Great Southern Bancorp (GSBC) 10-Q 6 Nov 20 2020 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - $ / shares	Nov. 04, 2020	Sep. 30, 2020
Details
Registrant CIK		0000854560
Fiscal Year End		--12-31
Registrant Name		GREAT SOUTHERN BANCORP, INC.
SEC Form		10-Q
Period End date		Sep. 30, 2020
Trading Symbol		GSBC
Trading Exchange		NASDAQ
Tax Identification Number (TIN)		43-1524856
Number of common stock shares outstanding	13,844,270
Filer Category		Accelerated Filer
Current with reporting		Yes
Interactive Data Current		Yes
Shell Company		false
Small Business		false
Emerging Growth Company		false
Document Quarterly Report		true
Document Transition Report		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		2020
Document Fiscal Period Focus		Q3

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash	$ 91,098	$ 99,299
Interest-bearing deposits in other financial institutions	247,168	120,856
Cash and cash equivalents	338,266	220,155
Available-for-sale securities	445,940	374,175
Mortgage loans held for sale	23,973	9,242
Loans receivable, net of allowance for loan losses of $54,238 - September 2020; $40,294 - December 2019	4,413,764	4,153,982
Interest receivable	14,139	13,530
Prepaid expenses and other assets	44,671	74,984
Other real estate owned and repossessions, net	3,007	5,525
Premises and equipment, net	140,502	141,908
Goodwill and other intangible assets	7,232	8,098
Federal Home Loan Bank stock and other interest-earning assets	11,036	13,473
Total Assets	5,443,010	5,015,072
Current and deferred income taxes	480	0
Liabilities:
Deposits	4,443,757	3,960,106
Securities sold under reverse repurchase agreements with customers	155,042	84,167
Short-term borrowings and other interest-bearing liabilities	1,218	228,157
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	148,217	74,276
Accrued interest payable	2,859	4,250
Advances from borrowers for taxes and insurance	11,841	7,484
Accrued expenses and other liabilities	29,659	24,904
Current and deferred income taxes	0	2,888
Total Liabilities	4,818,367	4,412,006
Capital stock
Serial preferred stock - $.01 par value; authorized 1,000,000 shares; issued and outstanding September 2020 and December 2019 - - 0- shares	0	0
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2020 - 13,880,570 shares; December 2019 - 14,261,052 shares	139	143
Additional paid-in capital	34,539	33,510
Retained earnings	534,331	537,167
Accumulated other comprehensive income	55,634	32,246
Total Stockholders' Equity	624,643	603,066
Total Liabilities and Stockholders' Equity	5,443,010	5,015,072
Commitments and Contingencies	$ 0	$ 0

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - Parenthetical - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Details
Loans and Leases Receivable, Allowance	$ 54,238	$ 40,294
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	13,880,570	14,261,052
Common Stock, Shares, Outstanding	13,880,570	14,261,052

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
INTEREST INCOME
Loans	$ 50,476	$ 57,226	$ 155,453	$ 167,552
Investment securities and other	3,123	2,961	9,631	8,715
TOTAL INTEREST INCOME	53,599	60,187	165,084	176,267
INTEREST EXPENSE
Deposits	7,094	11,792	26,712	33,844
Short-term borrowings and repurchase agreements	8	1,123	667	2,904
Subordinated debentures issued to capital trust	128	253	511	787
Subordinated notes	2,201	1,095	4,633	3,283
TOTAL INTEREST EXPENSE	9,431	14,263	32,523	40,818
NET INTEREST INCOME	44,168	45,924	132,561	135,449
PROVISION FOR LOAN LOSSES	4,500	1,950	14,371	5,500
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	39,668	43,974	118,190	129,949
NON-INTEREST INCOME
Commissions	318	173	760	670
Net gains on loan sales	2,878	1,021	5,308	1,645
Late charges and fees on loans	352	364	1,175	1,066
Gain (loss) on derivative interest rate products	89	(101)
Net realized gains on sales of available-for-sale securities			78	10
Loss on derivative interest rate products			(424)	(169)
Service charges and ATM fees	4,692	5,619	13,590	15,887
Other income	1,137	1,579	4,606	4,154
TOTAL NON-INTEREST INCOME	9,466	8,655	25,093	23,263
NON-INTEREST EXPENSE
Salaries and employee benefits	18,701	15,827	53,699	46,895
Net occupancy and equipment expense	7,147	6,613	20,619	19,462
Postage	748	792	2,294	2,342
Insurance	753	339	1,668	1,667
Advertising	757	794	1,814	2,162
Office supplies and printing	271	258	806	743
Telephone	987	904	2,904	2,645
Legal, audit and other professional fees	582	681	1,844	2,023
Expense on other real estate and repossessions	199	603	946	1,642
Partnership tax credit investment amortization	0	91	0	274
Acquired deposit intangible asset amortization	289	289	866	902
Other operating expenses	1,554	1,534	4,691	4,845
TOTAL NON-INTEREST EXPENSE	31,988	28,725	92,151	85,602
INCOME BEFORE INCOME TAXES	17,146	23,904	51,132	67,610
PROVISION FOR INCOME TAXES	3,692	4,172	9,607	11,890
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 13,454	$ 19,732	$ 41,525	$ 55,720
Basic Earnings Per Common Share	$ 0.96	$ 1.39	$ 2.94	$ 3.93
Diluted Earnings Per Common Share	0.96	1.38	2.93	3.90
Dividends Declared Per Common Share	$ 0.34	$ 0.34	$ 2.02	$ 1.73

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Net Income	$ 13,454	$ 19,732	$ 41,525	$ 55,720
Unrealized appreciation on available for sale securities, net	(1,796)	4,452	15,177	12,642
Change in fair value of cash flow hedge, net	0	4,461	11,914	18,789
Amortization of Realized Gain on Termination of Cash Flow Hedge, Net	(1,581)	0	(3,643)	0
Comprehensive Income	$ 10,077	$ 28,645	64,913	87,143
Reclassification adjustment for gains included in net income, net of taxes (credit) of $18 and $2, for 2020 and 2019, respectively			$ (60)	$ (8)

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - Parenthetical - USD ($)	3 Months Ended		6 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Tax Effect of Unrealized Appreciation (Depreciation) on Available for Sale Securities Taxes (Credit)	$ (531)	$ 1,315			$ 4,482	$ 3,732
Tax Effect of Change in Fair Value of Cash Flow Hedge Taxes	0	1,318			3,519	5,549
Tax Effect (Credit) on Amortization of Realized Gain on Termination of Cash Flow Hedge	$ 467	$ 0			$ (1,075)	$ 0
Tax Effect Reclassification Adjustment for Gains Included in Net Income Taxes (Credit) Taxes			$ 18	$ 2

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Unaudited) - USD ($)		Stockholders' Equity, Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Other Comprehensive Income (Loss)	Treasury Stock
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	[1]	(24,524)	0	0	(24,524)	0	0
Other comprehensive gain		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	[2]	(4,833)	0	0	(4,833)	0	0
Other comprehensive gain		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
Equity Balance at Dec. 31, 2019		603,066	143	33,510	537,167	32,246	0
Net Income		41,525	0	0	41,525	0	0
Stock issued under Stock Option Plan		1,162	0	1,029	0	0	133
Common dividends declared	[3]	(28,631)	0	0	(28,631)	0	0
Other comprehensive gain		23,388	0	0	0	23,388	0
Reclassification of Treasury Stock per Maryland Law		0	(4)	0	(15,730)	0	15,734
Equity Balance at Sep. 30, 2020		624,643	139	34,539	534,331	55,634	0
Purchase of the Company's common stock		(15,867)	0	0	0	0	(15,867)
Equity Balance at Jun. 30, 2020		626,728	141	34,230	533,346	59,011	0
Net Income		13,454	0	0	13,454	0	0
Stock issued under Stock Option Plan		346	0	309	0	0	37
Common dividends declared	[2]	(4,790)	0	0	(4,790)	0	0
Reclassification of Treasury Stock per Maryland Law		0	(2)	0	(7,679)	0	7,681
Equity Balance at Sep. 30, 2020		624,643	139	34,539	534,331	55,634	0
Other comprehensive loss		(3,377)	0	0	0	(3,377)	0
Purchase of the Company's common stock		$ (7,718)	$ 0	$ 0	$ 0	$ 0	$ (7,718)
[1]	$1.39 per share
[2]	$0.34 per share
[3]	$2.02 per share

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 41,525	$ 55,720
Proceeds from sales of loans held for sale	220,910	81,403
Originations of loans held for sale	(228,836)	(88,864)
Items not requiring (providing) cash:
Depreciation	7,478	7,076
Amortization	1,344	1,566
Compensation expense for stock option grants	837	667
Provision for loan losses	14,371	5,500
Net gains on loan sales	(5,308)	(1,645)
Net realized gains on sales of available-for-sale securities	(78)	(10)
Net (gains) losses on sale of premises and equipment	19	(24)
Net losses on sale/write-down of other real estate owned and repossessions	31	205
Accretion of deferred income, premiums, discounts and other	(4,076)	(2,949)
Loss on derivative interest rate products	424	169
Deferred income taxes	(12,400)	(193)
Changes in
Interest receivable	(984)	(253)
Prepaid expenses and other assets	311	(1,940)
Accrued expenses and other liabilities	(1,912)	3,333
Income taxes refundable/payable	2,124	4,414
Net cash provided by operating activities	35,780	64,175
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	(268,313)	(123,401)
Purchase of loans	(3,675)	(57,545)
Purchase of premises and equipment	(6,609)	(8,274)
Proceeds from sale of premises and equipment	527	172
Proceeds from sale of other real estate owned and repossessions	3,461	12,867
Capitalized costs on other real estate owned	(126)	(93)
Proceeds from termination of interest rate derivative	45,864	0
Proceeds from sales of available-for-sale securities	19,236	28,057
Proceeds from maturities and calls of available-for-sale securities	26,940	13,370
Principal reductions on mortgage-backed securities	19,650	12,788
Purchase of available-for-sale securities	(118,296)	(143,151)
Redemption of Federal Home Loan Bank stock and change in other interest-earning assets	2,437	673
Net cash used in investing activities	(278,904)	(264,537)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in certificates of deposit	(210,626)	136,194
Net increase in checking and savings deposits	694,288	73,995
Net decrease in short-term borrowings	(156,064)	(4,293)
Advances from borrowers for taxes and insurance	4,357	5,313
Proceeds from issuance of subordinated notes	73,513	0
Dividends paid	(28,691)	(24,219)
Purchase of the Company's common stock	(15,867)	(849)
Stock options exercised	325	2,356
Net cash provided by financing activities	361,235	188,497
INCREASES (DECREASES) IN CASH AND CASH EQUIVALENTS	118,111	(11,865)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	220,155	202,742
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 338,266	$ 190,877

