Great Southern Bancorp (GSBC) 10-Q 6 Nov 19 2019 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - $ / shares	Nov. 06, 2019	Sep. 30, 2019
Details
Registrant CIK		0000854560
Fiscal Year End		--12-31
Registrant Name		GREAT SOUTHERN BANCORP, INC.
SEC Form		10-Q
Period End date		Sep. 30, 2019
Trading Symbol		GSBC
Trading Exchange		NASDAQ
Tax Identification Number (TIN)		43-1524856
Number of common stock shares outstanding	14,237,325
Filer Category		Accelerated Filer
Current with reporting		Yes
Interactive Data Current		Yes
Shell Company		false
Small Business		false
Emerging Growth Company		false
Entity File Number		0-18082
Entity Incorporation, State or Country Code		MD
Entity Address, Address Line One		1451 E. Battlefield
Entity Address, City or Town		Springfield
Entity Address, State or Province		MO
Entity Address, Postal Zip Code		65804
City Area Code		417
Local Phone Number		887-4400
Title of 12(b) Security		Common Stock
Entity Listing, Par Value Per Share	$ 0.01
Amendment Flag		false
Document Fiscal Year Focus		2019
Document Fiscal Period Focus		Q3
Document Quarterly Report		true
Document Transition Report		false

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash	$ 105,068	$ 110,108
Interest-bearing deposits in other financial institutions	85,809	92,634
Cash and cash equivalents	190,877	202,742
Available-for-sale securities	349,020	243,968
Mortgage loans held for sale	10,819	1,650
Loans receivable, net of allowance for loan losses of $40,406 - September 2019; $38,409 - December 2018	4,156,703	3,989,001
Interest receivable	13,701	13,448
Prepaid expenses and other assets	82,218	55,336
Other real estate owned and repossessions, net	7,444	8,440
Premises and equipment, net	141,227	132,424
Goodwill and other intangible assets	8,386	9,288
Federal Home Loan Bank stock	11,765	12,438
Current and deferred income taxes	0	7,465
Total Assets	4,972,160	4,676,200
Liabilities:
Deposits	3,935,154	3,725,007
Securities sold under reverse repurchase agreements with customers	102,569	105,253
Short-term borrowings and other interest-bearing liabilities	191,116	192,725
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,168	73,842
Accrued interest payable	3,119	3,570
Advances from borrowers for taxes and insurance	10,405	5,092
Accrued expenses and other liabilities	27,048	12,960
Current and deferred income taxes	6,037	0
Total Liabilities	4,375,390	4,144,223
Capital stock
Serial preferred stock -$.01 par value; authorized 1,000,000 shares; issued and outstanding September 2019 and December 2018 - - 0- shares	0	0
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2019 -14,214,054 shares; December 2018 - 14,151,198 shares	142	142
Additional paid-in capital	32,085	30,121
Retained earnings	523,493	492,087
Accumulated other comprehensive income	41,050	9,627
Total Stockholders' Equity	596,770	531,977
Total Liabilities and Stockholders' Equity	$ 4,972,160	$ 4,676,200

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition - Parenthetical - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Details
Loans and Leases Receivable, Allowance	$ 40,406	$ 38,409
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	14,214,054	14,151,198
Common Stock, Shares, Outstanding	14,214,054	14,151,198

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
INTEREST INCOME
Loans	$ 57,226	$ 51,063	$ 167,552	$ 144,447
Investment securities and other	2,961	1,919	8,715	5,361
TOTAL INTEREST INCOME	60,187	52,982	176,267	149,808
INTEREST EXPENSE
Deposits	11,792	7,352	33,844	19,058
Federal Home Loan Bank advances	0	1,192	0	2,964
Short-term borrowings and repurchase agreements	1,123	177	2,904	385
Subordinated debentures issued to capital trust	253	252	787	692
Subordinated notes	1,095	1,024	3,283	3,073
TOTAL INTEREST EXPENSE	14,263	9,997	40,818	26,172
NET INTEREST INCOME	45,924	42,985	135,449	123,636
Provision for Loan Losses	1,950	1,300	5,500	5,200
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	43,974	41,685	129,949	118,436
NON-INTEREST INCOME
Commissions	173	309	670	868
Service charges and ATM fees	5,619	5,458	15,887	16,191
Net gains on loan sales	1,021	417	1,645	1,438
Net realized gains on sales of available-for-sale securities	0	2	10	2
Late Charges and Fees on Loans	364	466	1,066	1,240
Gain (loss) on derivative interest rate products	(101)	5	(169)	53
Gain on sale of business units	0	7,414	0	7,414
Other income	1,579	533	4,154	1,792
TOTAL NON-INTEREST INCOME	8,655	14,604	23,263	28,998
NON-INTEREST EXPENSE
Salaries and employee benefits	15,827	15,162	46,895	44,731
Net occupancy and equipment expense	6,613	6,551	19,462	19,234
Postage	792	843	2,342	2,544
Insurance	339	682	1,667	2,002
Advertising	794	589	2,162	1,892
Office supplies and printing	258	255	743	789
Telephone	904	827	2,645	2,339
Legal, audit and other professional fees	681	875	2,023	2,373
Expense on other real estate and repossessions	603	498	1,642	4,376
Partnership tax credit investment amortization	91	91	274	484
Acquired deposit intangible asset amortization	289	412	902	1,237
Other operating expenses	1,534	1,524	4,845	4,536
TOTAL NON-INTEREST EXPENSE	28,725	28,309	85,602	86,537
INCOME BEFORE INCOME TAXES	23,904	27,980	67,610	60,897
Provision for Income Taxes	4,172	5,464	11,890	11,076
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 19,732	$ 22,516	$ 55,720	$ 49,821
Basic Earnings Per Common Share	$ 1.39	$ 1.59	$ 3.93	$ 3.53
Diluted Earnings Per Common Share	1.38	1.57	3.90	3.49
Dividends Declared Per Common Share	$ 0.34	$ 0.32	$ 1.73	$ 0.88

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Net Income	$ 19,732	$ 22,516	$ 55,720	$ 49,821
Unrealized Appreciation (Depreciation) on Available for Sale Securities, Net	4,452	(805)	12,642	(3,106)
Reclassification adjustment for gains included in net income, net of taxes of $0 and $2, for 2019 and 2018, respectively	0	(2)	(8)	(2)
Changes in Fair Value of Cash Flow Hedge, Net	4,461	0	18,789	0
Comprehensive Income	28,645	21,709	87,143	46,713
Reclassification adjustment for gains included in net income, net of taxes of $2 and $0, for 2019 and 2018, respectively	$ 0	$ (2)	$ (8)	$ (2)

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Unaudited) - Parenthetical - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Tax effect of unrealized appreciation (depreciation) on available-for-sale securities, taxes (credit)	$ 1,315	$ (232)	$ 3,732	$ (894)
Tax Effect Reclassification Adjustment for Gains Included in Net Income Taxes Credit, Taxes	0	2	2	0
Tax effect of change in fair value of cash flow hedge, taxes	$ 1,318	$ 0	$ 5,549	$ 0

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - 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, 2017		$ 471,662	$ 141	$ 28,203	$ 442,077	$ 1,241	$ 0
Net Income		49,821	0	0	49,821	0	0
Stock issued under Stock Option Plan		2,188	0	1,350	0	0	838
Common dividends declared,	[1]	(12,436)	0	0	(12,436)	0	0
Other comprehensive income (loss)		(3,108)	0	0	0	(3,108)	0
Reclassification of Treasury Stock per Maryland Law		0	1	0	837	0	(838)
Equity Balance at Sep. 30, 2018		508,127	142	29,553	480,027	(1,595)	0
Reclassification of stranded tax effects resulting from change in Federal income tax rate		0	0	0	(272)	272	0
Equity Balance at Jun. 30, 2018		490,271	141	29,134	461,784	(788)	0
Net Income		22,516	0	0	22,516	0	0
Stock issued under Stock Option Plan		675	0	419	0	0	256
Common dividends declared,	[2]	(4,528)	0	0	(4,528)	0	0
Other comprehensive income (loss)		(807)	0	0	0	(807)	0
Reclassification of Treasury Stock per Maryland Law		0	1	0	255	0	(256)
Equity Balance at Sep. 30, 2018		508,127	142	29,553	480,027	(1,595)	0
Equity Balance at Dec. 31, 2018		531,977	142	30,121	492,087	9,627	0
Net Income		55,720	0	0	55,720	0	0
Stock issued under Stock Option Plan		3,023	0	1,964	0	0	1,059
Common dividends declared,	[3]	(24,524)	0	0	(24,524)	0	0
Other comprehensive income (loss)		31,423	0	0	0	31,423	0
Reclassification of Treasury Stock per Maryland Law		0	0	0	210	0	(210)
Equity Balance at Sep. 30, 2019		596,770	142	32,085	523,493	41,050	0
Purchase of the Company's common stock		(849)	0	0	0	0	(849)
Equity Balance at Jun. 30, 2019		572,309	142	31,603	508,427	32,137	0
Net Income		19,732	0	0	19,732	0	0
Stock issued under Stock Option Plan		649	0	482	0	0	167
Common dividends declared,	[4]	(4,833)	0	0	(4,833)	0	0
Other comprehensive income (loss)		8,913	0	0	0	8,913	0
Reclassification of Treasury Stock per Maryland Law		0	0	0	167	0	(167)
Equity Balance at Sep. 30, 2019		$ 596,770	$ 142	$ 32,085	$ 523,493	$ 41,050	$ 0
[1]	$0.88 per share
[2]	$0.32 per share
[3]	$1.39 per share
[4]	$0.34 per share

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 55,720	$ 49,821
Proceeds from sales of loans held for sale	81,403	72,229
Originations of loans held for sale	(88,864)	(65,788)
Items not requiring (providing) cash:
Depreciation	7,076	6,842
Amortization	1,566	1,837
Compensation expense for stock option grants	667	539
Provision for loan losses	5,500	5,200
Net gains on loan sales	(1,645)	(1,438)
Net realized gains on sales of available-for-sale securities	(10)	(2)
Net (gains) losses on sale of premises and equipment	(24)	122
Net losses on sale/write-down of other real estate owned and repossessions	205	2,003
Gain realized on sale of business units	0	(7,414)
Accretion of deferred income, premiums, discounts and other	(2,949)	(2,032)
(Gain) loss on derivative interest rate products	169	(53)
Deferred income taxes	(193)	(6,278)
Changes in:
Interest receivable	(253)	(670)
Prepaid expenses and other assets	(1,940)	5,967
Accrued expenses and other liabilities	3,333	1,331
Income taxes refundable/payable	4,414	11,158
Net cash provided by operating activities	64,175	73,374
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	(123,401)	(171,672)
Purchase of loans	(57,545)	(57,382)
Cash Paid for Sale of Business Units	0	(50,356)
Purchase of premises and equipment	(8,274)	(7,833)
Proceeds from sale of premises and equipment	172	2,296
Proceeds from sale of other real estate owned and repossessions	12,867	16,124
Capitalized costs on other real estate owned	(93)	(153)
Proceeds from sales of available-for-sale securities	28,057	502
Proceeds from maturities and calls of held-to-maturity securities	0	130
Proceeds from maturities and calls of available-for-sale securities	13,370	2,366
Principal reductions on mortgage-backed securities	12,788	17,134
Purchase of available-for-sale securities	(143,151)	(36,677)
Redemption (purchase) of Federal Home Loan Bank stock	673	(3,736)
Net cash used in investing activities	(264,537)	(289,257)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in certificates of deposit	136,194	84,177
Net increase (decrease) in checking and savings deposits	73,995	(24,535)
Proceeds from Federal Home Loan Bank advances	0	2,363,500
Repayments of Federal Home Loan Bank advances	0	(2,251,000)
Net increase (decrease) in short-term borrowings	(4,293)	16,409
Advances from borrowers for taxes and insurance	5,313	3,539
Dividends paid	(24,219)	(11,288)
Purchase of the Company's common stock	(849)	0
Stock options exercised	2,356	1,649
Net cash provided by financing activities	188,497	182,451
DECREASES IN CASH AND CASH EQUIVALENTS	(11,865)	(33,432)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	202,742	242,253
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 190,877	$ 208,821

NOTE 1_ BASIS OF PRESENTATION

NOTE 1: BASIS OF PRESENTATION	3 Months Ended
	Sep. 30, 2019
Notes
NOTE 1: BASIS OF PRESENTATION	NOTE 1: BASIS OF PRESENTATION The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and nine months ended September 30, 2019 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2018, has been derived from the audited consolidated statement of financial condition of the Company as of that date. Certain prior period amounts have been reclassified to conform to the current period presentation. These reclassifications had no effect on net income. Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K

NOTE 2_ NATURE OF OPERATIONS AN

NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS	3 Months Ended
	Sep. 30, 2019
Notes
NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS	NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS The Company operates as a one-bank holding company. The Company’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Bank also originates commercial loans from lending offices in Dallas, Texas, Tulsa, Okla., Chicago, Ill., Atlanta, Ga., Denver, Colo. and Omaha, Neb. The Company and the Bank are subject to regulation by 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 by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.

NOTE 3_ RECENT ACCOUNTING PRONO

NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS	3 Months Ended
	Sep. 30, 2019
Notes
NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS	NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS 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 January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350) In August 2018, the FASB issued ASU No. 2018-13 , Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement

NOTE 4_ EARNINGS PER SHARE

NOTE 4: EARNINGS PER SHARE	3 Months Ended
	Sep. 30, 2019
Notes
NOTE 4: EARNINGS PER SHARE	NOTE 4: EARNINGS PER SHARE Three Months Ended September 30, 2019 2018 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,210 14,146 Net income and net income available to common stockholders $ 19,732 $ 22,516 Per common share amount $ 1.39 $ 1.59 Diluted: Average common shares outstanding 14,210 14,146 Net effect of dilutive stock options – based on the treasury stock method using average market price 107 153 Diluted common shares 14,317 14,299 Net income and net income available to common stockholders $ 19,732 $ 22,516 Per common share amount $ 1.38 $ 1.57 Nine Months Ended September 30, 2019 2018 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,187 14,124 Net income and net income available to common stockholders $ 55,720 $ 49,821 Per common share amount $ 3.93 $ 3.53 Diluted: Average common shares outstanding 14,187 14,124 Net effect of dilutive stock options – based on the treasury stock method using average market price 110 136 Diluted common shares 14,297 14,260 Net income and net income available to common stockholders $ 55,720 $ 49,821 Per common share amount $ 3.90 $ 3.49 Options outstanding at September 30, 2019 and 2018, to purchase 328,275 and 170,600 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended September 30, 2019 and 2018, respectively. Options outstanding at September 30, 2019 and 2018, to purchase 318,275 and 260,947 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the nine month periods because the exercise prices of such options were greater than the average market prices of the common stock for the nine months ended September 30, 2019 and 2018, respectively.

