) risk-weighted assets (as defined). Management believes, as of December 31, 201 , that the Bank met all capital adequacy requirements to which it was then subject. As of December 31, 201 , the most recent notification from the Bank’s regulators categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized as of December 31, 201 , the Bank must have maintained minimum otal , Tier I Tier 1 everage capital ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Company 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. 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, 2018 Total capital Great Southern Bancorp, Inc. $651,469 14.4% $360,826 8.0% N/A N/A Great Southern Bank $599,509 13.3% $360,767 8.0% $450,959 10.0% Tier I capital Great Southern Bancorp, Inc. $538,060 11.9% $270,619 6.0% N/A N/A Great Southern Bank $561,100 12.4% $270,575 6.0% $360,767 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $538,060 11.7% $184,088 4.0% N/A N/A Great Southern Bank $561,100 12.2% $184,050 4.0% $230,062 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $513,060 11.4% $202,965 4.5% N/A N/A Great Southern Bank $561,100 12.4% $202,931 4.5% $293,123 6.5% As of December 31, 2017 Total capital Great Southern Bancorp, Inc. $597,177 14.1% $339,649 8.0% N/A N/A Great Southern Bank $558,668 13.2% $339,575 8.0% $424,468 10.0% Tier I capital Great Southern Bancorp, Inc. $485,685 11.4% $254,737 6.0% N/A N/A Great Southern Bank $522,176 12.3% $254,681 6.0% $339,575 8.0% Tier I leverage capital Great Southern Bancorp, Inc. $485,685 10.9% $177,881 4.0% N/A N/A Great Southern Bank $522,176 11.7% $177,844 4.0% $222,305 5.0% Common equity Tier I capital Great Southern Bancorp, Inc. $460,661 10.9% $191,053 4.5% N/A N/A Great Southern Bank $522,152 12.3% $191,011 4.5% $275,904 6.5%

Note 25_ Litigation Matters

Note 25: Litigation Matters	12 Months Ended
	Dec. 31, 2018
Notes
Note 25: Litigation Matters	Note 25: Litigation Matters In the normal course of business, the Company and its subsidiaries are subject to pending and threatened legal actions, some of which seek substantial relief or damages. While the ultimate outcome of such legal proceedings cannot be predicted with certainty, after reviewing pending and threatened litigation with counsel, management believes at this time that, except as noted below, the outcome of such litigation will not have a material adverse effect on the Company’s business, financial condition or results of operations.

Note 26_ Summary of Unaudited Q

Note 26: Summary of Unaudited Quarterly Operating Results	12 Months Ended
	Dec. 31, 2018
Notes
Note 26: Summary of Unaudited Quarterly Operating Results	Note 26: Summary of Unaudited Quarterly Operating Results Following is a summary of unaudited quarterly operating results for the years 201 , 201 and 201 : 2018 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 46,882 $ 49,943 $ 52,982 $ 56,142 Interest expense 7,444 8,731 9,997 11,585 Provision for loan losses 1,950 1,950 1,300 1,950 Net realized gains available-for-sale securities — — 2 — Noninterest income 6,935 7,459 14,604 7,220 Noninterest expense 28,312 29,915 28,309 28,774 Provision for income taxes 2,645 2,967 5,464 3,765 Net income available to common shareholders 13,466 13,839 22,516 17,288 Earnings per common share – diluted 0.95 0.97 1.57 1.21 2017 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 45,413 $ 44,744 $ 46,368 $ 46,536 Interest expense 6,712 6,843 7,087 7,263 Provision for loan losses 2,250 1,950 2,950 1,950 Net realized gains (losses) on available-for-sale securities — — — — Noninterest income 7,698 15,800 7,655 7,374 Noninterest expense 28,573 28,371 28,034 29,283 Provision for income taxes 4,058 7,204 4,289 3,207 Net income 11,518 16,176 11,663 12,207 Net income available to common shareholders 11,518 16,176 11,663 12,207 Earnings per common share – diluted 0.81 1.14 0.82 0.86 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) 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

Note 27_ Condensed Parent Compa

Note 27: Condensed Parent Company Statements	12 Months Ended
	Dec. 31, 2018
Notes
Note 27: Condensed Parent Company Statements	Note 27: Condensed Parent Company Statements The condensed statements of financial condition at December 31, 201 and 201 , and statements of income, comprehensive income and cash flows for the years ended December 31, 201 201 and 201 , for the parent company, Great Southern Bancorp, Inc., were as follows: December 31, 2018 2017 (In Thousands) Statements of Financial Condition Assets Cash $ 56,648 $ 41,977 Investment in subsidiary bank 580,016 533,153 Deferred and accrued income taxes 411 133 Prepaid expenses and other assets 889 903 $ 637,964 $ 576,166 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 6,371 $ 5,042 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 73,842 73,688 Common stock 142 141 Additional paid-in capital 30,121 28,203 Retained earnings 492,087 442,077 Accumulated other comprehensive income 9,627 1,241 $ 637,964 $ 576,166 2018 2017 2016 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 34,000 $ 17,500 $ 12,000 Interest and dividend income — 48 — Gain on redemption of trust preferred securities and sale of non-marketable securities — — 2,735 Other income — — 2 34,000 17,548 14,737 Expense Operating expenses 1,793 1,330 1,322 Interest expense 5,050 5,047 2,381 6,843 6,377 3,703 Income before income tax and equity in undistributed earnings of subsidiaries 27,157 11,171 11,034 Credit for income taxes (1,204 (1,709 (241 Income before equity in earnings of subsidiaries 28,361 12,880 11,275 Equity in undistributed earnings of subsidiaries 38,748 38,684 34,067 Net income $ 67,109 $ 51,564 $ 45,342 2018 2017 2016 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 67,109 $ 51,564 $ 45,342 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (38,748) (38,684) (34,067) Compensation expense for stock option grants 737 564 483 Net realized gains on sales of available-for-sale securities — — (2,735) Amortization of interest rate derivative and deferred costs on subordinated notes 154 441 289 Changes in Prepaid expenses and other assets 13 132 175 Accounts payable and accrued expenses 182 (115) 1,495 Income taxes (278) 6 (206) Net cash provided by operating activities 29,169 13,908 10,776 Investing Activities Proceeds from sales of available-for-sale securities — — 3,583 Investment in subsidiary — — (60,000) (Investment)/Return of principal - other investments — — (2) Net cash used in investing activities — — (56,419) Financing Activities Proceeds from issuance of subordinated notes — — 73,472 Purchases of the Company’s common stock (903) — — Dividends paid (15,819) (12,894) (12,232) Stock options exercised 2,224 3,247 2,110 Net cash provided by (used in) financing activities (14,498) (9,647) 63,350 Increase in Cash 14,671 4,261 17,707 Cash, Beginning of Year 41,977 37,716 20,009 Cash, End of Year $ 56,648 $ 41,977 $ 37,716 Additional Cash Payment Information Interest paid $ 5,001 $ 5,059 $ 846 2018 2017 2016 (In Thousands) Statements of Comprehensive Income Net Income $ 67,109 $ 51,564 $ 45,342 Unrealized appreciation on available-for-sale securities, net of — — (158) Reclassification adjustment for gains included in net income, net of — — (1,742) Change in fair value of cash flow hedge, net of taxes of $0, $93 and $50 for 2018, 2017 and 2016, respectively — 161 87 Comprehensive income (loss) of subsidiaries 8,114 (478) (2,293) Comprehensive Income $ 75,223 $ 51,247 $ 41,236

Note 28_ Sale of Branches and R

Note 28: Sale of Branches and Related Deposits	12 Months Ended
	Dec. 31, 2018
Notes
Note 28: Sale of Branches and Related Deposits	Note 28: Sale of Branches and Related Deposits On July 20, 2018, the Company closed on the sale of four banking centers and related deposits in the Omaha, Neb., metropolitan market to Lincoln, Neb.-based West Gate Bank. Pursuant to the purchase and assumption agreement, the Bank sold branch deposits of approximately $56 million and sold substantially all branch-related real estate, fixed assets and ATMs. The Company recorded a pre-tax gain (excluding transaction expenses of $165,000) of $7.4 million on the sale based on the contractual deposit premium and the sales price of the branch assets.

Note 1_ Nature of Operations _2

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Nature of Operations (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Nature of Operations	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.

Note 1_ Nature of Operations _3

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Segment Reporting, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Segment Reporting, Policy	The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans 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 _4

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Use of Estimates, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Use of Estimates, Policy	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 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 _5

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Consolidation, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Consolidation, Policy	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 _6

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Federal Home Loan Bank Stock Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Federal Home Loan Bank Stock Policy	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 _7

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Marketable Securities, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Marketable Securities, Policy	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 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 _8

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Mortgage Loans Held for Sale Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Mortgage Loans Held for Sale Policy	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 _9

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Originated by the Company (Policies)	12 Months Ended
	Dec. 31, 2018
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_10

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans and Leases Receivable, Allowance for Loan Losses Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Loans and Leases Receivable, Allowance for Loan Losses Policy	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 loans 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_11

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loans Acquired in Business Combination (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Loans Acquired in Business Combination	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 acquired 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 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_12

Note 1: Nature of Operations and Summary of Significant Accounting Policies: FDIC Indemnification Asset (Policies)	12 Months Ended
	Dec. 31, 2018
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 covered under loss sharing agreements with the FDIC. These agreements commi t 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 expect 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 measured separately from the loan assets and foreclosed assets because the loss sharing agreements not contractually embedded in them or transferrable with them in the event of disposal. The balance of the FDIC Indemnification Asset increase and decrease as the expected and actual cash flows from the covered assets fluctuate , as loans paid off or impaired and as loans and foreclosed assets sold. There no contractual interest rates on the 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 th receivable be collected over the terms of the loss sharing agreements. This discount accreted to income . These acquisitions and agreements are more fully discussed in Note 4

Note 1_ Nature of Operations_13

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Other Real Estate Owned and Repossessions (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Other Real Estate Owned and Repossessions	Other Real Estate Owned and Repossessions 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_14

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Property, Plant and Equipment, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Property, Plant and Equipment, Policy	Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line and accelerated methods over the estimated useful lives of the assets. Leasehold improvements are capitalized and amortized using the straight-line and accelerated methods over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter.

Note 1_ Nature of Operations_15

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Impairment or Disposal of Long-Lived Assets, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Impairment or Disposal of Long-Lived Assets, Policy	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 related to bank premises and furniture, fixtures and equipment was recorded during the year ended December 31, 2015, due to 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, . No asset impairment was recognized during the year ended December 31, .

Note 1_ Nature of Operations_16

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Goodwill and Intangible Assets, Goodwill, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Goodwill and Intangible Assets, Goodwill, Policy	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, 2018 2017 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles Sun Security Bank — 263 InterBank 36 181 Boulevard Bank 275 397 Valley Bank 1,000 1,400 Fifth Third Bank 2,581 3,213 3,892 5,454 $ 9,288 $ 10,850

Note 1_ Nature of Operations_17

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Schedule of Intangible Assets and Goodwill (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Schedule of Intangible Assets and Goodwill	December 31, 2018 2017 (In Thousands) Goodwill – Branch acquisitions $ 5,396 $ 5,396 Deposit intangibles Sun Security Bank — 263 InterBank 36 181 Boulevard Bank 275 397 Valley Bank 1,000 1,400 Fifth Third Bank 2,581 3,213 3,892 5,454 $ 9,288 $ 10,850

Note 1_ Nature of Operations_18

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Loan Servicing and Origination Fee Income (Policies)	12 Months Ended
	Dec. 31, 2018
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_19

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stockholders' Equity, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Stockholders' Equity, Policy	Stockholders’ Equity The Company is incorporated in the State of Maryland. Under Maryland law, there is no concept of “Treasury Shares.” Instead, shares purchased by the Company constitute authorized but unissued shares under Maryland law. Accounting principles generally accepted in the United States of America state that accounting for treasury stock shall conform to state law. The cost of shares purchased by the Company has been allocated to common stock and retained earnings balances.

Note 1_ Nature of Operations_20

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Earnings Per Share, Policy	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: 2018 2017 2016 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 67,109 $ 51,564 $ 45,342 Average common shares outstanding 14,132 14,032 13,912 Average common share stock options outstanding 128 148 229 Average diluted common shares 14,260 14,180 14,141 Earnings per common share – basic $ 4.75 $ 3.67 $ 3.26 Earnings per common share – diluted $ 4.71 $ 3.64 $ 3.21 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 .

Note 1_ Nature of Operations_21

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stock Compensation Plans (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Stock Compensation Plans	Stock Compensation Plans The Company has stock-based employee compensation plans, which are described more fully in Note 2 1 . In accordance with FASB ASC 718, Compensation – Stock Compensation, , 201 and 201 , share-based compensation expense totaling $ ,000, $ ,000 and $ ,000, respectively, was included in salaries and employee benefits expense in the consolidated statements of income.

Note 1_ Nature of Operations_22

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Cash and Cash Equivalents, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Cash and Cash Equivalents, Policy	Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. At December 31, 2018 and 2017 , cash equivalents consisted of interest-bearing deposits in other financial institutions. At December 31, 2018 , nearly all of the interest-bearing deposits were uninsured with nearly all of these balances held at the Federal Home Loan Bank or the Federal Reserve Bank.

Note 1_ Nature of Operations_23

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Income Tax, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Income Tax, Policy	Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, Income Taxes Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. At December 31, 201 and 201 , no valuation allowance was established. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries.

Note 1_ Nature of Operations_24

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Derivatives, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Derivatives, Policy	Derivatives and Hedging Activities FASB ASC 815, Derivatives and Hedging instruments Note 1 7 . As required by FASB ASC 815, the Company records all derivatives in the statement of financial condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship

Note 1_ Nature of Operations_25

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Restrictions on Cash and Due From Banks (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Restrictions 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, 2018 and 2017 , respectively, was $ 62.6 million and $ 59.1 million .

Note 1_ Nature of Operations_26

Note 1: Nature of Operations and Summary of Significant Accounting Policies: New Accounting Pronouncements, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
New Accounting Pronouncements, Policy	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 Under ASU 2014-09, for revenue not associated with financial instruments, we apply the following steps when recognizing revenue from contracts with customers: (i) identify the contract, (ii) identify the performance obligations, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations and (v) recognize revenue when performance obligation is satisfied. Our contracts with customers are generally short term in nature, typically due within one year or less or cancellable by us or our customer upon a short notice period. Performance obligations for our customer contracts are generally satisfied at a single point in time, typically when the transaction is complete, or over time. For performance obligations satisfied over time, we primarily use the output method, directly measuring the value of the products/services transferred to the customer, to determine when performance obligations have been satisfied. We typically receive payment from customers and recognize revenue concurrent with the satisfaction of our performance obligations. In most cases, this occurs within a single financial reporting period. For payments received in advance of the satisfaction of performance obligations, revenue recognition is deferred until such time the performance obligations have been satisfied. In cases where we have not received payment despite satisfaction of our performance obligations, we accrue an estimate of the amount due in the period our performance obligations have been satisfied. For contracts with variable components, only amounts for which collection is probable are accrued. We generally act in a principal capacity, on our own behalf, in most of our contracts with customers. In such transactions, we recognize revenue and the related costs to provide our services on a gross basis in our financial statements. In some cases, we act in an agent capacity, deriving revenue through assisting other entities in transactions with our customers. In such transactions, we recognize revenue and the related costs to provide our services on a net basis in our financial statements. These transactions primarily relate to fees derived from our customers' use of various interchange and ATM/debit card networks. 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) Codification Improvements to Topic 842, Leases 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) In May 2017, the FASB issued ASU 2017-09, Compensation --Stock Compensation (Topic 718): Scope of Modification Accounting amendment provides guidance on determining which changes to the terms and conditions of share-based payment awards require an entity to apply modification accounting under Topic 7l8. The amendments clarify that modification accounting only applies to an entity if the fair value, vesting conditions, or classification of the award changes as a result of changes in the terms or conditions of a share-based payment award. The ASU should be applied prospectively to awards modified on or after the adoption date. In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities In February 2018, the FASB issued ASU 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income (Topic 220). In August 2018, the FASB issued ASU 2018-13 , Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement

Note 2_ Investments in Securi_2

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Policies)	12 Months Ended
	Dec. 31, 2018
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 rates of interest and $ million had rates of interest.

Note 2_ Investments in Securi_3

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Policies)	12 Months Ended
	Dec. 31, 2018
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 Securi_4

Note 2: Investments in Securities: Other-than-temporary Impairment (Policies)	12 Months Ended
	Dec. 31, 2018
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. Credit Losses Recognized on Investments During 2018, 2017 and 2016, 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 4_ Acquired Loans, Loss _2

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Policies)	12 Months Ended
	Dec. 31, 2018
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. 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.
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 were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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.
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 were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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 June 9, 2017, 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 premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2018, 2017 and 2016 was $175,000, $269,000 and $359,000, 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. A premium was recorded in conjunction with the fair value of the acquired loans and the amount amortized to yield during 2018, 2017 and 2016 was $11,000, $217,000 and $491,000, respectively.