NOTE 1_ BASIS OF PRESENTATION

NOTE 1: BASIS OF PRESENTATION	9 Months Ended
	Sep. 30, 2020
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, 2020 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, 2019, 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	9 Months Ended
	Sep. 30, 2020
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 Atlanta, Ga., Chicago, Ill., Dallas, Texas, Denver, Colo., Omaha, Neb. and Tulsa, Okla. 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	9 Months Ended
	Sep. 30, 2020
Notes
NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS	NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the FASB issued Accounting Standards Update (ASU) No. 2016-13, Financial Instruments – Credit Losses (Topic 326). The Update amends guidance on reporting credit losses for assets held at amortized cost basis and available for sale debt securities. For assets held at amortized cost basis, Topic 326 eliminates the probable initial recognition threshold in current GAAP and, instead, requires an entity to reflect its current estimate of all expected credit losses. This Update affects entities holding financial assets and net investment in leases that are not accounted for at fair value through net income. The amendments affect loans, debt securities, trade receivables, net investments in leases, off balance sheet credit exposures, reinsurance receivables, and any other financial assets not excluded from the scope that have the contractual right to receive cash. The Update was set to be effective for the Company on January 1, 2020. During March 2020, pursuant to the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) and guidance from the Securities and Exchange Commission (the “SEC”) and the Financial Accounting Standards Board (the “FASB”), we elected to delay adoption of the new accounting standard related to accounting for credit losses (“CECL”). Our third quarter and year-to-date financial statements are prepared under the existing incurred loss methodology standard for accounting for loan losses. The adoption of the CECL model during the fourth quarter of 2020 will require us to recognize a one-time cumulative adjustment to our allowance for loan losses and a liability for potential losses related to the unfunded portion of our loans and commitments in order to fully transition from the incurred loss model to the CECL model. Upon initial adoption, we expect to increase the balance of our allowance for credit losses in a range of $11 million to $14 million and create a liability for potential losses related to the unfunded portion of our loans and commitments in a range of $7 million to $10 million. The after-tax effect of this is expected to result in a decrease in our retained earnings of $14 million to $18 million. Further, we have analyzed the impact on our financial statements at and for the nine months ended September 30, 2020 as if we had adopted the CECL accounting standard on January 1, 2020. In addition to the impact from the initial adoption above, under CECL we would expect to further increase the balance of our allowance for credit losses in a range of $-0- to $3 million through a corresponding increase in provision for credit losses during the nine months ended September 30, 2020. This is in addition to the $14.4 million of provision expense already recorded under the incurred loss method during the nine months ended September 30, 2020. The liability for potential losses related to the unfunded portion of our loans and commitments would be expected to have no material change during the nine months ended September 30, 2020. These estimates are subject to change as material assumptions are refined and model validations are completed. In January 2017, the FASB issued ASU No. 2017-04, Intangibles: Goodwill and Other: Simplifying the Test for Goodwill Impairment (Topic 350). To simplify the subsequent measurement of goodwill, the amendments eliminate Step 2 from the goodwill impairment test. The annual, or interim, goodwill impairment test should be performed by comparing the fair value of a reporting unit with its carrying amount and an impairment charge should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the qualitative impairment test is necessary. The nature of and reason for the change in accounting principle should be disclosed upon transition. The amendments in this update are required for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements. At September 30, 2020, the Company performed its annual review of goodwill and intangibles, including consideration of the current circumstances brought about by the COVID-19 pandemic and its effect on the valuation of the Company and other bank holding companies. The Company concluded that no impairment of its goodwill and intangible assets had occurred at September 30, 2020. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820) - Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement. ASU 2018-13 modifies the disclosure requirements on fair value measurements in Topic 820. The amendments in this update remove disclosures that no longer are considered cost beneficial, modify/clarify the specific requirements of certain disclosures, and add disclosure requirements identified as relevant. ASU 2018-13 is effective for periods beginning after December 15, 2019. The impact of adopting this new guidance during the quarter ended March 31, 2020 did not have a material impact on the Company’s consolidated financial statements.

NOTE 4_ EARNINGS PER SHARE

NOTE 4: EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2020
Notes
NOTE 4: EARNINGS PER SHARE	NOTE 4: EARNINGS PER SHARE Three Months Ended September 30, 2020 2019 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,053 14,210 Net income and net income available to common stockholders $ 13,454 $ 19,732 Per common share amount $ 0.96 $ 1.39 Diluted: Average common shares outstanding 14,053 14,210 Net effect of dilutive stock options – based on the treasury stock method using average market price 32 107 Diluted common shares 14,085 14,317 Net income and net income available to common stockholders $ 13,454 $ 19,732 Per common share amount $ 0.96 $ 1.38 Nine Months Ended September 30, 2020 2019 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,119 14,187 Net income and net income available to common stockholders $ 41,525 $ 55,720 Per common share amount $ 2.94 $ 3.93 Diluted: Average common shares outstanding 14,119 14,187 Net effect of dilutive stock options – based on the treasury stock method using average market price 46 110 Diluted common shares 14,165 14,297 Net income and net income available to common stockholders $ 41,525 $ 55,720 Per common share amount $ 2.93 $ 3.90 Options outstanding at September 30, 2020 and 2019, to purchase 654,369 and 328,275 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods then ended 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, 2020 and 2019, respectively. Options outstanding at September 30, 2020 and 2019, to purchase 650,869 and 318,275 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the nine month periods then ended 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, 2020 and 2019, respectively.

NOTE 5_ INVESTMENT SECURITIES

NOTE 5: INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2020
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, 2020 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 152,068 $ 19,402 $ 12 $ 171,458 Agency collateralized mortgage obligations 176,077 9,273 259 185,091 States and political subdivisions 65,821 1,959 97 67,683 Small Business Administration securities 20,677 1,031 - 21,708 $ 414,643 $ 31,665 $ 368 $ 445,940 December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 156,591 $ 8,716 $ 265 $ 165,042 Agency collateralized mortgage obligations 149,980 2,891 921 151,950 States and political subdivisions 33,757 1,368 - 35,125 Small Business Administration securities 22,132 - 74 22,058 $ 362,460 $ 12,975 $ 1,260 $ 374,175 The amortized cost and fair value of available-for-sale securities at September 30, 2020, 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 - - After five through ten years 10,388 11,064 After ten years 55,433 56,619 Securities not due on a single maturity date 348,822 378,257 $ 414,643 $ 445,940 There were no securities classified as held to maturity at September 30, 2020 or December 31, 2019. 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, 2020 and December 31, 2019, was approximately $33.9 million and $116.2 million, respectively, which is approximately 7.6% and 31.1% 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 any 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, 2020 and December 31, 2019: September 30, 2020 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 $ 11,140 $ (12 ) $ - $ - $ 11,140 $ (12) Agency collateralized mortgage obligations 12,849 (259 ) - - 12,849 (259) States and political subdivisions 9,929 (97 ) - - 9,929 (97) $ 33,918 $ (368 ) $ - $ - $ 33,918 $ (368) December 31, 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 $ - $ - $ 24,762 $ (265) $ 24,762 $ (265) Agency collateralized mortgage obligations 69,372 (921) - - 69,372 (921) Small Business Administration securities 22,058 (74) - - 22,058 (74) $ 91,430 $ (995) $ 24,762 $ (265) $ 116,192 $ (1,260) There were no sales of available-for-sale securities during the three months ended September 30, 2020. Gross gains of $78,000 resulting from sales of available-for-sale securities were realized during the nine months ended September 30, 2020. There were no sales of available-for-sale securities during the three months ended September 30, 2020. 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. Gains and losses on sales of securities are determined on the specific-identification method. Other-than-temporary Impairment. 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, 2020, no securities were determined to have impairment that had become other-than-temporary. Credit Losses Recognized on Investments. Amounts Reclassified Out of Accumulated Other Comprehensive Income. Amounts Reclassified from Accumulated Other Comprehensive Income Three Months Ended September 30, Affected Line Item in the 2020 2019 Statements of Income (In Thousands) Net realized gains on sales of Unrealized gains on available-for- sale securities $ - $ - available-for-sale securities (Total reclassified amount before tax) Income Taxes - - Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ - $ - Amounts Reclassified from Accumulated Other Comprehensive Income Nine Months Ended September 30, Affected Line Item in the 2020 2019 Statements of Income (In Thousands) Net realized gains on sales of Unrealized gains on available-for- sale securities $ 78 $ 10 available-for-sale securities (Total reclassified amount before tax) Income Taxes (18) (2) Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ 60 $ 8

NOTE 6_ LOANS AND ALLOWANCE FOR

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES	9 Months Ended
	Sep. 30, 2020
Notes
NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES	NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES Classes of loans at September 30, 2020 and December 31, 2019 were as follows: September 30, December 31, 2020 2019 (In Thousands) One- to four-family residential construction $ 38,503 $ 33,963 Subdivision construction 10,466 16,088 Land development 40,224 40,431 Commercial construction 1,206,342 1,322,861 Owner occupied one- to four-family residential 478,113 387,016 Non-owner occupied one- to four-family residential 117,699 120,343 Commercial real estate 1,536,443 1,494,172 Other residential 1,018,359 866,006 Commercial business 439,199 313,209 Industrial revenue bonds 14,165 13,189 Consumer auto 99,284 151,854 Consumer other 41,333 46,720 Home equity lines of credit 114,357 118,988 Loans acquired and accounted for under ASC 310-30, net of discounts 106,128 127,206 5,260,615 5,052,046 Undisbursed portion of loans in process (782,865 ) (850,666 ) Allowance for loan losses (54,238 ) (40,294 ) Deferred loan fees and gains, net (9,748 ) (7,104 ) $ 4,413,764 $ 4,153,982 Weighted average interest rate 4.28 % 4.97 % September 30, 2020 Total Loans Total > 90 Days 30-59 Days 60-89 Days 90+ Days Total Loans Past Due and Past Due Past Due Past Due Past Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ 79 $ - $ - $ 79 $ 38,424 $ 38,503 $ - Subdivision construction - - - - 10,466 10,466 - Land development 236 39 - 275 39,949 40,224 - Commercial construction - - - - 1,206,342 1,206,342 - Owner occupied one- to four- family residential 336 195 1,922 2,453 475,660 478,113 - Non-owner occupied one- to four- family residential - - 238 238 117,461 117,699 - Commercial real estate 100 - 701 801 1,535,642 1,536,443 - Other residential - - - - 1,018,359 1,018,359 - Commercial business - - 140 140 439,059 439,199 - Industrial revenue bonds - - - - 14,165 14,165 - Consumer auto 384 45 267 696 98,588 99,284 - Consumer other 177 6 112 295 41,038 41,333 - Home equity lines of credit 109 129 457 695 113,662 114,357 - Loans acquired and accounted for under ASC 310-30, net of discounts 331 348 3,966 4,645 101,483 106,128 - 1,752 762 7,803 10,317 5,250,298 5,260,615 - Less loans acquired an accountedd for under ASC 310-30, net of discounts 331 348 3,966 4,645 101,483 106,128 - Total $ 1,421 $ 414 $ 3,837 $ 5,672 $ 5,148,815 $ 5,154,487 $ - December 31, 2019 Total Loans Total > 90 Days 30-59 Days 60-89 Days 90+ Days Total Loans Past Due and Past Due Past Due Past Due Past Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ - $ - $ - $ - $ 33,963 $ 33,963 $ - Subdivision construction - - - - 16,088 16,088 - Land development - 27 - 27 40,404 40,431 - Commercial construction 15,085 - - 15,085 1,307,776 1,322,861 - Owner occupied one- to four- family residential 1,453 1,631 1,198 4,282 382,734 387,016 - Non-owner occupied one- to four- family residential 152 - 181 333 120,010 120,343 - Commercial real estate 549 119 632 1,300 1,492,872 1,494,172 - Other residential 376 - - 376 865,630 866,006 - Commercial business 60 - 1,235 1,295 311,914 313,209 - Industrial revenue bonds - - - - 13,189 13,189 - Consumer auto 1,101 259 558 1,918 149,936 151,854 - Consumer other 278 233 198 709 46,011 46,720 - Home equity lines of credit 296 - 517 813 118,175 118,988 - Loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 - 21,527 2,978 10,710 35,215 5,016,831 5,052,046 - Less loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 - Total $ 19,350 $ 2,269 $ 4,519 $ 26,138 $ 4,898,702 $ 4,924,840 $ - Non-accruing loans (excluding FDIC-assisted acquired loans, net of discount) are summarized as follows: September 30, December 31, 2020 2019 (In Thousands) One- to four-family residential construction $ - $ - Subdivision construction - - Land development - - Commercial construction - - Owner occupied one- to four-family residential 1,922 1,198 Non-owner occupied one- to four-family residential 238 181 Commercial real estate 701 632 Other residential - - Commercial business 140 1,235 Industrial revenue bonds - - Consumer auto 267 558 Consumer other 112 198 Home equity lines of credit 457 517 Total $ 3,837 $ 4,519 The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 6 · · · · · · 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, 2020 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $ - $ - $ - Subdivision construction 22 22 - Land development - - - Commercial construction - - - Owner occupied one- to four-family residential 3,342 3,460 78 Non-owner occupied one- to four-family residential 238 238 - Commercial real estate 3,056 3,056 466 Other residential - - - Commercial business 197 210 15 Industrial revenue bonds - - - Consumer auto 1,024 1,040 166 Consumer other 333 355 17 Home equity lines of credit 553 558 4 Total $ 8,765 $ 8,939 $ 746 Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 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 22 - 147 3 Land development - - - - Commercial construction - - - - Owner occupied one- to four-family residential 3,146 44 2,850 124 Non-owner occupied one- to four-family residential 267 - 372 11 Commercial real estate 3,829 30 3,946 97 Other residential - - - - Commercial business 538 5 1,008 30 Industrial revenue bonds - - - - Consumer auto 889 37 945 77 Consumer other 293 17 281 33 Home equity lines of credit 528 7 535 26 Total $ 9,512 $ 140 $ 10,084 $ 401 At or for the Year Ended December 31, 2019 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 251 251 96 277 9 Land development - - - 328 101 Commercial construction - - - - - Owner occupied one- to four- family residential 2,300 2,423 82 2,598 131 Non-owner occupied one- to four-family residential 409 574 20 954 43 Commercial real estate 4,020 4,049 517 4,940 264 Other residential - - - - - Commercial business 1,286 1,771 13 1,517 81 Industrial revenue bonds - - - - - Consumer auto 1,117 1,334 181 1,128 125 Consumer other 356 485 16 383 48 Home equity lines of credit 528 548 4 362 37 Total $ 10,267 $ 11,435 $ 929 $ 12,487 $ 839 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 September 30, 2019 Nine Months Ended 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 September 30, 2020, $4.6 million of impaired loans had specific valuation allowances totaling $746,000. At December 31, 2019, $5.2 million of impaired loans had specific valuation allowances totaling $929,000. 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, which were considered troubled debt restructurings, during the three and nine months ended September 30, 2020 and 2019, respectively, by type of modification: Three Months Ended September 30, 2020 Total Interest Only Term Combination Modification (In Thousands) One- to four-family residential - - 647 647 Commercial real estate - - 559 559 Commercial business - - 22 22 Consumer - - 1,771 1,771 $ - $ - $ 2,999 $ 2,999 Three Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ - $ - $ - $ - Nine Months Ended September 30, 2020 Total Interest Only Term Combination Modification (In Thousands) One- to four-family residential $ - $ - $ 777 $ 777 Commercial real estate - - 559 559 Commercial business - - 22 22 Consumer - 16 1,847 1,863 $ - $ 16 $ 3,205 $ 3,221 Nine Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ - $ 73 $ - $ 73 At September 30, 2020, the Company had $3.7 million of loans that were modified in troubled debt restructurings and impaired, as follows: $22,000 of construction and land development loans, $1.7 million of one- to four-family residential mortgage loans, $1.2 million of commercial real estate loans, $140,000 of commercial business loans and $680,000 of consumer loans. Of the total troubled debt restructurings at September 30, 2020, $1.9 million were accruing interest and $1.8 million were non-accrual assets. Of the $3.7 million in troubled debt restructurings, $2.4 million were classified as substandard using the Company’s internal grading system, which is described below. The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the nine months ended September 30, 2020. 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, 2019, the Company had $1.9 million of loans that were modified in troubled debt restructurings and impaired, as follows: $251,000 of construction and land development loans, $768,000 of single family residential mortgage loans, $412,000 of commercial real estate loans, $156,000 of commercial business loans and $343,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2019, $1.4 million were accruing interest and $562,000 were non-accrual assets and 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, 2019. During the three and nine months ended September 30, 2020, one $155,000 one- to- four family loan designated as a troubled debt restructuring met the criteria for placement back on accrual status. The criteria are 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, 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. At September 30, 2020, the Company had remaining 88 modified commercial loans with an aggregate principal balance outstanding of $379 million and 407 modified consumer and mortgage loans with an aggregate principal balance outstanding of $17 million. The loan modifications are within the guidance provided by the CARES Act, the federal banking regulatory agencies, the Securities and Exchange Commission and the Financial Accounting Standards Board; therefore, they are not considered troubled debt restructurings or classified assets for regulatory purposes. 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 September 30, 2020 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 37,303 $ 1,200 $ - $ - $ - $ 38,503 Subdivision construction 10,444 - - 22 - 10,466 Land development 40,224 - - - - 40,224 Commercial construction 1,206,342 - - - - 1,206,342 Owner occupied one- to four- family residential 475,479 - - 2,634 - 478,113 Non-owner occupied one- to four- family residential 117,141 321 - 237 - 117,699 Commercial real estate 1,480,891 52,496 - 3,056 - 1,536,443 Other residential 1,018,359 - - - - 1,018,359 Commercial business 428,800 10,258 - 141 - 439,199 Industrial revenue bonds 14,165 - - - - 14,165 Consumer auto 98,659 18 - 607 - 99,284 Consumer other 41,003 86 - 244 - 41,333 Home equity lines of credit 113,793 40 - 524 - 114,357 Loans acquired and accounted for under ASC 310-30, net of discounts 106,117 - - 11 - 106,128 Total $ 5,188,720 $ 64,419 $ - $ 7,476 $ - $ 5,260,615