NOTE 5_ INVESTMENT SECURITIES

NOTE 5: INVESTMENT SECURITIES	3 Months Ended
	Sep. 30, 2019
Notes
NOTE 5: INVESTMENT SECURITIES	NOTE 5: INVESTMENT SECURITIES The amortized cost and fair values of securities classified as available-for-sale were as follows: September 30, 2019 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 186,485 $ 11,741 $ (393) $197,833 2.95% Agency collateralized mortgage obligations 110,673 3,799 (36) 114,436 3.07 States and political subdivisions 35,131 1,620 — 36,751 4.82 $ 332,289 $ 17,160 $ (429) $349,020 3.19% December 31, 2018 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 154,557 $ 1,272 $ 2,571 $153,258 2.83% Agency collateralized mortgage obligations 39,024 250 14 39,260 3.18 States and political subdivisions 50,022 1,428 — 51,450 4.81 $ 243,603 $ 2,950 $ 2,585 $243,968 3.29% The amortized cost and fair value of available-for-sale securities at September 30, 2019, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) One year or less $ — $ — After one through five years 878 954 After five through ten years 9,140 9,501 After ten years 25,113 26,296 Securities not due on a single maturity date 297,158 312,269 $ 332,289 $ 349,020 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 September 30, 2019 and December 31, 2018, was approximately $64.8 million and $95.7 million, respectively, which is approximately 18.6% and 39.2% of the Company’s available-for-sale investment portfolio, respectively. Based on an evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary. 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 September 30, 2019 and December 31, 2018: September 30, 2019 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 $ — $ — $ 51,433 $ (393) $ 51,433 $ (393) Agency collateralized mortgage obligations 13,368 (36) — — 13,368 (36) $ 13,368 $ (36) $ 51,433 $ (393) $ 64,801 $ (429) December 31, 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) State and political subdivisions 511 — — — 511 — $ 21,491 $ (96) $ 74,186 $ (2,489) $ 95,677 $ (2,585) There were no sales of available-for-sale securities during the three months ended September 30, 2019. Gross gains of $226,000 and gross losses of $216,000 resulting from sales of available-for-sale securities were realized during the nine months ended September 30, 2019. Other-than-temporary Impairment. The accounting guidance for beneficial interests in securitized financial assets provides incremental impairment guidance for a subset of the debt securities within the scope of the guidance for investments in debt and equity securities. 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 periodically evaluates each investment security in an unrealized loss position 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 non-agency collateralized mortgage obligations, to determine if the unrealized loss is other than temporary, the Company projects total estimated defaults of the underlying assets (mortgages) and multiplies that calculated amount by an estimate of realizable value upon sale in the marketplace (severity) in order to determine the projected collateral loss. The Company also evaluates any current credit enhancement underlying these securities to determine the impact on cash flows. If the Company determines that a given security position will be subject to a write-down or loss, the Company records the expected credit loss as a charge to earnings. During the three and nine months ended September 30, 2019 and 2018, respectively, no securities were determined to have impairment that had become other-than-temporary. Credit Losses Recognized on Investments. Amounts Reclassified Out of Accumulated Other Comprehensive Income. The FASB previously issued ASU 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income (Topic 220). Amounts Reclassified from Accumulated Other Comprehensive Income Three Months Ended September 30, Affected Line Item in the 2019 2018 Statements of Income (In Thousands) Unrealized gains on available- Net realized gains on sales of for-sale securities $ — $ 2 available-for-sale securities (Total reclassified amount before tax) Income Taxes — — Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ — $ 2 Amounts Reclassified from Accumulated Other Comprehensive Income Nine Months Ended September 30, Affected Line Item in the 2019 2018 Statements of Income (In Thousands) Unrealized gains on available- Net realized gains on sales of for-sale securities $ 10 $ 2 available-for-sale securities (Total reclassified amount before tax) Income Taxes (2) — Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ 8 $ 2

NOTE 6_ LOANS AND ALLOWANCE FOR

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Sep. 30, 2019
Notes
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES	NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES Classes of loans at September 30, 2019 and December 31, 2018 were as follows: September 30, December 31, 2019 2018 (In Thousands) One- to four-family residential construction $35,153 $26,177 Subdivision construction 16,326 13,844 Land development 38,899 44,492 Commercial construction 1,335,827 1,417,166 Owner occupied one- to four-family residential 345,098 276,866 Non-owner occupied one- to four-family residential 122,289 122,438 Commercial real estate 1,494,621 1,371,435 Other residential 841,087 784,894 Commercial business 305,233 322,118 Industrial revenue bonds 13,350 13,940 Consumer auto 174,710 253,528 Consumer other 48,623 57,350 Home equity lines of credit 119,705 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 142,099 167,651 5,033,020 4,993,251 Undisbursed portion of loans in process (829,135) (958,441) Allowance for loan losses (40,406) (38,409) Deferred loan fees and gains, net (6,776) (7,400) $4,156,703 $3,989,001 Weighted average interest rate 5.11% 5.16% Classes of loans by aging were as follows: September 30, 2019 Total Loans Total > 90 Days 30-59 Days 60-89 Days Over Total Loans Past Due and Past Due Past Due 90 Days Past Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ 250 $— $— $ 250 $ 34,903 $ 35,153 $ — Subdivision construction — — — — 16,326 16,326 — Land development — 28 83 111 38,788 38,899 — Commercial construction — — — — 1,335,827 1,335,827 — Owner occupied one- to four-family residential 556 55 913 1,524 343,574 345,098 — Non-owner occupied one- to four-family residential — 56 566 622 121,667 122,289 — Commercial real estate 498 91 637 1,226 1,493,395 1,494,621 — Other residential 9,319 — — 9,319 831,768 841,087 — Commercial business 23 11 1,245 1,279 303,954 305,233 — Industrial revenue bonds — — — — 13,350 13,350 — Consumer auto 1,408 366 513 2,287 172,423 174,710 — Consumer other 341 93 178 612 48,011 48,623 — Home equity lines of credit 303 — 531 834 118,871 119,705 — Loans acquired and accounted for under ASC 310-30, net of discounts 642 291 6,413 7,346 134,753 142,099 — 13,340 991 11,079 25,410 5,007,610 5,033,020 — Less loans acquired and accounted for under ASC 310-30, net 642 291 6,413 7,346 134,753 142,099 — Total $ 12,698 $ 700 $ 4,666 $ 18,064 $ 4,872,857 $ 4,890,921 $ — 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 — 12,312 3,376 13,127 28,815 4,964,436 4,993,251 — Less loans acquired and accounted for under ASC 310-30, net 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 $ — Nonaccruing loans (excluding FDIC-assisted acquired loans, net of discount) are summarized as follows: September 30, December 31, 2019 2018 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 83 49 Commercial construction — — Owner occupied one- to four-family residential 913 1,206 Non-owner occupied one- to four-family residential 566 1,458 Commercial real estate 637 334 Other residential — — Commercial business 1,245 1,437 Industrial revenue bonds — — Consumer auto 513 1,490 Consumer other 178 240 Home equity lines of credit 531 86 Total $ 4,666 $ 6,300 The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2019. 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 September 30, 2019: 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, July 1, 2019 $ 3,803 $ 3,753 $ 22,367 $ 3,479 $ 1,678 $ 4,174 $ 39,254 Provision (benefit) charged to expense (232) 566 2,246 (571) (341) 282 1,950 Losses charged off (1) — — (46) (211) (1,419) (1,677) Recoveries 61 — 13 20 100 685 879 Balance, September 30, 2019 $ 3,631 $ 4,319 $ 24,626 $ 2,882 $ 1,226 $ 3,722 $ 40,406 Balance, January 1, 2019 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Provision (benefit) charged to expense 931 (394) 4,791 3 (431) 600 5,500 Losses charged off (518) — (7) (266) (310) (5,324) (6,425) Recoveries 96 — 39 40 399 2,348 2,922 Balance, September 30, 2019 $ 3,631 $ 4,319 $ 24,626 $ 2,882 $ 1,226 $ 3,722 $ 40,406 Ending balance: Individually evaluated for impairment $ 224 $ — $ 569 $ — $ 14 $ 127 $ 934 Collectively evaluated for impairment $ 3,315 $ 4,236 $ 23,735 $ 2,747 $ 1,174 $ 3,572 $ 38,779 Loans acquired and accounted for under ASC 310-30 $ 92 $ 83 $ 322 $ 135 $ 38 $ 23 $ 693 Loans Individually evaluated for impairment $ 3,106 $ — $ 4,285 $ 83 $ 1,299 $ 1,722 $ 10,495 Collectively evaluated for impairment $ 515,760 $ 841,087 $ 1,490,336 $ 1,374,643 $ 317,284 $ 341,316 $ 4,880,426 Loans acquired and accounted for under ASC 310-30 $ 79,892 $ 11,349 $ 30,772 $ 4,069 $ 3,777 $ 12,240 $ 142,099 The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 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 July 1, 2018 $ 2,727 $ 3,845 $ 19,474 $ 2,395 $ 2,991 $ 6,124 $ 37,556 Provision (benefit) charged to expense 7 341 708 538 (1,019) 725 1,300 Losses charged off (18) (194) — (4) (274) (2,128) (2,618) Recoveries 79 41 1 97 80 961 1,259 Balance September 30, 2018 $ 2,795 $ 4,033 $ 20,183 $ 3,026 $ 1,778 $ 5,682 $ 37,497 Balance January 1, 2018 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Provision (benefit) charged to expense 494 1,310 1,519 1,009 (991) 1,859 5,200 Losses charged off (59) (525) (102) (87) (1,155) (7,062) (8,990) Recoveries 252 409 127 337 343 3,327 4,795 Balance September 30, 2018 $ 2,795 $ 4,033 $ 20,183 $ 3,026 $ 1,778 $ 5,682 $ 37,497 The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 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 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 The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 6 as follows: · · · · · · A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. Impaired loans (excluding FDIC-assisted loans, net of discount), are summarized as follows: September 30, 2019 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — $ — Subdivision construction 256 256 98 Land development 83 83 — Commercial construction — — — Owner occupied one- to four-family residential 2,055 2,312 105 Non-owner occupied one- to four-family residential 795 980 21 Commercial real estate 4,286 4,312 569 Other residential — — — Commercial business 1,299 1,766 14 Industrial revenue bonds — — — Consumer auto 840 1,083 107 Consumer other 340 517 16 Home equity lines of credit 541 563 4 Total $ 10,495 $ 11,872 $ 934 Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Average Investment Interest Investment Interest in Impaired Income in Impaired Income Loans Recognized Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — Subdivision construction 269 2 285 7 Land development 83 2 428 101 Commercial construction — — — — Owner occupied one- to four-family residential 2,042 23 2,745 80 Non-owner occupied one- to four-family residential 687 14 1,093 32 Commercial real estate 4,427 62 5,217 198 Other residential — — — — Commercial business 1,370 7 1,590 65 Industrial revenue bonds — — — — Consumer auto 883 21 1,121 64 Consumer other 331 12 399 34 Home equity lines of credit 447 13 318 30 Total $ 10,539 $ 156 $ 13,196 $ 611 At or for the Year Ended 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 September 30, 2018 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — $ — Subdivision construction 241 241 107 Land development 14 18 — Commercial construction — — — Owner occupied one- to four-family residential 3,663 3,995 343 Non-owner occupied one- to four-family residential 2,398 2,677 321 Commercial real estate 3,556 3,714 635 Other residential — — — Commercial business 2,008 2,383 324 Industrial revenue bonds — — — Consumer auto 1,843 2,046 331 Consumer other 566 751 85 Home equity lines of credit 115 133 17 Total $ 14,404 $ 15,958 $ 2,163 Three Months Ended Nine Months Ended September 30, 2018 September 30, 2018 Average Average Investment Interest Investment Interest in Impaired Income in Impaired Income Loans Recognized Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — Subdivision construction 299 3 336 11 Land development 15 1 15 1 Commercial construction — — — — Owner occupied one- to four-family residential 3,401 53 3,322 142 Non-owner occupied one- to four-family residential 2,583 38 3,082 130 Commercial real estate 6,689 55 7,115 278 Other residential 675 — 1,368 20 Commercial business 2,581 40 3,277 329 Industrial revenue bonds — — — — Consumer auto 1,865 37 2,120 118 Consumer other 671 11 806 48 Home equity lines of credit 405 — 500 28 Total $ 19,184 $ 238 $ 21,941 $ 1,105 At September 30, 2019, $4.7 million of impaired loans had specific valuation allowances totaling $934,000. At December 31, 2018, $8.4 million of impaired loans had specific valuation allowances totaling $2.0 million. Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flow or collateral adequacy approach. The following tables present newly restructured loans during the three and nine months ended September 30, 2019 and 2018, respectively, by type of modification: Three Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ — $ — $ — Three Months Ended September 30, 2018 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ 67 $ — $ 67 Nine Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ 73 $ — $ 73 Nine Months Ended September 30, 2018 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One- to four-family residential $ 1,348 $ — $ — 1,348 Consumer — 506 — 506 $ 1,348 $ 506 $ — $ 1,854 At September 30, 2019, the Company had $2.0 million of loans that were modified in troubled debt restructurings and impaired, as follows: $256,000 of construction and land development loans, $777,000 of one- to four-family and other residential mortgage loans, $418,000 of commercial real estate loans, $168,000 of commercial business loans and $355,000 of consumer loans. Of the total troubled debt restructurings at September 30, 2019, $1.4 million were accruing interest and $585,000 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 nine months ended September 30, 2019. When loans modified as troubled debt restructurings 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, 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 one- to four-family and other 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. 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. During the three and nine months ended September 30, 2019, $0 and $63,000 of loans, respectively, all of which consisted of consumer loans, designated as troubled debt restructurings met the criteria for placement back on accrual status. The criteria is generally a minimum of six months of consistent and timely payment performance under original or modified terms. During the three and nine months ended September 30, 2018, $46,000 and $85,000 of loans, respectively, all of which consisted of one- to four-family residential loans, designated as troubled debt restructurings met the criteria for placement back on accrual status. 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 September 30, 2019 and December 31, 2018, respectively. See Note 7 for further discussion of the acquired loan pools and the termination of the loss sharing agreements. 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, 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. In early 2018, we expanded our loan risk rating system to allow for further segregation of satisfactory credits. No significant changes were made to the allowance for loan loss methodology during the past year. The loan grading system is presented by loan class below: September 30, 2019 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 35,153 $ — $ — $ — $ — $ 35,153 Subdivision construction 16,326 — — — — 16,326 Land development 38,788 28 — 83 — 38,899 Commercial construction 1,335,827 — — — — 1,335,827 Owner occupied one- to four- family residential 343,359 — — 1,739 — 345,098 Non-owner occupied one- to four- family residential 121,298 425 — 566 — 122,289 Commercial real estate 1,458,339 32,312 — 3,970 — 1,494,621 Other residential 841,087 — — — — 841,087 Commercial business 299,286 4,702 — 1,245 — 305,233 Industrial revenue bonds 13,350 — — — — 13,350 Consumer auto 173,996 60 — 654 — 174,710 Consumer other 48,211 94 — 318 — 48,623 Home equity lines of credit 119,130 44 — 531 — 119,705 Loans acquired and accounted for under ASC 310-30, net of discounts 142,084 — — 15 — 142,099 Total $ 4,986,234 $ 37,665 $ — $ 9,121 $ — $ 5,033,020 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

NOTE 7_ ACQUIRED LOANS, LOSS SH

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS	3 Months Ended
	Sep. 30, 2019
Notes
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS	NOTE 7: FDIC-ACQUIRED LOANS 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. 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. Loss Sharing Agreements . The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at September 30, 2019 and December 31, 2018. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) September 30, 2019 Gross loans receivable $ 8,176 $ 10,958 $ 18,673 $ 66,462 $ 48,853 Balance of accretable discount due to change in expected losses (172) (116) (464) (4,778) (2,290) Net carrying value to loans receivable (7,981) (10,785) (18,073) (59,026) (45,786) Expected loss remaining $ 23 $ 57 $ 136 $ 2,658 $ 777 December 31, 2018 Gross loans receivable $ 10,602 $ 14,097 $ 21,171 $ 85,205 $ 53,470 Balance of accretable discount due to change in expected losses (399) (58) (342) (1,695) (169) Net carrying value to loans receivable (10,106) (13,809) (20,171) (74,436) (49,124) Expected loss remaining $ 97 $ 230 $ 658 $ 9,074 $ 4,177 Fair Value and Expected Cash Flows The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. The Company continues to evaluate the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the three months ended September 30, 2019 and 2018, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $5.1 million and $1.5 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. During the nine months ended September 30, 2019 and 2018, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $10.4 million and $4.0 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well. As of September 30, 2019, the remaining accretable yield adjustment that will affect interest income is $7.9 million. Of the remaining adjustments affecting interest income, we expect to recognize $1.8 million of interest income during the remainder of 2019. Additional adjustments may be recorded during the remainder of 2019 from the FDIC-assisted transactions, as the Company continues to estimate expected cash flows from the acquired loan pools. The impact to income of adjustments on the Company’s financial results is shown below: Three Months Ended Three Months Ended September 30, 2019 September 30, 2018 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $2,251 20 bps $1,424 14 bps Net impact to pre-tax income $2,251 $1,424 Net impact net of taxes $1,738 $1,106 Impact to diluted earnings per share $0.12 $0.08 Nine Months Ended Nine Months Ended September 30, 2019 September 30, 2018 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $5,162 15 bps $3,652 12 bps Net impact to pre-tax income $5,162 $3,652 Net impact net of taxes $3,985 $2,836 Impact to diluted earnings per share $0.28 $0.20 Changes in the accretable yield for acquired loan pools were as follows for the three and nine months ended September 30, 2019 and 2018: Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, July 1, 2019 $ 1,350 $ 1,227 $ 1,859 $ 8,465 $ 5,544 Accretion (196) (259) (414) (2,371) (1,257) Change in expected accretable yield (1) (9) 305 872 2,840 1,565 Balance, September 30, 2019 $ 1,145 $ 1,273 $ 2,317 $ 8,934 $ 5,852 Balance, July 1, 2018 $ 1,742 $ 1,652 $ 2,055 $ 5,910 $ 2,974 Accretion (294) (279) (399) (2,293) (901) Change in expected accretable yield (1) 103 234 500 2,054 578 Balance, September 30, 2018 $ 1,551 $ 1,607 $ 2,156 $ 5,671 $ 2,651 (1) Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses. The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended September 30, 2019, totaling $(21,000), $132,000, $565,000, $(644,000) and $482,000, respectively, and for the three months ended September 30, 2018, totaling $103,000, $234,000, $485,000, $604,000 and $578,000, respectively. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2019 $ 1,356 $ 1,432 $ 2,242 $ 4,994 $ 3,063 Accretion (811) (738) (1,195) (6,350) (3,243) Change in expected accretable yield (1) 600 579 1,270 10,290 6,032 Balance, September 30, 2019 $ 1,145 $ 1,273 $ 2,317 $ 8,934 $ 5,852 Balance, January 1, 2018 $ 2,071 $ 1,850 $ 2,901 $ 5,074 $ 2,695 Accretion (736) (897) (1,253) (5,943) (3,098) Change in expected accretable yield (1) 216 654 508 6,540 3,054 Balance, September 30, 2018 $ 1,551 $ 1,607 $ 2,156 $ 5,671 $ 2,651 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses. The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the nine months ended September 30, 2019, totaling $526,000, $406,000, $812,000, $4.0 million and $2.7 million, respectively, and for the nine months ended September 30, 2018, totaling $201,000, $654,000, $318,000, $3.6 million and $2.3 million, respectively.