Note 4_ Acquired Loans, Loss _3

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Loss Sharing Agreements (Policies)	12 Months Ended
	Dec. 31, 2018
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 Team Bank, 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 termination agreement, assets that were covered by the terminated loss sharing agreements were reclassified as non-covered assets effective April 26, 2016. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. On June 9, 2017, Great Southern Bank executed an agreement with the FDIC to terminate the loss sharing agreements for InterBank, effective immediately. Pursuant to the termination agreement, the FDIC paid $15.0 million to the Bank to settle all outstanding items related to the terminated loss sharing agreements. The Company recorded a pre-tax gain on the termination of $7.7 million. As a result of entering into the termination agreement, assets that were covered by the terminated loss sharing arrangements were reclassified as non-covered assets effective June 9, 2017. All rights and obligations of the Bank and the FDIC under the terminated loss sharing agreements, including the settlement of all existing loss sharing and expense reimbursement claims, have been resolved and terminated. The termination of the loss sharing agreements for the TeamBank, Vantus Bank, Sun Security Bank and InterBank transactions has 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 are negatively impacted to the extent the Company recognizes expenses, losses or charge-offs related to such assets.

Note 4_ Acquired Loans, Loss _4

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, 2018
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 , 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, , to the indemnification assets (which reduced to $-0- due to the termination of the loss sharing agreements). The amounts of these adjustments were as follows:

Note 4_ Acquired Loans, Loss _5

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy (Policies)	12 Months Ended
	Dec. 31, 2018
TeamBank
FDIC Indemnification Asset Policy	TeamBank Loans and Foreclosed Assets. The following tables present the balances of the related to the TeamBank transaction at December 31, and . ross loan balances (due from 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.
Vantus Bank
FDIC Indemnification Asset Policy	Vantus Bank Loans and Foreclosed Assets
Sun Security Bank
FDIC Indemnification Asset Policy	Sun Security Bank Loans and Foreclosed Assets. The following tables present the balances of the loans asset related to the Sun Security Bank transaction at December 31, and . ross loan balances (due from 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.
InterBank
FDIC Indemnification Asset Policy	InterBank Loans and Foreclosed Assets. The following tables present the balances of the loans related to the InterBank transaction at December 31, and . ross loan balances (due from 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.
Valley Bank
FDIC Indemnification Asset Policy	Valley Bank Loans and Foreclosed Assets. The following tables present the balances of the loans and to the Valley Bank transaction at December 31, ross loan balances (due from 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. Based upon the collectability analyses performed the acquisition, we expected certain levels of foreclosures and charge-offs and actual results have been better than our expectations. As a result, cash flows expected to be received from the acquired loan pools have increased, resulting in adjustments that were made to the related accretable yield as described above.

Note 7_ Investments in Limite_2

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Investments in Affordable Housing Partnerships Policy	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 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 Limite_3

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Investments in Community Development Entities Policy	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 investment, with a net carrying value of $ . At December 31, , the Company had investments, with a net carrying value of $ 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 were $ as of December 31, . Amortization of the investments in partnerships is expected to be approximately . The Company’s usage of federal New Market Tax Credits approximated $ , $ million and $ million during , and , respectively. Investment amortization amounted to $ , $ and $1. million for the years ended December 31, , and , respectively.

Note 7_ Investments in Limite_4

Note 7: Investments in Limited Partnerships: Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits	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.

Note 7_ Investments in Limite_5

Note 7: Investments in Limited Partnerships: Investments in Limited Partnerships for State Tax Credits (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Investments in Limited Partnerships for State Tax Credits	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 15_ Disclosures About Fa_2

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy (Policies)	12 Months Ended
	Dec. 31, 2018
Policies
Fair Value Measurement, Policy	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.

Note 1_ Nature of Operations_27

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy: Schedule of Earnings Per Share, Basic and Diluted (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	Earnings per common share (EPS) were computed as follows: 2018 2017 2016 (In Thousands, Except Per Share Data) Net income and net income available to common shareholders $ 67,109 $ 51,564 $ 45,342 Average common shares outstanding 14,132 14,032 13,912 Average common share stock options outstanding 128 148 229 Average diluted common shares 14,260 14,180 14,141 Earnings per common share – basic $ 4.75 $ 3.67 $ 3.26 Earnings per common share – diluted $ 4.71 $ 3.64 $ 3.21

Note 2_ Investments in Securi_5

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Available-for-sale Securities Reconciliation	December 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 154,557 $ 1,272 $ 2,571 $ 153,258 Agency collateralized mortgage obligations 39,024 250 14 39,260 States and political subdivisions 50,022 1,428 — 51,450 $ 243,603 $ 2,950 $ 2,585 $ 243,968 December 31, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) Agency mortgage-backed securities $ 123,300 $ 871 $ 1,638 $ 122,533 States and political subdivisions 53,930 2,716 — 56,646 $ 177,230 $ 3,587 $ 1,638 $ 179,179

Note 2_ Investments in Securi_6

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Investments Classified by Contractual Maturity Date	Amortized Fair Cost Value (In Thousands) After one through five years $ 849 $ 919 After five through ten years 9,959 10,139 After ten years 39,214 40,392 Securities not due on a single maturity date 193,581 192,518 $ 243,603 $ 243,968

Note 2_ Investments in Securi_7

Note 2: Investments in Securities: Debt Securities, Held-to-maturity (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Debt Securities, Held-to-maturity	December 31, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) States and political subdivisions $ 130 $ 1 $ — $ 131

Note 2_ Investments in Securi_8

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Financial Instruments Owned and Pledged as Collateral	2018 2017 Amortized Fair Amortized Fair Cost Value Cost Value (In Thousands) Public deposits $ 9,482 $ 9,802 $ 10,958 $ 11,490 Collateralized borrowing accounts 148,050 146,337 120,622 119,776 Other 763 761 1,579 1,601 $ 158,295 $ 156,900 $ 133,159 $ 132,867

Note 2_ Investments in Securi_9

Note 2: Investments in Securities: Unrealized Gain (Loss) on Investments (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Unrealized Gain (Loss) on Investments	2018 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) Agency mortgage-backed securities $ 11,255 $ (82) $ 74,186 $ (2,489) $ 85,441 $ (2,571) Agency collateralized mortgage obligations 9,725 (14) — — 9,725 (14) States and political subdivisions 511 — — — 511 — $ 21,491 $ (96 $ 74,186 $ (2,489 $ 95,677 $ (2,585 2017 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) Agency mortgage-backed securities $ 33,862 $ (384) $ 55,845 $ (1,254) $ 89,707 $ (1,638) States and political subdivisions — — — — — — $ 33,862 $ (384 $ 55,845 $ (1,254) $ 89,707 $ (1,638

Note 3_ Loans and Allowance f_2

Note 3: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Accounts, Notes, Loans and Financing Receivable	2018 2017 (In Thousands) One- to four-family residential construction $ 26,177 $ 20,793 Subdivision construction 13,844 18,062 Land development 44,492 43,971 Commercial construction 1,417,166 1,068,352 Owner occupied one- to four-family residential 276,866 190,515 Non-owner occupied one- to four-family residential 122,438 119,468 Commercial real estate 1,371,435 1,235,329 Other residential 784,894 745,645 Commercial business 322,118 353,351 Industrial revenue bonds 13,940 21,859 Consumer auto 253,528 357,142 Consumer other 57,350 63,368 Home equity lines of credit 121,352 115,439 Loans acquired and accounted for under ASC 310-30, net of discounts 167,651 209,669 4,993,251 4,562,963 Undisbursed portion of loans in process (958,441) (793,669) Allowance for loan losses (38,409) (36,492) Deferred loan fees and gains, net (7,400 (6,500 $ 3,989,001 $ 3,726,302

Note 3_ Loans and Allowance f_3

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans Classified by Aging Analysis (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Loans Classified by Aging Analysis	December 31, 2018 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 $ — $ — $ — $ — $ 26,177 $ 26,177 $ — Subdivision construction — — — — 13,844 13,844 — Land development 13 — 49 62 44,430 44,492 — Commercial construction — — — — 1,417,166 1,417,166 — Owner occupied one- to four- family residential 1,431 806 1,206 3,443 273,423 276,866 — Non-owner occupied one- to four-family residential 1,142 144 1,458 2,744 119,694 122,438 — Commercial real estate 3,940 53 334 4,327 1,367,108 1,371,435 — Other residential — — — — 784,894 784,894 — Commercial business 72 54 1,437 1,563 320,555 322,118 — Industrial revenue bonds 3 — — 3 13,937 13,940 — Consumer auto 2,596 722 1,490 4,808 248,720 253,528 — Consumer other 691 181 240 1,112 56,238 57,350 — Home equity lines of credit 229 — 86 315 121,037 121,352 — Loans acquired and accounted for under ASC 310-30, net of discounts 2,195 1,416 6,827 10,438 157,213 167,651 — Total $ 10,117 $ 1,960 $ 6,300 $ 18,377 $ 4,807,223 $ 4,825,600 $ — December 31, 2017 Total Loans Total > 90 Days 30-59 Days 60-89 Days Over 90 Total Past Loans Past Due and Past Due Past Due Days Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ 250 $ — $ — $ 250 $ 20,543 $ 20,793 $ — Subdivision construction — — 98 98 17,964 18,062 — Land development 54 37 — 91 43,880 43,971 — Commercial construction — — — — 1,068,352 1,068,352 — Owner occupied one- to four- family residential 1,927 71 904 2,902 187,613 190,515 — Non-owner occupied one- to four-family residential 947 190 1,816 2,953 116,515 119,468 58 Commercial real estate 8,346 993 1,226 10,565 1,224,764 1,235,329 — Other residential 540 353 1,877 2,770 742,875 745,645 — Commercial business 2,623 1,282 2,063 5,968 347,383 353,351 — Industrial revenue bonds — — — — 21,859 21,859 — Consumer auto 5,196 1,230 2,284 8,710 348,432 357,142 12 Consumer other 464 64 557 1,085 62,283 63,368 — Home equity lines of credit 58 — 430 488 114,951 115,439 26 Loans acquired and accounted for under ASC 310-30, net of discounts 4,449 1,951 10,675 17,075 192,594 209,669 272 Total $ 20,405 $ 4,220 $ 11,255 $ 35,880 $ 4,317,414 $ 4,353,294 $ 96

Note 3_ Loans and Allowance f_4

Note 3: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Financing Receivables, Non Accrual Status	December 31, 2018 2017 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction 49 98 Land development — — Commercial construction — — Owner occupied one- to four-family residential 1,206 904 Non-owner occupied one- to four-family residential 1,458 1,758 Commercial real estate 334 1,226 Other residential 1,877 Commercial business 1,437 2,063 Industrial revenue bonds — — Consumer auto 1,490 2,272 Consumer other 240 557 Home equity lines of credit 86 404 Total $ 6,300 $ 11,159

Note 3_ Loans and Allowance f_5

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans and Leases Receivable Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Loans and Leases Receivable Allowance for Loan Losses	December 31, 2018 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, 2018 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Provision (benefit) charged to expense 742 1,982 1,094 1,031 (1,613) 3,914 7,150 Losses charged off (62) (525) (102) (87) (1,155) (9,425) (11,356) Recoveries 334 417 172 394 755 4,051 6,123 Balance,December 31, 2018 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Ending balance: Individually evaluated for impairment $ 694 $ — $ 613 $ — $ 309 $ 425 $ 2,041 Collectively evaluated for impairment $ 2,392 $ 4,681 $ 18,958 $ 3,029 $ 1,247 $ 5,640 $ 35,947 Loans acquired and accounted for under ASC 310-30 $ 36 $ 32 $ 232 $ 76 $ 12 $ 33 $ 421 Loans Individually evaluated for impairment $ 6,116 $ — $ 3,501 $ 14 $ 1,844 $ 2,464 $ 13,939 Collectively evaluated for impairment $ 433,209 $ 784,894 $ 1,367,934 $ 1,461,644 $ 334,214 $ 429,766 $ 4,811,661 Loans acquired and accounted for under ASC 310-30 $ 93,841 $ 12,790 $ 33,620 $ 4,093 $ 4,347 $ 18,960 $ 167,651 December 31, 2017 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, 2017 $ 2,322 $ 5,486 $ 15,938 $ 2,284 $ 3,015 $ 8,355 $ 37,400 Provision (benefit) charged to expense (158) (2,356) 4,234 (643) 1,475 6,548 9,100 Losses charged off (165) (488) (1,656) (420) (1,489) (11,859) (16,077) Recoveries 109 197 123 546 580 4,514 6,069 Balance, December 31, 2017 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Ending balance: Individually evaluated for impairment $ 513 $ — $ 599 $ — $ 2,140 $ 699 $ 3,951 Collectively evaluated for impairment $ 1,564 $ 2,813 $ 17,843 $ 1,690 $ 1,369 $ 6,802 $ 32,081 Loans acquired and accounted for under ASC 310-30 $ 31 $ 26 $ 197 $ 77 $ 72 $ 57 $ 460 Loans Individually evaluated for impairment $ 6,950 $ 2,907 $ 8,315 $ 15 $ 3,018 $ 4,129 $ 25,334 Collectively evaluated for impairment $ 341,888 $ 742,738 $ 1,227,014 $ 1,112,308 $ 372,192 $ 531,820 $ 4,327,960 Loans acquired and accounted for under ASC 310-30 $ 120,295 $ 14,877 $ 39,210 $ 3,806 $ 5,275 $ 26,206 $ 209,669 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

Note 3_ Loans and Allowance f_6

Note 3: Loans and Allowance for Loan Losses: Impaired Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Impaired Financing Receivables	Year Ended December 31, 2018 December 31, 2018 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 318 318 105 321 17 Land development 14 18 — 14 1 Commercial construction — — — — — Owner occupied one- to four-family residential 3,576 3,926 285 3,406 197 Non-owner occupied one- to four-family residential 2,222 2,519 304 2,870 158 Commercial real estate 3,501 3,665 613 6,216 337 Other residential — — — 1,026 20 Commercial business 1,844 2,207 309 2,932 362 Industrial revenue bonds — — — — — Consumer auto 1,874 2,114 336 2,069 167 Consumer other 479 684 72 738 59 Home equity lines of credit 111 128 17 412 28 Total $ 13,939 $ 15,579 $ 2,041 $ 20,004 $ 1,346 Year Ended December 31, 2017 December 31, 2017 Average Unpaid Investment Interest Recorded Principal Specific in Impaired Income Balance Balance Allowance Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ 193 $ — Subdivision construction 349 367 114 584 22 Land development 15 18 — 1,793 24 Commercial construction — — — — — Owner occupied one- to four-family residential 3,405 3,723 331 3,405 166 Non-owner occupied one- to four-family residential 3,196 3,465 68 2,419 165 Commercial real estate 8,315 8,490 599 9,075 567 Other residential 2,907 2,907 — 3,553 147 Commercial business 3,018 4,222 2,140 5,384 173 Industrial revenue bonds — — — — — Consumer auto 2,713 2,898 484 2,383 222 Consumer other 825 917 124 906 69 Home equity lines of credit 591 648 91 498 33 Total $ 25,334 $ 27,655 $ 3,951 $ 30,193 $ 1,588 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 3,555 374 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 1,295 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

Note 3_ Loans and Allowance f_7

Note 3: Loans and Allowance for Loan Losses: Troubled Debt Restructurings on Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Troubled Debt Restructurings on Financing Receivables	2018 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Residential one-to-four family $ 1,348 $ — $ — $ 1,348 Construction and land development — 31 — 31 Commercial — — 106 106 Consumer — 535 — 535 $ 1,348 $ 566 $ 106 $ 2,020 2017 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: Commercial $ — $ — $ 5,759 $ 5,759 Commercial business — 16 274 290 Consumer — 245 — 245 $ — $ 261 $ 6,033 $ 6,294

Note 3_ Loans and Allowance f_8

Note 3: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Financing Receivable Credit Quality Indicators	December 31, 2018 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 25,803 $ 374 $ — $ — $ — $ 26,177 Subdivision construction 12,077 1,718 — 49 — 13,844 Land development 39,892 4,600 — — — 44,492 Commercial construction 1,417,166 — — — — 1,417,166 Owner occupied one- to-four- family residential 274,661 43 — 2,162 — 276,866 Non-owner occupied one- to- four-family residential 119,951 941 — 1,546 — 122,438 Commercial real estate 1,357,987 11,061 — 2,387 — 1,371,435 Other residential 784,393 501 — — — 784,894 Commercial business 315,518 5,163 — 1,437 — 322,118 Industrial revenue bonds 13,940 — — — — 13,940 Consumer auto 251,824 116 — 1,588 — 253,528 Consumer other 56,859 157 — 334 — 57,350 Home equity lines of credit 121,134 118 — 100 — 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 167,632 — — 19 — 167,651 Total $ 4,958,837 $ 24,792 $ — $ 9,622 $ — $ 4,993,251 December 31, 2017 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 20,275 $ 518 $ — $ — $ — $ 20,793 Subdivision construction 15,602 2,362 — 98 — 18,062 Land development 39,171 4,800 — — — 43,971 Commercial construction 1,068,352 — — — — 1,068,352 Owner occupied one- to-four- family residential 188,706 — — 1,809 — 190,515 Non-owner occupied one- to- four-family residential 117,103 389 — 1,976 — 119,468 Commercial real estate 1,218,431 9,909 — 6,989 — 1,235,329 Other residential 742,237 1,532 — 1,876 — 745,645 Commercial business 344,479 6,306 — 2,066 500 353,351 Industrial revenue bonds 21,859 — — — — 21,859 Consumer auto 354,588 — — 2,554 — 357,142 Consumer other 62,682 — — 686 — 63,368 Home equity lines of credit 114,860 — — 579 — 115,439 Loans acquired and accounted for under ASC 310-30, net of discounts 209,657 — — 12 — 209,669 Total $ 4,518,002 $ 25,816 $ — $ 18,645 $ 500 $ 4,562,963