NOTE 7_ ACQUIRED LOANS, LOSS SH

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS	9 Months Ended
	Sep. 30, 2020
Notes
NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS	NOTE 7: FDIC-ASSISTED 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 related loss sharing agreement 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 related loss sharing agreement 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 related loss sharing agreement 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 related loss sharing agreement 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. The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at September 30, 2020 and December 31, 2019. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) September 30, 2020 Gross loans receivable $ 6,019 $ 8,502 $ 14,479 $ 49,483 $ 32,435 Balance of accretable discount (108 ) (40 ) (212 ) (1,761 ) (815 ) Net carrying value to loans receivable (5,882 ) (8,449 ) (14,163 ) (46,722 ) (30,913 ) Expected loss remaining $ 29 $ 13 $ 104 $ 1,000 $ 707 December 31, 2019 Gross loans receivable $ 7,304 $ 9,899 $ 17,906 $ 60,430 $ 41,032 Balance of accretable discount (159 ) (89 ) (374 ) (5,143 ) (1,803 ) Net carrying value to loans receivable (7,118 ) (9,797 ) (17,392 ) (54,442 ) (38,452 ) Expected loss remaining $ 27 $ 13 $ 140 $ 845 $ 777 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, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $5.1 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, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $10.4 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, 2020, the remaining accretable yield adjustment that will affect interest income is $2.9 million. Of the remaining adjustments affecting interest income, we expect to recognize $932,000 of interest income during the three months ending December 31, 2020. The impact to income of adjustments on the Company’s financial results is shown below: Three Months Ended Three Months Ended September 30, 2020 September 30, 2019 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $ 1,229 9 bps $ 2,251 20 bps Net impact to pre-tax income $ 1,229 $ 2,251 Net impact net of taxes $ 949 $ 1,738 Impact to diluted earnings per share $ 0.07 $ 0.12 Nine Months Ended Nine Months Ended September 30, 2020 September 30, 2019 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $ 4,632 12 bps $ 5,162 15 bps Net impact to pre-tax income $ 4,632 $ 5,162 Net impact net of taxes $ 3,576 $ 3,985 Impact to diluted earnings per share $ 0.25 $ 0.28 Changes in the accretable yield for acquired loan pools were as follows for the three and nine months ended September 30, 2020 and 2019: Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, July 1, 2020 $ 918 $ 954 $ 1,893 $ 5,252 $ 4,123 Accretion (94 ) (238 ) (238 ) (1,599 ) (658 ) Change in expected accretable yield (1) 178 88 79 808 92 Balance, September 30, 2020 $ 1,002 $ 804 $ 1,734 $ 4,461 $ 3,557 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 (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, 2020, totaling $178,000, $88,000, $79,000, $808,000 and $92,000, respectively, and for the three months ended September 30, 2019, totaling $(21,000), $132,000, $565,000, $(644,000) and $482,000, respectively. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2020 $ 1,157 $ 1,123 $ 1,948 $ 8,277 $ 4,578 Accretion (334 ) (657 ) (831 ) (5,563 ) (2,398 ) Change in expected accretable yield (1) 179 338 617 1,747 1,377 Balance, September 30, 2020 $ 1,002 $ 804 $ 1,734 $ 4,461 $ 3,557 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 (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 nine months ended September 30, 2020, totaling $179,000, $338,000, $617,000, $1.7 million and $1.4 million, respectively, and for the nine months ended September 30, 2019, totaling $526,000, $406,000, $812,000, $4.0 million and $2.7 million, respectively.

Note 8_ Other Real Estate Owned

Note 8: Other Real Estate Owned	9 Months Ended
	Sep. 30, 2020
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, 2020 2019 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ - $ - Subdivision construction 350 689 Land development 1,075 1,816 Commercial construction - - One- to four-family residential - 601 Other residential - - Commercial real estate - - Commercial business - - Consumer 196 545 1,621 3,651 Foreclosed assets acquired through FDIC-assisted transactions, net of discounts 446 1,003 Foreclosed assets held for sale and repossessions, net 2,067 4,654 Other real estate owned not acquired through foreclosure 940 871 Other real estate owned and repossessions $ 3,007 $ 5,525 At September 30, 2020 other real estate owned not acquired through foreclosure included seven properties, all of which were branch locations that were closed and held for sale. At December 31, 2019, other real estate owned not acquired through foreclosure included six properties, all of which were branch locations that were closed and held for sale. At September 30, 2020, residential mortgage loans totaling $787,000 were in the process of foreclosure, $657,000 of which were acquired loans. Pursuant to Section 4022 of the recently-enacted CARES Act, the Company has suspended all foreclosure proceedings. Under this provision, no mortgage servicer of any federally-backed mortgage loan is permitted to initiate any foreclosure process, whether judicial or non-judicial, move for a foreclosure judgment or order of sale, or execute a foreclosure- related eviction or foreclosure sale for a 60-day period, beginning March 18, 2020. This provision was subsequently extended through the end of 2020. At December 31, 2019, residential mortgage loans totaling $1.6 million were in the process of foreclosure, $1.4 million of which were acquired loans. Expenses applicable to other real estate owned and repossessions included the following: Three Months Ended September 30, 2020 2019 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (348 ) $ (250 ) Valuation write-downs 269 280 Operating expenses, net of rental income 278 573 $ 199 $ 603 Nine Months Ended September 30, 2020 2019 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (450 ) $ (659 ) Valuation write-downs 482 724 Operating expenses, net of rental income 914 1,577 $ 946 $ 1,642

Note 9_ Premises and Equipment

Note 9: Premises and Equipment	9 Months Ended
	Sep. 30, 2020
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, 2020 2019 (In Thousands) Land $ 40,621 $ 40,632 Buildings and improvements 99,553 96,959 Furniture, fixtures and equipment 58,700 56,986 Operating leases right of use asset 8,758 8,668 207,632 203,245 Less accumulated depreciation 67,130 61,337 $ 140,502 $ 141,908 Leases. Leases (Topic 842) from short-term leases (leases with terms of twelve months or less). Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of $9.5 million during the three months ended March 31, 2019. The amount of the right of use asset and corresponding lease liability will fluctuate based on the Company’s lease terminations, new leases and lease modifications and renewals. As of September 30, 2020, the lease right to use asset value was $8.8 million and the corresponding lease liability was $8.9 million. 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 months ended September 30, 2020 and 2019 was $76,000 and $71,000, respectively. The total lease expense related to ATMs for the nine months ended September 30, 2020 and 2019, was $202,000 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 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 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 remaining expected lease terms range from 2.8 years to 18.4 years with a weighted-average lease term of 9.5 years. The weighted-average discount rate was 3.24%. At or For the Three Months Ended September 30, 2020 September 30, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,758 $ 8,888 Operating leases liability $ 8,869 $ 8,952 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 397 $ 344 (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 $ 391 $ 326 At or For the Nine Months Ended September 30, 2020 September 30, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,758 $ 8,888 Operating leases liability $ 8,869 $ 8,952 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 1,182 $ 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 $ 1,149 $ 1,028 Right of use assets obtained in exchange for lease obligations: Operating leases $ 972 $ 9,538 For the three months ended September 30, 2020 and 2019, lease expense was $397,000 and $344,000, respectively. For the nine months ended September 30, 2020 and 2019, lease expense was $1.2 million and $1.1 million, respectively. At September 30, 2020, future expected lease payments for leases with terms exceeding one year were as follows (In Thousands): 2020 $ 267 2021 1,118 2022 1,116 2023 1,088 2024 1,005 2025 979 Thereafter 4,926 Future lease payments expected 10,499 Less interest portion of lease payments (1,630 ) Lease liability $ 8,869 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 months ended September 30, 2020 and 2019, income recognized from these lessor agreements was $294,000 and $289,000, respectively, and was included in occupancy and equipment expense. In the nine months ended September 30, 2020 and 2019, income recognized from these lessor agreements was $864,000 and $849,000, respectively, and was included in occupancy and equipment expense.