Note 8_ Other Real Estate Owned

Note 8: Other Real Estate Owned	3 Months Ended
	Sep. 30, 2019
Notes
Note 8: Other Real Estate Owned	NOTE 8: OTHER REAL ESTATE OWNED AND REPOSSESSIONS Major classifications of other real estate owned were as follows: September 30, December 31, 2019 2018 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction 755 1,092 Land development 2,594 3,191 Commercial construction — — One- to four-family residential 310 269 Other residential — — Commercial real estate — — Commercial business — — Consumer 665 928 4,324 5,480 Foreclosed assets acquired through FDIC-assisted transactions, net of discounts 1,108 1,401 Foreclosed assets held for sale and repossessions, net 5,432 6,881 Other real estate owned not acquired through foreclosure 2,012 1,559 Other real estate owned and repossessions $ 7,444 $ 8,440 At September 30, 2019, other real estate owned not acquired through foreclosure included seven properties, all of which were branch locations that were closed and are held for sale. One of these properties, with a carrying value of $1.1 million, was added during the three months ended September 30, 2019. This property is under contract but the sale has not yet been completed. Three properties totaling $682,000, two of which were branch locations that were closed and held for sale and one of which was land acquired for a potential branch location, were sold during the nine months ended September, 30, 2019. At December 31, 2018, other real estate owned not acquired through foreclosure included nine properties, eight of which were branch locations that were closed and are held for sale, and one of which is land acquired for a potential branch location. At September 30, 2019, residential mortgage loans totaling $431,000 were in the process of foreclosure, $421,000 of which were acquired loans. Of the $421,000 of acquired loans, $162,000 were previously covered by loss sharing agreements and $259,000 were acquired in the Valley Bank transaction. At December 31, 2018, residential mortgage loans totaling $1.3 million were in the process of foreclosure, $1.0 million of which were acquired loans. Of the $1.0 million of acquired loans, $873,000 were previously covered by loss sharing agreements and $171,000 were acquired in the Valley Bank transaction. Expenses applicable to other real estate owned and repossessions included the following: Three Months Ended September 30, 2019 2018 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (250) $ (549) Valuation write-downs 280 178 Operating expenses, net of rental income 573 869 $ 603 $ 498 Nine Months Ended September 30, 2019 2018 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (659) $ (1,998) Valuation write-downs 724 3,551 Operating expenses, net of rental income 1,577 2,823 $ 1,642 $ 4,376

Note 9_ Premises and Equipment

Note 9: Premises and Equipment	3 Months Ended
	Sep. 30, 2019
Notes
Note 9: Premises and Equipment	NOTE 9: PREMISES AND EQUIPMENT Major classifications of premises and equipment, stated at cost, were as follows: September 30, December 31, 2019 2018 (In Thousands) Land $ 40,052 $ 40,508 Buildings and improvements 95,387 95,039 Furniture, fixtures and equipment 58,076 54,327 Operating leases right of use asset 8,888 — 202,403 189,874 Less accumulated depreciation 61,176 57,450 $ 141,227 $ 132,424 Leases. Leases (Topic 842) All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition. With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition. The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition. Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income. ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception. The practical expedient pertaining to land easements is not applicable to the Company. ASU 2016-02 also requires certain other accounting elections. The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months. Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases. The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs. The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three and nine months ended September 30, 2019, was $71,000 and $221,000, respectively. The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease. The expected lease terms range from 3.3 years to 19.9 years with a weighted-average lease term of 11.1 years. The weighted-average discount rate was 3.40%. At or For the At or For the Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,888 $ 8,888 Operating leases liability $ 8,952 $ 8,952 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 344 $ 1,092 (includes short-term lease costs and amortization of right of use asset) Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 326 $ 1,028 Right of use assets obtained in exchange for lease obligations: Operating leases $ 9,538 For the three months ended September 30, 2019 and 2018, lease expense was $344,000 and $261,000, respectively. For the nine months ended September 30, 2019 and 2018, lease expense was $1.1 million and $915,000, respectively. At September 30, 2019, future expected lease payments for leases with terms exceeding one year were as follows (in thousands): 2019 $357 2020 1,132 2021 1,148 2022 1,131 2023 1,082 2024 956 Thereafter 5,026 Future lease payments expected 10,832 Less interest portion of lease payments (1,880) Lease liability $ 8,952 The Company does not sublease any of its leased facilities; however, it does lease to other third parties portions of facilities that it owns. In terms of being the lessor in these circumstances, all of these lease agreements are classified as operating leases. In the three and nine months ended September 30, 2019, income recognized from these lessor agreements was $289,000 and $849,000, respectively, and was included in occupancy and equipment expense.

Note 10_ Deposits

Note 10: Deposits	3 Months Ended
	Sep. 30, 2019
Notes
Note 10: Deposits	NOTE 10: DEPOSITS September 30, December 31, 2019 2018 (In Thousands) Time Deposits: 0.00% - 0.99% $ 123,801 $ 150,656 1.00% - 1.99% 259,212 511,873 2.00% - 2.99% 1,268,956 857,973 3.00% - 3.99% 74,566 69,793 4.00% - 4.99% 1,028 1,116 Total time deposits (weighted average rate 2.21% and 1.98%) 1,727,563 1,591,411 Non-interest-bearing demand deposits 675,023 661,061 Interest-bearing demand and savings deposits (weighted average rate 0.55% and 0.46%) 1,532,568 1,472,535 Total Deposits $ 3,935,154 $ 3,725,007

Note 11_ Advances From Federal

Note 11: Advances From Federal Home Loan Bank	3 Months Ended
	Sep. 30, 2019
Notes
Note 11: Advances From Federal Home Loan Bank	NOTE 11: ADVANCES FROM FEDERAL HOME LOAN BANK At September 30, 2019 and December 31, 2018, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines (FHLBank advances). There were overnight funds from the Federal Home Loan Bank of Des Moines, which are included below in Note 12.

Note 12_ Securities Sold Under

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings	3 Months Ended
	Sep. 30, 2019
Notes
Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings	NOTE 12: SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS September 30, 2019 December 31, 2018 (In Thousands) Notes payable – Community Development Equity Funds $ 1,316 $ 1,625 Other interest-bearing liabilities 36,500 13,100 Overnight borrowings from the Federal Home Loan Bank 153,300 178,000 Securities sold under reverse repurchase agreements 102,569 105,253 $ 293,685 $ 297,978 The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements). Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition. The dollar amount of securities underlying the agreements remains in the asset accounts. Securities underlying the agreements are being held by the Bank during the agreement period. All agreements are written on a term of one month or less. At both September 30, 2019 and December 31, 2018, other interest-bearing liabilities consisted of cash collateral held by the Company to satisfy minimum collateral posting thresholds with its derivative dealer counterparties representing the termination value of derivatives, which at such time were in a net asset position. Under the collateral agreements between the parties, either party may choose to provide cash or securities to satisfy its collateral requirements. The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity. September 30, 2019 December 31, 2018 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 102,569 $ 105,253

Note 13_ Subordinated Notes

Note 13: Subordinated Notes	3 Months Ended
	Sep. 30, 2019
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 of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years. Amortization of the debt issuance costs during the three months ended September 30, 2019 and 2018, totaled $109,000 and $38,000, respectively, and is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.90%. Amortization of the debt issuance costs during the nine months ended September 30, 2019 and 2018, totaled $326,000 and $116,000, respectively, and is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.90%. At September 30, 2019 and December 31, 2018, subordinated notes are summarized as follows: September 30, 2019 December 31, 2018 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 832 1,158 $ 74,168 $ 73,842

Note 14_ Income Taxes

Note 14: Income Taxes	3 Months Ended
	Sep. 30, 2019
Notes
Note 14: Income Taxes	NOTE 14: INCOME TAXES Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows: Three Months Ended September 30, 2019 2018 Tax at statutory rate 21.0% 21.0% Nontaxable interest and dividends (0.5) (0.5) Tax credits (3.9) (2.2) State taxes 1.0 1.2 Other (0.1) --- 17.5% 19.5% Nine Months Ended September 30, 2019 2018 Tax at statutory rate 21.0% 21.0% Nontaxable interest and dividends (0.5) (0.7) Tax credits (4.2) (3.2) State taxes 1.2 1.2 Other 0.1 (0.1) 17.6% 18.2% The TCJ 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 TCJ Act be accounted for in the period of enactment. The Company recognized the income tax effects of the TCJ Act in its 2017 financial statements. The TCJ 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 TCJ 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	3 Months Ended
	Sep. 30, 2019
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 re-measured 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 re-measured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods. From December 31, 2018 to September 30, 2019, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at September 30, 2019 and December 31, 2018: 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) September 30, 2019 Agency mortgage-backed securities $ 197,833 $ — $ 197,833 $ — Agency collateralized mortgage obligations 114,436 — 114,436 — States and political subdivisions 36,751 — 36,751 — Interest rate derivative asset 38,015 — 38,015 — Interest rate derivative liability (1,763) — (1,763) — 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) — 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 September 30, 2019 and December 31, 2018, 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 nine-month period ended September 30, 2019. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-Sale Securities. Interest Rate Derivatives. Nonrecurring Measurements The following tables present the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2019 and December 31, 2018: 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) September 30, 2019 Impaired loans $ 759 $ — $ — $ 759 Foreclosed assets held for sale $ 1,017 $ — $ — $ 1,017 December 31, 2018 Impaired loans $ 2,805 $ — $ — $ 2,805 Foreclosed assets held for sale $ 1,776 $ — $ — $ 1,776 The following is a description of valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Loans Held for Sale. Impaired Loans. Receivables The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the nine months ended September 30, 2019 or the year ended December 31, 2018, are shown in the table above (net of reserves). Foreclosed Assets Held for Sale. Fair Value of Financial Instruments The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value. Cash and Cash Equivalents and Federal Home Loan Bank Stock. Loans and Interest Receivable. Deposits and Accrued Interest Payable. Short-Term Borrowings. Subordinated Debentures Issued to Capital Trusts. Subordinated Notes. Commitments to Originate Loans, Letters of Credit and Lines of Credit. The following table presents estimated fair values of the Company’s financial instruments not recorded at fair value on the statements of financial condition. The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. September 30, 2019 December 31, 2018 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $ 190,877 $ 190,877 1 $ 202,742 $ 202,742 1 Mortgage loans held for sale 10,819 10,819 2 1,650 1,650 2 Loans, net of allowance for loan losses 4,156,703 4,142,471 3 3,989,001 3,955,786 3 Accrued interest receivable 13,701 13,701 3 13,448 13,448 3 Investment in FHLBank stock 11,765 11,765 3 12,438 12,438 3 Financial liabilities Deposits 3,935,154 3,938,942 3 3,725,007 3,717,899 3 Short-term borrowings 293,685 293,685 3 297,978 297,978 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,168 76,875 2 73,842 75,188 2 Accrued interest payable 3,119 3,119 3 3,570 3,570 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 97 97 3 146 146 3 Lines of credit — — 3 — — 3

Note 16_ Derivatives and Hedgin

Note 16: Derivatives and Hedging Activities	3 Months Ended
	Sep. 30, 2019
Notes
Note 16: Derivatives and Hedging Activities	NOTE 16: 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 as qualifying hedging relationships. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps. Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty. Five of the seven acquired loans with interest rate swaps have paid off. The aggregate notional amount of the two remaining Valley swaps was $705,000 at September 30, 2019. At September 30, 2019, excluding the Valley Bank swaps, the Company had 18 interest rate swaps totaling $85.9 million in notional amount with commercial customers, and 18 interest rate swaps with the same aggregate notional amount with third parties related to its program. In addition, the Company has four participation loans purchased totaling $39.4 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation. At December 31, 2018, excluding the Valley Bank swaps, the Company had 18 interest rate swaps totaling $78.5 million in notional amount with commercial customers, and 18 interest rate swaps with the same aggregate notional amount with third parties related to its program. During the three months ended September 30, 2019 and 2018, the Company recognized net gains (losses) of $(101,000) and $5,000, respectively, in noninterest income related to changes in the fair value of these swaps. During the nine months ended September 30, 2019 and 2018, the Company recognized net gains (losses) of $(169,000) and $53,000, respectively, in noninterest income related to changes in the fair value of these swaps. Cash Flow Hedges Interest Rate Swap. 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 September 30, December 31, of Financial Condition 2019 2018 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ 36,444 $ 12,106 Total derivatives designated as hedging instruments $ 36,444 $ 12,106 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 1,571 $ 694 Total derivatives not designated as hedging instruments $ 1,571 $ 694 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 1,763 $ 716 Total derivatives not designated as hedging instruments $ 1,763 $ 716 The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income: Amount of Gain (Loss) Recognized in AOCI Three Months Ended September 30, Cash Flow Hedges 2019 2018 (In Thousands) Interest rate swap, net of income taxes $ 4,461 $ — Amount of Gain (Loss) Recognized in AOCI Nine Months Ended September 30, Cash Flow Hedges 2019 2018 (In Thousands) Interest rate swap, net of income taxes $ 18,789 $ — The following table presents the effect of cash flow hedge accounting on the statements of operations: Cash Flow Hedges Three Months Ended September 30, 2019 2018 Interest Income Interest Expense Interest Income Interest Expense (In Thousands) Interest rate swap $ 801 $ — $ — $ — Cash Flow Hedges Nine Months Ended September 30, 2019 2018 Interest Income Interest Expense Interest Income Interest Expense (In Thousands) Interest rate swap $ 1,881 $ — $ — $ — Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occur, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. As of September 30, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.6 million. In addition, as of September 30, 2019, 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 $36.4 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At September 30, 2019, the Company’s activity with one 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 $36.5 million to the Company to satisfy the balance sheet hedge. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.2 million to the derivative counterparties to satisfy the loan level agreements. 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.

NOTE 1_ BASIS OF PRESENTATION_

NOTE 1: BASIS OF PRESENTATION: Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies	The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the "Company" or "Great Southern") have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and nine months ended September 30, 2019 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2018, has been derived from the audited consolidated statement of financial condition of the Company as of that date. Certain prior period amounts have been reclassified to conform to the current period presentation. These reclassifications had no effect on net income. Certain information and note disclosures normally included in the Company's annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K

NOTE 2_ NATURE OF OPERATIONS _2

NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS: Segment Reporting, Policy (Policies)	3 Months Ended
	Sep. 30, 2019
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 by 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 4_ EARNINGS PER SHARE_ Ear

NOTE 4: EARNINGS PER SHARE: Earnings Per Share, Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Earnings Per Share, Policy	Options outstanding at September 30, 2019 and 2018, to purchase 328,275 and 170,600 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended September 30, 2019 and 2018, respectively. Options outstanding at September 30, 2019 and 2018, to purchase 318,275 and 260,947 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the nine month periods because the exercise prices of such options were greater than the average market prices of the common stock for the nine months ended September 30, 2019 and 2018, respectively.

NOTE 5_ INVESTMENT SECURITIES_

NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Investment, Policy	Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at September 30, 2019 and December 31, 2018, was approximately $64.8 million and $95.7 million, respectively, which is approximately 18.6% and 39.2% of the Company’s available-for-sale investment portfolio, respectively. Based on an evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary.

NOTE 6_ LOANS AND ALLOWANCE F_2

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Loan Portfolio Credit Quality Internal Grading System Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Loan Portfolio Credit Quality Internal Grading System Policy	The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” 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 September 30, 2019 and December 31, 2018, respectively. See Note 7 for further discussion of the acquired loan pools and the termination of the loss sharing agreements. 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, 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. In early 2018, we expanded our loan risk rating system to allow for further segregation of satisfactory credits. No significant changes were made to the allowance for loan loss methodology during the past year.

NOTE 7_ ACQUIRED LOANS, LOSS _2

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Combinations Policy (Policies)	3 Months Ended
	Sep. 30, 2019
TeamBank
Business Combinations Policy	On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The loans, commitments and foreclosed assets purchased in the TeamBank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
Vantus Bank
Business Combinations Policy	On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The loans, commitments and foreclosed assets purchased in the Vantus Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
Sun Security Bank
Business Combinations Policy	On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The loans and foreclosed assets purchased in the Sun Security Bank transaction were covered by a loss sharing agreement between the FDIC and Great Southern Bank. 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
InterBank
Business Combinations Policy	On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The loans and foreclosed assets purchased in the InterBank transaction 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. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded.
Valley Bank
Business Combinations Policy	On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, 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.

NOTE 7_ ACQUIRED LOANS, LOSS _3

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Loss Sharing Agreement Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Loss Sharing Agreement Policy	Loss Sharing Agreements .

NOTE 7_ ACQUIRED LOANS, LOSS _4

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Acquisition Fair Value and Expected Cash Flows Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Business Acquisition Fair Value and Expected Cash Flows Policy	Fair Value and Expected Cash Flows The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. The Company continues to evaluate the fair value of the loans including cash flows expected to be collected. Increases in the Company’s cash flow expectations are recognized as increases to the accretable yield while decreases are recognized as impairments through the allowance for loan losses. During the three months ended September 30, 2019 and 2018, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $5.1 million and $1.5 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. During the nine months ended September 30, 2019 and 2018, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $10.4 million and $4.0 million, respectively, to the accretable yield to be spread over the estimated remaining lives of the loans on a level-yield basis. Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well. As of September 30, 2019, the remaining accretable yield adjustment that will affect interest income is $7.9 million. Of the remaining adjustments affecting interest income, we expect to recognize $1.8 million of interest income during the remainder of 2019. Additional adjustments may be recorded during the remainder of 2019 from the FDIC-assisted transactions, as the Company continues to estimate expected cash flows from the acquired loan pools.