Note 3_ Loans and Allowance f_9

Note 3: Loans and Allowance for Loan Losses: Schedule of Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Related Party Transactions	2018 2017 (In Thousands) Balance, beginning of year $ 40,041 $ 24,793 New loans 17,141 19,734 Payments (28,165 (4,486 Balance, end of year $ 29,017 $ 40,041

Note 4_ Acquired Loans, Loss _6

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Impact of Adjustments of Acquired Loans on Financial Results	Year Ended December 31, 2018 2017 2016 (In Thousands) Increase in accretable yield due to increased cash flow expectations $ 5,202 $ 1,333 $ 10,598 Decrease in FDIC indemnification asset as a result of accretable yield increase — — (2,744)

Note 4_ Acquired Loans, Loss _7

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, 2018
Tables/Schedules
Schedule of Impact of Acquired Loans on Financial Results	Year Ended December 31, 2018 2017 2016 (In Thousands) Interest income $ 5,134 $ 5,014 $ 16,393 Noninterest income — (634 (7,033 Net impact to pre-tax income $ 5,134 $ 4,380 $ 9,360

Note 4_ Acquired Loans, Loss _8

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Tables)	12 Months Ended
	Dec. 31, 2018
TeamBank
FDIC Indemnification Asset Roll Forward	December 31, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 10,602 $ — Reclassification from nonaccretable discount to accretable discount due to change in (399) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (10,106 — Expected loss remaining $ 97 $ — December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 13,668 $ 35 Reclassification from nonaccretable discount to accretable discount due to change in (589) — expected losses (net of accretion to date) Original estimated fair value of assets, net of activity since acquisition date (12,948 (35) Expected loss remaining $ 131 $ —
Vantus Bank
FDIC Indemnification Asset Roll Forward	December 31, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 14,097 $ — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (58) — Original estimated fair value of assets, net of activity since acquisition date (13,809 — Expected loss remaining $ 230 $ — December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 18,965 $ 15 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (131) — Original estimated fair value of assets, net of activity since acquisition date (18,605 (15 Expected loss remaining $ 229 $ —
Sun Security Bank
FDIC Indemnification Asset Roll Forward	December 31, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 21,171 $ 91 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (342) — Original estimated fair value of assets, net of activity since acquisition date (20,171 (61 Expected loss remaining $ 658 $ 30 December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 26,787 $ 306 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (494) — Original estimated fair value of assets, net of activity since acquisition date (25,348 (299 Expected loss remaining $ 945 $ 7
InterBank
FDIC Indemnification Asset Roll Forward	December 31, 2018 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 85,106 $ 121 Noncredit premium/(discount), net of activity since acquisition date 99 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (1,695) — Original estimated fair value of assets, net of activity since acquisition date (74,436 (106 Expected loss remaining $ 9,074 $ 15 December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis for loss sharing determination, net of activity since acquisition date $ 112,399 $ 2,012 Noncredit premium/(discount), net of activity since acquisition date 274 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (972) — Original estimated fair value of assets, net of activity since acquisition date (98,321 (1,785 Expected loss remaining $ 13,380 $ 227
Valley Bank
FDIC Indemnification Asset Roll Forward	December 31, 2018 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 53,470 $ 1,233 Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (169) — Original estimated fair value of assets, net of activity since acquisition date (49,124 (1,233 Expected loss remaining $ 4,177 $ — December 31, 2017 Foreclosed Loans Assets (In Thousands) Initial basis, net of activity since acquisition date $ 59,997 $ 1,673 Noncredit premium/(discount), net of activity since acquisition date 11 — Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date) (411) — Original estimated fair value of assets, net of activity since acquisition date (54,442 (1,667 Expected loss remaining $ 5,155 $ 6

Note 4_ Acquired Loans, Loss _9

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Accretable Yield Changes for Acquired Loans (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Accretable Yield Changes for Acquired Loans	Sun TeamBank Vantus Bank Security Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2016 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 Accretion (1,563) (1,373) (2,251) (7,505) (5,823) Reclassification from nonaccretable difference(1) 1,157 676 875 4,067 3,721 Balance, December 31, 2017 2,071 1,850 2,901 5,074 2,695 Accretion (1,042) (1,196) (1,667) (8,349) (3,892) Reclassification from nonaccretable difference(1) 327 778 1,008 8,269 4,260 Balance, December 31, 2018 $ 1,356 $ 1,432 $ 2,242 $ 4,994 $ 3,063 (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, 2018, totaling $312,000, $778,000, $756,000, $4.1 million and $3.5 million, respectively; for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the year ended December 31, 2017, totaling $1.1 million, $663,000, $850,000, $3.5 million and $3.0 million, respectively; and 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.

Note 5_ Other Real Estate Own_2

Note 5: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Major Classifications of Foreclosed Assets	2018 2017 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ $ Subdivision construction 1,092 5,413 Land development 3,191 7,229 Commercial construction One- to four-family residential 269 112 Other residential 140 Commercial real estate 1,694 Commercial business Consumer 928 1,987 5,480 16,575 Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts 167 2,133 Acquired foreclosed assets not covered by FDIC loss sharing agreements, net of discounts (Valley Bank) 1,234 1,666 Foreclosed assets held for sale and repossessions, net 6,881 20,374 Other real estate owned not acquired through foreclosure 1,559 1,628 Other real estate owned and repossessions $ 8,440 $ 22,002

Note 5_ Other Real Estate Own_3

Note 5: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Expenses Applicable to Foreclosed Assets	2018 2017 2016 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (2,522) $ (2,212) $ (68) Valuation write-downs 3,897 1,585 431 Operating expenses, net of rental income 3,544 4,556 3,748 $ 4,919 $ 3,929 $ 4,111

Note 6_ Premises and Equipment_

Note 6: Premises and Equipment: Property, Plant and Equipment (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Property, Plant and Equipment	2018 2017 (In Thousands) Land $ 40,508 $ 42,312 Buildings and improvements 95,039 97,464 Furniture, fixtures and equipment 54,327 53,841 189,874 193,617 Less accumulated depreciation 57,450 55,599 $ 132,424 $ 138,018

Note 8_ Deposits_ Deposit Liabi

Note 8: Deposits: Deposit Liabilities, Type (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Deposit Liabilities, Type	Weighted Average Interest Rate 2018 2017 (In Thousands, Except Interest Rates) Noninterest-bearing accounts — $ 661,061 $ 661,589 Interest-bearing checking and savings accounts 0.46% - 0.32% 1,472,535 1,565,711 2,133,596 2,227,300 Certificate accounts 0% - 0.99% 150,656 254,502 1% - 1.99% 511,873 1,006,373 2% - 2.99% 857,973 106,888 3% - 3.99% 69,793 701 4% - 4.99% 1,116 1,108 5% and above — 272 1,591,411 1,369,844 $ 3,725,007 $ 3,597,144

Note 8_ Deposits_ Maturities of

Note 8: Deposits: Maturities of certificates of deposit (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Maturities of certificates of deposit	Retail Brokered Total (In Thousands) 2019 $ 928,900 $ 286,922 $ 1,215,822 2020 219,704 40,000 259,704 2021 73,724 — 73,724 2022 26,012 — 26,012 2023 14,705 — 14,705 Thereafter 1,444 — 1,444 $ 1,264,489 $ 326,922 $ 1,591,411

Note 8_ Deposits_ Schedule of I

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Interest Expense on Deposit Liabilities	2018 2017 2016 (In Thousands) Checking and savings accounts $ 5,982 $ 4,699 $ 3,888 Certificate accounts 22,149 16,009 13,598 Early withdrawal penalties (174 (113 (99 $ 27,957 $ 20,595 $ 17,387

Note 9_ Advances From Federal_2

Note 9: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Federal Home Loan Bank, Advances	December 31, 2018 December 31, 2017 Weighted Weighted Average Average Interest Interest Due In Amount Rate Amount Rate (In Thousands) 2019 $ — —% $ 127,500 1.53% 2020 — — — — 2021 — — — — 2022 — — — — 2023 — — — — 2024 and thereafter — — — — $ — — $ 127,500 1.53

Note 10_ Short-Term Borrowings_

Note 10: Short-Term Borrowings: Schedule of Short-term Debt (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Short-term Debt	2018 2017 (In Thousands) Notes payable – Community Development Equity Funds $ 1,625 $ 1,604 Other interest-bearing liabilities 13,100 Overnight borrowings from the Federal Home Loan Bank 178,000 15,000 Securities sold under reverse repurchase agreements 105,253 80,531 $ 297,978 $ 97,135

Note 10_ Short-Term Borrowing_2

Note 10: Short-Term Borrowings: Schedule of Repurchase Agreements (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Repurchase Agreements	2018 2017 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 105,253 $ 80,531

Note 12_ Subordinated Debentu_2

Note 12: Subordinated Debentures Issued to Capital Trusts: Schedule of Subordinated Debentures Issued to Capital Trusts (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Subordinated Debentures Issued to Capital Trusts	2018 2017 (In Thousands) Subordinated debentures $ 25,774 $ 25,774

Note 13_ Subordinated Notes_ Sc

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Subordinated Borrowing	2018 2017 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 1,158 1,312 $ 73,842 $ 73,688

Note 14_ Income Taxes_ Schedule

Note 14: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Components of Income Tax Expense (Benefit)	2018 2017 2016 (In Thousands) Taxes currently payable $ 19,291 $ 9,335 $ 20,137 Deferred income taxes (4,450) 11,528 Adjustment of deferred tax asset or liability for enacted changes in tax laws — (2,105) — Income taxes $ 14,841 $ 18,758 $ 16,516

Note 14_ Income Taxes_ Schedu_2

Note 14: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Deferred Tax Assets and Liabilities	December 31, 2018 2017 (In Thousands) Deferred tax assets Allowance for loan losses $ 8,758 $ 8,154 Tax credit carryforward 5,816 Interest on nonperforming loans 320 288 Accrued expenses 726 684 Write-down of foreclosed assets 600 1,694 Write-down of fixed assets 191 207 Difference in basis for acquired assets and liabilities 4,031 4,725 14,626 21,568 Deferred tax liabilities Tax depreciation in excess of book depreciation (5,409) (4,483) FHLB stock dividends (798) (356) Partnership tax credits (404) (706) Prepaid expenses (569) (775) Unrealized gain on available-for-sale securities (83) (435) Book revenue in excess of tax revenue Unrealized gain on cash flow derivatives (2,761) Other (113 (190 (10,137 (19,122 Net deferred tax asset $ 4,489 $ 2,446

Note 14_ Income Taxes_ Schedu_3

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Effective Income Tax Rate Reconciliation	2018 2017 2016 Tax at statutory rate 21.0% 35.0% 35.0% Nontaxable interest and dividends (0.8) (1.6) (2.1) Tax credits (3.4) (6.1) (7.3) State taxes 1.1 1.1 1.1 Initial impact of enactment of 2017 Tax Act (0.4) Other 0.2 (1.3 0.0 18.1 26.7 26.7

Note 15_ Disclosures About Fa_3

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Fair Value, Assets Measured on Recurring 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, 2018 Agency mortgage-backed securities $ 153,258 $ — $ 153,258 $ — Agency collateralized mortgage obligations 39,260 — 39,260 — States and political subdivisions 51,450 — 51,450 — Interest rate derivative asset 12,800 — 12,800 — Interest rate derivative liability (716) — (716) — December 31, 2017 Agency mortgage-backed securities $ 122,533 $ — $ 122,533 $ — States and political subdivisions 56,646 — 56,646 — Interest rate derivative asset 981 — 981 — Interest rate derivative liability (1,030) — (1,030) —

Note 15_ Disclosures About Fa_4

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 Impaired loans $ 2,805 $ — $ — $ 2,805 Foreclosed assets held for sale $ 1,776 $ — $ — $ 1,776 December 31, 2017 Impaired loans $ 1,590 $ — $ — $ 1,590 Foreclosed assets held for sale $ 1,758 $ — $ — $ 1,758

Note 15_ Disclosures About Fa_5

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule Of Financial Instruments Fair Value	December 31, 2018 December 31, 2017 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (Dollars in Thousands) Financial assets Cash and cash equivalents $ 202,742 $ 202,742 1 $ 242,253 $ 242,253 1 Held-to-maturity securities — — 2 130 131 2 Mortgage loans held for sale 1,650 1,650 2 8,203 8,203 2 Loans, net of allowance for loan losses 3,989,001 3,955,786 3 3,726,302 3,735,216 3 Accrued interest receivable 13,448 13,448 3 12,338 12,338 3 Investment in FHLB stock 12,438 12,438 3 11,182 11,182 3 Financial liabilities Deposits 3,738,107 3,730,999 3 3,597,144 3,606,400 3 FHLB advances — — 3 127,500 127,500 3 Short-term borrowings 297,978 297,978 3 97,135 97,135 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 73,842 75,188 2 73,688 76,500 2 Accrued interest payable 3,570 3,570 3 2,904 2,904 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 146 146 3 85 85 3 Lines of credit — — 3 — — 3

Note 16_ Operating Leases_ Sche

Note 16: Operating Leases: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Future Minimum Rental Payments for Operating Leases	2019 $ 958 2020 821 2021 648 2022 571 2023 443 Thereafter 837 $ 4,278

Note 17_ Derivatives and Hedg_2

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	Location in Fair Value Consolidated Statements December 31, December 31, of Financial Condition 2018 2017 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ 12,106 $ — Total derivatives designated as hedging instruments $ 12,106 $ — Derivatives not designated as hedging instruments Derivative Assets Derivatives not designated as hedging instruments Interest rate products Prepaid expenses and other assets $ 694 $ 981 Total derivatives not designated as hedging instruments $ 694 $ 981 Derivative Liabilities Derivatives not designated as hedging instruments Interest rate products Accrued expenses and other liabilities $ 716 $ 1,030 Total derivatives not designated as hedging instruments $ 716 $ 1,030

Note 17_ Derivatives and Hedg_3

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2018
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 2018 2017 2016 (In Thousands) Interest rate swap (2018) and interest rate cap (2017 and 2016), net of income taxes $ 9,345 $ 161 $ 87

Note 17_ Derivatives and Hedg_4

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Derivative Instruments, Effect on Statements of Operations	Cash Flow Hedges Year Ended December 31 2018 2017 2016 Interest Income Interest Expense Interest Income Interest Expense Interest Income Interest Expense (In Thousands) Interest rate swap (2018) and interest rate cap (2017 and 2016), net of income taxes $ 673 $ — $ — $ 244 $ — $ 225

Note 19_ Additional Cash Flow_2

Note 19: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Cash Flow, Supplemental Disclosures	2018 2017 2016 (In Thousands) Noncash Investing and Financing Activities Real estate acquired in settlement of loans $12,044 $23,780 $26,076 Sale and financing of foreclosed assets 2,578 603 3,334 Conversion of premises and equipment to foreclosed assets — — 6,985 Dividends declared but not paid 4,528 3,381 3,073 Additional Cash Payment Information Interest paid 37,091 27,724 20,476 Income taxes paid 2,569 17,563 9,554

Note 21_ Stock Compensation P_2

Note 21: Stock Compensation Plans: Schedule of Share-based Compensation, Stock Options, Activity (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Share-based Compensation, Stock Options, Activity	Weighted Available to Grant Shares Under Option Average Exercise Price Balance, January 1, 2016 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 Granted from 2013 Plan (157,800) 157,800 52.118 Exercised — (119,692) 27.352 Forfeited from terminated plan(s) — (675) 24.690 Forfeited from current plan(s) 15,837 (15,837) 41.916 Balance, December 31, 2017 77,512 682,799 38.860 Granted from 2013 Plan (1,000) 1,000 52.500 Exercised — (81,940) 27.597 Forfeited from 2013 Plan 13,773 (13,773) 45.692 Termination of 2013 Plan (90,285 — — 588,086 Available to grant from 2018 Plan 800,000 — Granted from 2018 Plan (185,750) 185,750 55.297 Forfeited from current plan(s) 600 (600) 55.000 Balance, December 31, 2018 614,850 773,236 $ 43.886

Note 21_ Stock Compensation P_3

Note 21: Stock Compensation Plans: Schedule of Fair Value Option Pricing Model Assumptions (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Fair Value Option Pricing Model Assumptions	2018 2017 2016 Expected dividends per share $1.27 $0.95 $0.88 Risk-free interest rate 2.86% 2.03% 1.27% Expected life of options 5 years 5 years 5 years Expected volatility 17.61% 23.49% 22.08% Weighted average fair value of options granted during year $8.30 $10.04 $6.59