Note 10_ Deposits

Note 10: Deposits	9 Months Ended
	Sep. 30, 2020
Notes
Note 10: Deposits	NOTE 10: DEPOSITS September 30, December 31, 2020 2019 (In Thousands) Time Deposits: 0.00% - 0.99% $ 649,949 $ 122,649 1.00% - 1.99% 657,893 523,816 2.00% - 2.99% 183,472 1,053,914 3.00% - 3.99% 18,733 19,849 4.00% - 4.99% 425 881 Total time deposits (weighted average rate 1.19% and 2.09%) 1,510,472 1,721,109 Non-interest-bearing demand deposits 881,298 687,068 Interest-bearing demand and savings deposits (Weighted average rate 0.29% and 0.55%) 2,051,987 1,551,929 Total Deposits $ 4,443,757 $ 3,960,106

Note 11_ Advances From Federal

Note 11: Advances From Federal Home Loan Bank	9 Months Ended
	Sep. 30, 2020
Notes
Note 11: Advances From Federal Home Loan Bank	NOTE 11: ADVANCES FROM FEDERAL HOME LOAN BANK At September 30, 2020 and December 31, 2019, 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 as of December 31, 2019, which are included below in Note 12

Note 12_ Securities Sold Under

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings	9 Months Ended
	Sep. 30, 2020
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, 2020 December 31, 2019 (In Thousands) Notes payable – Community Development Equity Funds $ 1,218 $ 1,267 Other interest-bearing liabilities - 30,890 Overnight borrowings from the Federal Home Loan Bank - 196,000 Securities sold under reverse repurchase agreements 155,042 84,167 $ 156,260 $ 312,324 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 December 31, 2019, 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. Effective March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the Company’s interest rate swap eliminating the cash collateral held. For additional information, see “Cash Flow Hedges” in Note 16 The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity. September 30, 2020 December 31, 2019 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 155,042 $ 84,167

Note 13_ Subordinated Notes

Note 13: Subordinated Notes	9 Months Ended
	Sep. 30, 2020
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. On June 10, 2020, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%. The Company may call the notes at par beginning on June 15, 2025, 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 and nine months ended September 30, 2020, totaled $186,000 and $428,000, respectively. Amortization of the debt issuance costs during the three and nine months ended September 30, 2019, totaled $109,000 and $326,000, respectively. Amortization of the debt issuance costs is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.85%. At September 30, 2020 and December 31, 2019, subordinated notes are summarized as follows: September 30, 2020 December 31, 2019 (In Thousands) Subordinated notes $ 150,000 $ 75,000 Less: unamortized debt issuance costs 1,783 724 $ 148,217 $ 74,276

Note 14_ Income Taxes

Note 14: Income Taxes	9 Months Ended
	Sep. 30, 2020
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, 2020 2019 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.6 ) (0.5 ) Tax credits (3.8 ) (3.9 ) State taxes 5.0 1.0 Other (0.1 ) (0.1 ) 21.5 % 17.5 % Nine Months Ended September 30, 2020 2019 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.5 ) (0.5 ) Tax credits (3.9 ) (4.2 ) State taxes 1.6 1.2 Other 0.6 0.1 18.8 % 17.6 % The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here. The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007. As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019. The completion of these examinations did not result in significant changes to the Company’s tax positions. As a result, federal tax years through December 31, 2015 are now closed. The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 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	9 Months Ended
	Sep. 30, 2020
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, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: · · · Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods. From December 31, 2019 to September 30, 2020, 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, 2020 and December 31, 2019: 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, 2020 Agency mortgage-backed securities $ 171,458 $ - $ 171,458 $ - Agency collateralized mortgage obligations 185,091 - 185,091 - States and political subdivisions 67,683 - 67,683 - Small Business Administration securities 21,708 - 21,708 - Interest rate derivative asset 6,193 - 6,193 - Interest rate derivative liability (6,744 ) - (6,744 ) - December 31, 2019 Agency mortgage-backed securities $ 165,042 $ - $ 165,042 $ - Agency collateralized mortgage obligations 151,950 - 151,950 - States and political subdivisions 35,125 - 35,125 - Small Business Administration securities 22,058 - 22,058 - Interest rate derivative asset 31,476 - 31,476 - Interest rate derivative liability (1,547 ) - (1,547 ) - 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, 2020 and December 31, 2019, 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, 2020. 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. government agency securities, mortgage-backed securities, state and municipal bonds and certain other investments. Inputs used for valuing Level 2 securities include observable data that may include dealer quotes, benchmark yields, market spreads, live trading levels and market consensus prepayment speeds, among other things. Additional inputs include indicative values derived from the independent pricing service’s proprietary computerized models. There were no recurring Level 3 securities at September 30, 2020 or December 31, 2019. 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, 2020 and December 31, 2019: 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, 2020 Impaired loans $ 3,447 $ - $ - $ 3,447 Foreclosed assets held for sale $ 1,507 $ - $ - $ 1,507 December 31, 2019 Impaired loans $ 635 $ - $ - $ 635 Foreclosed assets held for sale $ 1,112 $ - $ - $ 1,112 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 subject property based on current market expectations, and other relevant factors. All appraised values are adjusted for market-related trends based on the Company’s experience in sales and other appraisals of similar property types as well as estimated selling costs. Each quarter, management reviews all collateral dependent impaired loans on a loan-by-loan basis to determine whether updated appraisals are necessary based on loan performance, collateral type and guarantor support. At times, the Company measures the fair value of collateral dependent impaired loans using appraisals with dates more than one year prior to the date of review. These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained. Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%. The policy described above is the same for all types of collateral dependent impaired loans. The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off 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, 2020 or the year ended December 31, 2019, 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. letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. The following table presents estimated fair values of the Company’s financial instruments 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, 2020 December 31, 2019 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $ 338,266 $ 338,266 1 $ 220,155 $ 220,155 1 Mortgage loans held for sale 23,973 23,973 2 9,242 9,242 2 Loans, net of allowance for loan losses 4,413,764 4,422,175 3 4,153,982 4,129,984 3 Interest receivable 14,139 14,139 3 13,530 13,530 3 Investment in FHLBank stock and 11,036 11,036 3 13,473 13,473 3 Financial liabilities Deposits 4,443,757 4,454,083 3 3,960,106 3,963,875 3 Short-term borrowings 156,260 156,260 3 312,324 312,324 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 148,217 153,844 2 74,276 76,875 2 Interest payable 2,859 2,859 3 4,250 4,250 3 Unrecognized financial instruments Commitments to originate loans - - 3 - - 3 Letters of credit 61 61 3 109 109 3 Lines of credit - - 3 - - 3

Note 16_ Derivatives and Hedgin

Note 16: Derivatives and Hedging Activities	9 Months Ended
	Sep. 30, 2020
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 $609,000 at September 30, 2020. At September 30, 2020, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $115.6 million in notional amount with commercial customers, and 19 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 $27.8 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, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program. During the three months ended September 30, 2020 and 2019, the Company recognized net gains of $89,000 and net losses of $101,000, respectively, in noninterest income related to changes in the fair value of these swaps. During the nine months ended September 30, 2020 and 2019, the Company recognized net losses of $424,000 and $169,000, respectively, in noninterest income related to changes in the fair value of these swaps. Cash Flow Hedges Interest Rate Swap On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately. The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination. This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it is being accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025. This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the 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 2020 2019 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ - $ 30,056 Total derivatives designated as hedging instruments $ - $ 30,056 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 6,193 $ 1,420 Total derivatives not designated as hedging instruments $ 6,193 $ 1,420 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 6,744 $ 1,547 Total derivatives not designated as hedging instruments $ 6,744 $ 1,547 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 2020 2019 (In Thousands) Interest rate swap, net of income taxes $ (1,581 ) $ 4,461 Amount of Gain (Loss) Recognized in AOCI Nine Months Ended September 30, Cash Flow Hedges 2020 2019 (In Thousands) Interest rate swap, net of income taxes $ 8,271 $ 18,789 The following table presents the effect of cash flow hedge accounting on the statements of income: Three Months Ended September 30, Cash Flow Hedges 2020 2019 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Interest rate swap $ 2,047 $ - $ 801 $ - Nine Months Ended September 30, Cash Flow Hedges 2020 2019 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Interest rate swap $ 5,629 $ - $ 1,881 $ - Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. At September 30, 2020, 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 $6.7 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At September 30, 2020, the Company’s activity with two 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 totaling $6.7 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at September 30, 2020 or December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value. At December 31, 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 $1.1 million. In addition, as of December 31, 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 $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 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 $30.9 million to the Company to satisfy the balance sheet hedge agreement. 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 $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

NOTE 1_ BASIS OF PRESENTATION_

NOTE 1: BASIS OF PRESENTATION: Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2020
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, 2020 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, 2019, 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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
Policies
Earnings Per Share, Policy	Options outstanding at September 30, 2020 and 2019, to purchase 654,369 and 328,275 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the three month periods then ended 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, 2020 and 2019, respectively. Options outstanding at September 30, 2020 and 2019, to purchase 650,869 and 318,275 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the nine month periods then ended 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, 2020 and 2019, respectively.

NOTE 5_ INVESTMENT SECURITIES_

NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Policies)	9 Months Ended
	Sep. 30, 2020
Policies
Investment, Policy	There were no securities classified as held to maturity at September 30, 2020 or December 31, 2019. 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, 2020 and December 31, 2019, was approximately $33.9 million and $116.2 million, respectively, which is approximately 7.6% and 31.1% 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 any 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)	9 Months Ended
	Sep. 30, 2020
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, 2020 and December 31, 2019, respectively. See Note 7 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 year ended December 31, 2019 or the nine months ended September 30, 2020. However, the deterioration of economic conditions that occurred in the nine months ended September 30, 2020 and was expected to continue thereafter was a significant factor in the determination of the allowance for loan losses.

NOTE 7_ ACQUIRED LOANS, LOSS _2

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Combinations Policy (Policies)	9 Months Ended
	Sep. 30, 2020
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 related loss sharing agreement 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 related loss sharing agreement 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 related loss sharing agreement 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 related loss sharing agreement 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: Business Acquisition Fair Value and Expected Cash Flows Policy (Policies)	9 Months Ended
	Sep. 30, 2020
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, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $5.1 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, 2020 and 2019, improvements in expected cash flows (reclassification of discounts from non-accretable to accretable) related to the acquired loan portfolios resulted in adjustments of $0 and $10.4 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, 2020, the remaining accretable yield adjustment that will affect interest income is $2.9 million. Of the remaining adjustments affecting interest income, we expect to recognize $932,000 of interest income during the three months ending December 31, 2020.

Note 9_ Premises and Equipment_

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure (Policies)	9 Months Ended
	Sep. 30, 2020
Policies
Lessee, Operating Lease, Disclosure	Leases. Leases (Topic 842) from short-term leases (leases with terms of twelve months or less). Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of $9.5 million during the three months ended March 31, 2019. The amount of the right of use asset and corresponding lease liability will fluctuate based on the Company’s lease terminations, new leases and lease modifications and renewals. As of September 30, 2020, the lease right to use asset value was $8.8 million and the corresponding lease liability was $8.9 million. 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 months ended September 30, 2020 and 2019 was $76,000 and $71,000, respectively. The total lease expense related to ATMs for the nine months ended September 30, 2020 and 2019, was $202,000 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 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 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 remaining expected lease terms range from 2.8 years to 18.4 years with a weighted-average lease term of 9.5 years. The weighted-average discount rate was 3.24%.