Note 9_ Premises and Equipment_

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Lessee, Operating Lease, Disclosure	Leases. Leases (Topic 842) All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition. With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition. The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition. Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income. ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception. The practical expedient pertaining to land easements is not applicable to the Company. ASU 2016-02 also requires certain other accounting elections. The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months. Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases. The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs. The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three and nine months ended September 30, 2019, was $71,000 and $221,000, respectively. The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease. The expected lease terms range from 3.3 years to 19.9 years with a weighted-average lease term of 11.1 years. The weighted-average discount rate was 3.40%.

Note 14_ Income Taxes_ Income T

Note 14: Income Taxes: Income Tax, Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Income Tax, Policy	The TCJ 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 TCJ Act be accounted for in the period of enactment. The Company recognized the income tax effects of the TCJ Act in its 2017 financial statements. The TCJ 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 TCJ 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 Fa_2

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Measurement, Policy (Policies)	3 Months Ended
	Sep. 30, 2019
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 re-measured 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 re-measured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods. From December 31, 2018 to September 30, 2019, no assets for which fair value is measured on a recurring basis transferred between any levels of the hierarchy.

Note 15_ Disclosures About Fa_3

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Loans Held for Sale Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Loans Held for Sale Policy	Loans Held for Sale.

Note 15_ Disclosures About Fa_4

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Impaired Loans Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Impaired Loans Policy	Impaired Loans. Receivables The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for loan losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the nine months ended September 30, 2019 or the year ended December 31, 2018, are shown in the table above (net of reserves).

Note 15_ Disclosures About Fa_5

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Foreclosed Assets Held for Sale Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Foreclosed Assets Held for Sale Policy	Foreclosed Assets Held for Sale.

Note 15_ Disclosures About Fa_6

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Financial Instruments Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Financial Instruments Policy	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.

Note 15_ Disclosures About Fa_7

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Cash and Cash Equivalents and Federal home Loan Bank Stock Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Cash and Cash Equivalents and Federal home Loan Bank Stock Policy	Cash and Cash Equivalents and Federal Home Loan Bank Stock.

Note 15_ Disclosures About Fa_8

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Loans and Interest Receivable Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Loans and Interest Receivable Policy	Loans and Interest Receivable.

Note 15_ Disclosures About Fa_9

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Deposits and Accrued Interest Payable Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Deposits and Accrued Interest Payable Policy	Deposits and Accrued Interest Payable.

Note 15_ Disclosures About F_10

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Short Term Borrowings Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Short Term Borrowings Policy	Short-Term Borrowings.

Note 15_ Disclosures About F_11

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Subordinated Debentures Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Subordinated Debentures Policy	Subordinated Debentures Issued to Capital Trusts.

Note 15_ Disclosures About F_12

Note 15: Disclosures About Fair Value of Financial Instruments: Subordinated Notes Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Subordinated Notes Policy	Subordinated Notes.

Note 15_ Disclosures About F_13

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Fair Value Commitments to Originate Loans, Letters of Credit and Lines of Credit Policy	Commitments to Originate Loans, Letters of Credit and Lines of Credit.

Note 16_ Derivatives and Hedg_2

Note 16: Derivatives and Hedging Activities: Risk Management Objective of Using Derivatives (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
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.

Note 16_ Derivatives and Hedg_3

Note 16: Derivatives and Hedging Activities: Nondesignated Hedges (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Nondesignated Hedges	The Company has interest rate swaps that are not designated as qualifying hedging relationships. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps. Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty. Five of the seven acquired loans with interest rate swaps have paid off. The aggregate notional amount of the two remaining Valley swaps was $705,000 at September 30, 2019. At September 30, 2019, excluding the Valley Bank swaps, the Company had 18 interest rate swaps totaling $85.9 million in notional amount with commercial customers, and 18 interest rate swaps with the same aggregate notional amount with third parties related to its program. In addition, the Company has four participation loans purchased totaling $39.4 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation. At December 31, 2018, excluding the Valley Bank swaps, the Company had 18 interest rate swaps totaling $78.5 million in notional amount with commercial customers, and 18 interest rate swaps with the same aggregate notional amount with third parties related to its program. During the three months ended September 30, 2019 and 2018, the Company recognized net gains (losses) of $(101,000) and $5,000, respectively, in noninterest income related to changes in the fair value of these swaps. During the nine months ended September 30, 2019 and 2018, the Company recognized net gains (losses) of $(169,000) and $53,000, respectively, in noninterest income related to changes in the fair value of these swaps.

Note 16_ Derivatives and Hedg_4

Note 16: Derivatives and Hedging Activities: Cash Flow Hedges (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Cash Flow Hedges	Interest Rate Swap.

Note 16_ Derivatives and Hedg_5

Note 16: Derivatives and Hedging Activities: Agreements with Derivative Counterparties (Policies)	3 Months Ended
	Sep. 30, 2019
Policies
Agreements with Derivative Counterparties	The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occur, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. As of September 30, 2019, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $1.6 million. In addition, as of September 30, 2019, 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 $36.4 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At September 30, 2019, the Company’s activity with one 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 $36.5 million to the Company to satisfy the balance sheet hedge. Additionally, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $1.2 million to the derivative counterparties to satisfy the loan level agreements. 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.

NOTE 4_ EARNINGS PER SHARE_ Sch

NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	Three Months Ended September 30, 2019 2018 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,210 14,146 Net income and net income available to common stockholders $ 19,732 $ 22,516 Per common share amount $ 1.39 $ 1.59 Diluted: Average common shares outstanding 14,210 14,146 Net effect of dilutive stock options – based on the treasury stock method using average market price 107 153 Diluted common shares 14,317 14,299 Net income and net income available to common stockholders $ 19,732 $ 22,516 Per common share amount $ 1.38 $ 1.57 Nine Months Ended September 30, 2019 2018 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,187 14,124 Net income and net income available to common stockholders $ 55,720 $ 49,821 Per common share amount $ 3.93 $ 3.53 Diluted: Average common shares outstanding 14,187 14,124 Net effect of dilutive stock options – based on the treasury stock method using average market price 110 136 Diluted common shares 14,297 14,260 Net income and net income available to common stockholders $ 55,720 $ 49,821 Per common share amount $ 3.90 $ 3.49

NOTE 5_ INVESTMENT SECURITIES_2

NOTE 5: INVESTMENT SECURITIES: Investment Securities (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Investment Securities	September 30, 2019 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 186,485 $ 11,741 $ (393) $197,833 2.95% Agency collateralized mortgage obligations 110,673 3,799 (36) 114,436 3.07 States and political subdivisions 35,131 1,620 — 36,751 4.82 $ 332,289 $ 17,160 $ (429) $349,020 3.19% December 31, 2018 Gross Gross Tax Amortized Unrealized Unrealized Fair Equivalent Cost Gains Losses Value Yield (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 154,557 $ 1,272 $ 2,571 $153,258 2.83% Agency collateralized mortgage obligations 39,024 250 14 39,260 3.18 States and political subdivisions 50,022 1,428 — 51,450 4.81 $ 243,603 $ 2,950 $ 2,585 $243,968 3.29%

NOTE 5_ INVESTMENT SECURITIES_3

NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of available-for-sale securities at September 30, 2019, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Fair Cost Value (In Thousands) One year or less $ — $ — After one through five years 878 954 After five through ten years 9,140 9,501 After ten years 25,113 26,296 Securities not due on a single maturity date 297,158 312,269 $ 332,289 $ 349,020

NOTE 5_ INVESTMENT SECURITIES_4

NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Unrealized Gain (Loss) on Investments	The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2019 and December 31, 2018: September 30, 2019 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 $ — $ — $ 51,433 $ (393) $ 51,433 $ (393) Agency collateralized mortgage obligations 13,368 (36) — — 13,368 (36) $ 13,368 $ (36) $ 51,433 $ (393) $ 64,801 $ (429) December 31, 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) State and political subdivisions 511 — — — 511 — $ 21,491 $ (96) $ 74,186 $ (2,489) $ 95,677 $ (2,585)

NOTE 5_ INVESTMENT SECURITIES_5

NOTE 5: INVESTMENT SECURITIES: Reclassification out of Accumulated Other Comprehensive Income (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Reclassification out of Accumulated Other Comprehensive Income	Amounts Reclassified from Accumulated Other Comprehensive Income Three Months Ended September 30, Affected Line Item in the 2019 2018 Statements of Income (In Thousands) Unrealized gains on available- Net realized gains on sales of for-sale securities $ — $ 2 available-for-sale securities (Total reclassified amount before tax) Income Taxes — — Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ — $ 2 Amounts Reclassified from Accumulated Other Comprehensive Income Nine Months Ended September 30, Affected Line Item in the 2019 2018 Statements of Income (In Thousands) Unrealized gains on available- Net realized gains on sales of for-sale securities $ 10 $ 2 available-for-sale securities (Total reclassified amount before tax) Income Taxes (2) — Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ 8 $ 2

NOTE 6_ LOANS AND ALLOWANCE F_3

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Accounts, Notes, Loans and Financing Receivable	September 30, December 31, 2019 2018 (In Thousands) One- to four-family residential construction $35,153 $26,177 Subdivision construction 16,326 13,844 Land development 38,899 44,492 Commercial construction 1,335,827 1,417,166 Owner occupied one- to four-family residential 345,098 276,866 Non-owner occupied one- to four-family residential 122,289 122,438 Commercial real estate 1,494,621 1,371,435 Other residential 841,087 784,894 Commercial business 305,233 322,118 Industrial revenue bonds 13,350 13,940 Consumer auto 174,710 253,528 Consumer other 48,623 57,350 Home equity lines of credit 119,705 121,352 Loans acquired and accounted for under ASC 310-30, net of discounts 142,099 167,651 5,033,020 4,993,251 Undisbursed portion of loans in process (829,135) (958,441) Allowance for loan losses (40,406) (38,409) Deferred loan fees and gains, net (6,776) (7,400) $4,156,703 $3,989,001 Weighted average interest rate 5.11% 5.16%

NOTE 6_ LOANS AND ALLOWANCE F_4

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Loans Classified by Aging Analysis	September 30, 2019 Total Loans Total > 90 Days 30-59 Days 60-89 Days Over Total Loans Past Due and Past Due Past Due 90 Days Past Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ 250 $— $— $ 250 $ 34,903 $ 35,153 $ — Subdivision construction — — — — 16,326 16,326 — Land development — 28 83 111 38,788 38,899 — Commercial construction — — — — 1,335,827 1,335,827 — Owner occupied one- to four-family residential 556 55 913 1,524 343,574 345,098 — Non-owner occupied one- to four-family residential — 56 566 622 121,667 122,289 — Commercial real estate 498 91 637 1,226 1,493,395 1,494,621 — Other residential 9,319 — — 9,319 831,768 841,087 — Commercial business 23 11 1,245 1,279 303,954 305,233 — Industrial revenue bonds — — — — 13,350 13,350 — Consumer auto 1,408 366 513 2,287 172,423 174,710 — Consumer other 341 93 178 612 48,011 48,623 — Home equity lines of credit 303 — 531 834 118,871 119,705 — Loans acquired and accounted for under ASC 310-30, net of discounts 642 291 6,413 7,346 134,753 142,099 — 13,340 991 11,079 25,410 5,007,610 5,033,020 — Less loans acquired and accounted for under ASC 310-30, net 642 291 6,413 7,346 134,753 142,099 — Total $ 12,698 $ 700 $ 4,666 $ 18,064 $ 4,872,857 $ 4,890,921 $ — 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 — 12,312 3,376 13,127 28,815 4,964,436 4,993,251 — Less loans acquired and accounted for under ASC 310-30, net 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 $ —

NOTE 6_ LOANS AND ALLOWANCE F_5

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Financing Receivable, Nonaccrual	Nonaccruing loans (excluding FDIC-assisted acquired loans, net of discount) are summarized as follows: September 30, December 31, 2019 2018 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 83 49 Commercial construction — — Owner occupied one- to four-family residential 913 1,206 Non-owner occupied one- to four-family residential 566 1,458 Commercial real estate 637 334 Other residential — — Commercial business 1,245 1,437 Industrial revenue bonds — — Consumer auto 513 1,490 Consumer other 178 240 Home equity lines of credit 531 86 Total $ 4,666 $ 6,300

NOTE 6_ LOANS AND ALLOWANCE F_6

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Financing Receivable, Allowance for Credit Loss	The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2019. 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 September 30, 2019: 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, July 1, 2019 $ 3,803 $ 3,753 $ 22,367 $ 3,479 $ 1,678 $ 4,174 $ 39,254 Provision (benefit) charged to expense (232) 566 2,246 (571) (341) 282 1,950 Losses charged off (1) — — (46) (211) (1,419) (1,677) Recoveries 61 — 13 20 100 685 879 Balance, September 30, 2019 $ 3,631 $ 4,319 $ 24,626 $ 2,882 $ 1,226 $ 3,722 $ 40,406 Balance, January 1, 2019 $ 3,122 $ 4,713 $ 19,803 $ 3,105 $ 1,568 $ 6,098 $ 38,409 Provision (benefit) charged to expense 931 (394) 4,791 3 (431) 600 5,500 Losses charged off (518) — (7) (266) (310) (5,324) (6,425) Recoveries 96 — 39 40 399 2,348 2,922 Balance, September 30, 2019 $ 3,631 $ 4,319 $ 24,626 $ 2,882 $ 1,226 $ 3,722 $ 40,406 Ending balance: Individually evaluated for impairment $ 224 $ — $ 569 $ — $ 14 $ 127 $ 934 Collectively evaluated for impairment $ 3,315 $ 4,236 $ 23,735 $ 2,747 $ 1,174 $ 3,572 $ 38,779 Loans acquired and accounted for under ASC 310-30 $ 92 $ 83 $ 322 $ 135 $ 38 $ 23 $ 693 Loans Individually evaluated for impairment $ 3,106 $ — $ 4,285 $ 83 $ 1,299 $ 1,722 $ 10,495 Collectively evaluated for impairment $ 515,760 $ 841,087 $ 1,490,336 $ 1,374,643 $ 317,284 $ 341,316 $ 4,880,426 Loans acquired and accounted for under ASC 310-30 $ 79,892 $ 11,349 $ 30,772 $ 4,069 $ 3,777 $ 12,240 $ 142,099 The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 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 July 1, 2018 $ 2,727 $ 3,845 $ 19,474 $ 2,395 $ 2,991 $ 6,124 $ 37,556 Provision (benefit) charged to expense 7 341 708 538 (1,019) 725 1,300 Losses charged off (18) (194) — (4) (274) (2,128) (2,618) Recoveries 79 41 1 97 80 961 1,259 Balance September 30, 2018 $ 2,795 $ 4,033 $ 20,183 $ 3,026 $ 1,778 $ 5,682 $ 37,497 Balance January 1, 2018 $ 2,108 $ 2,839 $ 18,639 $ 1,767 $ 3,581 $ 7,558 $ 36,492 Provision (benefit) charged to expense 494 1,310 1,519 1,009 (991) 1,859 5,200 Losses charged off (59) (525) (102) (87) (1,155) (7,062) (8,990) Recoveries 252 409 127 337 343 3,327 4,795 Balance September 30, 2018 $ 2,795 $ 4,033 $ 20,183 $ 3,026 $ 1,778 $ 5,682 $ 37,497 The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 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 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

NOTE 6_ LOANS AND ALLOWANCE F_7

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Impaired Financing Receivables	Impaired loans (excluding FDIC-assisted loans, net of discount), are summarized as follows: September 30, 2019 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — $ — Subdivision construction 256 256 98 Land development 83 83 — Commercial construction — — — Owner occupied one- to four-family residential 2,055 2,312 105 Non-owner occupied one- to four-family residential 795 980 21 Commercial real estate 4,286 4,312 569 Other residential — — — Commercial business 1,299 1,766 14 Industrial revenue bonds — — — Consumer auto 840 1,083 107 Consumer other 340 517 16 Home equity lines of credit 541 563 4 Total $ 10,495 $ 11,872 $ 934 Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Average Average Investment Interest Investment Interest in Impaired Income in Impaired Income Loans Recognized Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — Subdivision construction 269 2 285 7 Land development 83 2 428 101 Commercial construction — — — — Owner occupied one- to four-family residential 2,042 23 2,745 80 Non-owner occupied one- to four-family residential 687 14 1,093 32 Commercial real estate 4,427 62 5,217 198 Other residential — — — — Commercial business 1,370 7 1,590 65 Industrial revenue bonds — — — — Consumer auto 883 21 1,121 64 Consumer other 331 12 399 34 Home equity lines of credit 447 13 318 30 Total $ 10,539 $ 156 $ 13,196 $ 611 At or for the Year Ended 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 September 30, 2018 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — $ — Subdivision construction 241 241 107 Land development 14 18 — Commercial construction — — — Owner occupied one- to four-family residential 3,663 3,995 343 Non-owner occupied one- to four-family residential 2,398 2,677 321 Commercial real estate 3,556 3,714 635 Other residential — — — Commercial business 2,008 2,383 324 Industrial revenue bonds — — — Consumer auto 1,843 2,046 331 Consumer other 566 751 85 Home equity lines of credit 115 133 17 Total $ 14,404 $ 15,958 $ 2,163 Three Months Ended Nine Months Ended September 30, 2018 September 30, 2018 Average Average Investment Interest Investment Interest in Impaired Income in Impaired Income Loans Recognized Loans Recognized (In Thousands) One- to four-family residential construction $ — $ — $ — $ — Subdivision construction 299 3 336 11 Land development 15 1 15 1 Commercial construction — — — — Owner occupied one- to four-family residential 3,401 53 3,322 142 Non-owner occupied one- to four-family residential 2,583 38 3,082 130 Commercial real estate 6,689 55 7,115 278 Other residential 675 — 1,368 20 Commercial business 2,581 40 3,277 329 Industrial revenue bonds — — — — Consumer auto 1,865 37 2,120 118 Consumer other 671 11 806 48 Home equity lines of credit 405 — 500 28 Total $ 19,184 $ 238 $ 21,941 $ 1,105