Note 21_ Stock Compensation P_4

Note 21: Stock Compensation Plans: Schedule of Share-based Compensation, Activity (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Share-based Compensation, Activity	Weighted Weighted Average Average Remaining Exercise Contractual Options Price Term Options outstanding, January 1, 2018 682,799 $38.860 7.38 years Granted 186,750 55.282 Exercised (81,940) 27.597 Forfeited (14,373 46.081 Options outstanding, December 31, 2018 773,236 43.886 7.44 years Options exercisable, December 31, 2018 266,742 32.233 5.15 years

Note 21_ Stock Compensation P_5

Note 21: Stock Compensation Plans: Schedule of Nonvested Share Activity (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Nonvested Share Activity	Weighted Weighted Average Average Exercise Grant Date Options Price Fair Value Nonvested options, January 1, 2018 441,937 $44.842 $7.981 Granted 186,750 55.282 8.297 Vested this period (107,895) 38.433 6.398 Nonvested options forfeited (14,298 46.057 8.143 Nonvested options, December 31, 2018 506,494 50.023 8.431

Note 21_ Stock Compensation P_6

Note 21: 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, 2018
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 $16.810 to 29.640 139,920 3.89 years $25.093 139,920 $25.093 $32.590 to 38.610 97,047 5.87 years 33.038 62,291 32.819 $41.300 to 47.800 111,436 7.80 years 41.357 24,658 41.386 $50.710 to 52.500 239,683 8.11 years 51.608 39,873 50.710 $55.000 to 59.750 185,150 9.88 years 55.298 — — 773,236 7.44 years 43.886 266,742 32.233

Note 23_ Accumulated Other Co_2

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year	2018 2017 (In Thousands) Net unrealized gain on available-for-sale securities $ 365 $ 1,949 Net unrealized gain on derivatives used for cash flow hedges 12,106 — 12,471 1,949 Tax effect (2,844 (708 Net-of-tax amount $ 9,627 $ 1,241

Note 23_ Accumulated Other Co_3

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income	Amounts Reclassified from AOCI Affected Line Item in the Statements of Income 2018 2017 2016 (In Thousands) Unrealized gains on available-for-sale securities $ 2 $ — $ 2,873 Net realized gains on available-for-sale securities (total reclassified amount before tax) Income taxes — — (1,043 Tax (expense) benefit Total reclassifications out of AOCI $ 2 $ — $ 1,830

Note 26_ Summary of Unaudited_2

Note 26: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Schedule of Quarterly Financial Information	2018 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 46,882 $ 49,943 $ 52,982 $ 56,142 Interest expense 7,444 8,731 9,997 11,585 Provision for loan losses 1,950 1,950 1,300 1,950 Net realized gains available-for-sale securities — — 2 — Noninterest income 6,935 7,459 14,604 7,220 Noninterest expense 28,312 29,915 28,309 28,774 Provision for income taxes 2,645 2,967 5,464 3,765 Net income available to common shareholders 13,466 13,839 22,516 17,288 Earnings per common share – diluted 0.95 0.97 1.57 1.21 2017 Three Months Ended March 31 June 30 September 30 December 31 (In Thousands, Except Per Share Data) Interest income $ 45,413 $ 44,744 $ 46,368 $ 46,536 Interest expense 6,712 6,843 7,087 7,263 Provision for loan losses 2,250 1,950 2,950 1,950 Net realized gains (losses) on available-for-sale securities — — — — Noninterest income 7,698 15,800 7,655 7,374 Noninterest expense 28,573 28,371 28,034 29,283 Provision for income taxes 4,058 7,204 4,289 3,207 Net income 11,518 16,176 11,663 12,207 Net income available to common shareholders 11,518 16,176 11,663 12,207 Earnings per common share – diluted 0.81 1.14 0.82 0.86 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) 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

Note 27_ Condensed Parent Com_2

Note 27: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Condensed Balance Sheet -- Great Southern Bancorp, Inc.	December 31, 2018 2017 (In Thousands) Statements of Financial Condition Assets Cash $ 56,648 $ 41,977 Investment in subsidiary bank 580,016 533,153 Deferred and accrued income taxes 411 133 Prepaid expenses and other assets 889 903 $ 637,964 $ 576,166 Liabilities and Stockholders’ Equity Accounts payable and accrued expenses $ 6,371 $ 5,042 Subordinated debentures issued to capital trust 25,774 25,774 Subordinated notes 73,842 73,688 Common stock 142 141 Additional paid-in capital 30,121 28,203 Retained earnings 492,087 442,077 Accumulated other comprehensive income 9,627 1,241 $ 637,964 $ 576,166

Note 27_ Condensed Parent Com_3

Note 27: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Condensed Income Statement -- Great Southern Bancorp, Inc.	2018 2017 2016 (In Thousands) Statements of Income Income Dividends from subsidiary bank $ 34,000 $ 17,500 $ 12,000 Interest and dividend income — 48 — Gain on redemption of trust preferred securities and sale of non-marketable securities — — 2,735 Other income — — 2 34,000 17,548 14,737 Expense Operating expenses 1,793 1,330 1,322 Interest expense 5,050 5,047 2,381 6,843 6,377 3,703 Income before income tax and equity in undistributed earnings of subsidiaries 27,157 11,171 11,034 Credit for income taxes (1,204 (1,709 (241 Income before equity in earnings of subsidiaries 28,361 12,880 11,275 Equity in undistributed earnings of subsidiaries 38,748 38,684 34,067 Net income $ 67,109 $ 51,564 $ 45,342

Note 27_ Condensed Parent Com_4

Note 27: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Condensed Cash Flow Statement -- Great Southern Bancorp, Inc.	2018 2017 2016 (In Thousands) Statements of Cash Flows Operating Activities Net income $ 67,109 $ 51,564 $ 45,342 Items not requiring (providing) cash Equity in undistributed earnings of subsidiary (38,748) (38,684) (34,067) Compensation expense for stock option grants 737 564 483 Net realized gains on sales of available-for-sale securities — — (2,735) Amortization of interest rate derivative and deferred costs on subordinated notes 154 441 289 Changes in Prepaid expenses and other assets 13 132 175 Accounts payable and accrued expenses 182 (115) 1,495 Income taxes (278) 6 (206) Net cash provided by operating activities 29,169 13,908 10,776 Investing Activities Proceeds from sales of available-for-sale securities — — 3,583 Investment in subsidiary — — (60,000) (Investment)/Return of principal - other investments — — (2) Net cash used in investing activities — — (56,419) Financing Activities Proceeds from issuance of subordinated notes — — 73,472 Purchases of the Company’s common stock (903) — — Dividends paid (15,819) (12,894) (12,232) Stock options exercised 2,224 3,247 2,110 Net cash provided by (used in) financing activities (14,498) (9,647) 63,350 Increase in Cash 14,671 4,261 17,707 Cash, Beginning of Year 41,977 37,716 20,009 Cash, End of Year $ 56,648 $ 41,977 $ 37,716 Additional Cash Payment Information Interest paid $ 5,001 $ 5,059 $ 846

Note 27_ Condensed Parent Com_5

Note 27: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Tables)	12 Months Ended
	Dec. 31, 2018
Tables/Schedules
Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc.	2018 2017 2016 (In Thousands) Statements of Comprehensive Income Net Income $ 67,109 $ 51,564 $ 45,342 Unrealized appreciation on available-for-sale securities, net of — — (158) Reclassification adjustment for gains included in net income, net of — — (1,742) Change in fair value of cash flow hedge, net of taxes of $0, $93 and $50 for 2018, 2017 and 2016, respectively — 161 87 Comprehensive income (loss) of subsidiaries 8,114 (478) (2,293) Comprehensive Income $ 75,223 $ 51,247 $ 41,236

Note 1_ Nature of Operations_28

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Segment Reporting, Policy (Details)	12 Months Ended
	Dec. 31, 2018
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 Operations_29

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Impairment or Disposal of Long-Lived Assets, Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Asset Impairment Charges	$ 0	$ 0
Remaining valuation allowance related to various properties	$ 928
Other real estate owned not acquired through foreclosure
SEC Schedule, 12-09, Valuation Allowances and Reserves, Deduction			$ 430

Note 1_ Nature of Operations_30

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Schedule of Intangible Assets and Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Goodwill -- Branch acquisition	$ 5,396	$ 5,396
Finite-Lived Core Deposits, Gross	3,892	5,454
Intangible Assets, Net (Including Goodwill)	9,288	10,850
Sun Security Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	0	263
InterBank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	36	181
Boulevard Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	275	397
Valley Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	1,000	1,400
Fifth Third Bank
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	$ 2,581	$ 3,213

Note 1_ Nature of Operations_31

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Net income and net income available to common shareholders	$ 67,109	$ 51,564	$ 45,342
Weighted Average Number of Shares Outstanding, Basic	14,132	14,032	13,912
Average common share stock options outstanding	128	148	229
Weighted Average Number of Shares Outstanding, Diluted	14,260	14,180	14,141
Basic	$ 4.75	$ 3.67	$ 3.26
Diluted	$ 4.71	$ 3.64	$ 3.21

Note 1_ Nature of Operations_32

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Earnings Per Share, Policy: Options to Purchase Shares of Common Stock (Details) - shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
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	424,833	253,711	108,450

Note 1_ Nature of Operations_33

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Stock Compensation Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Allocated Share-based Compensation Expense	$ 737	$ 564	$ 483

Note 1_ Nature of Operations_34

Note 1: Nature of Operations and Summary of Significant Accounting Policies: Restrictions on Cash and Due From Banks (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Federal Reserve Bank Reserve Fund	$ 62,600	$ 59,100

Note 2_ Investments in Secur_10

Note 2: Investments in Securities: Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Available-for-sale Securities, Amortized Cost Basis	$ 243,603
Available for Sale Securities Fair Value	243,968
Available-for-sale Securities
Available-for-sale Securities, Amortized Cost Basis	243,603	$ 177,230
Available for Sale Securities Gross Unrealized Gain	2,950	3,587
Available for Sale Securities Gross Unrealized Losses	2,585	1,638
Available for Sale Securities Fair Value	243,968	179,179
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Amortized Cost Basis	154,557	123,300
Available for Sale Securities Gross Unrealized Gain	1,272	871
Available for Sale Securities Gross Unrealized Losses	2,571	1,638
Available for Sale Securities Fair Value	153,258	122,533
Collateralized Mortgage Obligations
Available-for-sale Securities, Amortized Cost Basis	39,024
Available for Sale Securities Gross Unrealized Gain	250
Available for Sale Securities Gross Unrealized Losses	14
Available for Sale Securities Fair Value	39,260
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Amortized Cost Basis	50,022	53,930
Available for Sale Securities Gross Unrealized Gain	1,428	2,716
Available for Sale Securities Gross Unrealized Losses	0	0
Available for Sale Securities Fair Value	$ 51,450	$ 56,646

Note 2_ Investments in Secur_11

Note 2: Investments in Securities: Mortgage-backed securities portfolio (Details) $ in Thousands	Dec. 31, 2018USD ($)
Fixed rates of interest
Mortgage-backed securities	$ 108,500
Variable rates of interest
Mortgage-backed securities	84,000
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC)
Agency mortgage-backed securities	37,200
Federal National Mortgage Association Certificates and Obligations (FNMA)
Agency mortgage-backed securities	92,100
Federal National Mortgage Association Certificates and Obligations (FNMA) | Fixed rates of interest
Mortgage-backed securities	56,300
Government National Mortgage Association Certificates and Obligations (GNMA)
Agency mortgage-backed securities	23,900
Agency collateralized mortgage obligations	$ 39,300

Note 2_ Investments in Secur_12

Note 2: Investments in Securities: Investments Classified by Contractual Maturity Date (Details) $ in Thousands	Dec. 31, 2018USD ($)
Details
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	$ 849
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	919
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	9,959
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	10,139
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	39,214
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	40,392
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	193,581
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	192,518
Available-for-sale Securities, Amortized Cost Basis	243,603
Available for Sale Securities Fair Value	$ 243,968

Note 2_ Investments in Secur_13

Note 2: Investments in Securities (Details) $ in Thousands	Dec. 31, 2018USD ($)
Details
Debt Securities, Held-to-maturity, Fair Value	$ 0

Note 2_ Investments in Secur_14

Note 2: Investments in Securities: Debt Securities, Held-to-maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Securities, Held-to-maturity, Fair Value	$ 0
US States and Political Subdivisions Debt Securities
Held to Maturity Securities Amortized Cost		$ 130
Held to Maturity Securities Gross Unrealized Gains		1
Held to Maturity Securities Gross Unrealized Losses		0
Debt Securities, Held-to-maturity, Fair Value		$ 131

Note 2_ Investments in Secur_15

Note 2: Investments in Securities: Schedule of Financial Instruments Owned and Pledged as Collateral (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Public Deposit
Securities Owned and Pledged As Collateral Amortized Cost	$ 9,482	$ 10,958
Security Owned and Pledged as Collateral, Fair Value	9,802	11,490
Collateralized Borrowing Accounts
Securities Owned and Pledged As Collateral Amortized Cost	148,050	120,622
Security Owned and Pledged as Collateral, Fair Value	146,337	119,776
Other Pledged Securities
Securities Owned and Pledged As Collateral Amortized Cost	763	1,579
Security Owned and Pledged as Collateral, Fair Value	761	1,601
Securities Pledged as Collateral
Securities Owned and Pledged As Collateral Amortized Cost	158,295	133,159
Security Owned and Pledged as Collateral, Fair Value	$ 156,900	$ 132,867

Note 2_ Investments in Secur_16

Note 2: Investments in Securities: Certain investments in debt securities reported at less than historical cost (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Fair value investments reported less than historical cost	$ 95,700	$ 89,700
Fair value investments reported less than historical cost percentage of investment portfolio	39.20%	50.00%

Note 2_ Investments in Secur_17

Note 2: Investments in Securities: Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 11,255	$ 33,862
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(82)	(384)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	74,186	55,845
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(2,489)	(1,254)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	85,441	89,707
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(2,571)	(1,638)
Collateralized Mortgage Obligations
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	9,725
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(14)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	9,725
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(14)
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	511	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	511	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	0	0
Unrealized Losses, Fair Value, Time in Continuous Unrealized Loss Position
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	21,491	33,862
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(96)	(384)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	74,186	55,845
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(2,489)	(1,254)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	95,677	89,707
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ (2,585)	$ (1,638)

Note 2_ Investments in Secur_18

Note 2: Investments in Securities: Other-than-temporary Impairment: Other than Temporary Impairment of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities	$ 0	$ 0	$ 0

Note 3_ Loans and Allowance _10

Note 3: Loans and Allowance for Loan Losses: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable
Loans Receivable	$ 3,989,001	$ 3,726,302
SEC Schedule, 12-09, Allowance, Loss on Finance Receivable
Loans Receivable	(38,409)	(36,492)
Land and Land Improvements
Loans Receivable	44,492	43,971
One- to four-family residential construction
Loans Receivable	26,177	20,793
Subdivision construction
Loans Receivable	13,844	18,062
Commercial construction
Loans Receivable	1,417,166	1,068,352
Owner occupied one- to four-family residential
Loans Receivable	276,866	190,515
Non-owner occupied one- to four-family residential
Loans Receivable	122,438	119,468
Commercial Real Estate
Loans Receivable	1,371,435	1,235,329
Other residential
Loans Receivable	784,894	745,645
Commercial business
Loans Receivable	322,118	353,351
Industrial revenue bonds
Loans Receivable	13,940	21,859
Automobile Loan
Loans Receivable	253,528	357,142
Consumer Loan
Loans Receivable	57,350	63,368
Home Equity Line of Credit
Loans Receivable	121,352	115,439
Acquired loans, net of discount
Loans Receivable	167,651	209,669
Loans receivable, gross
Loans Receivable	4,993,251	4,562,963
Undisbursed portion of loans in process
Loans Receivable	(958,441)	(793,669)
Deferred loan fees and gains, net
Loans Receivable	$ (7,400)	$ (6,500)