Note 14_ Income Taxes_ Income T

Note 14: Income Taxes: Income Tax, Policy (Policies)	9 Months Ended
	Sep. 30, 2020
Policies
Income Tax, Policy	The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS), except as described here. The Company, through one of its subsidiaries, is a partner in two partnerships which were under IRS examination for 2006 and 2007. As a result, the Company’s 2006 and subsequent tax years remained open for examination. The examinations of these partnerships were completed during 2019. The completion of these examinations did not result in significant changes to the Company’s tax positions. As a result, federal tax years through December 31, 2015 are now closed. The Company is currently under State of Missouri income and franchise tax examinations for its 2014 and 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)	9 Months Ended
	Sep. 30, 2020
Policies
Fair Value Measurement, Policy	ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: · · · Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods. From December 31, 2019 to September 30, 2020, 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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
Policies
Fair Value Impaired Loans Policy	Impaired Loans. Receivables subject property based on current market expectations, and other relevant factors. All appraised values are adjusted for market-related trends based on the Company’s experience in sales and other appraisals of similar property types as well as estimated selling costs. Each quarter, management reviews all collateral dependent impaired loans on a loan-by-loan basis to determine whether updated appraisals are necessary based on loan performance, collateral type and guarantor support. At times, the Company measures the fair value of collateral dependent impaired loans using appraisals with dates more than one year prior to the date of review. These appraisals are discounted by applying current, observable market data about similar property types such as sales contracts, estimations of value by individuals familiar with the market, other appraisals, sales or collateral assessments based on current market activity until updated appraisals are obtained. Depending on the length of time since an appraisal was performed and the data provided through our reviews, these appraisals are typically discounted 10-40%. The policy described above is the same for all types of collateral dependent impaired loans. The Company records impaired loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off 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, 2020 or the year ended December 31, 2019, 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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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. letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.

Note 16_ Derivatives and Hedg_2

Note 16: Derivatives and Hedging Activities: Risk Management Objective of Using Derivatives (Policies)	9 Months Ended
	Sep. 30, 2020
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)	9 Months Ended
	Sep. 30, 2020
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 $609,000 at September 30, 2020. At September 30, 2020, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $115.6 million in notional amount with commercial customers, and 19 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 $27.8 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, 2019, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $96.0 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program. During the three months ended September 30, 2020 and 2019, the Company recognized net gains of $89,000 and net losses of $101,000, respectively, in noninterest income related to changes in the fair value of these swaps. During the nine months ended September 30, 2020 and 2019, the Company recognized net losses of $424,000 and $169,000, 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)	9 Months Ended
	Sep. 30, 2020
Policies
Cash Flow Hedges	Interest Rate Swap On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective immediately. The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination. This $45.9 million, less the accrued interest portion and net of deferred income taxes, is reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it is being accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025. This will have the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the swap.

Note 16_ Derivatives and Hedg_5

Note 16: Derivatives and Hedging Activities: Agreements with Derivative Counterparties (Policies)	9 Months Ended
	Sep. 30, 2020
Policies
Agreements with Derivative Counterparties	The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. At September 30, 2020, 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 $6.7 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At September 30, 2020, the Company’s activity with two 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 totaling $6.7 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at September 30, 2020 or December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value. At December 31, 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 $1.1 million. In addition, as of December 31, 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 $30.1 million. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 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 $30.9 million to the Company to satisfy the balance sheet hedge agreement. 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 $1.1 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at December 31, 2019, it could have been required to settle its obligations under the agreements at the termination value.

NOTE 4_ EARNINGS PER SHARE_ Sch

NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	Three Months Ended September 30, 2020 2019 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,053 14,210 Net income and net income available to common stockholders $ 13,454 $ 19,732 Per common share amount $ 0.96 $ 1.39 Diluted: Average common shares outstanding 14,053 14,210 Net effect of dilutive stock options – based on the treasury stock method using average market price 32 107 Diluted common shares 14,085 14,317 Net income and net income available to common stockholders $ 13,454 $ 19,732 Per common share amount $ 0.96 $ 1.38 Nine Months Ended September 30, 2020 2019 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 14,119 14,187 Net income and net income available to common stockholders $ 41,525 $ 55,720 Per common share amount $ 2.94 $ 3.93 Diluted: Average common shares outstanding 14,119 14,187 Net effect of dilutive stock options – based on the treasury stock method using average market price 46 110 Diluted common shares 14,165 14,297 Net income and net income available to common stockholders $ 41,525 $ 55,720 Per common share amount $ 2.93 $ 3.90

NOTE 5_ INVESTMENT SECURITIES_2

NOTE 5: INVESTMENT SECURITIES: Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Investment Securities	September 30, 2020 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 152,068 $ 19,402 $ 12 $ 171,458 Agency collateralized mortgage obligations 176,077 9,273 259 185,091 States and political subdivisions 65,821 1,959 97 67,683 Small Business Administration securities 20,677 1,031 - 21,708 $ 414,643 $ 31,665 $ 368 $ 445,940 December 31, 2019 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 156,591 $ 8,716 $ 265 $ 165,042 Agency collateralized mortgage obligations 149,980 2,891 921 151,950 States and political subdivisions 33,757 1,368 - 35,125 Small Business Administration securities 22,132 - 74 22,058 $ 362,460 $ 12,975 $ 1,260 $ 374,175

NOTE 5_ INVESTMENT SECURITIES_3

NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Investments Classified by Contractual Maturity Date	Amortized Fair Cost Value (In Thousands) One year or less $ - $ - After one through five years - - After five through ten years 10,388 11,064 After ten years 55,433 56,619 Securities not due on a single maturity date 348,822 378,257 $ 414,643 $ 445,940

NOTE 5_ INVESTMENT SECURITIES_4

NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Unrealized Gain (Loss) on Investments	September 30, 2020 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 $ 11,140 $ (12 ) $ - $ - $ 11,140 $ (12) Agency collateralized mortgage obligations 12,849 (259 ) - - 12,849 (259) States and political subdivisions 9,929 (97 ) - - 9,929 (97) $ 33,918 $ (368 ) $ - $ - $ 33,918 $ (368) December 31, 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 $ - $ - $ 24,762 $ (265) $ 24,762 $ (265) Agency collateralized mortgage obligations 69,372 (921) - - 69,372 (921) Small Business Administration securities 22,058 (74) - - 22,058 (74) $ 91,430 $ (995) $ 24,762 $ (265) $ 116,192 $ (1,260)

NOTE 5_ INVESTMENT SECURITIES_5

NOTE 5: INVESTMENT SECURITIES: Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income	Amounts Reclassified from Accumulated Other Comprehensive Income Three Months Ended September 30, Affected Line Item in the 2020 2019 Statements of Income (In Thousands) Net realized gains on sales of Unrealized gains on available-for- sale securities $ - $ - available-for-sale securities (Total reclassified amount before tax) Income Taxes - - Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ - $ - Amounts Reclassified from Accumulated Other Comprehensive Income Nine Months Ended September 30, Affected Line Item in the 2020 2019 Statements of Income (In Thousands) Net realized gains on sales of Unrealized gains on available-for- sale securities $ 78 $ 10 available-for-sale securities (Total reclassified amount before tax) Income Taxes (18) (2) Provision for income taxes Total reclassifications out of accumulated other comprehensive income $ 60 $ 8

NOTE 6_ LOANS AND ALLOWANCE F_3

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Accounts, Notes, Loans and Financing Receivable	September 30, December 31, 2020 2019 (In Thousands) One- to four-family residential construction $ 38,503 $ 33,963 Subdivision construction 10,466 16,088 Land development 40,224 40,431 Commercial construction 1,206,342 1,322,861 Owner occupied one- to four-family residential 478,113 387,016 Non-owner occupied one- to four-family residential 117,699 120,343 Commercial real estate 1,536,443 1,494,172 Other residential 1,018,359 866,006 Commercial business 439,199 313,209 Industrial revenue bonds 14,165 13,189 Consumer auto 99,284 151,854 Consumer other 41,333 46,720 Home equity lines of credit 114,357 118,988 Loans acquired and accounted for under ASC 310-30, net of discounts 106,128 127,206 5,260,615 5,052,046 Undisbursed portion of loans in process (782,865 ) (850,666 ) Allowance for loan losses (54,238 ) (40,294 ) Deferred loan fees and gains, net (9,748 ) (7,104 ) $ 4,413,764 $ 4,153,982 Weighted average interest rate 4.28 % 4.97 %

NOTE 6_ LOANS AND ALLOWANCE F_4

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Loans Classified by Aging Analysis	September 30, 2020 Total Loans Total > 90 Days 30-59 Days 60-89 Days 90+ Days Total Loans Past Due and Past Due Past Due Past Due Past Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ 79 $ - $ - $ 79 $ 38,424 $ 38,503 $ - Subdivision construction - - - - 10,466 10,466 - Land development 236 39 - 275 39,949 40,224 - Commercial construction - - - - 1,206,342 1,206,342 - Owner occupied one- to four- family residential 336 195 1,922 2,453 475,660 478,113 - Non-owner occupied one- to four- family residential - - 238 238 117,461 117,699 - Commercial real estate 100 - 701 801 1,535,642 1,536,443 - Other residential - - - - 1,018,359 1,018,359 - Commercial business - - 140 140 439,059 439,199 - Industrial revenue bonds - - - - 14,165 14,165 - Consumer auto 384 45 267 696 98,588 99,284 - Consumer other 177 6 112 295 41,038 41,333 - Home equity lines of credit 109 129 457 695 113,662 114,357 - Loans acquired and accounted for under ASC 310-30, net of discounts 331 348 3,966 4,645 101,483 106,128 - 1,752 762 7,803 10,317 5,250,298 5,260,615 - Less loans acquired an accountedd for under ASC 310-30, net of discounts 331 348 3,966 4,645 101,483 106,128 - Total $ 1,421 $ 414 $ 3,837 $ 5,672 $ 5,148,815 $ 5,154,487 $ - December 31, 2019 Total Loans Total > 90 Days 30-59 Days 60-89 Days 90+ Days Total Loans Past Due and Past Due Past Due Past Due Past Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ - $ - $ - $ - $ 33,963 $ 33,963 $ - Subdivision construction - - - - 16,088 16,088 - Land development - 27 - 27 40,404 40,431 - Commercial construction 15,085 - - 15,085 1,307,776 1,322,861 - Owner occupied one- to four- family residential 1,453 1,631 1,198 4,282 382,734 387,016 - Non-owner occupied one- to four- family residential 152 - 181 333 120,010 120,343 - Commercial real estate 549 119 632 1,300 1,492,872 1,494,172 - Other residential 376 - - 376 865,630 866,006 - Commercial business 60 - 1,235 1,295 311,914 313,209 - Industrial revenue bonds - - - - 13,189 13,189 - Consumer auto 1,101 259 558 1,918 149,936 151,854 - Consumer other 278 233 198 709 46,011 46,720 - Home equity lines of credit 296 - 517 813 118,175 118,988 - Loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 - 21,527 2,978 10,710 35,215 5,016,831 5,052,046 - Less loans acquired and accounted for under ASC 310-30, net of discounts 2,177 709 6,191 9,077 118,129 127,206 - Total $ 19,350 $ 2,269 $ 4,519 $ 26,138 $ 4,898,702 $ 4,924,840 $ -

NOTE 6_ LOANS AND ALLOWANCE F_5

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Financing Receivable, Nonaccrual	September 30, December 31, 2020 2019 (In Thousands) One- to four-family residential construction $ - $ - Subdivision construction - - Land development - - Commercial construction - - Owner occupied one- to four-family residential 1,922 1,198 Non-owner occupied one- to four-family residential 238 181 Commercial real estate 701 632 Other residential - - Commercial business 140 1,235 Industrial revenue bonds - - Consumer auto 267 558 Consumer other 112 198 Home equity lines of credit 457 517 Total $ 3,837 $ 4,519

NOTE 6_ LOANS AND ALLOWANCE F_6

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Financing Receivable, Allowance for Credit Loss