NOTE 6_ LOANS AND ALLOWANCE F_8

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Financing Receivable, Troubled Debt Restructuring	The following tables present newly restructured loans during the three and nine months ended September 30, 2019 and 2018, respectively, by type of modification: Three Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ — $ — $ — Three Months Ended September 30, 2018 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ 67 $ — $ 67 Nine Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ — $ 73 $ — $ 73 Nine Months Ended September 30, 2018 Total Interest Only Term Combination Modification (In Thousands) Mortgage loans on real estate: One- to four-family residential $ 1,348 $ — $ — 1,348 Consumer — 506 — 506 $ 1,348 $ 506 $ — $ 1,854

NOTE 6_ LOANS AND ALLOWANCE F_9

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Financing Receivable Credit Quality Indicators	The loan grading system is presented by loan class below: September 30, 2019 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 35,153 $ — $ — $ — $ — $ 35,153 Subdivision construction 16,326 — — — — 16,326 Land development 38,788 28 — 83 — 38,899 Commercial construction 1,335,827 — — — — 1,335,827 Owner occupied one- to four- family residential 343,359 — — 1,739 — 345,098 Non-owner occupied one- to four- family residential 121,298 425 — 566 — 122,289 Commercial real estate 1,458,339 32,312 — 3,970 — 1,494,621 Other residential 841,087 — — — — 841,087 Commercial business 299,286 4,702 — 1,245 — 305,233 Industrial revenue bonds 13,350 — — — — 13,350 Consumer auto 173,996 60 — 654 — 174,710 Consumer other 48,211 94 — 318 — 48,623 Home equity lines of credit 119,130 44 — 531 — 119,705 Loans acquired and accounted for under ASC 310-30, net of discounts 142,084 — — 15 — 142,099 Total $ 4,986,234 $ 37,665 $ — $ 9,121 $ — $ 5,033,020 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

NOTE 7_ ACQUIRED LOANS, LOSS _5

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
FDIC Indemnification Asset Policy	Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) September 30, 2019 Gross loans receivable $ 8,176 $ 10,958 $ 18,673 $ 66,462 $ 48,853 Balance of accretable discount due to change in expected losses (172) (116) (464) (4,778) (2,290) Net carrying value to loans receivable (7,981) (10,785) (18,073) (59,026) (45,786) Expected loss remaining $ 23 $ 57 $ 136 $ 2,658 $ 777 December 31, 2018 Gross loans receivable $ 10,602 $ 14,097 $ 21,171 $ 85,205 $ 53,470 Balance of accretable discount due to change in expected losses (399) (58) (342) (1,695) (169) Net carrying value to loans receivable (10,106) (13,809) (20,171) (74,436) (49,124) Expected loss remaining $ 97 $ 230 $ 658 $ 9,074 $ 4,177

NOTE 7_ ACQUIRED LOANS, LOSS _6

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Impact of Adjustments of Acquired Loans on Financial Results	The impact to income of adjustments on the Company’s financial results is shown below: Three Months Ended Three Months Ended September 30, 2019 September 30, 2018 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $2,251 20 bps $1,424 14 bps Net impact to pre-tax income $2,251 $1,424 Net impact net of taxes $1,738 $1,106 Impact to diluted earnings per share $0.12 $0.08 Nine Months Ended Nine Months Ended September 30, 2019 September 30, 2018 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $5,162 15 bps $3,652 12 bps Net impact to pre-tax income $5,162 $3,652 Net impact net of taxes $3,985 $2,836 Impact to diluted earnings per share $0.28 $0.20

NOTE 7_ ACQUIRED LOANS, LOSS _7

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Accretable Yield Changes for Acquired Loans	Changes in the accretable yield for acquired loan pools were as follows for the three and nine months ended September 30, 2019 and 2018: Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, July 1, 2019 $ 1,350 $ 1,227 $ 1,859 $ 8,465 $ 5,544 Accretion (196) (259) (414) (2,371) (1,257) Change in expected accretable yield (1) (9) 305 872 2,840 1,565 Balance, September 30, 2019 $ 1,145 $ 1,273 $ 2,317 $ 8,934 $ 5,852 Balance, July 1, 2018 $ 1,742 $ 1,652 $ 2,055 $ 5,910 $ 2,974 Accretion (294) (279) (399) (2,293) (901) Change in expected accretable yield (1) 103 234 500 2,054 578 Balance, September 30, 2018 $ 1,551 $ 1,607 $ 2,156 $ 5,671 $ 2,651 (1) Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses. The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended September 30, 2019, totaling $(21,000), $132,000, $565,000, $(644,000) and $482,000, respectively, and for the three months ended September 30, 2018, totaling $103,000, $234,000, $485,000, $604,000 and $578,000, respectively. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2019 $ 1,356 $ 1,432 $ 2,242 $ 4,994 $ 3,063 Accretion (811) (738) (1,195) (6,350) (3,243) Change in expected accretable yield (1) 600 579 1,270 10,290 6,032 Balance, September 30, 2019 $ 1,145 $ 1,273 $ 2,317 $ 8,934 $ 5,852 Balance, January 1, 2018 $ 2,071 $ 1,850 $ 2,901 $ 5,074 $ 2,695 Accretion (736) (897) (1,253) (5,943) (3,098) Change in expected accretable yield (1) 216 654 508 6,540 3,054 Balance, September 30, 2018 $ 1,551 $ 1,607 $ 2,156 $ 5,671 $ 2,651 (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses. The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the nine months ended September 30, 2019, totaling $526,000, $406,000, $812,000, $4.0 million and $2.7 million, respectively, and for the nine months ended September 30, 2018, totaling $201,000, $654,000, $318,000, $3.6 million and $2.3 million, respectively.

Note 8_ Other Real Estate Own_2

Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Major Classifications of Foreclosed Assets	Major classifications of other real estate owned were as follows: September 30, December 31, 2019 2018 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction 755 1,092 Land development 2,594 3,191 Commercial construction — — One- to four-family residential 310 269 Other residential — — Commercial real estate — — Commercial business — — Consumer 665 928 4,324 5,480 Foreclosed assets acquired through FDIC-assisted transactions, net of discounts 1,108 1,401 Foreclosed assets held for sale and repossessions, net 5,432 6,881 Other real estate owned not acquired through foreclosure 2,012 1,559 Other real estate owned and repossessions $ 7,444 $ 8,440

Note 8_ Other Real Estate Own_3

Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Expenses Applicable to Foreclosed Assets	Expenses applicable to other real estate owned and repossessions included the following: Three Months Ended September 30, 2019 2018 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (250) $ (549) Valuation write-downs 280 178 Operating expenses, net of rental income 573 869 $ 603 $ 498 Nine Months Ended September 30, 2019 2018 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (659) $ (1,998) Valuation write-downs 724 3,551 Operating expenses, net of rental income 1,577 2,823 $ 1,642 $ 4,376

Note 9_ Premises and Equipmen_2

Note 9: Premises and Equipment: Property, Plant and Equipment (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Property, Plant and Equipment	September 30, December 31, 2019 2018 (In Thousands) Land $ 40,052 $ 40,508 Buildings and improvements 95,387 95,039 Furniture, fixtures and equipment 58,076 54,327 Operating leases right of use asset 8,888 — 202,403 189,874 Less accumulated depreciation 61,176 57,450 $ 141,227 $ 132,424

Note 9_ Premises and Equipmen_3

Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Calculated Amount of Right of Use Assets and Lease Liabilities	At or For the At or For the Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,888 $ 8,888 Operating leases liability $ 8,952 $ 8,952 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 344 $ 1,092 (includes short-term lease costs and amortization of right of use asset) Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 326 $ 1,028 Right of use assets obtained in exchange for lease obligations: Operating leases $ 9,538

Note 9_ Premises and Equipmen_4

Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Future Minimum Rental Payments for Operating Leases	2019 $357 2020 1,132 2021 1,148 2022 1,131 2023 1,082 2024 956 Thereafter 5,026 Future lease payments expected 10,832 Less interest portion of lease payments (1,880) Lease liability $ 8,952

Note 10_ Deposits_ Schedule of

Note 10: Deposits: Schedule of Deposit Liabilities (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Deposit Liabilities	September 30, December 31, 2019 2018 (In Thousands) Time Deposits: 0.00% - 0.99% $ 123,801 $ 150,656 1.00% - 1.99% 259,212 511,873 2.00% - 2.99% 1,268,956 857,973 3.00% - 3.99% 74,566 69,793 4.00% - 4.99% 1,028 1,116 Total time deposits (weighted average rate 2.21% and 1.98%) 1,727,563 1,591,411 Non-interest-bearing demand deposits 675,023 661,061 Interest-bearing demand and savings deposits (weighted average rate 0.55% and 0.46%) 1,532,568 1,472,535 Total Deposits $ 3,935,154 $ 3,725,007

Note 11_ Advances From Federa_2

Note 11: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Federal Home Loan Bank, Advances	At September 30, 2019 and December 31, 2018, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines (FHLBank advances). There were overnight funds from the Federal Home Loan Bank of Des Moines, which are included below in Note 12.

Note 12_ Securities Sold Unde_2

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Short-term Debt	September 30, 2019 December 31, 2018 (In Thousands) Notes payable – Community Development Equity Funds $ 1,316 $ 1,625 Other interest-bearing liabilities 36,500 13,100 Overnight borrowings from the Federal Home Loan Bank 153,300 178,000 Securities sold under reverse repurchase agreements 102,569 105,253 $ 293,685 $ 297,978

Note 12_ Securities Sold Unde_3

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Repurchase Agreements	September 30, 2019 December 31, 2018 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 102,569 $ 105,253

Note 13_ Subordinated Notes_ Sc

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Subordinated Borrowing	At September 30, 2019 and December 31, 2018, subordinated notes are summarized as follows: September 30, 2019 December 31, 2018 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 832 1,158 $ 74,168 $ 73,842

Note 14_ Income Taxes_ Schedule

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Effective Income Tax Rate Reconciliation	Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows: Three Months Ended September 30, 2019 2018 Tax at statutory rate 21.0% 21.0% Nontaxable interest and dividends (0.5) (0.5) Tax credits (3.9) (2.2) State taxes 1.0 1.2 Other (0.1) --- 17.5% 19.5% Nine Months Ended September 30, 2019 2018 Tax at statutory rate 21.0% 21.0% Nontaxable interest and dividends (0.5) (0.7) Tax credits (4.2) (3.2) State taxes 1.2 1.2 Other 0.1 (0.1) 17.6% 18.2%

Note 15_ Disclosures About F_14

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables)	3 Months Ended
	Sep. 30, 2019
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) September 30, 2019 Agency mortgage-backed securities $ 197,833 $ — $ 197,833 $ — Agency collateralized mortgage obligations 114,436 — 114,436 — States and political subdivisions 36,751 — 36,751 — Interest rate derivative asset 38,015 — 38,015 — Interest rate derivative liability (1,763) — (1,763) — 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) —

Note 15_ Disclosures About F_15

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	The following tables present the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2019 and December 31, 2018: 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) September 30, 2019 Impaired loans $ 759 $ — $ — $ 759 Foreclosed assets held for sale $ 1,017 $ — $ — $ 1,017 December 31, 2018 Impaired loans $ 2,805 $ — $ — $ 2,805 Foreclosed assets held for sale $ 1,776 $ — $ — $ 1,776

Note 15_ Disclosures About F_16

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule Of Financial Instruments Fair Value	September 30, 2019 December 31, 2018 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $ 190,877 $ 190,877 1 $ 202,742 $ 202,742 1 Mortgage loans held for sale 10,819 10,819 2 1,650 1,650 2 Loans, net of allowance for loan losses 4,156,703 4,142,471 3 3,989,001 3,955,786 3 Accrued interest receivable 13,701 13,701 3 13,448 13,448 3 Investment in FHLBank stock 11,765 11,765 3 12,438 12,438 3 Financial liabilities Deposits 3,935,154 3,938,942 3 3,725,007 3,717,899 3 Short-term borrowings 293,685 293,685 3 297,978 297,978 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,168 76,875 2 73,842 75,188 2 Accrued interest payable 3,119 3,119 3 3,570 3,570 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 97 97 3 146 146 3 Lines of credit — — 3 — — 3

Note 16_ Derivatives and Hedg_6

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	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 September 30, December 31, of Financial Condition 2019 2018 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ 36,444 $ 12,106 Total derivatives designated as hedging instruments $ 36,444 $ 12,106 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 1,571 $ 694 Total derivatives not designated as hedging instruments $ 1,571 $ 694 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 1,763 $ 716 Total derivatives not designated as hedging instruments $ 1,763 $ 716

Note 16_ Derivatives and Hedg_7

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)	The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income: Amount of Gain (Loss) Recognized in AOCI Three Months Ended September 30, Cash Flow Hedges 2019 2018 (In Thousands) Interest rate swap, net of income taxes $ 4,461 $ — Amount of Gain (Loss) Recognized in AOCI Nine Months Ended September 30, Cash Flow Hedges 2019 2018 (In Thousands) Interest rate swap, net of income taxes $ 18,789 $ —

Note 16_ Derivatives and Hedg_8

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Tables)	3 Months Ended
	Sep. 30, 2019
Tables/Schedules
Schedule of Derivative Instruments, Effect on Statements of Operations	Cash Flow Hedges Three Months Ended September 30, 2019 2018 Interest Income Interest Expense Interest Income Interest Expense (In Thousands) Interest rate swap $ 801 $ — $ — $ — Cash Flow Hedges Nine Months Ended September 30, 2019 2018 Interest Income Interest Expense Interest Income Interest Expense (In Thousands) Interest rate swap $ 1,881 $ — $ — $ —

NOTE 4_ EARNINGS PER SHARE_ S_2

NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Weighted Average Number of Shares Outstanding, Basic	14,210	14,146	14,187	14,124
Net Income (Loss) Available to Common Stockholders, Basic	$ 19,732	$ 22,516	$ 55,720	$ 49,821
Earnings Per Share, Basic	$ 1.39	$ 1.59	$ 3.93	$ 3.53
Weighted Average Number of Shares Outstanding, Diluted	14,210	14,146	14,187	14,124
Net effect of dilutive stock options - based on the treasurystock method using average market price	107	153	110	136
Weighted Average Number Diluted Shares Outstanding Adjustment	14,317	14,299	14,297	14,260
Net Income (Loss) Available to Common Stockholders, Diluted	$ 19,732	$ 22,516	$ 55,720	$ 49,821
Earnings Per Share, Diluted	$ 1.38	$ 1.57	$ 3.90	$ 3.49

NOTE 4_ EARNINGS PER SHARE_ E_2

NOTE 4: EARNINGS PER SHARE: Earnings Per Share, Policy (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
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	328,275	170,600	318,275	260,947

NOTE 5_ INVESTMENT SECURITIES_6

NOTE 5: INVESTMENT SECURITIES: Investment Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Available-for-sale Securities
Available For Sale Securities Amortized Cost Amount	$ 332,289	$ 243,603
Available-for-sale Securities, Gross Unrealized Gain	17,160	2,950
Available-for-sale Securities, Gross Unrealized Loss	(429)	2,585
Available for Sale Securities Fair Value	$ 349,020	$ 243,968
Available for Sale Securities Tax Equivalent Yield	3.19%	3.29%
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available For Sale Securities Amortized Cost Amount	$ 186,485	$ 154,557
Available-for-sale Securities, Gross Unrealized Gain	11,741	1,272
Available-for-sale Securities, Gross Unrealized Loss	(393)	2,571
Available for Sale Securities Fair Value	$ 197,833	$ 153,258
Available for Sale Securities Tax Equivalent Yield	2.95%	2.83%
Collateralized Mortgage Obligations
Available For Sale Securities Amortized Cost Amount	$ 110,673	$ 39,024
Available-for-sale Securities, Gross Unrealized Gain	3,799	250
Available-for-sale Securities, Gross Unrealized Loss	(36)	14
Available for Sale Securities Fair Value	$ 114,436	$ 39,260
Available for Sale Securities Tax Equivalent Yield	3.07%	3.18%
US States and Political Subdivisions Debt Securities
Available For Sale Securities Amortized Cost Amount	$ 35,131	$ 50,022
Available-for-sale Securities, Gross Unrealized Gain	1,620	1,428
Available-for-sale Securities, Gross Unrealized Loss	0	0
Available for Sale Securities Fair Value	$ 36,751	$ 51,450
Available for Sale Securities Tax Equivalent Yield	4.82%	4.81%