Note 3_ Loans and Allowance _11

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans Classified by Aging Analysis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable
Financing Receivables, By Class	$ 4,825,600	$ 4,353,294
Loans Receivable | Land and Land Improvements
Financing Receivables, By Class	44,492	43,971
Loans Receivable | One- to four-family residential construction
Financing Receivables, By Class	26,177	20,793
Loans Receivable | Subdivision construction
Financing Receivables, By Class	13,844	18,062
Loans Receivable | Commercial construction
Financing Receivables, By Class	1,417,166	1,068,352
Loans Receivable | Owner occupied one- to four-family residential
Financing Receivables, By Class	276,866	190,515
Loans Receivable | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	122,438	119,468
Loans Receivable | Commercial Real Estate
Financing Receivables, By Class	1,371,435	1,235,329
Loans Receivable | Other residential
Financing Receivables, By Class	784,894	745,645
Loans Receivable | Commercial business
Financing Receivables, By Class	322,118	353,351
Loans Receivable | Industrial revenue bonds
Financing Receivables, By Class	13,940	21,859
Loans Receivable | Automobile Loan
Financing Receivables, By Class	253,528	357,142
Loans Receivable | Consumer Loan
Financing Receivables, By Class	57,350	63,368
Loans Receivable | Home Equity Line of Credit
Financing Receivables, By Class	121,352	115,439
Loans Receivable | Acquired loans, net of discount
Financing Receivables, By Class	167,651	209,669
Financing Receivables, 30 to 59 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	13	54
Financing Receivables, 30 to 59 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	250
Financing Receivables, 30 to 59 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financing Receivables, 30 to 59 Days Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financing Receivables, 30 to 59 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	1,431	1,927
Financing Receivables, 30 to 59 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	1,142	947
Financing Receivables, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	3,940	8,346
Financing Receivables, 30 to 59 Days Past Due | Other residential
Financing Receivables, By Class	0	540
Financing Receivables, 30 to 59 Days Past Due | Commercial business
Financing Receivables, By Class	72	2,623
Financing Receivables, 30 to 59 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	3	0
Financing Receivables, 30 to 59 Days Past Due | Automobile Loan
Financing Receivables, By Class	2,596	5,196
Financing Receivables, 30 to 59 Days Past Due | Consumer Loan
Financing Receivables, By Class	691	464
Financing Receivables, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	229	58
Financing Receivables, 30 to 59 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	2,195	4,449
Financing Receivables, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables, By Class	10,117	20,405
Financing Receivables, 60 to 89 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	0	37
Financing Receivables, 60 to 89 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financing Receivables, 60 to 89 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financing Receivables, 60 to 89 Days Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financing Receivables, 60 to 89 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	806	71
Financing Receivables, 60 to 89 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	144	190
Financing Receivables, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	53	993
Financing Receivables, 60 to 89 Days Past Due | Other residential
Financing Receivables, By Class	0	353
Financing Receivables, 60 to 89 Days Past Due | Commercial business
Financing Receivables, By Class	54	1,282
Financing Receivables, 60 to 89 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financing Receivables, 60 to 89 Days Past Due | Automobile Loan
Financing Receivables, By Class	722	1,230
Financing Receivables, 60 to 89 Days Past Due | Consumer Loan
Financing Receivables, By Class	181	64
Financing Receivables, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	0	0
Financing Receivables, 60 to 89 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	1,416	1,951
Financing Receivables, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables, By Class	1,960	4,220
Financing Receivables Over 90 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	49	0
Financing Receivables Over 90 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	98
Financing Receivables Over 90 Days Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	1,206	904
Financing Receivables Over 90 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	1,458	1,816
Financing Receivables Over 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	334	1,226
Financing Receivables Over 90 Days Past Due | Other residential
Financing Receivables, By Class	0	1,877
Financing Receivables Over 90 Days Past Due | Commercial business
Financing Receivables, By Class	1,437	2,063
Financing Receivables Over 90 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financing Receivables Over 90 Days Past Due | Automobile Loan
Financing Receivables, By Class	1,490	2,284
Financing Receivables Over 90 Days Past Due | Consumer Loan
Financing Receivables, By Class	240	557
Financing Receivables Over 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	86	430
Financing Receivables Over 90 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	6,827	10,675
Financing Receivables Over 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	6,300	11,255
Financing Receivables Past Due | Land and Land Improvements
Financing Receivables, By Class	62	91
Financing Receivables Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	250
Financing Receivables Past Due | Subdivision construction
Financing Receivables, By Class	0	98
Financing Receivables Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financing Receivables Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	3,443	2,902
Financing Receivables Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	2,744	2,953
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables, By Class	4,327	10,565
Financing Receivables Past Due | Other residential
Financing Receivables, By Class	0	2,770
Financing Receivables Past Due | Commercial business
Financing Receivables, By Class	1,563	5,968
Financing Receivables Past Due | Industrial revenue bonds
Financing Receivables, By Class	3	0
Financing Receivables Past Due | Automobile Loan
Financing Receivables, By Class	4,808	8,710
Financing Receivables Past Due | Consumer Loan
Financing Receivables, By Class	1,112	1,085
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables, By Class	315	488
Financing Receivables Past Due | Acquired loans, net of discount
Financing Receivables, By Class	10,438	17,075
Financing Receivables Past Due | Loans Receivable
Financing Receivables, By Class	18,377	35,880
Financing Receivables Current | Land and Land Improvements
Financing Receivables, By Class	44,430	43,880
Financing Receivables Current | One- to four-family residential construction
Financing Receivables, By Class	26,177	20,543
Financing Receivables Current | Subdivision construction
Financing Receivables, By Class	13,844	17,964
Financing Receivables Current | Commercial construction
Financing Receivables, By Class	1,417,166	1,068,352
Financing Receivables Current | Owner occupied one- to four-family residential
Financing Receivables, By Class	273,423	187,613
Financing Receivables Current | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	119,694	116,515
Financing Receivables Current | Commercial Real Estate
Financing Receivables, By Class	1,367,108	1,224,764
Financing Receivables Current | Other residential
Financing Receivables, By Class	784,894	742,875
Financing Receivables Current | Commercial business
Financing Receivables, By Class	320,555	347,383
Financing Receivables Current | Industrial revenue bonds
Financing Receivables, By Class	13,937	21,859
Financing Receivables Current | Automobile Loan
Financing Receivables, By Class	248,720	348,432
Financing Receivables Current | Consumer Loan
Financing Receivables, By Class	56,238	62,283
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables, By Class	121,037	114,951
Financing Receivables Current | Acquired loans, net of discount
Financing Receivables, By Class	157,213	192,594
Financing Receivables Current | Loans Receivable
Financing Receivables, By Class	4,807,223	4,317,414
Financing Receivables, Equal to Greater than 90 Days Past Due | Land and Land Improvements
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial construction
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	0	58
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Other residential
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial business
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Automobile Loan
Financing Receivables, By Class	0	12
Financing Receivables, Equal to Greater than 90 Days Past Due | Consumer Loan
Financing Receivables, By Class	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	0	26
Financing Receivables, Equal to Greater than 90 Days Past Due | Acquired loans, net of discount
Financing Receivables, By Class	0	272
Financing Receivables, Equal to Greater than 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	$ 0	$ 96

Note 3_ Loans and Allowance _12

Note 3: Loans and Allowance for Loan Losses: Schedule of Financing Receivables, Non Accrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 6,300	$ 11,159
Land and Land Improvements
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
One- to four-family residential construction
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
Subdivision construction
Financing Receivable, Recorded Investment, Nonaccrual Status	49	98
Commercial construction
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
Owner occupied one- to four-family residential
Financing Receivable, Recorded Investment, Nonaccrual Status	1,206	904
Non-owner occupied one- to four-family residential
Financing Receivable, Recorded Investment, Nonaccrual Status	1,458	1,758
Commercial Real Estate
Financing Receivable, Recorded Investment, Nonaccrual Status	334	1,226
Other residential
Financing Receivable, Recorded Investment, Nonaccrual Status	0	1,877
Commercial business
Financing Receivable, Recorded Investment, Nonaccrual Status	1,437	2,063
Industrial revenue bonds
Financing Receivable, Recorded Investment, Nonaccrual Status	0	0
Automobile Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	1,490	2,272
Consumer Loan
Financing Receivable, Recorded Investment, Nonaccrual Status	240	557
Home Equity Line of Credit
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 86	$ 404

Note 3_ Loans and Allowance _13

Note 3: Loans and Allowance for Loan Losses: Schedule of Loans and Leases Receivable Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans Receivable
Provision (benefit) charged to expense	$ 7,150	$ 9,100	$ 9,281
Losses charged off	(11,356)	(16,077)	(15,269)
Recoveries	6,123	6,069	5,239
Individually evaluated for impairment	2,041	3,951	6,362
Collectively evaluated for impairment	35,947	32,081	30,413
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	421	460	625
Individually evaluated for impairment	13,939	25,334	34,281
Collectively evaluated for impairment	4,811,661	4,327,960	4,070,108
Financing Receivables Acquired and Evaluated for Impairment	167,651	209,669	283,159
Loans Receivable | Balance, Beginning of Period
Financing Receivable, Allowance for Credit Losses	36,492	37,400	38,149
Loans Receivable | Balance, End of Period
Financing Receivable, Allowance for Credit Losses	38,409	36,492	37,400
One- to four-family residential construction
Provision (benefit) charged to expense	742	(158)	(2,407)
Losses charged off	(62)	(165)	(229)
Recoveries	334	109	58
Individually evaluated for impairment	694	513	570
Collectively evaluated for impairment	2,392	1,564	1,628
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	36	31	124
Individually evaluated for impairment	6,116	6,950	6,015
Collectively evaluated for impairment	433,209	341,888	370,172
Financing Receivables Acquired and Evaluated for Impairment	93,841	120,295	155,378
One- to four-family residential construction | Balance, Beginning of Period
Financing Receivable, Allowance for Credit Losses	2,108	2,322	4,900
One- to four-family residential construction | Balance, End of Period
Financing Receivable, Allowance for Credit Losses	3,122	2,108	2,322
Other residential
Provision (benefit) charged to expense	1,982	(2,356)	2,260
Losses charged off	(525)	(488)	(16)
Recoveries	417	197	52
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	4,681	2,813	5,396
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	32	26	90
Individually evaluated for impairment	0	2,907	3,812
Collectively evaluated for impairment	784,894	742,738	659,566
Financing Receivables Acquired and Evaluated for Impairment	12,790	14,877	29,600
Other residential | Balance, Beginning of Period
Financing Receivable, Allowance for Credit Losses	2,839	5,486	3,190
Other residential | Balance, End of Period
Financing Receivable, Allowance for Credit Losses	4,713	2,839	5,486
Commercial Real Estate
Provision (benefit) charged to expense	1,094	4,234	5,632
Losses charged off	(102)	(1,656)	(5,653)
Recoveries	172	123	1,221
Individually evaluated for impairment	613	599	2,209
Collectively evaluated for impairment	18,958	17,843	13,507
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	232	197	222
Individually evaluated for impairment	3,501	8,315	10,507
Collectively evaluated for impairment	1,367,934	1,227,014	1,176,399
Financing Receivables Acquired and Evaluated for Impairment	33,620	39,210	54,208
Commercial Real Estate | Balance, Beginning of Period
Financing Receivable, Allowance for Credit Losses	18,639	15,938	14,738
Commercial Real Estate | Balance, End of Period
Financing Receivable, Allowance for Credit Losses	19,803	18,639	15,938
Commercial construction
Provision (benefit) charged to expense	1,031	(643)	(827)
Losses charged off	(87)	(420)	(31)
Recoveries	394	546	123
Individually evaluated for impairment	0	0	1,291
Collectively evaluated for impairment	3,029	1,690	953
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	76	77	40
Individually evaluated for impairment	14	15	6,023
Collectively evaluated for impairment	1,461,644	1,112,308	825,215
Financing Receivables Acquired and Evaluated for Impairment	4,093	3,806	2,191
Commercial construction | Balance, Beginning of Period
Financing Receivable, Allowance for Credit Losses	1,767	2,284	3,019
Commercial construction | Balance, End of Period
Financing Receivable, Allowance for Credit Losses	3,105	1,767	2,284
Commercial business
Provision (benefit) charged to expense	(1,613)	1,475	(926)
Losses charged off	(1,155)	(1,489)	(589)
Recoveries	755	580	327
Individually evaluated for impairment	309	2,140	1,295
Collectively evaluated for impairment	1,247	1,369	1,681
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	12	72	39
Individually evaluated for impairment	1,844	3,018	4,539
Collectively evaluated for impairment	334,214	372,192	369,154
Financing Receivables Acquired and Evaluated for Impairment	4,347	5,275	6,429
Commercial business | Balance, Beginning of Period
Financing Receivable, Allowance for Credit Losses	3,581	3,015	4,203
Commercial business | Balance, End of Period
Financing Receivable, Allowance for Credit Losses	1,568	3,581	3,015
Consumer Loan
Provision (benefit) charged to expense	3,914	6,548	5,549
Losses charged off	(9,425)	(11,859)	(8,751)
Recoveries	4,051	4,514	3,458
Individually evaluated for impairment	425	699	997
Collectively evaluated for impairment	5,640	6,802	7,248
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Provision for Loan Losses	33	57	110
Individually evaluated for impairment	2,464	4,129	3,385
Collectively evaluated for impairment	429,766	531,820	669,602
Financing Receivables Acquired and Evaluated for Impairment	18,960	26,206	35,353
Consumer Loan | Balance, Beginning of Period
Financing Receivable, Allowance for Credit Losses	7,558	8,355	8,099
Consumer Loan | Balance, End of Period
Financing Receivable, Allowance for Credit Losses	$ 6,098	$ 7,558	$ 8,355

Note 3_ Loans and Allowance _14

Note 3: Loans and Allowance for Loan Losses: Weighted Average Interest Rate on Loans Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans Receivable, Weighted Average Interest Rate	5.16%	4.74%
Commercial loan participations sold to other financial institutions	$ 181,500	$ 164,800
Residential mortgage loans sold	78,700	89,200
Unpaid principal balances
Loans serviced for others	260,200	254,000
Unused lines of Credit
Loans serviced for others	$ 121,000	$ 37,800

Note 3_ Loans and Allowance _15

Note 3: Loans and Allowance for Loan Losses: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans Receivable
Impaired Financing Receivable, Recorded Investment	$ 13,939	$ 25,334	$ 34,281
Impaired Financing Receivable, Unpaid Principal Balance	15,579	27,655	36,823
Impaired Financing Receivable, Related Allowance	2,041	3,951	6,362
Impaired Financing Receivable, Average Recorded Investment	20,004	30,193	50,012
Impaired Financing Receivable Interest Income Recognized	1,346	1,588	2,315
Land and Land Improvements
Impaired Financing Receivable, Recorded Investment	14	15	6,023
Impaired Financing Receivable, Unpaid Principal Balance	18	18	6,120
Impaired Financing Receivable, Related Allowance	0	0	1,291
Impaired Financing Receivable, Average Recorded Investment	14	1,793	8,020
Impaired Financing Receivable Interest Income Recognized	1	24	304
One- to four-family residential construction
Impaired Financing Receivable, Recorded Investment	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	193	0
Impaired Financing Receivable Interest Income Recognized	0	0	0
Subdivision construction
Impaired Financing Receivable, Recorded Investment	318	349	818
Impaired Financing Receivable, Unpaid Principal Balance	318	367	829
Impaired Financing Receivable, Related Allowance	105	114	131
Impaired Financing Receivable, Average Recorded Investment	321	584	948
Impaired Financing Receivable Interest Income Recognized	17	22	46
Commercial construction
Impaired Financing Receivable, Recorded Investment	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0
Owner occupied one- to four-family residential
Impaired Financing Receivable, Recorded Investment	3,576	3,405	3,290
Impaired Financing Receivable, Unpaid Principal Balance	3,926	3,723	3,555
Impaired Financing Receivable, Related Allowance	285	331	374
Impaired Financing Receivable, Average Recorded Investment	3,406	3,405	3,267
Impaired Financing Receivable Interest Income Recognized	197	166	182
Non-owner occupied one- to four-family residential
Impaired Financing Receivable, Recorded Investment	2,222	3,196	1,907
Impaired Financing Receivable, Unpaid Principal Balance	2,519	3,465	2,177
Impaired Financing Receivable, Related Allowance	304	68	65
Impaired Financing Receivable, Average Recorded Investment	2,870	2,419	1,886
Impaired Financing Receivable Interest Income Recognized	158	165	113
Commercial Real Estate
Impaired Financing Receivable, Recorded Investment	3,501	8,315	10,507
Impaired Financing Receivable, Unpaid Principal Balance	3,665	8,490	12,121
Impaired Financing Receivable, Related Allowance	613	599	2,209
Impaired Financing Receivable, Average Recorded Investment	6,216	9,075	23,928
Impaired Financing Receivable Interest Income Recognized	337	567	984
Other residential
Impaired Financing Receivable, Recorded Investment	0	2,907	3,812
Impaired Financing Receivable, Unpaid Principal Balance	0	2,907	3,812
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	1,026	3,553	6,813
Impaired Financing Receivable Interest Income Recognized	20	147	258
Commercial business
Impaired Financing Receivable, Recorded Investment	1,844	3,018	4,539
Impaired Financing Receivable, Unpaid Principal Balance	2,207	4,222	4,652
Impaired Financing Receivable, Related Allowance	309	2,140	1,295
Impaired Financing Receivable, Average Recorded Investment	2,932	5,384	2,542
Impaired Financing Receivable Interest Income Recognized	362	173	185
Industrial revenue bonds
Impaired Financing Receivable, Recorded Investment	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0
Automobile Loan
Impaired Financing Receivable, Recorded Investment	1,874	2,713	2,097
Impaired Financing Receivable, Unpaid Principal Balance	2,114	2,898	2,178
Impaired Financing Receivable, Related Allowance	336	484	629
Impaired Financing Receivable, Average Recorded Investment	2,069	2,383	1,307
Impaired Financing Receivable Interest Income Recognized	167	222	141
Consumer Loan
Impaired Financing Receivable, Recorded Investment	479	825	812
Impaired Financing Receivable, Unpaid Principal Balance	684	917	887
Impaired Financing Receivable, Related Allowance	72	124	244
Impaired Financing Receivable, Average Recorded Investment	738	906	884
Impaired Financing Receivable Interest Income Recognized	59	69	70
Home Equity Line of Credit
Impaired Financing Receivable, Recorded Investment	111	591	476
Impaired Financing Receivable, Unpaid Principal Balance	128	648	492
Impaired Financing Receivable, Related Allowance	17	91	124
Impaired Financing Receivable, Average Recorded Investment	412	498	417
Impaired Financing Receivable Interest Income Recognized	$ 28	$ 33	$ 32