NOTE 6_ LOANS AND ALLOWANCE F_7

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Impaired Financing Receivables	September 30, 2020 Unpaid Recorded Principal Specific Balance Balance Allowance (In Thousands) One- to four-family residential construction $ - $ - $ - Subdivision construction 22 22 - Land development - - - Commercial construction - - - Owner occupied one- to four-family residential 3,342 3,460 78 Non-owner occupied one- to four-family residential 238 238 - Commercial real estate 3,056 3,056 466 Other residential - - - Commercial business 197 210 15 Industrial revenue bonds - - - Consumer auto 1,024 1,040 166 Consumer other 333 355 17 Home equity lines of credit 553 558 4 Total $ 8,765 $ 8,939 $ 746 Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 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 22 - 147 3 Land development - - - - Commercial construction - - - - Owner occupied one- to four-family residential 3,146 44 2,850 124 Non-owner occupied one- to four-family residential 267 - 372 11 Commercial real estate 3,829 30 3,946 97 Other residential - - - - Commercial business 538 5 1,008 30 Industrial revenue bonds - - - - Consumer auto 889 37 945 77 Consumer other 293 17 281 33 Home equity lines of credit 528 7 535 26 Total $ 9,512 $ 140 $ 10,084 $ 401 At or for the Year Ended December 31, 2019 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 251 251 96 277 9 Land development - - - 328 101 Commercial construction - - - - - Owner occupied one- to four- family residential 2,300 2,423 82 2,598 131 Non-owner occupied one- to four-family residential 409 574 20 954 43 Commercial real estate 4,020 4,049 517 4,940 264 Other residential - - - - - Commercial business 1,286 1,771 13 1,517 81 Industrial revenue bonds - - - - - Consumer auto 1,117 1,334 181 1,128 125 Consumer other 356 485 16 383 48 Home equity lines of credit 528 548 4 362 37 Total $ 10,267 $ 11,435 $ 929 $ 12,487 $ 839 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 September 30, 2019 Nine Months Ended 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

NOTE 6_ LOANS AND ALLOWANCE F_8

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Financing Receivable, Troubled Debt Restructuring	Three Months Ended September 30, 2020 Total Interest Only Term Combination Modification (In Thousands) One- to four-family residential - - 647 647 Commercial real estate - - 559 559 Commercial business - - 22 22 Consumer - - 1,771 1,771 $ - $ - $ 2,999 $ 2,999 Three Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ - $ - $ - $ - Nine Months Ended September 30, 2020 Total Interest Only Term Combination Modification (In Thousands) One- to four-family residential $ - $ - $ 777 $ 777 Commercial real estate - - 559 559 Commercial business - - 22 22 Consumer - 16 1,847 1,863 $ - $ 16 $ 3,205 $ 3,221 Nine Months Ended September 30, 2019 Total Interest Only Term Combination Modification (In Thousands) Consumer $ - $ 73 $ - $ 73

NOTE 6_ LOANS AND ALLOWANCE F_9

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Financing Receivable Credit Quality Indicators	September 30, 2020 Special Satisfactory Watch Mention Substandard Doubtful Total (In Thousands) One- to four-family residential construction $ 37,303 $ 1,200 $ - $ - $ - $ 38,503 Subdivision construction 10,444 - - 22 - 10,466 Land development 40,224 - - - - 40,224 Commercial construction 1,206,342 - - - - 1,206,342 Owner occupied one- to four- family residential 475,479 - - 2,634 - 478,113 Non-owner occupied one- to four- family residential 117,141 321 - 237 - 117,699 Commercial real estate 1,480,891 52,496 - 3,056 - 1,536,443 Other residential 1,018,359 - - - - 1,018,359 Commercial business 428,800 10,258 - 141 - 439,199 Industrial revenue bonds 14,165 - - - - 14,165 Consumer auto 98,659 18 - 607 - 99,284 Consumer other 41,003 86 - 244 - 41,333 Home equity lines of credit 113,793 40 - 524 - 114,357 Loans acquired and accounted for under ASC 310-30, net of discounts 106,117 - - 11 - 106,128 Total $ 5,188,720 $ 64,419 $ - $ 7,476 $ - $ 5,260,615

NOTE 7_ ACQUIRED LOANS, LOSS _4

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
FDIC Indemnification Asset Policy	Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) September 30, 2020 Gross loans receivable $ 6,019 $ 8,502 $ 14,479 $ 49,483 $ 32,435 Balance of accretable discount (108 ) (40 ) (212 ) (1,761 ) (815 ) Net carrying value to loans receivable (5,882 ) (8,449 ) (14,163 ) (46,722 ) (30,913 ) Expected loss remaining $ 29 $ 13 $ 104 $ 1,000 $ 707 December 31, 2019 Gross loans receivable $ 7,304 $ 9,899 $ 17,906 $ 60,430 $ 41,032 Balance of accretable discount (159 ) (89 ) (374 ) (5,143 ) (1,803 ) Net carrying value to loans receivable (7,118 ) (9,797 ) (17,392 ) (54,442 ) (38,452 ) Expected loss remaining $ 27 $ 13 $ 140 $ 845 $ 777

NOTE 7_ ACQUIRED LOANS, LOSS _5

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Impact of Adjustments of Acquired Loans on Financial Results (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Impact of Adjustments of Acquired Loans on Financial Results	Three Months Ended Three Months Ended September 30, 2020 September 30, 2019 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $ 1,229 9 bps $ 2,251 20 bps Net impact to pre-tax income $ 1,229 $ 2,251 Net impact net of taxes $ 949 $ 1,738 Impact to diluted earnings per share $ 0.07 $ 0.12 Nine Months Ended Nine Months Ended September 30, 2020 September 30, 2019 (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ net interest margin (in basis points) $ 4,632 12 bps $ 5,162 15 bps Net impact to pre-tax income $ 4,632 $ 5,162 Net impact net of taxes $ 3,576 $ 3,985 Impact to diluted earnings per share $ 0.25 $ 0.28

NOTE 7_ ACQUIRED LOANS, LOSS _6

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Schedule of Accretable Yield Changes for Acquired Loans (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Accretable Yield Changes for Acquired Loans	Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, July 1, 2020 $ 918 $ 954 $ 1,893 $ 5,252 $ 4,123 Accretion (94 ) (238 ) (238 ) (1,599 ) (658 ) Change in expected accretable yield (1) 178 88 79 808 92 Balance, September 30, 2020 $ 1,002 $ 804 $ 1,734 $ 4,461 $ 3,557 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 (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, 2020, totaling $178,000, $88,000, $79,000, $808,000 and $92,000, respectively, and for the three months ended September 30, 2019, totaling $(21,000), $132,000, $565,000, $(644,000) and $482,000, respectively. Sun Security TeamBank Vantus Bank Bank InterBank Valley Bank (In Thousands) Balance, January 1, 2020 $ 1,157 $ 1,123 $ 1,948 $ 8,277 $ 4,578 Accretion (334 ) (657 ) (831 ) (5,563 ) (2,398 ) Change in expected accretable yield (1) 179 338 617 1,747 1,377 Balance, September 30, 2020 $ 1,002 $ 804 $ 1,734 $ 4,461 $ 3,557 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 (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 nine months ended September 30, 2020, totaling $179,000, $338,000, $617,000, $1.7 million and $1.4 million, respectively, and for the nine months ended September 30, 2019, totaling $526,000, $406,000, $812,000, $4.0 million and $2.7 million, respectively.

Note 8_ Other Real Estate Own_2

Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Major Classifications of Foreclosed Assets	September 30, December 31, 2020 2019 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ - $ - Subdivision construction 350 689 Land development 1,075 1,816 Commercial construction - - One- to four-family residential - 601 Other residential - - Commercial real estate - - Commercial business - - Consumer 196 545 1,621 3,651 Foreclosed assets acquired through FDIC-assisted transactions, net of discounts 446 1,003 Foreclosed assets held for sale and repossessions, net 2,067 4,654 Other real estate owned not acquired through foreclosure 940 871 Other real estate owned and repossessions $ 3,007 $ 5,525

Note 8_ Other Real Estate Own_3

Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Expenses Applicable to Foreclosed Assets	Three Months Ended September 30, 2020 2019 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (348 ) $ (250 ) Valuation write-downs 269 280 Operating expenses, net of rental income 278 573 $ 199 $ 603 Nine Months Ended September 30, 2020 2019 (In Thousands) Net gains on sales of other real estate owned and repossessions $ (450 ) $ (659 ) Valuation write-downs 482 724 Operating expenses, net of rental income 914 1,577 $ 946 $ 1,642

Note 9_ Premises and Equipmen_2

Note 9: Premises and Equipment: Property, Plant and Equipment (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Property, Plant and Equipment	September 30, December 31, 2020 2019 (In Thousands) Land $ 40,621 $ 40,632 Buildings and improvements 99,553 96,959 Furniture, fixtures and equipment 58,700 56,986 Operating leases right of use asset 8,758 8,668 207,632 203,245 Less accumulated depreciation 67,130 61,337 $ 140,502 $ 141,908

Note 9_ Premises and Equipmen_3

Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Calculated Amount of Right of Use Assets and Lease Liabilities	At or For the Three Months Ended September 30, 2020 September 30, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,758 $ 8,888 Operating leases liability $ 8,869 $ 8,952 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 397 $ 344 (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 $ 391 $ 326 At or For the Nine Months Ended September 30, 2020 September 30, 2019 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 8,758 $ 8,888 Operating leases liability $ 8,869 $ 8,952 Statement of Income Operating lease costs classified as occupancy and equipment expense $ 1,182 $ 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 $ 1,149 $ 1,028 Right of use assets obtained in exchange for lease obligations: Operating leases $ 972 $ 9,538

Note 9_ Premises and Equipmen_4

Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Future Minimum Rental Payments for Operating Leases	2020 $ 267 2021 1,118 2022 1,116 2023 1,088 2024 1,005 2025 979 Thereafter 4,926 Future lease payments expected 10,499 Less interest portion of lease payments (1,630 ) Lease liability $ 8,869

Note 10_ Deposits_ Schedule of

Note 10: Deposits: Schedule of Deposit Liabilities (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Deposit Liabilities	September 30, December 31, 2020 2019 (In Thousands) Time Deposits: 0.00% - 0.99% $ 649,949 $ 122,649 1.00% - 1.99% 657,893 523,816 2.00% - 2.99% 183,472 1,053,914 3.00% - 3.99% 18,733 19,849 4.00% - 4.99% 425 881 Total time deposits (weighted average rate 1.19% and 2.09%) 1,510,472 1,721,109 Non-interest-bearing demand deposits 881,298 687,068 Interest-bearing demand and savings deposits (Weighted average rate 0.29% and 0.55%) 2,051,987 1,551,929 Total Deposits $ 4,443,757 $ 3,960,106

Note 12_ Securities Sold Unde_2

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Short-term Debt (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Short-term Debt	September 30, 2020 December 31, 2019 (In Thousands) Notes payable – Community Development Equity Funds $ 1,218 $ 1,267 Other interest-bearing liabilities - 30,890 Overnight borrowings from the Federal Home Loan Bank - 196,000 Securities sold under reverse repurchase agreements 155,042 84,167 $ 156,260 $ 312,324

Note 12_ Securities Sold Unde_3

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Repurchase Agreements	September 30, 2020 December 31, 2019 Overnight and Overnight and Continuous Continuous (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 155,042 $ 84,167

Note 13_ Subordinated Notes_ Sc

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Subordinated Borrowing	September 30, 2020 December 31, 2019 (In Thousands) Subordinated notes $ 150,000 $ 75,000 Less: unamortized debt issuance costs 1,783 724 $ 148,217 $ 74,276

Note 14_ Income Taxes_ Schedule

Note 14: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Effective Income Tax Rate Reconciliation	Three Months Ended September 30, 2020 2019 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.6 ) (0.5 ) Tax credits (3.8 ) (3.9 ) State taxes 5.0 1.0 Other (0.1 ) (0.1 ) 21.5 % 17.5 % Nine Months Ended September 30, 2020 2019 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.5 ) (0.5 ) Tax credits (3.9 ) (4.2 ) State taxes 1.6 1.2 Other 0.6 0.1 18.8 % 17.6 %

Note 15_ Disclosures About F_14

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Tables)	9 Months Ended
	Sep. 30, 2020
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, 2020 Agency mortgage-backed securities $ 171,458 $ - $ 171,458 $ - Agency collateralized mortgage obligations 185,091 - 185,091 - States and political subdivisions 67,683 - 67,683 - Small Business Administration securities 21,708 - 21,708 - Interest rate derivative asset 6,193 - 6,193 - Interest rate derivative liability (6,744 ) - (6,744 ) - December 31, 2019 Agency mortgage-backed securities $ 165,042 $ - $ 165,042 $ - Agency collateralized mortgage obligations 151,950 - 151,950 - States and political subdivisions 35,125 - 35,125 - Small Business Administration securities 22,058 - 22,058 - Interest rate derivative asset 31,476 - 31,476 - Interest rate derivative liability (1,547 ) - (1,547 ) -