NOTE 5_ INVESTMENT SECURITIES_7

NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2019USD ($)
Details
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	$ 0
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	0
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	878
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	954
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	9,140
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	9,501
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	25,113
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	26,296
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	297,158
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	312,269
Available For Sale Securities Amortized Cost of Contractual Maturities	332,289
Available For Sale Securities Fair Value of Contractual Maturities	$ 349,020

NOTE 5_ INVESTMENT SECURITIES_8

NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Details
Fair Value of Debt Securities Reported Less Than Their Historical Cost	$ 64,800	$ 95,700
Debt Securities Reported Less Than Their Historical Cost Percent of Investment Portfolio	18.60%	39.20%

NOTE 5_ INVESTMENT SECURITIES_9

NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Collateralized Mortgage Backed Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 0	$ 11,255
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	(82)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	51,433	74,186
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(393)	(2,489)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	51,433	85,441
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(393)	(2,571)
Collateralized Mortgage Obligations
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	13,368	9,725
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(36)	(14)
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	13,368	9,725
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(36)	(14)
Unrealized Losses and Estimated Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	13,368	21,491
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(36)	(96)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	51,433	74,186
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(393)	(2,489)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	64,801	95,677
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ (429)	(2,585)
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		511
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		0
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		511
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		$ 0

NOTE 5_ INVESTMENT SECURITIE_10

NOTE 5: INVESTMENT SECURITIES: Sales of Available for Sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Proceeds from Sale of Available-for-sale Securities	$ 0		$ 28,057	$ 502
Available-for-sale Securities, Gross Realized Gains		$ 2,000	226	2,000
Available-for-sale Securities, Gross Realized Losses		$ 0	$ 216	$ 0

NOTE 5_ INVESTMENT SECURITIE_11

NOTE 5: INVESTMENT SECURITIES: Other than temporary impairment securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities	$ 0	$ 0	$ 0	$ 0

NOTE 5_ INVESTMENT SECURITIE_12

NOTE 5: INVESTMENT SECURITIES: Credit Losses Recognized on Investments (Details) - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Details
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Reductions, Securities Sold	$ 0	$ 0

NOTE 5_ INVESTMENT SECURITIES (

NOTE 5: INVESTMENT SECURITIES (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2018USD ($)
Details
Stranded tax amount related to unrealized gains and losses on available for sale securities	$ 272

NOTE 5_ INVESTMENT SECURITIE_13

NOTE 5: INVESTMENT SECURITIES: Reclassification out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Reclassifications out of accumulated other comprehensive income	$ 0	$ 2	$ 8	$ 2
Reclassification out of Accumulated Other Comprehensive Income | Net Realized Gains on Sales of Available for Sale Securities Reclassified Amount Before Tax
Available-for-sale Securities, Gross Unrealized Gain	0	2	10	2
Reclassification out of Accumulated Other Comprehensive Income | Provision for Income Taxes
Income Taxes Paid	$ 0	$ 0	$ (2)	$ 0

NOTE 6_ LOANS AND ALLOWANCE _10

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Loans Receivable weighted average interest rate	5.11%	5.16%
SEC Schedule, 12-09, Allowance, Loss on Finance Receivable
Loans Receivable	$ (40,406)	$ (38,409)
Automobile Loan
Loans Receivable	174,710	253,528
One-to-Four-Family Residential Construction
Loans Receivable	35,153	26,177
Subdivision Construction
Loans Receivable	16,326	13,844
Land Development
Loans Receivable	38,899	44,492
Commercial Construction
Loans Receivable	1,335,827	1,417,166
Owner Occupied One-to-Four-Family Residential
Loans Receivable	345,098	276,866
Non-Owner Occupied One To Four Family Residential
Loans Receivable	122,289	122,438
Commercial Real Estate
Loans Receivable	1,494,621	1,371,435
Other Residential
Loans Receivable	841,087	784,894
Commercial Business
Loans Receivable	305,233	322,118
Industrial Revenue Bonds
Loans Receivable	13,350	13,940
Consumer Loan
Loans Receivable	48,623	57,350
Home Equity Line of Credit
Loans Receivable	119,705	121,352
Acquired Loans Net of Discount
Loans Receivable	142,099	167,651
Loans Receivable, Gross
Loans Receivable	5,033,020	4,993,251
Undisbursed Portion of Loans in Process
Loans Receivable	(829,135)	(958,441)
Deferred Loan Fees and Gains Net
Loans Receivable	(6,776)	(7,400)
Loans Receivable
Loans Receivable	$ 4,156,703	$ 3,989,001

NOTE 6_ LOANS AND ALLOWANCE _11

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Financial Asset, 30 to 59 Days Past Due | Automobile Loan
Financing Receivables, By Class	$ 1,408	$ 2,596
Financial Asset, 30 to 59 Days Past Due | One-to-Four-Family Residential Construction
Financing Receivables, By Class	250	0
Financial Asset, 30 to 59 Days Past Due | Subdivision Construction
Financing Receivables, By Class	0	0
Financial Asset, 30 to 59 Days Past Due | Land Development
Financing Receivables, By Class	0	13
Financial Asset, 30 to 59 Days Past Due | Commercial Construction
Financing Receivables, By Class	0	0
Financial Asset, 30 to 59 Days Past Due | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	556	1,431
Financial Asset, 30 to 59 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables, By Class	0	1,142
Financial Asset, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	498	3,940
Financial Asset, 30 to 59 Days Past Due | Other Residential
Financing Receivables, By Class	9,319	0
Financial Asset, 30 to 59 Days Past Due | Commercial Business
Financing Receivables, By Class	23	72
Financial Asset, 30 to 59 Days Past Due | Industrial Revenue Bonds
Financing Receivables, By Class	0	3
Financial Asset, 30 to 59 Days Past Due | Consumer Loan
Financing Receivables, By Class	341	691
Financial Asset, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	303	229
Financial Asset, 30 to 59 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	642	2,195
Financial Asset, 30 to 59 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	13,340	12,312
Financial Asset, 30 to 59 Days Past Due | Less: Acquired Loans Net of Discount
Financing Receivables, By Class	642	2,195
Financial Asset, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables, By Class	12,698	10,117
Financial Asset, 60 to 89 Days Past Due | Automobile Loan
Financing Receivables, By Class	366	722
Financial Asset, 60 to 89 Days Past Due | One-to-Four-Family Residential Construction
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Subdivision Construction
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Land Development
Financing Receivables, By Class	28	0
Financial Asset, 60 to 89 Days Past Due | Commercial Construction
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	55	806
Financial Asset, 60 to 89 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables, By Class	56	144
Financial Asset, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	91	53
Financial Asset, 60 to 89 Days Past Due | Other Residential
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Commercial Business
Financing Receivables, By Class	11	54
Financial Asset, 60 to 89 Days Past Due | Industrial Revenue Bonds
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Consumer Loan
Financing Receivables, By Class	93	181
Financial Asset, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	291	1,416
Financial Asset, 60 to 89 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	991	3,376
Financial Asset, 60 to 89 Days Past Due | Less: Acquired Loans Net of Discount
Financing Receivables, By Class	291	1,416
Financial Asset, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables, By Class	700	1,960
Financial Asset, Equal to or Greater than 90 Days Past Due | Automobile Loan
Financing Receivables, By Class	513	1,490
Financial Asset, Equal to or Greater than 90 Days Past Due | One-to-Four-Family Residential Construction
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Subdivision Construction
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Land Development
Financing Receivables, By Class	83	49
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Construction
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	913	1,206
Financial Asset, Equal to or Greater than 90 Days Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables, By Class	566	1,458
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	637	334
Financial Asset, Equal to or Greater than 90 Days Past Due | Other Residential
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Business
Financing Receivables, By Class	1,245	1,437
Financial Asset, Equal to or Greater than 90 Days Past Due | Industrial Revenue Bonds
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer Loan
Financing Receivables, By Class	178	240
Financial Asset, Equal to or Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	531	86
Financial Asset, Equal to or Greater than 90 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	6,413	6,827
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	11,079	13,127
Financial Asset, Equal to or Greater than 90 Days Past Due | Less: Acquired Loans Net of Discount
Financing Receivables, By Class	6,413	6,827
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	4,666	6,300
Financing Receivables Past Due | Automobile Loan
Financing Receivables, By Class	2,287	4,808
Financing Receivables Past Due | One-to-Four-Family Residential Construction
Financing Receivables, By Class	250	0
Financing Receivables Past Due | Subdivision Construction
Financing Receivables, By Class	0	0
Financing Receivables Past Due | Land Development
Financing Receivables, By Class	111	62
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	1,524	3,443
Financing Receivables Past Due | Non-Owner Occupied One To Four Family Residential
Financing Receivables, By Class	622	2,744
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables, By Class	1,226	4,327
Financing Receivables Past Due | Other Residential
Financing Receivables, By Class	9,319	0
Financing Receivables Past Due | Commercial Business
Financing Receivables, By Class	1,279	1,563
Financing Receivables Past Due | Industrial Revenue Bonds
Financing Receivables, By Class	0	3
Financing Receivables Past Due | Consumer Loan
Financing Receivables, By Class	612	1,112
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables, By Class	834	315
Financing Receivables Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	7,346	10,438
Financing Receivables Past Due | Loans Receivable, Gross
Financing Receivables, By Class	25,410	28,815
Financing Receivables Past Due | Less: Acquired Loans Net of Discount
Financing Receivables, By Class	7,346	10,438
Financing Receivables Past Due | Loans Receivable
Financing Receivables, By Class	18,064	18,377
Financing Receivables Current | Automobile Loan
Financing Receivables, By Class	172,423	248,720
Financing Receivables Current | One-to-Four-Family Residential Construction
Financing Receivables, By Class	34,903	26,177
Financing Receivables Current | Subdivision Construction
Financing Receivables, By Class	16,326	13,844
Financing Receivables Current | Land Development
Financing Receivables, By Class	38,788	44,430
Financing Receivables Current | Commercial Construction
Financing Receivables, By Class	1,335,827	1,417,166
Financing Receivables Current | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	343,574	273,423
Financing Receivables Current | Non-Owner Occupied One To Four Family Residential
Financing Receivables, By Class	121,667	119,694
Financing Receivables Current | Commercial Real Estate
Financing Receivables, By Class	1,493,395	1,367,108
Financing Receivables Current | Other Residential
Financing Receivables, By Class	831,768	784,894
Financing Receivables Current | Commercial Business
Financing Receivables, By Class	303,954	320,555
Financing Receivables Current | Industrial Revenue Bonds
Financing Receivables, By Class	13,350	13,937
Financing Receivables Current | Consumer Loan
Financing Receivables, By Class	48,011	56,238
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables, By Class	118,871	121,037
Financing Receivables Current | Acquired Loans Net of Discount
Financing Receivables, By Class	134,753	157,213
Financing Receivables Current | Loans Receivable, Gross
Financing Receivables, By Class	5,007,610	4,964,436
Financing Receivables Current | Less: Acquired Loans Net of Discount
Financing Receivables, By Class	134,753	157,213
Financing Receivables Current | Loans Receivable
Financing Receivables, By Class	4,872,857	4,807,223
Financing Receivables, Total | Automobile Loan
Financing Receivables, By Class	174,710	253,528
Financing Receivables, Total | One-to-Four-Family Residential Construction
Financing Receivables, By Class	35,153	26,177
Financing Receivables, Total | Subdivision Construction
Financing Receivables, By Class	16,326	13,844
Financing Receivables, Total | Land Development
Financing Receivables, By Class	38,899	44,492
Financing Receivables, Total | Commercial Construction
Financing Receivables, By Class	1,335,827	1,417,166
Financing Receivables, Total | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	345,098	276,866
Financing Receivables, Total | Non-Owner Occupied One To Four Family Residential
Financing Receivables, By Class	122,289	122,438
Financing Receivables, Total | Commercial Real Estate
Financing Receivables, By Class	1,494,621	1,371,435
Financing Receivables, Total | Other Residential
Financing Receivables, By Class	841,087	784,894
Financing Receivables, Total | Commercial Business
Financing Receivables, By Class	305,233	322,118
Financing Receivables, Total | Industrial Revenue Bonds
Financing Receivables, By Class	13,350	13,940
Financing Receivables, Total | Consumer Loan
Financing Receivables, By Class	48,623	57,350
Financing Receivables, Total | Home Equity Line of Credit
Financing Receivables, By Class	119,705	121,352
Financing Receivables, Total | Acquired Loans Net of Discount
Financing Receivables, By Class	142,099	167,651
Financing Receivables, Total | Loans Receivable, Gross
Financing Receivables, By Class	5,033,020	4,993,251
Financing Receivables, Total | Less: Acquired Loans Net of Discount
Financing Receivables, By Class	142,099	167,651
Financing Receivables, Total | Loans Receivable
Financing Receivables, By Class	4,890,921	4,825,600
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Automobile Loan
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | One-to-Four-Family Residential Construction
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Subdivision Construction
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Land Development
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Construction
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Owner Occupied One-to-Four-Family Residential
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Non-Owner Occupied One To Four Family Residential
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Real Estate
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Other Residential
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Business
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Industrial Revenue Bonds
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Consumer Loan
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Home Equity Line of Credit
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Acquired Loans Net of Discount
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable, Gross
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Less: Acquired Loans Net of Discount
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Loans Receivable
Financing Receivables, By Class	$ 0	$ 0

NOTE 6_ LOANS AND ALLOWANCE _12

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Automobile Loan
Financing Receivable, Nonaccrual	$ 513	$ 1,490
One-to-Four-Family Residential Construction
Financing Receivable, Nonaccrual	0	0
Subdivision Construction
Financing Receivable, Nonaccrual	0	0
Land Development
Financing Receivable, Nonaccrual	83	49
Commercial Construction
Financing Receivable, Nonaccrual	0	0
Owner Occupied One-to-Four-Family Residential
Financing Receivable, Nonaccrual	913	1,206
Non-Owner Occupied One To Four Family Residential
Financing Receivable, Nonaccrual	566	1,458
Commercial Real Estate
Financing Receivable, Nonaccrual	637	334
Other Residential
Financing Receivable, Nonaccrual	0	0
Commercial Business
Financing Receivable, Nonaccrual	1,245	1,437
Industrial Revenue Bonds
Financing Receivable, Nonaccrual	0	0
Consumer Loan
Financing Receivable, Nonaccrual	178	240
Home Equity Line of Credit
Financing Receivable, Nonaccrual	531	86
Loans Receivable
Financing Receivable, Nonaccrual	$ 4,666	$ 6,300

NOTE 6_ LOANS AND ALLOWANCE _13

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Provision for Loan and Lease Losses	$ (1,950)	$ (1,300)	$ (5,500)	$ (5,200)
One-to-Four-Family Residential Construction
Financing Receivable, Credit Loss, Expense (Reversal)	(232)	7	931	494
Financing Receivable, Allowance for Credit Loss, Writeoff	(1)	(18)	(518)	(59)
Accounts Receivable, Allowance for Credit Loss, Recovery	61	79	96	252
One-to-Four-Family Residential Construction | Beginning of Period
Provision for Loan and Lease Losses	3,803	2,727	3,122	2,108
One-to-Four-Family Residential Construction | End of Period
Provision for Loan and Lease Losses	3,631	2,795	3,631	2,795
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	224		224		$ 694
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,315		3,315		2,392
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	92		92		36
Financing Receivable, Individually Evaluated for Impairment	3,106		3,106		6,116
Financing Receivable, Collectively Evaluated for Impairment	515,760		515,760		433,209
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	79,892		79,892		93,841
Other Residential
Financing Receivable, Credit Loss, Expense (Reversal)	566	341	(394)	1,310
Financing Receivable, Allowance for Credit Loss, Writeoff	0	(194)	0	(525)
Accounts Receivable, Allowance for Credit Loss, Recovery	0	41	0	409
Other Residential | Beginning of Period
Provision for Loan and Lease Losses	3,753	3,845	4,713	2,839
Other Residential | End of Period
Provision for Loan and Lease Losses	4,319	4,033	4,319	4,033
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	0		0		0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	4,236		4,236		4,681
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	83		83		32
Financing Receivable, Individually Evaluated for Impairment	0		0		0
Financing Receivable, Collectively Evaluated for Impairment	841,087		841,087		784,894
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	11,349		11,349		12,790
Commercial Real Estate
Financing Receivable, Credit Loss, Expense (Reversal)	2,246	708	4,791	1,519
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0	(7)	(102)
Accounts Receivable, Allowance for Credit Loss, Recovery	13	1	39	127
Commercial Real Estate | Beginning of Period
Provision for Loan and Lease Losses	22,367	19,474	19,803	18,639
Commercial Real Estate | End of Period
Provision for Loan and Lease Losses	24,626	20,183	24,626	20,183
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	569		569		613
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	23,735		23,735		18,958
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	322		322		232
Financing Receivable, Individually Evaluated for Impairment	4,285		4,285		3,501
Financing Receivable, Collectively Evaluated for Impairment	1,490,336		1,490,336		1,367,934
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	30,772		30,772		33,620
Commercial Construction
Financing Receivable, Credit Loss, Expense (Reversal)	(571)	538	3	1,009
Financing Receivable, Allowance for Credit Loss, Writeoff	(46)	(4)	(266)	(87)
Accounts Receivable, Allowance for Credit Loss, Recovery	20	97	40	337
Commercial Construction | Beginning of Period
Provision for Loan and Lease Losses	3,479	2,395	3,105	1,767
Commercial Construction | End of Period
Provision for Loan and Lease Losses	2,882	3,026	2,882	3,026
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	0		0		0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,747		2,747		3,029
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	135		135		76
Financing Receivable, Individually Evaluated for Impairment	83		83		14
Financing Receivable, Collectively Evaluated for Impairment	1,374,643		1,374,643		1,461,644
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	4,069		4,069		4,093
Commercial Business
Financing Receivable, Credit Loss, Expense (Reversal)	(341)	(1,019)	(431)	(991)
Financing Receivable, Allowance for Credit Loss, Writeoff	(211)	(274)	(310)	(1,155)
Accounts Receivable, Allowance for Credit Loss, Recovery	100	80	399	343
Commercial Business | Beginning of Period
Provision for Loan and Lease Losses	1,678	2,991	1,568	3,581
Commercial Business | End of Period
Provision for Loan and Lease Losses	1,226	1,778	1,226	1,778
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	14		14		309
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,174		1,174		1,247
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	38		38		12
Financing Receivable, Individually Evaluated for Impairment	1,299		1,299		1,844
Financing Receivable, Collectively Evaluated for Impairment	317,284		317,284		334,214
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	3,777		3,777		4,347
Consumer
Financing Receivable, Credit Loss, Expense (Reversal)	282	725	600	1,859
Financing Receivable, Allowance for Credit Loss, Writeoff	(1,419)	(2,128)	(5,324)	(7,062)
Accounts Receivable, Allowance for Credit Loss, Recovery	685	961	2,348	3,327
Consumer | Beginning of Period
Provision for Loan and Lease Losses	4,174	6,124	6,098	7,558
Consumer | End of Period
Provision for Loan and Lease Losses	3,722	5,682	3,722	5,682
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	127		127		425
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,572		3,572		5,640
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	23		23		33
Financing Receivable, Individually Evaluated for Impairment	1,722		1,722		2,464
Financing Receivable, Collectively Evaluated for Impairment	341,316		341,316		429,766
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	12,240		12,240		18,960
Loans Receivable
Financing Receivable, Credit Loss, Expense (Reversal)	1,950	1,300	5,500	5,200
Financing Receivable, Allowance for Credit Loss, Writeoff	(1,677)	(2,618)	(6,425)	(8,990)
Accounts Receivable, Allowance for Credit Loss, Recovery	879	1,259	2,922	4,795
Loans Receivable | Beginning of Period
Provision for Loan and Lease Losses	39,254	37,556	38,409	36,492
Loans Receivable | End of Period
Provision for Loan and Lease Losses	40,406	$ 37,497	40,406	$ 37,497
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	934		934		2,041
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	38,779		38,779		35,947
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	693		693		421
Financing Receivable, Individually Evaluated for Impairment	10,495		10,495		13,939
Financing Receivable, Collectively Evaluated for Impairment	4,880,426		4,880,426		4,811,661
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	$ 142,099		$ 142,099		$ 167,651