Note 3_ Loans and Allowance _16

Note 3: Loans and Allowance for Loan Losses: Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Impaired Loans With Specific Valuation Allowance	$ 8,400	$ 12,700	$ 18,100
Impaired Loans Valuation Allowance	2,000	4,000	6,400
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	$ 1,000	$ 1,200	$ 1,500

Note 3_ Loans and Allowance _17

Note 3: Loans and Allowance for Loan Losses: Troubled Debt Restructurings on Financing Receivables (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Contractual Interest Rate Reduction | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount	$ 0
Contractual Interest Rate Reduction | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount	1,348
Contractual Interest Rate Reduction | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount	0	$ 0
Contractual Interest Rate Reduction | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	0	0
Contractual Interest Rate Reduction | Modifications
Loan Restructuring, Trial Modifications, Amount	1,348	0
Contractual Interest Rate Reduction | Commercial business
Loan Restructuring, Trial Modifications, Amount		0
Extended Maturity | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount	31
Extended Maturity | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount	0
Extended Maturity | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount	0	0
Extended Maturity | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	535	245
Extended Maturity | Modifications
Loan Restructuring, Trial Modifications, Amount	566	261
Extended Maturity | Commercial business
Loan Restructuring, Trial Modifications, Amount		16
Combination of Interest and Term | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount	0
Combination of Interest and Term | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount	0
Combination of Interest and Term | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount	106	5,759
Combination of Interest and Term | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	0	0
Combination of Interest and Term | Modifications
Loan Restructuring, Trial Modifications, Amount	106	6,033
Combination of Interest and Term | Commercial business
Loan Restructuring, Trial Modifications, Amount		274
Loan Restructuring Modification | Land and Land Improvements
Loan Restructuring, Trial Modifications, Amount	31
Loan Restructuring Modification | Residential one-to-four family
Loan Restructuring, Trial Modifications, Amount	1,348
Loan Restructuring Modification | Commercial Real Estate
Loan Restructuring, Trial Modifications, Amount	106	5,759
Loan Restructuring Modification | Consumer Loan
Loan Restructuring, Trial Modifications, Amount	535	245
Loan Restructuring Modification | Modifications
Loan Restructuring, Trial Modifications, Amount	$ 2,020	6,294
Loan Restructuring Modification | Commercial business
Loan Restructuring, Trial Modifications, Amount		$ 290

Note 3_ Loans and Allowance _18

Note 3: Loans and Allowance for Loan Losses: Loans Modified in Troubled Debt Restructurings by Segment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Troubled Debt Restructurings Total Modifications	$ 6,900	$ 15,000
Total Troubled Debt Restructurings Accruing Interest	$ 4,700	12,300
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0
Substandard
Troubled Debt Restructurings	$ 2,500	8,800
Construction and land development
Troubled Debt Restructured Loans and Impaired	283	266
Single family residential
Troubled Debt Restructured Loans and Impaired	3,900
Commercial Real Estate
Troubled Debt Restructured Loans and Impaired	1,300	7,100
Commercial business
Troubled Debt Restructured Loans and Impaired	548	867
Consumer Loan
Troubled Debt Restructured Loans and Impaired	803	617
Troubled Debt Restructurings Returned to Accrual Status	$ 87
Single family and multi-family residential
Troubled Debt Restructured Loans and Impaired		$ 6,200

Note 3_ Loans and Allowance _19

Note 3: Loans and Allowance for Loan Losses: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Satisfactory | Loans Receivable
Loan Portfolio Internal Grading System Classification	$ 4,958,837	$ 4,518,002
Satisfactory | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	39,892	39,171
Satisfactory | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	25,803	20,275
Satisfactory | Subdivision construction
Loan Portfolio Internal Grading System Classification	12,077	15,602
Satisfactory | Commercial construction
Loan Portfolio Internal Grading System Classification	1,417,166	1,068,352
Satisfactory | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	274,661	188,706
Satisfactory | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	119,951	117,103
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,357,987	1,218,431
Satisfactory | Other residential
Loan Portfolio Internal Grading System Classification	784,393	742,237
Satisfactory | Commercial business
Loan Portfolio Internal Grading System Classification	315,518	344,479
Satisfactory | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	13,940	21,859
Satisfactory | Automobile Loan
Loan Portfolio Internal Grading System Classification	251,824	354,588
Satisfactory | Consumer Loan
Loan Portfolio Internal Grading System Classification	56,859	62,682
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	121,134	114,860
Satisfactory | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	167,632	209,657
Watch | Loans Receivable
Loan Portfolio Internal Grading System Classification	24,792	25,816
Watch | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	4,600	4,800
Watch | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	374	518
Watch | Subdivision construction
Loan Portfolio Internal Grading System Classification	1,718	2,362
Watch | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Watch | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	43	0
Watch | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	941	389
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	11,061	9,909
Watch | Other residential
Loan Portfolio Internal Grading System Classification	501	1,532
Watch | Commercial business
Loan Portfolio Internal Grading System Classification	5,163	6,306
Watch | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Watch | Automobile Loan
Loan Portfolio Internal Grading System Classification	116	0
Watch | Consumer Loan
Loan Portfolio Internal Grading System Classification	157	0
Watch | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	118	0
Watch | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial business
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Automobile Loan
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Consumer Loan
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Loans Receivable
Loan Portfolio Internal Grading System Classification	9,622	18,645
Substandard | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Substandard | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Subdivision construction
Loan Portfolio Internal Grading System Classification	49	98
Substandard | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	2,162	1,809
Substandard | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	1,546	1,976
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	2,387	6,989
Substandard | Other residential
Loan Portfolio Internal Grading System Classification	0	1,876
Substandard | Commercial business
Loan Portfolio Internal Grading System Classification	1,437	2,066
Substandard | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Automobile Loan
Loan Portfolio Internal Grading System Classification	1,588	2,554
Substandard | Consumer Loan
Loan Portfolio Internal Grading System Classification	334	686
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	100	579
Substandard | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	19	12
Doubtful | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	500
Doubtful | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial business
Loan Portfolio Internal Grading System Classification	0	500
Doubtful | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Automobile Loan
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Consumer Loan
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	0	0
Unlikely to be Collected Financing Receivable | Loans Receivable
Loan Portfolio Internal Grading System Classification	4,993,251	4,562,963
Unlikely to be Collected Financing Receivable | Land and Land Improvements
Loan Portfolio Internal Grading System Classification	44,492	43,971
Unlikely to be Collected Financing Receivable | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	26,177	20,793
Unlikely to be Collected Financing Receivable | Subdivision construction
Loan Portfolio Internal Grading System Classification	13,844	18,062
Unlikely to be Collected Financing Receivable | Commercial construction
Loan Portfolio Internal Grading System Classification	1,417,166	1,068,352
Unlikely to be Collected Financing Receivable | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	276,866	190,515
Unlikely to be Collected Financing Receivable | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	122,438	119,468
Unlikely to be Collected Financing Receivable | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,371,435	1,235,329
Unlikely to be Collected Financing Receivable | Other residential
Loan Portfolio Internal Grading System Classification	784,894	745,645
Unlikely to be Collected Financing Receivable | Commercial business
Loan Portfolio Internal Grading System Classification	322,118	353,351
Unlikely to be Collected Financing Receivable | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	13,940	21,859
Unlikely to be Collected Financing Receivable | Automobile Loan
Loan Portfolio Internal Grading System Classification	253,528	357,142
Unlikely to be Collected Financing Receivable | Consumer Loan
Loan Portfolio Internal Grading System Classification	57,350	63,368
Unlikely to be Collected Financing Receivable | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	121,352	115,439
Unlikely to be Collected Financing Receivable | Acquired loans, net of discount
Loan Portfolio Internal Grading System Classification	$ 167,651	$ 209,669

Note 3_ Loans and Allowance _20

Note 3: Loans and Allowance for Loan Losses: Schedule of Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
New loans for related parties during the period	$ 17,141	$ 19,734
Payments	(28,165)	(4,486)
Balance, Beginning of Period
Related Party Transaction, Amounts of Transaction	40,041	24,793
Balance, End of Period
Related Party Transaction, Amounts of Transaction	$ 29,017	$ 40,041

Note 4_ Acquired Loans, Loss_10

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy: Business Acquisition, InterBank Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
InterBank
Premium Recorded in Conjunction with Fair Value of Acquired Loans and Amount Amortized to Yield	$ 175	$ 269	$ 359

Note 4_ Acquired Loans, Loss_11

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Business Combinations Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Valley Bank
Premium Recorded in Conjunction with Fair Value of Acquired Loans and Amount Amortized to Yield	$ 11	$ 217	$ 491

Note 4_ Acquired Loans, Loss_12

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Loss Sharing Agreements (Details) - USD ($) $ in Thousands	Jun. 09, 2017	Apr. 26, 2016
TeamBank
Cash Received from FDIC Loss Sharing Reimbursements		$ 4,400
Vantus Bank
Cash Received from FDIC Loss Sharing Reimbursements		4,400
Sun Security Bank
Cash Received from FDIC Loss Sharing Reimbursements		$ 4,400
InterBank
Cash Received from FDIC Loss Sharing Reimbursements	$ 15,000
Gain Realized on Termination of Loss Sharing Agreements	$ 7,700

Note 4_ Acquired Loans, Loss_13

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Increase in accretable yield due to increased cash flow expectations	$ 5,202	$ 1,333	$ 10,598
Decrease in FDIC indemnification asset as a result of accretable yield increase	$ 0	$ 0	$ (2,744)

Note 4_ Acquired Loans, Loss_14

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, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Impact of Acquired Loan Pools on Interest Income	$ 5,134	$ 5,014	$ 16,393
Impact of acquired loan pools on non-interest income	0	(634)	(7,033)
Net impact of acquired loan pools to pre-tax income	$ 5,134	$ 4,380	$ 9,360

Note 4_ Acquired Loans, Loss_15

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Policy (Details)	12 Months Ended
	Dec. 31, 2018
TeamBank
Business Combination, Indemnification Assets, Description	Through December 31, 2018, gross loan balances (due from borrowers) were reduced approximately $425.6 million since the transaction date because of $293.0 million of repayments by the borrowers, $61.7 million of transfers to foreclosed assets and $70.9 million of charge-downs to customer loan balances
Vantus Bank
Business Combination, Indemnification Assets, Description	Through December 31, 2018, gross loan balances (due from borrowers) were reduced approximately $317.5 million since the transaction date because of $271.9 million of repayments by the borrowers, $16.7 million of transfers to foreclosed assets and $28.9 million of charge-downs to customer loan balances.
Sun Security Bank
Business Combination, Indemnification Assets, Description	Through December 31, 2018, gross loan balances (due from borrowers) were reduced approximately $213.3 million since the transaction date because of $153.9 million of repayments by the borrowers, $28.6 million of transfers to foreclosed assets and $30.8 million of charge-downs to customer loan balances.
InterBank
Business Combination, Indemnification Assets, Description	Through December 31, 2018, gross loan balances (due from borrowera) were reduced approximately $308.2 million since the transaction date because of $265.8 million of repayments by the borrowers, $20.0 million of transfers to foreclosed assets and $22.4 million of charge-offs to customer loan balances.
Valley Bank
Business Combination, Indemnification Assets, Description	Through December 31, 2018, gross loan balances (due from borrowera) were reduced approximately $139.7 million since the transaction date because of $127.7 million of repayments by the borrowers, $4.0 million of transfers to foreclosed assets and $8.0 million of charge-offs to customer loan balances.

Note 4_ Acquired Loans, Loss_16

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: FDIC Indemnification Asset Roll Forward (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
TeamBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	$ 10,602	$ 13,668
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(399)	(589)
Original estimated fair value of assets, net of activity since acquisition date	(10,106)	(12,948)
Expected loss remaining	97	131
TeamBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	0	35
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	0	0
Original estimated fair value of assets, net of activity since acquisition date	0	(35)
Expected loss remaining	0	0
Vantus Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	14,097	18,965
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(58)	(131)
Original estimated fair value of assets, net of activity since acquisition date	(13,809)	(18,605)
Expected loss remaining	230	229
Vantus Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	0	15
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	0	0
Original estimated fair value of assets, net of activity since acquisition date	0	(15)
Expected loss remaining	0	0
Sun Security Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	21,171	26,787
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(342)	(494)
Original estimated fair value of assets, net of activity since acquisition date	(20,171)	(25,348)
Expected loss remaining	658	945
Sun Security Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	91	306
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	0	0
Original estimated fair value of assets, net of activity since acquisition date	(61)	(299)
Expected loss remaining	30	7
InterBank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	85,106	112,399
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(1,695)	(972)
Original estimated fair value of assets, net of activity since acquisition date	(74,436)	(98,321)
Expected loss remaining	9,074	13,380
Non-credit premium (discount), net of activity since acquisition date	99	274
InterBank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	121	2,012
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	0	0
Original estimated fair value of assets, net of activity since acquisition date	(106)	(1,785)
Expected loss remaining	15	227
Non-credit premium (discount), net of activity since acquisition date	0	0
Valley Bank Loans
Initial basis for loss sharing determination, net of activity since acquisition date	53,470	59,997
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	(169)	(411)
Original estimated fair value of assets, net of activity since acquisition date	(49,124)	(54,442)
Expected loss remaining	4,177	5,155
Non-credit premium (discount), net of activity since acquisition date		11
Valley Bank Foreclosed Assets
Initial basis for loss sharing determination, net of activity since acquisition date	1,233	1,673
Reclassification from nonaccretable discount to accretable discount due to change in expected losses (net of accretion to date)	0	0
Original estimated fair value of assets, net of activity since acquisition date	(1,233)	(1,667)
Expected loss remaining	$ 0	6
Non-credit premium (discount), net of activity since acquisition date		$ 0

Note 4_ Acquired Loans, Loss_17

Note 4: Acquired Loans, Loss Sharing Agreements and FDIC Indemnification Assets: Schedule of Accretable Yield Changes for Acquired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
TeamBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	$ (1,042)	$ (1,563)	$ (1,834)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	327	1,157	506
TeamBank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)			3,805
TeamBank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,356	2,071	2,477
Vantus Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(1,196)	(1,373)	(1,877)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	778	676	1,064
Vantus Bank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)			3,360
Vantus Bank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,432	1,850	2,547
Sun Security Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(1,667)	(2,251)	(3,832)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	1,008	875	2,185
Sun Security Bank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)			5,924
Sun Security Bank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	2,242	2,901	4,277
InterBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(8,349)	(7,505)	(13,964)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	8,269	4,067	6,129
InterBank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)			16,347
InterBank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	4,994	5,074	8,512
Valley Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(3,892)	(5,823)	(11,933)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Reclassifications from Nonaccretable Difference	4,260	3,721	8,414
Valley Bank | Balance, Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)			8,316
Valley Bank | Balance, End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	$ 3,063	$ 2,695	$ 4,797

Note 5_ Other Real Estate Own_4

Note 5: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Foreclosed Assets	$ 5,480	$ 16,575
Foreclosed assets held for sale and repossessions | Other real estate owned not acquired through foreclosure
Foreclosed Assets	1,559	1,628
Foreclosed assets held for sale and repossessions | Other real estate owned and repossessions
Foreclosed Assets	8,440	22,002
Foreclosed assets held for sale and repossessions | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts
Foreclosed Assets	167	2,133
Foreclosed assets held for sale and repossessions | Acquired foreclosed assets no longer covered by FDIC loss sharing agreements, net of discounts | Valley Bank
Foreclosed Assets	1,234	1,666
Foreclosed assets held for sale and repossessions | Foreclosed assets held for sale and repossessions, net
Foreclosed Assets	6,881	20,374
Foreclosed assets held for sale and repossessions | Land and Land Improvements
Foreclosed Assets	3,191	7,229
Foreclosed assets held for sale and repossessions | One- to four-family residential construction
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | Subdivision construction
Foreclosed Assets	1,092	5,413
Foreclosed assets held for sale and repossessions | Commercial construction
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | One- to four-family residential
Foreclosed Assets	269	112
Foreclosed assets held for sale and repossessions | Other residential
Foreclosed Assets	0	140
Foreclosed assets held for sale and repossessions | Commercial Real Estate
Foreclosed Assets	0	1,694
Foreclosed assets held for sale and repossessions | Commercial business
Foreclosed Assets	0	0
Foreclosed assets held for sale and repossessions | Consumer Loan
Foreclosed Assets	$ 928	$ 1,987

Note 5_ Other Real Estate Own_5

Note 5: Other Real Estate Owned (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Acquired loans | Previously covered by loss sharing agreements
Mortgage Loans in Process of Foreclosure, Amount	$ 873	$ 2,800
Acquired loans | Previously covered by loss sharing agreements | Valley Bank
Mortgage Loans in Process of Foreclosure, Amount	171	208
Residential Mortgage
Mortgage Loans in Process of Foreclosure, Amount	1,300	3,200
Residential Mortgage | Acquired loans
Mortgage Loans in Process of Foreclosure, Amount	$ 1,000	$ 3,000

Note 5_ Other Real Estate Own_6

Note 5: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Net (gain) loss on sales of other real estate owned	$ (2,522)	$ (2,212)	$ (68)
Valuation write-downs on foreclosed assets	3,897	1,585	431
Operating expenses, net of rental income	3,544	4,556	3,748
Expense on other real estate and repossessions	$ 4,919	$ 3,929	$ 4,111