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)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	Fair Value Measurements Using Quoted prices in active markets Other Significant for identical observable unobservable assets inputs inputs Fair value (Level 1) (Level 2) (Level 3) (In Thousands) September 30, 2020 Impaired loans $ 3,447 $ - $ - $ 3,447 Foreclosed assets held for sale $ 1,507 $ - $ - $ 1,507 December 31, 2019 Impaired loans $ 635 $ - $ - $ 635 Foreclosed assets held for sale $ 1,112 $ - $ - $ 1,112

Note 15_ Disclosures About F_16

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule Of Financial Instruments Fair Value	September 30, 2020 December 31, 2019 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $ 338,266 $ 338,266 1 $ 220,155 $ 220,155 1 Mortgage loans held for sale 23,973 23,973 2 9,242 9,242 2 Loans, net of allowance for loan losses 4,413,764 4,422,175 3 4,153,982 4,129,984 3 Interest receivable 14,139 14,139 3 13,530 13,530 3 Investment in FHLBank stock and 11,036 11,036 3 13,473 13,473 3 Financial liabilities Deposits 4,443,757 4,454,083 3 3,960,106 3,963,875 3 Short-term borrowings 156,260 156,260 3 312,324 312,324 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 148,217 153,844 2 74,276 76,875 2 Interest payable 2,859 2,859 3 4,250 4,250 3 Unrecognized financial instruments Commitments to originate loans - - 3 - - 3 Letters of credit 61 61 3 109 109 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)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	Location in Fair Value Consolidated Statements September 30, December 31, of Financial Condition 2020 2019 (In Thousands) Derivatives designated as hedging instruments Interest rate swap Prepaid expenses and other assets $ - $ 30,056 Total derivatives designated as hedging instruments $ - $ 30,056 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 6,193 $ 1,420 Total derivatives not designated as hedging instruments $ 6,193 $ 1,420 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 6,744 $ 1,547 Total derivatives not designated as hedging instruments $ 6,744 $ 1,547

Note 16_ Derivatives and Hedg_7

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)	Amount of Gain (Loss) Recognized in AOCI Three Months Ended September 30, Cash Flow Hedges 2020 2019 (In Thousands) Interest rate swap, net of income taxes $ (1,581 ) $ 4,461 Amount of Gain (Loss) Recognized in AOCI Nine Months Ended September 30, Cash Flow Hedges 2020 2019 (In Thousands) Interest rate swap, net of income taxes $ 8,271 $ 18,789

Note 16_ Derivatives and Hedg_8

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Tables)	9 Months Ended
	Sep. 30, 2020
Tables/Schedules
Schedule of Derivative Instruments, Effect on Statements of Operations	Three Months Ended September 30, Cash Flow Hedges 2020 2019 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Interest rate swap $ 2,047 $ - $ 801 $ - Nine Months Ended September 30, Cash Flow Hedges 2020 2019 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Interest rate swap $ 5,629 $ - $ 1,881 $ -

NOTE 4_ EARNINGS PER SHARE_ S_2

NOTE 4: EARNINGS PER SHARE: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Weighted Average Number of Shares Outstanding, Diluted	14,053	14,210	14,119	14,187
Net Income (Loss) Available to Common Stockholders, Diluted	$ 13,454	$ 19,732	$ 41,525	$ 55,720
Earnings Per Share, Basic	$ 0.96	$ 1.39	$ 2.94	$ 3.93
Net effect of dilutive stock options - based on the treasurystock method using average market price	32	107	46	110
Weighted Average Number Diluted Shares Outstanding Adjustment	14,085	14,317	14,165	14,297
Earnings Per Share, Diluted	$ 0.96	$ 1.38	$ 2.93	$ 3.90

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, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
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	654,369	328,275	650,869	318,275

NOTE 5_ INVESTMENT SECURITIES_6

NOTE 5: INVESTMENT SECURITIES: Investment Securities (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale Securities
Available For Sale Securities Amortized Cost Amount	$ 414,643	$ 362,460
Available-for-sale Securities, Gross Unrealized Gain	31,665	12,975
Available-for-sale Securities, Gross Unrealized Loss	368	1,260
Available for Sale Securities Fair Value	445,940	374,175
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available For Sale Securities Amortized Cost Amount	152,068	156,591
Available-for-sale Securities, Gross Unrealized Gain	19,402	8,716
Available-for-sale Securities, Gross Unrealized Loss	12	265
Available for Sale Securities Fair Value	171,458	165,042
Collateralized Mortgage Obligations
Available For Sale Securities Amortized Cost Amount	176,077	149,980
Available-for-sale Securities, Gross Unrealized Gain	9,273	2,891
Available-for-sale Securities, Gross Unrealized Loss	259	921
Available for Sale Securities Fair Value	185,091	151,950
US States and Political Subdivisions Debt Securities
Available For Sale Securities Amortized Cost Amount	65,821	33,757
Available-for-sale Securities, Gross Unrealized Gain	1,959	1,368
Available-for-sale Securities, Gross Unrealized Loss	97	0
Available for Sale Securities Fair Value	67,683	35,125
Small Business Administration securities
Available For Sale Securities Amortized Cost Amount	20,677	22,132
Available-for-sale Securities, Gross Unrealized Gain	1,031	0
Available-for-sale Securities, Gross Unrealized Loss	0	74
Available for Sale Securities Fair Value	$ 21,708	$ 22,058

NOTE 5_ INVESTMENT SECURITIES_7

NOTE 5: INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Details)	3 Months Ended
	Sep. 30, 2020USD ($)
Details
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$ 0
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	0
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	10,388
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	11,064
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	55,433
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	56,619
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	348,822
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	378,257
Available For Sale Securities Amortized Cost of Contractual Maturities	414,643
Available For Sale Securities Fair Value of Contractual Maturities	$ 445,940

NOTE 5_ INVESTMENT SECURITIES_8

NOTE 5: INVESTMENT SECURITIES: Investment, Policy (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Details
Debt Securities, Held-to-maturity	$ 0	$ 0
Fair Value of Debt Securities Reported Less Than Their Historical Cost	$ 33,900,000	$ 116,200,000
Debt Securities Reported Less Than Their Historical Cost Percent of Investment Portfolio	7.60%	31.10%

NOTE 5_ INVESTMENT SECURITIES_9

NOTE 5: INVESTMENT SECURITIES: Unrealized Gain (Loss) on Investments (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Collateralized Mortgage Backed Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 11,140	$ 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(12)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0	24,762
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(265)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	11,140	24,762
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(12)	(265)
Collateralized Mortgage Obligations
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	12,849	69,372
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(259)	(921)
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	12,849	69,372
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(259)	(921)
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	9,929
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(97)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	9,929
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(97)
Unrealized Losses and Estimated Fair Value
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	33,918	91,430
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(368)	(995)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0	24,762
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(265)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	33,918	116,192
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ (368)	(1,260)
Small Business Administration securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		22,058
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		(74)
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		22,058
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss		$ (74)

NOTE 5_ INVESTMENT SECURITIE_10

NOTE 5: INVESTMENT SECURITIES: Sales of Available for Sale Securities (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2020	Sep. 30, 2019
Details
Available-for-sale Securities, Gross Realized Gains	$ 0	$ 78	$ 226
Available-for-sale Securities, Gross Realized Losses			$ 216

NOTE 5_ INVESTMENT SECURITIE_11

NOTE 5: INVESTMENT SECURITIES: Other than temporary impairment securities (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2020
Details
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities	$ 0	$ 0

NOTE 5_ INVESTMENT SECURITIE_12

NOTE 5: INVESTMENT SECURITIES: Credit Losses Recognized on Investments (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Reductions, Securities Sold	$ 0	$ 0	$ 0	$ 0

NOTE 5_ INVESTMENT SECURITIE_13

NOTE 5: INVESTMENT SECURITIES: Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	$ 0	$ 0	$ 60	$ 8
Affected Line Item in the Statements of Income | Net realized gains on sales available for sale securities total reclassified amount before tax
Unrealized gains on available-for-sale securities reclassified out of AOCI	0	0	78	10
Affected Line Item in the Statements of Income | Tax Expense (Benefit)
Income taxes on unrealized gains on available-for-sale securities reclassified out of AOCI	$ 0	$ 0	$ (18)	$ (2)

NOTE 6_ LOANS AND ALLOWANCE _10

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable weighted average interest rate	4.28%	4.97%
SEC Schedule, 12-09, Allowance, Credit Loss
Loans Receivable	$ (54,238)	$ (40,294)
Undisbursed portion of loans in process
Loans Receivable	(782,865)	(850,666)
Deferred loan fees and gains, net
Loans Receivable	(9,748)	(7,104)
Loans Receivable
Loans Receivable	4,413,764	4,153,982
Commercial Loan
Loans Receivable	1,206,342	1,322,861
Commercial Real Estate
Loans Receivable	1,536,443	1,494,172
Industrial revenue bonds
Loans Receivable	14,165	13,189
Automobile Loan
Loans Receivable	99,284	151,854
Home Equity Line of Credit
Loans Receivable	114,357	118,988
Land Improvements
Loans Receivable	40,224	40,431
One- to four-family residential construction
Loans Receivable	38,503	33,963
Subdivision construction
Loans Receivable	10,466	16,088
Owner occupied one- to four-family residential
Loans Receivable	478,113	387,016
Non-owner occupied one- to four-family residential
Loans Receivable	117,699	120,343
Other residential
Loans Receivable	1,018,359	866,006
Commercial Borrower
Loans Receivable	439,199	313,209
Consumer Borrower
Loans Receivable	41,333	46,720
Acquired Loans Net of Discount
Loans Receivable	$ 106,128	$ 127,206