NOTE 6_ LOANS AND ALLOWANCE _14

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Automobile Loan
Impaired Financing Receivable, Recorded Investment	$ 840	$ 1,843	$ 840	$ 1,843	$ 1,874
Impaired Financing Receivable, Unpaid Principal Balance	1,083	2,046	1,083	2,046	2,114
Impaired Financing Receivable, Related Allowance	107	331	107	331	336
Impaired Financing Receivable, Average Recorded Investment	883	1,865	1,121	2,120	2,069
Impaired Financing Receivable Interest Income Recognized	21	37	64	118	167
One-to-Four-Family Residential Construction
Impaired Financing Receivable, Recorded Investment	0	0	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0	0	0
Subdivision Construction
Impaired Financing Receivable, Recorded Investment	256	241	256	241	318
Impaired Financing Receivable, Unpaid Principal Balance	256	241	256	241	318
Impaired Financing Receivable, Related Allowance	98	107	98	107	105
Impaired Financing Receivable, Average Recorded Investment	269	299	285	336	321
Impaired Financing Receivable Interest Income Recognized	2	3	7	11	17
Land Development
Impaired Financing Receivable, Recorded Investment	83	14	83	14	14
Impaired Financing Receivable, Unpaid Principal Balance	83	18	83	18	18
Impaired Financing Receivable, Related Allowance	0	0	0	0	0
Impaired Financing Receivable, Average Recorded Investment	83	15	428	15	14
Impaired Financing Receivable Interest Income Recognized	2	1	101	1	1
Commercial Construction
Impaired Financing Receivable, Recorded Investment	0	0	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0	0	0
Owner Occupied One-to-Four-Family Residential
Impaired Financing Receivable, Recorded Investment	2,055	3,663	2,055	3,663	3,576
Impaired Financing Receivable, Unpaid Principal Balance	2,312	3,995	2,312	3,995	3,926
Impaired Financing Receivable, Related Allowance	105	343	105	343	285
Impaired Financing Receivable, Average Recorded Investment	2,042	3,401	2,745	3,322	3,406
Impaired Financing Receivable Interest Income Recognized	23	53	80	142	197
Non-Owner Occupied One To Four Family Residential
Impaired Financing Receivable, Recorded Investment	795	2,398	795	2,398	2,222
Impaired Financing Receivable, Unpaid Principal Balance	980	2,677	980	2,677	2,519
Impaired Financing Receivable, Related Allowance	21	321	21	321	304
Impaired Financing Receivable, Average Recorded Investment	687	2,583	1,093	3,082	2,870
Impaired Financing Receivable Interest Income Recognized	14	38	32	130	158
Commercial Real Estate
Impaired Financing Receivable, Recorded Investment	4,286	3,556	4,286	3,556	3,501
Impaired Financing Receivable, Unpaid Principal Balance	4,312	3,714	4,312	3,714	3,665
Impaired Financing Receivable, Related Allowance	569	635	569	635	613
Impaired Financing Receivable, Average Recorded Investment	4,427	6,689	5,217	7,115	6,216
Impaired Financing Receivable Interest Income Recognized	62	55	198	278	337
Other Residential
Impaired Financing Receivable, Recorded Investment	0	0	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	675	0	1,368	1,026
Impaired Financing Receivable Interest Income Recognized	0	0	0	20	20
Commercial Business
Impaired Financing Receivable, Recorded Investment	1,299	2,008	1,299	2,008	1,844
Impaired Financing Receivable, Unpaid Principal Balance	1,766	2,383	1,766	2,383	2,207
Impaired Financing Receivable, Related Allowance	14	324	14	324	309
Impaired Financing Receivable, Average Recorded Investment	1,370	2,581	1,590	3,277	2,932
Impaired Financing Receivable Interest Income Recognized	7	40	65	329	362
Industrial Revenue Bonds
Impaired Financing Receivable, Recorded Investment	0	0	0	0	0
Impaired Financing Receivable, Unpaid Principal Balance	0	0	0	0	0
Impaired Financing Receivable, Related Allowance	0	0	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	0	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0	0	0
Consumer Loan
Impaired Financing Receivable, Recorded Investment	340	566	340	566	479
Impaired Financing Receivable, Unpaid Principal Balance	517	751	517	751	684
Impaired Financing Receivable, Related Allowance	16	85	16	85	72
Impaired Financing Receivable, Average Recorded Investment	331	671	399	806	738
Impaired Financing Receivable Interest Income Recognized	12	11	34	48	59
Home Equity Line of Credit
Impaired Financing Receivable, Recorded Investment	541	115	541	115	111
Impaired Financing Receivable, Unpaid Principal Balance	563	133	563	133	128
Impaired Financing Receivable, Related Allowance	4	17	4	17	17
Impaired Financing Receivable, Average Recorded Investment	447	405	318	500	412
Impaired Financing Receivable Interest Income Recognized	13	0	30	28	28
Loans Receivable
Impaired Financing Receivable, Recorded Investment	10,495	14,404	10,495	14,404	13,939
Impaired Financing Receivable, Unpaid Principal Balance	11,872	15,958	11,872	15,958	15,579
Impaired Financing Receivable, Related Allowance	934	2,163	934	2,163	2,041
Impaired Financing Receivable, Average Recorded Investment	10,539	19,184	13,196	21,941	20,004
Impaired Financing Receivable Interest Income Recognized	$ 156	$ 238	$ 611	$ 1,105	$ 1,346

NOTE 6_ LOANS AND ALLOWANCE _15

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Loans Specific Valuation Allowance (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Details
Impaired Loans With Specific Valuation Allowance	$ 4,700	$ 8,400
Impaired Loans Valuation Allowance	$ 934	$ 2,000

NOTE 6_ LOANS AND ALLOWANCE _16

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consumer
Troubled Debt Restructuring Loans Interest Only	$ 0	$ 0	$ 0	$ 0
Troubled Debt Restructuring Loans Modified Term	0	67	73	506
Troubled Debt Restructuring Loans Modified Combination	0	0	0	0
Troubled Debt Restructurings Total New Modifications	$ 0	$ 67	$ 73	506
One-to-Four-Family Residential
Troubled Debt Restructuring Loans Interest Only				1,348
Troubled Debt Restructuring Loans Modified Term				0
Troubled Debt Restructuring Loans Modified Combination				0
Troubled Debt Restructurings Total New Modifications				1,348
Newly Restructured Modified Loans
Troubled Debt Restructuring Loans Interest Only				1,348
Troubled Debt Restructuring Loans Modified Term				506
Troubled Debt Restructuring Loans Modified Combination				0
Troubled Debt Restructurings Total New Modifications				$ 1,854

NOTE 6_ LOANS AND ALLOWANCE _17

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Loans Modified in Troubled Debt Restructurings by Segment (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2019USD ($)	Dec. 31, 2018USD ($)
Troubled Debt Restructurings Total Modifications	$ 2,000	$ 6,900
Troubled Debt Restructurings Accruing Interest	$ 1,400	$ 4,700
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0
Substandard
Troubled Debt Restructurings Accruing Interest	$ 585	$ 2,500
Construction and Land Development
Troubled Debt Restructured Loans and Impaired	256	283
One- to Four-Family and Other Residential
Troubled Debt Restructured Loans and Impaired	777	3,900
Commercial Real Estate
Troubled Debt Restructured Loans and Impaired	418	1,300
Commercial Business
Troubled Debt Restructured Loans and Impaired	168	548
Consumer
Troubled Debt Restructured Loans and Impaired	$ 355	$ 803

NOTE 6_ LOANS AND ALLOWANCE _18

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Troubled Debt Restructured Loans Returned to Accrual Status (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consumer
Troubled Debt Restructurings Returned to Accrual Status	$ 0		$ 63
One-to-Four-Family Residential
Troubled Debt Restructurings Returned to Accrual Status		$ 46		$ 85

NOTE 6_ LOANS AND ALLOWANCE _19

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Satisfactory | Automobile Loan
Loan Portfolio Internal Grading System Classification	$ 173,996	$ 251,824
Satisfactory | One-to-Four-Family Residential Construction
Loan Portfolio Internal Grading System Classification	35,153	25,803
Satisfactory | Subdivision Construction
Loan Portfolio Internal Grading System Classification	16,326	12,077
Satisfactory | Land Development
Loan Portfolio Internal Grading System Classification	38,788	39,892
Satisfactory | Commercial Construction
Loan Portfolio Internal Grading System Classification	1,335,827	1,417,166
Satisfactory | Owner Occupied One-to-Four-Family Residential
Loan Portfolio Internal Grading System Classification	343,359	274,661
Satisfactory | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	121,298	119,951
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,458,339	1,357,987
Satisfactory | Other Residential
Loan Portfolio Internal Grading System Classification	841,087	784,393
Satisfactory | Commercial Business
Loan Portfolio Internal Grading System Classification	299,286	315,518
Satisfactory | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	13,350	13,940
Satisfactory | Consumer Loan
Loan Portfolio Internal Grading System Classification	48,211	56,859
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	119,130	121,134
Satisfactory | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	142,084	167,632
Satisfactory | Loans Receivable
Loan Portfolio Internal Grading System Classification	4,986,234	4,958,837
Watch | Automobile Loan
Loan Portfolio Internal Grading System Classification	60	116
Watch | One-to-Four-Family Residential Construction
Loan Portfolio Internal Grading System Classification	0	374
Watch | Subdivision Construction
Loan Portfolio Internal Grading System Classification	0	1,718
Watch | Land Development
Loan Portfolio Internal Grading System Classification	28	4,600
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	0	43
Watch | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	425	941
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	32,312	11,061
Watch | Other Residential
Loan Portfolio Internal Grading System Classification	0	501
Watch | Commercial Business
Loan Portfolio Internal Grading System Classification	4,702	5,163
Watch | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	0	0
Watch | Consumer Loan
Loan Portfolio Internal Grading System Classification	94	157
Watch | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	44	118
Watch | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	0	0
Watch | Loans Receivable
Loan Portfolio Internal Grading System Classification	37,665	24,792
Special Mention | Automobile Loan
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 | Land Development
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 | 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
Special Mention | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Automobile Loan
Loan Portfolio Internal Grading System Classification	654	1,588
Substandard | One-to-Four-Family Residential Construction
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Subdivision Construction
Loan Portfolio Internal Grading System Classification	0	49
Substandard | Land Development
Loan Portfolio Internal Grading System Classification	83	0
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	1,739	2,162
Substandard | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	566	1,546
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	3,970	2,387
Substandard | Other Residential
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Commercial Business
Loan Portfolio Internal Grading System Classification	1,245	1,437
Substandard | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Consumer Loan
Loan Portfolio Internal Grading System Classification	318	334
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	531	100
Substandard | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	15	19
Substandard | Loans Receivable
Loan Portfolio Internal Grading System Classification	9,121	9,622
Doubtful | Automobile Loan
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 | Land Development
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	0
Doubtful | Industrial Revenue Bonds
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
Doubtful | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	0
Total for Portfolio | Automobile Loan
Loan Portfolio Internal Grading System Classification	174,710	253,528
Total for Portfolio | One-to-Four-Family Residential Construction
Loan Portfolio Internal Grading System Classification	35,153	26,177
Total for Portfolio | Subdivision Construction
Loan Portfolio Internal Grading System Classification	16,326	13,844
Total for Portfolio | Land Development
Loan Portfolio Internal Grading System Classification	38,899	44,492
Total for Portfolio | Commercial Construction
Loan Portfolio Internal Grading System Classification	1,335,827	1,417,166
Total for Portfolio | Owner Occupied One-to-Four-Family Residential
Loan Portfolio Internal Grading System Classification	345,098	276,866
Total for Portfolio | Non-Owner Occupied One To Four Family Residential
Loan Portfolio Internal Grading System Classification	122,289	122,438
Total for Portfolio | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,494,621	1,371,435
Total for Portfolio | Other Residential
Loan Portfolio Internal Grading System Classification	841,087	784,894
Total for Portfolio | Commercial Business
Loan Portfolio Internal Grading System Classification	305,233	322,118
Total for Portfolio | Industrial Revenue Bonds
Loan Portfolio Internal Grading System Classification	13,350	13,940
Total for Portfolio | Consumer Loan
Loan Portfolio Internal Grading System Classification	48,623	57,350
Total for Portfolio | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	119,705	121,352
Total for Portfolio | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	142,099	167,651
Total for Portfolio | Loans Receivable
Loan Portfolio Internal Grading System Classification	$ 5,033,020	$ 4,993,251

NOTE 7_ ACQUIRED LOANS, LOSS _8

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
TeamBank
Gross loans receivable	$ 8,176	$ 10,602
Balance of accretable discount due to change in expected losses	(172)	(399)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(7,981)	(10,106)
Expected loss remaining	23	97
Vantus Bank
Gross loans receivable	10,958	14,097
Balance of accretable discount due to change in expected losses	(116)	(58)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(10,785)	(13,809)
Expected loss remaining	57	230
Sun Security Bank
Gross loans receivable	18,673	21,171
Balance of accretable discount due to change in expected losses	(464)	(342)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(18,073)	(20,171)
Expected loss remaining	136	658
InterBank
Gross loans receivable	66,462	85,205
Balance of accretable discount due to change in expected losses	(4,778)	(1,695)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(59,026)	(74,436)
Expected loss remaining	2,658	9,074
Valley Bank
Gross loans receivable	48,853	53,470
Balance of accretable discount due to change in expected losses	(2,290)	(169)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(45,786)	(49,124)
Expected loss remaining	$ 777	$ 4,177

NOTE 7_ ACQUIRED LOANS, LOSS _9

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Details) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019USD ($)$ / shares	Sep. 30, 2018USD ($)$ / shares	Sep. 30, 2019USD ($)$ / shares	Sep. 30, 2018USD ($)$ / shares
Details
Impact of acquired loan pools on net interest income	$ 2,251	$ 1,424	$ 5,162	$ 3,652
Impact of acquired loan pools on net interest margin (in basis points)	20	14	15	12
Net impact of acquired loan pools to pre-tax income	$ 2,251	$ 1,424	$ 5,162	$ 3,652
Net impact of acquired loan pools to net of taxes	$ 1,738	$ 1,106	$ 3,985	$ 2,836
Impact of acquired loan pools to diluted earnings per common share | $ / shares	$ 0.12	$ 0.08	$ 0.28	$ 0.20

NOTE 7_ ACQUIRED LOANS, LOSS_10

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Details) - USD ($) $ in Thousands	3 Months Ended				9 Months Ended
	Sep. 30, 2019		Sep. 30, 2018		Sep. 30, 2019		Sep. 30, 2018
TeamBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	$ (196)		$ (294)		$ (811)		$ (736)
Change in expected accretable yield	(9)	[1]	103	[1]	600	[2]	216	[2]
TeamBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,350		1,742		1,356		2,071
TeamBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,145		1,551		1,145		1,551
Vantus Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(259)		(279)		(738)		(897)
Change in expected accretable yield	305	[1]	234	[1]	579	[2]	654	[2]
Vantus Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,227		1,652		1,432		1,850
Vantus Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,273		1,607		1,273		1,607
Sun Security Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(414)		(399)		(1,195)		(1,253)
Change in expected accretable yield	872	[1]	500	[1]	1,270	[2]	508	[2]
Sun Security Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,859		2,055		2,242		2,901
Sun Security Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	2,317		2,156		2,317		2,156
InterBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(2,371)		(2,293)		(6,350)		(5,943)
Change in expected accretable yield	2,840	[1]	2,054	[1]	10,290	[2]	6,540	[2]
InterBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	8,465		5,910		4,994		5,074
InterBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	8,934		5,671		8,934		5,671
Valley Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(1,257)		(901)		(3,243)		(3,098)
Change in expected accretable yield	1,565	[1]	578	[1]	6,032	[2]	3,054	[2]
Valley Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	5,544		2,974		3,063		2,695
Valley Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	$ 5,852		$ 2,651		$ 5,852		$ 2,651
[1]	Represents increases (decreases) in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses. The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the three months ended September 30, 2019, totaling $(21,000), $132,000, $565,000, $(644,000) and $482,000, respectively, and for the three months ended September 30, 2018, totaling $103,000, $234,000, $485,000, $604,000 and $578,000, respectively.
[2]	Represents increases in estimated cash flows expected to be received from the acquired loan pools, partially due to lower estimated credit losses. The amounts also include changes in expected accretion of the loan pools for TeamBank, Vantus Bank, Sun Security Bank, InterBank and Valley Bank for the nine months ended September 30, 2019, totaling $526,000, $406,000, $812,000, $4.0 million and $2.7 million, respectively, and for the nine months ended September 30, 2018, totaling $201,000, $654,000, $318,000, $3.6 million and $2.3 million, respectively.