Note 6_ Premises and Equipmen_2

Note 6: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Land	$ 40,508	$ 42,312
Buildings and improvements	95,039	97,464
Furniture, fixtures and equipment	54,327	53,841
Property, Plant and Equipment, Gross	189,874	193,617
Less accumulated depreciation	57,450	55,599
Premises and equipment, net	$ 132,424	$ 138,018

Note 7_ Investments in Limite_6

Note 7: Investments in Limited Partnerships: Investments in Affordable Housing Partnerships Policy (Details) $ in Thousands	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Details
Number of Investments in Affordable Housing Partnerships	17	16
Investments in Affordable Housing Partnerships Carrying Value, Net	$ 22,900	$ 18,200	$ 22,900	$ 18,200
Federal Affordable Housing Tax Credits	33,100		33,100
Expected Amortization of Investments in Affordable Housing Partnerships	29,300		29,300
Usage of Federal Affordable Housing Tax Credits	$ 6,600	$ 6,600	6,600	6,600	$ 6,200
Actual Amortization of Investments in Affordable Housing Partnerships			$ 5,000	$ 5,200	$ 4,400

Note 7_ Investments in Limite_7

Note 7: Investments in Limited Partnerships: Investments in Community Development Entities Policy (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Investments in Community Development Entities Net Carrying Amount	$ 365	$ 940
Usage of Investment in Community Development Entities Federal New Market Tax Credits	480	1,200	$ 2,300
Actual Amortization of Investment in Community Development Entities	$ 575	$ 930	$ 1,700

Note 8_ Deposits_ Deposit Lia_2

Note 8: Deposits: Deposit Liabilities, Type (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Noninterest-bearing Deposit Liabilities	$ 661,061	$ 661,589
Demand Deposit Accounts	2,133,596	2,227,300
Time Deposits	1,591,411	1,369,844
Deposits, Domestic	3,725,007	3,597,144
Weighted Average Interest Rate | 0.46% - 0.32%
Interest-bearing Domestic Deposit, Demand	1,472,535	1,565,711
Weighted Average Interest Rate | 0% - 0.99%
Time Deposits	150,656	254,502
Weighted Average Interest Rate | 1% - 1.99%
Time Deposits	511,873	1,006,373
Weighted Average Interest Rate | 2% - 2.99%
Time Deposits	857,973	106,888
Weighted Average Interest Rate | 3% - 3.99%
Time Deposits	69,793	701
Weighted Average Interest Rate | 4% - 4.99%
Time Deposits	1,116	1,108
Weighted Average Interest Rate | 5% and above
Time Deposits	$ 0	$ 272

Note 8_ Deposits_ Weighted Aver

Note 8: Deposits: Weighted Average Interest Rate on Certificates of Deposit (Details)	Dec. 31, 2018	Dec. 31, 2017
Details
Weighted average interest rate on certificates of deposit	1.98%	1.24%

Note 8_ Deposits_ Originated Ce

Note 8: Deposits: Originated Certificates of Deposit and Brokered Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Amount of certificates of deposit greater than $100,000 originated	$ 733,900	$ 598,200
Interest-bearing Domestic Deposit, Brokered	$ 326,900	$ 260,000

Note 8_ Deposits_ Maturities _2

Note 8: Deposits: Maturities of certificates of deposit (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Time Deposits	$ 1,591,411	$ 1,369,844
Certificates of Deposit
2,019	1,215,822
2,020	259,704
2,021	73,724
2,022	26,012
2,023	14,705
Thereafter	1,444
Time Deposits	1,591,411
Certificates of Deposit | Retail
2,019	928,900
2,020	219,704
2,021	73,724
2,022	26,012
2,023	14,705
Thereafter	1,444
Time Deposits	1,264,489
Certificates of Deposit | Brokered
2,019	286,922
2,020	40,000
2,021	0
2,022	0
2,023	0
Thereafter	0
Time Deposits	$ 326,922

Note 8_ Deposits_ Schedule of_2

Note 8: Deposits: Schedule of Interest Expense on Deposit Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Checking and savings accounts	$ 5,982	$ 4,699	$ 3,888
Certificate accounts	22,149	16,009	13,598
Early withdrawal penalties	(174)	(113)	(99)
Interest Expense, Customer Deposits	$ 27,957	$ 20,595	$ 17,387

Note 9_ Advances From Federal_3

Note 9: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Federal Home Loan Bank, Advances, Maturities Summary, Due in Remainder of Fiscal Year	$ 0	$ 127,500
Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Next Twelve Rolling Months	0.00%	1.53%
Federal Home Loan Bank, Advances, Maturities Summary, Due in Rolling Year Two	$ 0	$ 0
Federal Home Loan Bank Advances, Weighted Average Interest Rate, Maturing in Rolling Year Two	0.00%	0.00%
Federal Home Loan Bank, Advances, Maturities Summary, Due in Rolling Year Three	$ 0
Federal Home Loan Bank Advances, Weighted Average Interest Rate, Maturing in Rolling Year Three	0.00%	0.00%
Federal Home Loan Bank, Advances, Maturities Summary, in Rolling Year Two		$ 0
Federal Home Loan Bank, Advances, Maturities Summary, Due in Rolling Year Four	$ 0
Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Rolling Year Four	0.00%	0.00%
Federal Home Loan Bank, Advances, Maturities Summary, in Rolling Year Three		$ 0
Federal Home Loan Bank, Advances, Maturities Summary, Due in Rolling Year Five	$ 0	$ 0
Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Rolling Year Five	0.00%	0.00%
Federal Home Loan Bank, Advances, Maturities Summary, Due after Rolling Year Five	$ 0
Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing after Rolling Year Five	0.00%	0.00%
Federal Home Loan Bank Advances	$ 0	$ 127,500
Federal Home Loan Bank, Advances, Weighted Average Interest Rate	0.00%	1.53%

Note 9_ Advances From Federal_4

Note 9: Advances From Federal Home Loan Bank: Collateral for Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 1,360,000	$ 1,110,000
Federal Home Loan Bank of Des Moines
Long-term Line of Credit	$ 666,800

Note 10_ Short-Term Borrowing_3

Note 10: Short-Term Borrowings: Schedule of Short-term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Notes payable (Community Development) - Equity Funds	$ 1,625	$ 1,604
Other interest-bearing liabilities	13,100	0
Other Short-term Borrowings	178,000	15,000
Securities for Reverse Repurchase Agreements	105,253	80,531
Short-term Debt, Fair Value	$ 297,978	$ 97,135

Note 10_ Short-Term Borrowing_4

Note 10: Short-Term Borrowings: Short-term borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Short-term Debt, Weighted Average Interest Rate, at Point in Time	1.68%	0.30%
Short-term borrowings average	$ 137,300	$ 186,400
Short term borrowing maximum amounts outstanding at any month end	$ 298,000	$ 297,400

Note 10_ Short-Term Borrowing_5

Note 10: Short-Term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Securities Sold under Agreements to Repurchase	$ 105,253	$ 80,531
Financial Assets Sold under Agreement to Repurchase | Maturity Overnight | Mortgage Backed Securities, Other
Securities Sold under Agreements to Repurchase	$ 105,253	$ 80,531

Note 11_ Federal Reserve Bank_2

Note 11: Federal Reserve Bank Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Federal Reserve Bank Advances
Long-term Line of Credit	$ 460,700	$ 528,900

Note 12_ Subordinated Debentu_3

Note 12: Subordinated Debentures Issued to Capital Trusts: Schedule of Subordinated Debentures Issued to Capital Trusts (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Subordinated debentures	$ 25,774	$ 25,774

Note 13_ Subordinated Notes (De

Note 13: Subordinated Notes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Details
Subordinated Borrowing, Due Date	Aug. 15, 2026
Subordinated Borrowing, Interest Rate	5.25%
Subordinated Borrowing Terms and Conditions	The Company may call the notes at par beginning on August 15, 2021, and on any scheduled interest payment date thereafter.
Debt Issuance Costs, Gross	$ 1,500
Amortization of Debt Issuance Costs	$ 154	$ 151

Note 13_ Subordinated Notes_ _2

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Subordinated Debt	$ 75,000	$ 75,000
Unamortized Debt Issuance Expense	1,158	1,312
Subordinated Notes Proceeds, Net	$ 73,842	$ 73,688

Note 14_ Income Taxes_ Schedu_4

Note 14: Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Income Taxes Payable, Current	$ 19,291	$ 9,335	$ 20,137
Deferred Income Taxes and Tax Credits	(4,450)	11,528	(3,621)
Income Tax Expense (Benefit), Continuing Operations, Adjustment of Deferred Tax (Asset) Liability	0	(2,105)	0
Income Taxes Paid	$ 14,841	$ 18,758	$ 16,516

Note 14_ Income Taxes_ Schedu_5

Note 14: Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Allowance for loan losses	$ 8,758	$ 8,154
Tax credit carryforward	0	5,816
Deferred Tax Assets Interest on Nonperforming Loans	320	288
Deferred Tax Assets Accrued Expenses	726	684
Deferred Tax Assets Write-down of Foreclosed Assets	600	1,694
Deferred Tax Assets Write-down of Fixed Assets	191	207
Deferred Tax Assets Difference in basis for acquired assets and liabilities	4,031	4,725
Deferred Tax Assets, Gross, Current	14,626	21,568
Deferred Tax Liabilities Tax Depreciation in Excess of Book Depreciation	(5,409)	(4,483)
Deferred Tax Liabilities Federal Home Loan Bank Stock Dividends	(798)	(356)
Deferred Tax Liabilities Partnership Tax Credits	(404)	(706)
Prepaid expenses	(569)	(775)
Unrealized gain on available-for-sale securities	(83)	(435)
Deferred Tax Liabilities Book Revenue in Excess of Tax Revenue	0	(12,177)
Deferred Tax Liabilities Unrealized Gain on Cash Flow Derivatives	(2,761)	0
Other	(113)	(190)
Deferred Tax Liabilities, Gross, Current	(10,137)	(19,122)
Deferred Tax Assets, Net	$ 4,489	$ 2,446

Note 14_ Income Taxes_ Schedu_6

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	35.00%	35.00%
Nontaxable interest and dividends	(0.80%)	(1.60%)	(2.10%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	(3.40%)	(6.10%)	(7.30%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.10%	1.10%	1.10%
Initial impact of enactment of 2017 Tax Act	0.00%	(0.40%)	0.00%
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	0.20%	(1.30%)	0.00%
Effective Income Tax Rate Reconciliation, Percent	18.10%	26.70%	26.70%

Note 15_ Disclosures About Fa_6

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	$ 153,258	$ 122,533
Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	39,260
US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	51,450	56,646
Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	12,800	981
Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	(716)	(1,030)
Fair Value, Inputs, Level 1 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	0
Fair Value, Inputs, Level 1 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	153,258	122,533
Fair Value, Inputs, Level 2 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	39,260
Fair Value, Inputs, Level 2 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	51,450	56,646
Fair Value, Inputs, Level 2 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	12,800	981
Fair Value, Inputs, Level 2 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	(716)	(1,030)
Fair Value, Inputs, Level 3 | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	0
Fair Value, Inputs, Level 3 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	$ 0	$ 0

Note 15_ Disclosures About Fa_7

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Impaired Loans
Non-recurring Assets, Fair Value Disclosure	$ 2,805	$ 1,590
Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	1,776	1,758
Fair Value, Inputs, Level 1 | Impaired Loans
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | Impaired Loans
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Impaired Loans
Non-recurring Assets, Fair Value Disclosure	2,805	1,590
Fair Value, Inputs, Level 3 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	$ 1,776	$ 1,758

Note 15_ Disclosures About Fa_8

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details) $ in Thousands	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Letter of Credit
Financial Instruments Owned Carrying Amount	$ 146	$ 85
Financial Instruments, Owned, at Fair Value	$ 146	$ 85
Fair Value Hierarchy Level	3	3
Line of Credit
Financial Instruments Owned Carrying Amount	$ 0	$ 0
Financial Instruments, Owned, at Fair Value	$ 0	$ 0
Fair Value Hierarchy Level	3	3
Commitments to Extend Credit
Financial Instruments Owned Carrying Amount	$ 0	$ 0
Financial Instruments, Owned, at Fair Value	$ 0	$ 0
Fair Value Hierarchy Level	3	3
Financial assets | Mortgage loans held for sale
Financial Instruments Owned Carrying Amount	$ 1,650	$ 8,203
Financial Instruments, Owned, at Fair Value	$ 1,650	$ 8,203
Fair Value Hierarchy Level	2	2
Financial assets | Accrued interest receivable
Financial Instruments Owned Carrying Amount	$ 13,448	$ 12,338
Financial Instruments, Owned, at Fair Value	$ 13,448	$ 12,338
Fair Value Hierarchy Level	3	3
Financial assets | Held-to-maturity Securities
Financial Instruments Owned Carrying Amount	$ 0	$ 130
Financial Instruments, Owned, at Fair Value	$ 0	$ 131
Fair Value Hierarchy Level	2	2
Financial assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 202,742	$ 242,253
Financial Instruments, Owned, at Fair Value	$ 202,742	$ 242,253
Fair Value Hierarchy Level	1	1
Financial assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 3,989,001	$ 3,726,302
Financial Instruments, Owned, at Fair Value	$ 3,955,786	$ 3,735,216
Fair Value Hierarchy Level	3	3
Financial assets | Investment in Federal Home Loan Bank Stock
Financial Instruments Owned Carrying Amount	$ 12,438	$ 11,182
Financial Instruments, Owned, at Fair Value	$ 12,438	$ 11,182
Fair Value Hierarchy Level	3	3
Financial liabilities | Junior Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 25,774	$ 25,774
Financial Instruments, Owned, at Fair Value	$ 25,774	$ 25,774
Fair Value Hierarchy Level	3	3
Financial liabilities | Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 73,842	$ 73,688
Financial Instruments, Owned, at Fair Value	$ 75,188	$ 76,500
Fair Value Hierarchy Level	2	2
Financial liabilities | Federal Home Loan Bank Advances
Financial Instruments Owned Carrying Amount	$ 0	$ 127,500
Financial Instruments, Owned, at Fair Value	$ 0	$ 127,500
Fair Value Hierarchy Level	3	3
Financial liabilities | Deposits
Financial Instruments Owned Carrying Amount	$ 3,738,107	$ 3,597,144
Financial Instruments, Owned, at Fair Value	$ 3,730,999	$ 3,606,400
Fair Value Hierarchy Level	3	3
Financial liabilities | Short-term Debt
Financial Instruments Owned Carrying Amount	$ 297,978	$ 97,135
Financial Instruments, Owned, at Fair Value	$ 297,978	$ 97,135
Fair Value Hierarchy Level	3	3
Financial liabilities | Accrued interest payable
Financial Instruments Owned Carrying Amount	$ 3,570	$ 2,904
Financial Instruments, Owned, at Fair Value	$ 3,570	$ 2,904
Fair Value Hierarchy Level	3	3

Note 16_ Operating Leases_ Sc_2

Note 16: Operating Leases: Schedule of Future Minimum Rental Payments for Operating Leases (Details) $ in Thousands	Dec. 31, 2018USD ($)
Details
Operating Leases, Future Minimum Payments Due, Next Twelve Months	$ 958
Operating Leases, Future Minimum Payments, Due in Two Years	821
Operating Leases, Future Minimum Payments, Due in Three Years	648
Operating Leases, Future Minimum Payments, Due in Four Years	571
Operating Leases, Future Minimum Payments, Due in Five Years	443
Operating Leases, Future Minimum Payments, Due Thereafter	837
Operating Leases, Future Minimum Payments Due	$ 4,278

Note 16_ Operating Leases_ Rent

Note 16: Operating Leases: Rental Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Operating Leases, Rent Expense	$ 816	$ 912	$ 973

Note 17_ Derivatives and Hedg_5

Note 17: Derivatives and Hedging Activities: Loans With Interest Rate Swap (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Gain (Loss) on Fair Value Hedges Recognized in Earnings	$ 25	$ 28	$ 66
Interest Rate Swap | Not Designated as Hedging Instrument | Commercial customers
Derivative, Notional Amount	$ 78,500	$ 92,700

Note 17_ Derivatives and Hedg_6

Note 17: Derivatives and Hedging Activities: Cash Flow Hedges - Interest Rate Swap (Details) - Cash Flow Hedges - Interest Rate Swap $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)
Derivative, Notional Amount	$ 400,000
Interest Income, Other	$ 673

Note 17_ Derivatives and Hedg_7

Note 17: Derivatives and Hedging Activities: Cash Flow Hedges - Interest Rate Cap (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Cash Flow Hedges | Interest Rate Cap
Interest Expense, Other	$ 244	$ 225

Note 17_ Derivatives and Hedg_8

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Derivatives Designated as Hedging Instruments, Total	$ 12,106	$ 0
Derivatives Not Designated as Hedging Instruments Assets, Total	694	981
Derivatives Not Designated as Hedging Instruments Liabilities, Total	716	1,030
Prepaid Expenses and Other Current Assets | Interest Rate Swap
Derivatives Designated as Hedging Instruments	12,106	0
Interest rate products	694	981
Interest rate products	$ 716	$ 1,030

Note 17_ Derivatives and Hedg_9

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Interest Rate Swap
Cash Flow Hedges Gain (Loss) Recognized in Accumulated Other Comprehensive Income, Net	$ 9,345
Interest Rate Cap
Cash Flow Hedges Gain (Loss) Recognized in Accumulated Other Comprehensive Income, Net		$ 161	$ 87

Note 17_ Derivatives and Hed_10

Note 17: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Interest Income | Interest Rate Swap
Effect of cash flow hedge accounting on the statements of operations	$ 673
Interest Income | Interest Rate Cap
Effect of cash flow hedge accounting on the statements of operations		$ 0	$ 0
Interest Expense | Interest Rate Swap
Effect of cash flow hedge accounting on the statements of operations	$ 0
Interest Expense | Interest Rate Cap
Effect of cash flow hedge accounting on the statements of operations		$ 244	$ 225

Note 18_ Commitments and Cred_2

Note 18: Commitments and Credit Risk: Outstanding Commitments to Originate Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Outstanding commitments to originate loans	$ 105,300	$ 164,000

Note 18_ Commitments and Cred_3

Note 18: Commitments and Credit Risk: Mortgage Loans in Process of Origination (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Mortgage loans in the process of origination	$ 24,300	$ 20,800

Note 18_ Commitments and Cred_4

Note 18: Commitments and Credit Risk: Letters of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Letters of Credit Outstanding, Amount	$ 28,900	$ 20,000
Letters of Credit Terms Up to Five Years	28,400	19,100
Commercial Lines of Credit
Letters of Credit Outstanding, Amount	1,100,000	912,200
Open-end Consumer Lines of Credit
Letters of Credit Outstanding, Amount	$ 150,900	$ 133,600

Note 18_ Commitments and Cred_5

Note 18: Commitments and Credit Risk: Purchased Letters of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Purchased Letters of Credit From Federal Home Loan Bank	$ 2,100	$ 2,100

Note 18_ Commitments and Cred_6

Note 18: Commitments and Credit Risk: Credit Risk -- Secured Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Details
Loans and Leases Receivable, Collateral for Secured Borrowings	$ 750,300	$ 674,000

Note 19_ Additional Cash Flow_3

Note 19: Additional Cash Flow Information: Schedule of Cash Flow, Supplemental Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Taxes Paid	$ 14,841	$ 18,758	$ 16,516
Noncash Investing and Financing Activities
Real Estate Acquired Through Foreclosure	12,044	23,780	26,076
Proceeds from Sale of Wholly Owned Real Estate and Real Estate Acquired in Settlement of Loans	2,578	603	3,334
Conversion of premises and equipment to foreclosed assets	0	0	6,985
Dividends declared but not paid	4,528	3,381	3,073
Additional Cash Payment Information
Interest Paid, Including Capitalized Interest, Operating and Investing Activities	37,091	27,724	20,476
Income Taxes Paid	$ 2,569	$ 17,563	$ 9,554

Note 21_ Stock Compensation P_7

Note 21: Stock Compensation Plans: Schedule of Share-based Compensation, Stock Options, Activity (Details) - $ / shares	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Granted from 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	(1,000)	(157,800)	(131,000)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	1,000	157,800	131,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 52.500	$ 52.118	$ 41.228
Exercised
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	0	0	0
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(81,940)	(119,692)	(81,812)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 27.597	$ 27.352	$ 26.472
Forfeited from terminated plan(s)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant		0	0
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options		(675)	(2,692)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 24.690	$ 22.654
Forfeited from current plan(s)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	600	15,837	19,025
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(600)	(15,837)	(19,025)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 55	$ 41.916	$ 39.123
Forfeited from 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	13,773
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	(13,773)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 45.692
Termination of 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	(90,285)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	0
Available to grant from 2018 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	800,000
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	0
Granted from 2018 Plan
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	(185,750)
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	185,750
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 55.297
Employee Stock Option | Balance, Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			331,450
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options			633,732
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price			$ 31.297
Employee Stock Option | Balance, End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	614,850	77,512	219,475
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options	773,236	682,799	661,203
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 43.886	$ 38.860	$ 33.672

Note 21_ Stock Compensation P_8

Note 21: Stock Compensation Plans: Schedule of Fair Value Option Pricing Model Assumptions (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Expected dividends per share	$ 1,270	$ 950	$ 880
Risk-free interest rate	2.86%	2.03%	1.27%
Expected life of options	5 years	5 years	5 years
Expected volatility	17.61%	23.49%	22.08%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 8.30	$ 10.04	$ 6.59

Note 21_ Stock Compensation P_9

Note 21: Stock Compensation Plans: Schedule of Share-based Compensation, Activity (Details) - Employee Stock Option	12 Months Ended
	Dec. 31, 2018$ / sharesshares
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	186,750
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 55.282
Exercised
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(81,940)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 27.597
Forfeited
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(14,373)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 46.081
Options exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	266,742
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 32.233
Share based compensation stock option weighted average remaining contractual term	5.15 years
Balance, Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	682,799
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 38.860
Share based compensation stock option weighted average remaining contractual term	7.38 years
Balance, End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	773,236
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price | $ / shares	$ 43.886
Share based compensation stock option weighted average remaining contractual term	7.44 years

Note 21_ Stock Compensation _10

Note 21: Stock Compensation Plans: Options Granted and Intrinsic Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Details
Share Based Compensation Arrangement By Share Based Payment Award Options Granted Number	186,750	157,800	131,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	$ 2,200	$ 3,000	$ 1,400
Proceeds from Stock Options Exercised	2,300	3,300	2,100
Employee Service Share-based Compensation, Tax Benefit from Exercise of Stock Options	1,600	2,700	1,300
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	4,700	8,800	13,900
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value	$ 3,900	$ 5,700	$ 7,500

Note 21_ Stock Compensation _11

Note 21: Stock Compensation Plans: Schedule of Nonvested Share Activity (Details) - Employee Stock Option	12 Months Ended
	Dec. 31, 2018$ / sharesshares
Nonvested options | Balance, Beginning of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	441,937
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 44.842
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 7.981
Nonvested options | Balance, End of Period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	506,494
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 50.023
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 8.431
Granted
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	186,750
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 55.282
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 8.297
Vested this period
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(107,895)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 38.433
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 6.398
Nonvested options forfeited
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares	(14,298)
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Exercise Price	$ 46.057
Share Based Compensation Arrangement by Share Based Payment Award Nonvested Weighted Average Grant Date Fair Value	$ 8.143

Note 21_ Stock Compensation _12

Note 21: Stock Compensation Plans: Nonvested Options Granted Unrecognized Compensation Cost (Details) $ in Thousands	Dec. 31, 2018USD ($)
Details
Nonvested Options Granted Unrecognized Compensation Costs	$ 3,800

Note 21_ Stock Compensation _13

Note 21: Stock Compensation Plans: Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable (Details) - Range of Exercise Prices	12 Months Ended
	Dec. 31, 2018$ / sharesshares
$16.810 to 29.640
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	139,920
Share based compensation stock option weighted average remaining contractual term	3.89 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 25.093
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	139,920
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 25.093
$32.590 to 38.610
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	97,047
Share based compensation stock option weighted average remaining contractual term	5.87 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 33.038
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	62,291
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 32.819
$41.300 to 47.800
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	111,436
Share based compensation stock option weighted average remaining contractual term	7.80 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 41.357
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	24,658
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 41.386
$50.710 to 52.500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	239,683
Share based compensation stock option weighted average remaining contractual term	8.11 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 51.608
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	39,873
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 50.710
$55.000 to 59.750
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	185,150
Share based compensation stock option weighted average remaining contractual term	9.88 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 55.298
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number | shares	0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 0

Note 23_ Accumulated Other Co_4

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Details
Net unrealized gain on available-for-sale securities	$ 365	$ 1,949
Net unrealized gain on derivatives used for cash flow hedges	12,106	0
Accumulated other comprehensive income tax effect	(2,844)	(708)
Net-of-tax amount	$ 9,627	$ 1,241

Note 23_ Accumulated Other Co_5

Note 23: Accumulated Other Comprehensive Income: Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	$ 2	$ 0	$ 1,830
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	0	2,873
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	$ 0	$ 0	$ (1,043)

Note 24_ Regulatory Matters (De

Note 24: Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Total capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 651,469	$ 597,177
Actual Capital Ratio	14.40%	14.10%
Capital Required for Capital Adequacy	$ 360,826	$ 339,649
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Total capital | Great Southern Bank
Actual Capital Amount	$ 599,509	$ 558,668
Actual Capital Ratio	13.30%	13.20%
Capital Required for Capital Adequacy	$ 360,767	$ 339,575
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized	$ 450,959	$ 424,468
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier I capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 538,060	$ 485,685
Actual Capital Ratio	11.90%	11.40%
Capital Required for Capital Adequacy	$ 270,619	$ 254,737
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Tier I capital | Great Southern Bank
Actual Capital Amount	$ 561,100	$ 522,176
Actual Capital Ratio	12.40%	12.30%
Capital Required for Capital Adequacy	$ 270,575	$ 254,681
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Capital Required to be Well Capitalized	$ 360,767	$ 339,575
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	$ 538,060	$ 485,685
Actual Capital Ratio	11.70%	10.90%
Capital Required for Capital Adequacy	$ 184,088	$ 177,881
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Tier I leverage capital | Great Southern Bank
Actual Capital Amount	$ 561,100	$ 522,176
Actual Capital Ratio	12.20%	11.70%
Capital Required for Capital Adequacy	$ 184,050	$ 177,844
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized	$ 230,062	$ 222,305
Capital Required to be Well Capitalized to Risk Weighted Assets	5.00%	5.00%
Common equity Tier I capital | Great Southern Bancorp, Inc.
Actual Capital Amount	$ 513,060	$ 460,661
Actual Capital Ratio	11.40%	10.90%
Capital Required for Capital Adequacy	$ 202,965	$ 191,053
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Common equity Tier I capital | Great Southern Bank
Actual Capital Amount	$ 561,100	$ 522,152
Actual Capital Ratio	12.40%	12.30%
Capital Required for Capital Adequacy	$ 202,931	$ 191,011
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Capital Required to be Well Capitalized	$ 293,123	$ 275,904
Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%

Note 26_ Summary of Unaudited_3

Note 26: Summary of Unaudited Quarterly Operating Results: Schedule of Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Net income													$ 67,109	$ 51,564	$ 45,342
Quarterly operating results
Interest Income, Operating	$ 56,142	$ 52,982	$ 49,943	$ 46,882	$ 46,536	$ 46,368	$ 44,744	$ 45,413	$ 46,937	$ 46,856	$ 45,636	$ 45,746
Interest Expense Operating	11,585	9,997	8,731	7,444	7,263	7,087	6,843	6,712	6,690	5,828	4,974	4,627
Provision for Other Losses	1,950	1,300	1,950	1,950	1,950	2,950	1,950	2,250	2,380	2,500	2,300	2,101
Net realized gain (losses) and impairment on available for sale securities operating	0	2	0	0	0	0	0	0	(9)	144	2,735	3
Noninterest Income, Other Operating Income	7,220	14,604	7,459	6,935	7,374	7,655	15,800	7,698	7,530	7,090	8,916	4,974
Other Noninterest Expense	28,774	28,309	29,915	28,312	29,283	28,034	28,371	28,573	29,043	30,657	29,807	30,920
Provision for income taxes	3,765	5,464	2,967	2,645	3,207	4,289	7,204	4,058	4,560	3,740	4,937	3,279
Net income available to common shareholders	$ 17,288	$ 22,516	$ 13,839	$ 13,466	$ 12,207	$ 11,663	$ 16,176	$ 11,518	$ 11,794	$ 11,221	$ 12,534	$ 9,793
Earnings per share operating results diluted	$ 1.21	$ 1.57	$ 0.97	$ 0.95	$ 0.86	$ 0.82	$ 1.14	$ 0.81	$ 0.83	$ 0.80	$ 0.89	$ 0.70
Net income					$ 12,207	$ 11,663	$ 16,176	$ 11,518	$ 11,794	$ 11,221	$ 12,534	$ 9,793

Note 27_ Condensed Parent Com_6

Note 27: Condensed Parent Company Statements: Condensed Balance Sheet -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Cash	$ 110,108	$ 115,600
Prepaid expenses and other assets	55,336	47,122
Total assets	4,676,200	4,414,521
Subordinated notes	73,842	73,688
Subordinated Debt	75,000	75,000
Additional paid-in capital	30,121	28,203
Retained earnings	492,087	442,077
Parent Company
Cash	56,648	41,977
Investment in subsidiary bank	580,016	533,153
Deferred income taxes	411	133
Prepaid expenses and other assets	889	903
Total assets	637,964	576,166
Accounts Payable and Accrued Liabilities, Fair Value Disclosure	6,371	5,042
Subordinated notes	25,774	25,774
Subordinated Debt	73,842	73,688
Common Stock Value Parent	142	141
Additional paid-in capital	30,121	28,203
Retained earnings	492,087	442,077
Unrealized gain on available-for-sale securities, parent net	9,627	1,241
Total Assets and Liabilities	$ 637,964	$ 576,166

Note 27_ Condensed Parent Com_7

Note 27: Condensed Parent Company Statements: Condensed Income Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Interest Expense	$ 37,757	$ 27,905	$ 22,119
Parent Company
Dividends from subsidiary bank	34,000	17,500	12,000
Other Interest and Dividend Income	0	48	0
Gain on Redemption of Trust Preferred Securities	0	0	2,735
Other income (loss)	0	0	2
Total income	34,000	17,548	14,737
Operating Expenses	1,793	1,330	1,322
Interest Expense	5,050	5,047	2,381
Total expense	6,843	6,377	3,703
Income before income tax and equity in undistributed earnings of subsidiaries	27,157	11,171	11,034
Income Tax Credits and Adjustments	(1,204)	(1,709)	(241)
Income before equity in earnings of subsidiaries	28,361	12,880	11,275
Equity in undistributed earnings of subsidiaries	38,748	38,684	34,067
Net income parent company	$ 67,109	$ 51,564	$ 45,342

Note 27_ Condensed Parent Com_8

Note 27: Condensed Parent Company Statements: Condensed Cash Flow Statement -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Prepaid expenses and other assets	$ 3,002	$ (5,227)	$ 12,655
Net cash provided by operating activities	94,195	62,817	80,639
Proceeds from sale of available-for-sale securities	502	0	55,000
Net cash provided by (used in) investing activities	(381,323)	81,379	(198,730)
Proceeds from Issuance of Subordinated Notes	0	0	73,472
Net cash provided by (used in) financing activities	247,617	(181,712)	198,677
Parent Company
Operating Activity Net Income Parent Company	67,109	51,564	45,342
Increase (Decrease) Equity in Undistributed Earnings of Subsidiaries	(38,748)	(38,684)	(34,067)
Compensation expense for stock option grants	737	564	483
Net realized gains on sales of available-for-sale securities	0	0	(2,735)
Amortization of interest rate derivative	154	441	289
Prepaid expenses and other assets	13	132	175
Accounts Payable and Other Accrued Liabilities	182	(115)	1,495
Income taxes parent	(278)	6	(206)
Net cash provided by operating activities	29,169	13,908	10,776
Proceeds from sale of available-for-sale securities	0	0	3,583
Investment in Subsidiary	0	0	(60,000)
Investment/Return of principal - other investments	0	0	(2)
Net cash provided by (used in) investing activities	0	0	(56,419)
Proceeds from Issuance of Subordinated Notes	0	0	73,472
Payments for Repurchase of Warrants	(903)	0	0
Dividends, Paid-in-kind	(15,819)	(12,894)	(12,232)
Stock options excercised	2,224	3,247	2,110
Net cash provided by (used in) financing activities	(14,498)	(9,647)	63,350
Cash, Period Increase (Decrease)	14,671	4,261	17,707
Cash beginning of period	41,977	37,716	20,009
Cash end of period	56,648	41,977	37,716
Interest Paid, Including Capitalized Interest, Operating and Investing Activities	$ 5,001	$ 5,059	$ 846

Note 27_ Condensed Parent Com_9

Note 27: Condensed Parent Company Statements: Condensed Statement of Comprehensive Income -- Great Southern Bancorp, Inc. (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Unrealized Appreciation (Depreciation) on Available for Sale Securities, Net	$ (1,229)	$ (478)	$ (2,363)
Parent Company
Net Comprehensive Income Parent Company	67,109	51,564	45,342
Unrealized Appreciation (Depreciation) on Available for Sale Securities, Net	0	0	(158)
Reclassification adjustment for gains included in net income	0	0	(1,742)
Change in Fair Value of Cash Flow Hedge, Net	0	161	87
Comprehensive Income of subsidiaries	8,114	(478)	(2,293)
Comprehensive Income parent	$ 75,223	$ 51,247	$ 41,236

Note 28_ Sale of Branches and_2

Note 28: Sale of Branches and Related Deposits (Details) - West Gate Bank $ in Thousands	3 Months Ended
	Dec. 31, 2018USD ($)
Deposits
Proceeds from Sale of Other Productive Assets	$ 56,000
Transaction expense
Proceeds from Sale of Other Productive Assets	165
Pre-tax gain
Proceeds from Sale of Other Productive Assets	$ 7,400