Note 8_ Other Real Estate Own_4

Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Foreclosed Assets Held For Sale | One-to-Four-Family Residential Construction
Foreclosed Assets	$ 0	$ 0
Foreclosed Assets Held For Sale | Subdivision Construction
Foreclosed Assets	755	1,092
Foreclosed Assets Held For Sale | Land Development
Foreclosed Assets	2,594	3,191
Foreclosed Assets Held For Sale | Commercial Construction
Foreclosed Assets	0	0
Foreclosed Assets Held For Sale | One-to-Four-Family Residential
Foreclosed Assets	310	269
Foreclosed Assets Held For Sale | Other Residential
Foreclosed Assets	0	0
Foreclosed Assets Held For Sale | Commercial Real Estate
Foreclosed Assets	0	0
Foreclosed Assets Held For Sale | Commercial Business
Foreclosed Assets	0	0
Foreclosed Assets Held For Sale | Consumer Loan
Foreclosed Assets	665	928
Foreclosed Assets Held For Sale | Foreclosed Assets Before FDIC-Assisted Acquired Assets
Foreclosed Assets	4,324	5,480
Foreclosed Assets Held For Sale | Foreclosed Assets Acquired Through FDIC-Assisted Transactions, Net of Discount
Foreclosed Assets	1,108	1,401
Foreclosed Assets Held For Sale, Net
Foreclosed Assets	5,432	6,881
Other Real Estate Owned Not Acquired Through Foreclosure
Foreclosed Assets	2,012	1,559
Other real estate owned
Foreclosed Assets	$ 7,444	$ 8,440

Note 8_ Other Real Estate Own_5

Note 8: Other Real Estate Owned: Loans in Process of Foreclosure (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Acquired Loans | Previously Covered by Loss Sharing Agreements
Mortgage Loans in Process of Foreclosure, Amount	$ 162	$ 873
Acquired Loans | Previously Covered by Loss Sharing Agreements | Valley Bank
Mortgage Loans in Process of Foreclosure, Amount	259	171
Residential Mortgage
Mortgage Loans in Process of Foreclosure, Amount	431	1,300
Residential Mortgage | Acquired Loans
Mortgage Loans in Process of Foreclosure, Amount	$ 421	$ 1,000

Note 8_ Other Real Estate Own_6

Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Net (gain) loss on sales of other real estate owned	$ (250)	$ (549)	$ (659)	$ (1,998)
Valuation write-downs on foreclosed assets	280	178	724	3,551
Operating expenses, net of rental income	573	869	1,577	2,823
Total foreclosed assets expenses	$ 603	$ 498	$ 1,642	$ 4,376

Note 9_ Premises and Equipmen_5

Note 9: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Details
Land	$ 40,052	$ 40,508
Buildings and improvements	95,387	95,039
Furniture, fixtures and equipment	58,076	54,327
Operating leases right of use asset	8,888	0
Property, Plant and Equipment, Gross	202,403	189,874
Less accumulated depreciation	61,176	57,450
Premises and equipment, net	$ 141,227	$ 132,424

Note 9_ Premises and Equipmen_6

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Lease Agreements (Details) $ in Thousands	Sep. 30, 2019USD ($)
Details
Number of Lessee Lease Agreements	17
Initial Leases and Lease Modifications and Renewals	$ 9,500
Finance Lease, Right-of-Use Asset	8,900
Finance Lease, Liability	$ 9,000

Note 9_ Premises and Equipmen_7

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Lease Expense Related to ATMs (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Details
Lease expense related to ATMs	$ 71	$ 221

Note 9_ Premises and Equipmen_8

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Expected Lease Terms (Details)	3 Months Ended
	Sep. 30, 2019
Weighted-average lease term	11.1 years
Operating Lease, Weighted Average Discount Rate, Percent	3.40%
Minimum
Lessee Expected Lease Terms	3.3 years
Maximum
Lessee Expected Lease Terms	19.9 years

Note 9_ Premises and Equipmen_9

Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Details) - USD ($) $ in Thousands		3 Months Ended	9 Months Ended
		Sep. 30, 2019	Sep. 30, 2019
Statement of Financial Condition
Right of Use Asset, Operating Leases		$ 8,888	$ 8,888
Liability, Operating Leases		8,952	8,952
Statement of Income
Operating Lease Costs Classified as Occupancy and Equipment Expense	[1]	344	1,092
Supplemental Cash Flow Information | Right of use assets obtained in exchange for lease obligations
Operating leases			9,538
Supplemental Cash Flow Information | Cash paid for amounts included in the measurement of lease liabilities
Operating Cash Flows from Operating Leases		$ 326	$ 1,028
[1]	Includes short-term lease costs and amortization of right of use asset.

Note 9_ Premises and Equipme_10

Note 9: Premises and Equipment: Operating Lease Expense (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Operating Lease, Expense	$ 344	$ 261	$ 1,100	$ 915

Note 9_ Premises and Equipme_11

Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Details) $ in Thousands	Sep. 30, 2019USD ($)
Details
Operating Leases, Future Minimum Payments, Remainder of Fiscal Year	$ 357
Operating Leases, Future Minimum Payments Due, Next Twelve Months	1,132
Operating Leases, Future Minimum Payments, Due in Two Years	1,148
Operating Leases, Future Minimum Payments, Due in Three Years	1,131
Operating Leases, Future Minimum Payments, Due in Four Years	1,082
Operating Leases, Future Minimum Payments, Due in Five Years	956
Operating Leases, Future Minimum Payments, Due Thereafter	5,026
Operating Lease, Payments	10,832
Interest portion of lease payments	(1,880)
Operating Lease, Liability	$ 8,952

Note 9_ Premises and Equipme_12

Note 9: Premises and Equipment: Lessor Agreements (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Details
Income Recognized From Lessor Agreements	$ 289	$ 849

Note 10_ Deposits_ Schedule o_2

Note 10: Deposits: Schedule of Deposit Liabilities (Details) - USD ($) $ in Thousands		Sep. 30, 2019	Dec. 31, 2018
Deposits		$ 3,935,154	$ 3,725,007
0.00% - 0.99%
Deposits		123,801	150,656
1.00% - 1.99%
Deposits		259,212	511,873
2.00% - 2.99%
Deposits		1,268,956	857,973
3.00% - 3.99%
Deposits		74,566	69,793
4.00% - 4.99%
Deposits		1,028	1,116
Total Time Deposits
Deposits	[1]	1,727,563	1,591,411
Non-Interest Bearing Demand Deposits
Deposits		675,023	661,061
Interest Bearing Demand and Savings Deposits
Deposits	[2]	1,532,568	1,472,535
Total Deposits
Deposits		$ 3,935,154	$ 3,725,007
[1]	(average rate 2.21% and 1.98%)
[2]	(average rate 0.55% and 0.46%)

Note 11_ Advances From Federa_3

Note 11: Advances From Federal Home Loan Bank: Federal Home Loan Bank, Advances (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Details
Advances from Federal Home Loan Banks	$ 0	$ 0

Note 12_ Securities Sold Unde_4

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Details
Notes payable - Community Development Equity Funds	$ 1,316	$ 1,625
Other interest-bearing liabilities	36,500	13,100
Other Short-term Borrowings	153,300	178,000
Securities for Reverse Repurchase Agreements	102,569	105,253
Short-term debt recorded value	$ 293,685	$ 297,978

Note 12_ Securities Sold Unde_5

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Maturity Overnight and on Demand | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Securities Sold under Agreements to Repurchase, Fair Value of Collateral	$ 102,569	$ 105,253

Note 13_ Subordinated Notes_ Su

Note 13: Subordinated Notes: Subordinated Notes Details (Details) - USD ($) $ in Thousands	Aug. 08, 2016	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Debt Instrument, Interest Rate Terms		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%.
Amortization of Debt Discount (Premium)		$ 109	$ 38	$ 326	$ 116
Subordinated Borrowing, Interest Rate		5.90%		5.90%
Senior Subordinated Notes
Proceeds from Issuance of Senior Long-term Debt	$ 73,500
Payment of Financing and Stock Issuance Costs	$ 1,500

Note 13_ Subordinated Notes_ _2

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Details
Subordinated Notes Before Costs	$ 75,000	$ 75,000
Unamortized Debt Issuance Expense	832	1,158
Subordinated Debt	$ 74,168	$ 73,842

Note 14_ Income Taxes_ Schedu_2

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Details
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%	21.00%	21.00%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent	(0.50%)	(0.50%)	(0.50%)	(0.70%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	(3.90%)	(2.20%)	(4.20%)	(3.20%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.00%	1.20%	1.20%	1.20%
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	(0.10%)	0.00%	0.10%	(0.10%)
Effective Income Tax Rate Reconciliation, Percent	17.50%	19.50%	17.60%	18.20%

Note 15_ Disclosures About F_17

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	$ 197,833	$ 153,258
Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	114,436	39,260
US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	36,751	51,450
Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	38,015	12,800
Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	(1,763)	(716)
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	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	197,833	153,258
Fair Value, Inputs, Level 2 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	114,436	39,260
Fair Value, Inputs, Level 2 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	36,751	51,450
Fair Value, Inputs, Level 2 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	38,015	12,800
Fair Value, Inputs, Level 2 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	(1,763)	(716)
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	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 F_18

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Foreclosed Assets Held For Sale
Non-recurring Assets, Fair Value Disclosure	$ 1,017	$ 1,776
Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure	759	2,805
Fair Value, Inputs, Level 1 | Foreclosed Assets Held For Sale
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Loans Receivable Impaired
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 2 | Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | Foreclosed Assets Held For Sale
Non-recurring Assets, Fair Value Disclosure	1,017	1,776
Fair Value, Inputs, Level 3 | Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure	$ 759	$ 2,805

Note 15_ Disclosures About F_19

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details) $ in Thousands	Sep. 30, 2019USD ($)	Dec. 31, 2018USD ($)
Financial Assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 4,156,703	$ 3,989,001
Financial Instruments, Owned, at Fair Value	$ 4,142,471	$ 3,955,786
Fair Value Hierarchy Level	3	3
Financial Assets | Mortgage Loans Held for Sale
Financial Instruments Owned Carrying Amount	$ 10,819	$ 1,650
Financial Instruments, Owned, at Fair Value	$ 10,819	$ 1,650
Fair Value Hierarchy Level	2	2
Financial Assets | Accrued Interest Receivable
Financial Instruments Owned Carrying Amount	$ 13,701	$ 13,448
Financial Instruments, Owned, at Fair Value	$ 13,701	$ 13,448
Fair Value Hierarchy Level	3	3
Financial Assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 190,877	$ 202,742
Financial Instruments, Owned, at Fair Value	$ 190,877	$ 202,742
Fair Value Hierarchy Level	1	1
Financial Assets | Investment in Federal Home Loan Bank Stock
Financial Instruments Owned Carrying Amount	$ 11,765	$ 12,438
Financial Instruments, Owned, at Fair Value	$ 11,765	$ 12,438
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	$ 74,168	$ 73,842
Financial Instruments, Owned, at Fair Value	$ 76,875	$ 75,188
Fair Value Hierarchy Level	2	2
Financial Liabilities | Deposits
Financial Instruments Owned Carrying Amount	$ 3,935,154	$ 3,725,007
Financial Instruments, Owned, at Fair Value	$ 3,938,942	$ 3,717,899
Fair Value Hierarchy Level	3	3
Financial Liabilities | Short-term Debt
Financial Instruments Owned Carrying Amount	$ 293,685	$ 297,978
Financial Instruments, Owned, at Fair Value	$ 293,685	$ 297,978
Fair Value Hierarchy Level	3	3
Financial Liabilities | Accrued Interest Payable
Financial Instruments Owned Carrying Amount	$ 3,119	$ 3,570
Financial Instruments, Owned, at Fair Value	$ 3,119	$ 3,570
Fair Value Hierarchy Level	3	3
Unrecognized Financial Instruments Net of Contractual Value | Letter of Credit
Financial Instruments Owned Carrying Amount	$ 97	$ 146
Financial Instruments, Owned, at Fair Value	$ 97	$ 146
Fair Value Hierarchy Level	3	3
Unrecognized Financial Instruments Net of Contractual Value | Line of Credit
Financial Instruments Owned Carrying Amount	$ 0	$ 0
Financial Instruments, Owned, at Fair Value	$ 0	$ 0
Fair Value Hierarchy Level	3	3
Unrecognized Financial Instruments Net of Contractual Value | Loan Origination Commitments
Financial Instruments Owned Carrying Amount	$ 0	$ 0
Financial Instruments, Owned, at Fair Value	$ 0	$ 0
Fair Value Hierarchy Level	3	3

Note 16_ Derivatives and Hedg_9

Note 16: Derivatives and Hedging Activities: Nondesignated Hedges: Loans With Interest Rate Swap (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Participation Loans Purchased	$ 39,400		$ 39,400
Gain (Loss) on Fair Value Hedges Recognized in Earnings	(101)	$ 5	(169)	$ 53
Interest Rate Swap | Commercial Customers
Derivative Asset, Notional Amount	85,900		85,900		$ 78,500
Interest Rate Swap | Valley Bank
Derivative Asset, Notional Amount	$ 705		$ 705

Note 16_ Derivatives and Hed_10

Note 16: Derivatives and Hedging Activities: Cash Flow Hedges (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Details
Interest Rate Swap Interest Income	$ 801	$ 1,900

Note 16_ Derivatives and Hed_11

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Derivatives Designated as Hedging Instruments	$ 36,444	$ 12,106
Derivative Asset
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	1,571	694
Derivative Liability
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	1,763	716
Interest Rate Swap | Prepaid Expenses and Other Current Assets
Derivatives Designated as Hedging Instruments	36,444	12,106
Interest rate products | Prepaid Expenses and Other Current Assets
Derivative Asset
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	1,571	694
Interest rate products | Accrued expenses and other liabilities
Derivative Liability
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	$ 1,763	$ 716

Note 16_ Derivatives and Hed_12

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Amount of Gain (Loss) Recognized in Accumulated Other Comprehensive Income | Interest Rate Swap
Effect of derivative instruments on the statements of comprehensive income	$ 4,461	$ 0	$ 18,789	$ 0

Note 16_ Derivatives and Hed_13

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Details) - Interest Rate Swap - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest Income
Effect of cash flow hedge accounting on the statements of operations	$ 801	$ 0	$ 1,881	$ 0
Interest Expense
Effect of cash flow hedge accounting on the statements of operations	$ 0	$ 0	$ 0	$ 0

Note 16_ Derivatives and Hed_14

Note 16: Derivatives and Hedging Activities: Agreements with Derivative Counterparties (Details) - USD ($)	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Balance Sheet Hedge
Derivative Counterparties Collateral	$ 36,500,000	$ 12,800
Loan Level Swaps
Derivative Counterparties Collateral	1,200,000	$ 704,000
Net Liability Position | Loan Level Swaps | Commercial Lending Customers
Termination Value of Derivatives With Derivative Dealer Counterparties	1,600,000
Net Asset Position | Balance Sheet Hedge
Termination Value of Derivatives With Derivative Dealer Counterparties	$ 36,400,000		$ 12,300,000
Net Asset Position | Loan Level Swaps | Commercial Lending Customers
Termination Value of Derivatives With Derivative Dealer Counterparties			$ 396,000