NOTE 6_ LOANS AND ALLOWANCE _11

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Schedule of Loans Classified by Aging Analysis (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Financing Receivables Greater Than 90 Days Past Due and Still Accruing
Financing Receivables, By Class	$ 0	$ 0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Loan
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 | Industrial revenue bonds
Financing Receivables, By Class	0	0
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 | Home Equity Line of Credit
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Land Improvements
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 | 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 | Other residential
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Commercial Borrower
Financing Receivables, By Class	0	0
Financing Receivables Greater Than 90 Days Past Due and Still Accruing | Consumer Borrower
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 | Less Acquired Loans Net of Discount
Financing Receivables, By Class	0	0
Financial Asset, 30 to 59 Days Past Due | Commercial Loan
Financing Receivables, By Class	0	15,085
Financial Asset, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	100	549
Financial Asset, 30 to 59 Days Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financial Asset, 30 to 59 Days Past Due | Automobile Loan
Financing Receivables, By Class	384	1,101
Financial Asset, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	109	296
Financial Asset, 30 to 59 Days Past Due | Land Improvements
Financing Receivables, By Class	236	0
Financial Asset, 30 to 59 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	79	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 | Owner occupied one- to four-family residential
Financing Receivables, By Class	336	1,453
Financial Asset, 30 to 59 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	0	152
Financial Asset, 30 to 59 Days Past Due | Other residential
Financing Receivables, By Class	0	376
Financial Asset, 30 to 59 Days Past Due | Commercial Borrower
Financing Receivables, By Class	0	60
Financial Asset, 30 to 59 Days Past Due | Consumer Borrower
Financing Receivables, By Class	177	278
Financial Asset, 30 to 59 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	331	2,177
Financial Asset, 30 to 59 Days Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	331	2,177
Financial Asset, 30 to 59 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	1,752	21,527
Financial Asset, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables, By Class	1,421	19,350
Financial Asset, 60 to 89 Days Past Due | Commercial Loan
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	0	119
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 | Automobile Loan
Financing Receivables, By Class	45	259
Financial Asset, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	129	0
Financial Asset, 60 to 89 Days Past Due | Land Improvements
Financing Receivables, By Class	39	27
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 | Owner occupied one- to four-family residential
Financing Receivables, By Class	195	1,631
Financial Asset, 60 to 89 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	0	0
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 Borrower
Financing Receivables, By Class	0	0
Financial Asset, 60 to 89 Days Past Due | Consumer Borrower
Financing Receivables, By Class	6	233
Financial Asset, 60 to 89 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	348	709
Financial Asset, 60 to 89 Days Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	348	709
Financial Asset, 60 to 89 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	762	2,978
Financial Asset, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables, By Class	414	2,269
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Loan
Financing Receivables, By Class	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	701	632
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 | Automobile Loan
Financing Receivables, By Class	267	558
Financial Asset, Equal to or Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	457	517
Financial Asset, Equal to or Greater than 90 Days Past Due | Land Improvements
Financing Receivables, By Class	0	0
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 | Owner occupied one- to four-family residential
Financing Receivables, By Class	1,922	1,198
Financial Asset, Equal to or Greater than 90 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	238	181
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 Borrower
Financing Receivables, By Class	140	1,235
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer Borrower
Financing Receivables, By Class	112	198
Financial Asset, Equal to or Greater than 90 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	3,966	6,191
Financial Asset, Equal to or Greater than 90 Days Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	3,966	6,191
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	7,803	10,710
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	3,837	4,519
Financing Receivables Past Due | Commercial Loan
Financing Receivables, By Class	0	15,085
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables, By Class	801	1,300
Financing Receivables Past Due | Industrial revenue bonds
Financing Receivables, By Class	0	0
Financing Receivables Past Due | Automobile Loan
Financing Receivables, By Class	696	1,918
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables, By Class	695	813
Financing Receivables Past Due | Land Improvements
Financing Receivables, By Class	275	27
Financing Receivables Past Due | One- to four-family residential construction
Financing Receivables, By Class	79	0
Financing Receivables Past Due | Subdivision construction
Financing Receivables, By Class	0	0
Financing Receivables Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	2,453	4,282
Financing Receivables Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	238	333
Financing Receivables Past Due | Other residential
Financing Receivables, By Class	0	376
Financing Receivables Past Due | Commercial Borrower
Financing Receivables, By Class	140	1,295
Financing Receivables Past Due | Consumer Borrower
Financing Receivables, By Class	295	709
Financing Receivables Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class	4,645	9,077
Financing Receivables Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	4,645	9,077
Financing Receivables Past Due | Loans Receivable, Gross
Financing Receivables, By Class	10,317	35,215
Financing Receivables Past Due | Loans Receivable
Financing Receivables, By Class	5,672	26,138
Financing Receivables Current | Commercial Loan
Financing Receivables, By Class	1,206,342	1,307,776
Financing Receivables Current | Commercial Real Estate
Financing Receivables, By Class	1,535,642	1,492,872
Financing Receivables Current | Industrial revenue bonds
Financing Receivables, By Class	14,165	13,189
Financing Receivables Current | Automobile Loan
Financing Receivables, By Class	98,588	149,936
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables, By Class	113,662	118,175
Financing Receivables Current | Land Improvements
Financing Receivables, By Class	39,949	40,404
Financing Receivables Current | One- to four-family residential construction
Financing Receivables, By Class	38,424	33,963
Financing Receivables Current | Subdivision construction
Financing Receivables, By Class	10,466	16,088
Financing Receivables Current | Owner occupied one- to four-family residential
Financing Receivables, By Class	475,660	382,734
Financing Receivables Current | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	117,461	120,010
Financing Receivables Current | Other residential
Financing Receivables, By Class	1,018,359	865,630
Financing Receivables Current | Commercial Borrower
Financing Receivables, By Class	439,059	311,914
Financing Receivables Current | Consumer Borrower
Financing Receivables, By Class	41,038	46,011
Financing Receivables Current | Acquired Loans Net of Discount
Financing Receivables, By Class	101,483	118,129
Financing Receivables Current | Less Acquired Loans Net of Discount
Financing Receivables, By Class	101,483	118,129
Financing Receivables Current | Loans Receivable, Gross
Financing Receivables, By Class	5,250,298	5,016,831
Financing Receivables Current | Loans Receivable
Financing Receivables, By Class	5,148,815	4,898,702
Financing Receivables Total | Commercial Loan
Financing Receivables, By Class	1,206,342	1,322,861
Financing Receivables Total | Commercial Real Estate
Financing Receivables, By Class	1,536,443	1,494,172
Financing Receivables Total | Industrial revenue bonds
Financing Receivables, By Class	14,165	13,189
Financing Receivables Total | Automobile Loan
Financing Receivables, By Class	99,284	151,854
Financing Receivables Total | Home Equity Line of Credit
Financing Receivables, By Class	114,357	118,988
Financing Receivables Total | Land Improvements
Financing Receivables, By Class	40,224	40,431
Financing Receivables Total | One- to four-family residential construction
Financing Receivables, By Class	38,503	33,963
Financing Receivables Total | Subdivision construction
Financing Receivables, By Class	10,466	16,088
Financing Receivables Total | Owner occupied one- to four-family residential
Financing Receivables, By Class	478,113	387,016
Financing Receivables Total | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	117,699	120,343
Financing Receivables Total | Other residential
Financing Receivables, By Class	1,018,359	866,006
Financing Receivables Total | Commercial Borrower
Financing Receivables, By Class	439,199	313,209
Financing Receivables Total | Consumer Borrower
Financing Receivables, By Class	41,333	46,720
Financing Receivables Total | Acquired Loans Net of Discount
Financing Receivables, By Class	106,128	127,206
Financing Receivables Total | Less Acquired Loans Net of Discount
Financing Receivables, By Class	106,128	127,206
Financing Receivables Total | Loans Receivable, Gross
Financing Receivables, By Class	5,260,615	5,052,046
Financing Receivables Total | Loans Receivable
Financing Receivables, By Class	$ 5,154,487	$ 4,924,840

NOTE 6_ LOANS AND ALLOWANCE _12

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Nonaccrual (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable
Financing Receivable, Nonaccrual	$ 3,837	$ 4,519
Commercial Loan
Financing Receivable, Nonaccrual	0	0
Commercial Real Estate
Financing Receivable, Nonaccrual	701	632
Industrial revenue bonds
Financing Receivable, Nonaccrual	0	0
Automobile Loan
Financing Receivable, Nonaccrual	267	558
Home Equity Line of Credit
Financing Receivable, Nonaccrual	457	517
Land Improvements
Financing Receivable, Nonaccrual	0	0
One- to four-family residential construction
Financing Receivable, Nonaccrual	0	0
Subdivision construction
Financing Receivable, Nonaccrual	0	0
Owner occupied one- to four-family residential
Financing Receivable, Nonaccrual	1,922	1,198
Non-owner occupied one- to four-family residential
Financing Receivable, Nonaccrual	238	181
Other residential
Financing Receivable, Nonaccrual	0	0
Commercial Borrower
Financing Receivable, Nonaccrual	140	1,235
Consumer Borrower
Financing Receivable, Nonaccrual	$ 112	$ 198

NOTE 6_ LOANS AND ALLOWANCE _13

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Provision for Loan and Lease Losses	$ (4,500)	$ (1,950)	$ (14,371)	$ (5,500)
Loans Receivable
Financing Receivable, Credit Loss, Expense (Reversal)	4,500	1,950	14,371	5,500
Financing Receivable, Allowance for Credit Loss, Writeoff	(686)	(1,677)	(2,589)	(6,425)
Accounts Receivable, Allowance for Credit Loss, Recovery	623	879	2,162	2,922
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	746		746		$ 929
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	52,751		52,751		38,704
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	741		741		661
Financing Receivable, Individually Evaluated for Impairment	8,765		8,765		10,267
Financing Receivable, Collectively Evaluated for Impairment	5,145,722		5,145,722		4,914,573
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	106,128		106,128		127,206
Individually evaluated for impairment	746		746		929
Collectively evaluated for impairment	52,751		52,751		38,704
Individually evaluated for impairment	8,765		8,765		10,267
Collectively evaluated for impairment	5,145,722		5,145,722		4,914,573
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	106,128		106,128		127,206
Loans Receivable | Beginning of Period
Provision for Loan and Lease Losses	49,801	39,254	40,294	38,409
Loans Receivable | End of Period
Provision for Loan and Lease Losses	54,238	40,406	54,238	40,406
Commercial Real Estate
Financing Receivable, Credit Loss, Expense (Reversal)	3,686	2,246	8,217	4,791
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0	0	(7)
Accounts Receivable, Allowance for Credit Loss, Recovery	2	13	42	39
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	466		466		517
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	31,756		31,756		23,570
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	371		371		247
Financing Receivable, Individually Evaluated for Impairment	3,056		3,056		4,020
Financing Receivable, Collectively Evaluated for Impairment	1,533,387		1,533,387		1,490,152
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	26,493		26,493		29,158
Individually evaluated for impairment	466		466		517
Collectively evaluated for impairment	31,756		31,756		23,570
Individually evaluated for impairment	3,056		3,056		4,020
Collectively evaluated for impairment	1,533,387		1,533,387		1,490,152
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	26,493		26,493		29,158
Commercial Real Estate | Beginning of Period
Provision for Loan and Lease Losses	28,905	22,367	24,334	19,803
Commercial Real Estate | End of Period
Provision for Loan and Lease Losses	32,593	24,626	32,593	24,626
Commercial Loan
Financing Receivable, Credit Loss, Expense (Reversal)	1,222	(571)	918	3
Financing Receivable, Allowance for Credit Loss, Writeoff	0	(46)	(1)	(266)
Accounts Receivable, Allowance for Credit Loss, Recovery	12	20	34	40
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	0		0		0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,865		3,865		2,940
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	162		162		136
Financing Receivable, Individually Evaluated for Impairment	0		0		0
Financing Receivable, Collectively Evaluated for Impairment	1,246,566		1,246,566		1,363,292
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	2,818		2,818		3,606
Individually evaluated for impairment	0		0		0
Collectively evaluated for impairment	3,865		3,865		2,940
Individually evaluated for impairment	0		0		0
Collectively evaluated for impairment	1,246,566		1,246,566		1,363,292
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	2,818		2,818		3,606
Commercial Loan | Beginning of Period
Provision for Loan and Lease Losses	2,793	3,479	3,076	3,105
Commercial Loan | End of Period
Provision for Loan and Lease Losses	4,027	2,882	4,027	2,882
One- to four-family residential construction
Financing Receivable, Credit Loss, Expense (Reversal)	(127)	(232)	17	931
Financing Receivable, Allowance for Credit Loss, Writeoff	0	(1)	(40)	(518)
Accounts Receivable, Allowance for Credit Loss, Recovery	67	61	116	96
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	79		79		198
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	4,288		4,288		3,973
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	65		65		168
Financing Receivable, Individually Evaluated for Impairment	3,603		3,603		2,960
Financing Receivable, Collectively Evaluated for Impairment	641,178		641,178		554,450
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	61,226		61,226		74,562
Individually evaluated for impairment	79		79		198
Collectively evaluated for impairment	4,288		4,288		3,973
Individually evaluated for impairment	3,603		3,603		2,960
Collectively evaluated for impairment	641,178		641,178		554,450
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	61,226		61,226		74,562
One- to four-family residential construction | Beginning of Period
Provision for Loan and Lease Losses	4,492	3,803	4,339	3,122
One- to four-family residential construction | End of Period
Provision for Loan and Lease Losses	4,432	3,631	4,432	3,631
Other residential
Financing Receivable, Credit Loss, Expense (Reversal)	(344)	566	3,401	(394)
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0	0	0
Accounts Receivable, Allowance for Credit Loss, Recovery	11	0	177	0
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	0		0		0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	8,642		8,642		5,101
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	89		89		52
Financing Receivable, Individually Evaluated for Impairment	0		0		0
Financing Receivable, Collectively Evaluated for Impairment	1,018,359		1,018,359		866,006
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	6,167		6,167		5,334
Individually evaluated for impairment	0		0		0
Collectively evaluated for impairment	8,642		8,642		5,101
Individually evaluated for impairment	0		0		0
Collectively evaluated for impairment	1,018,359		1,018,359		866,006
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	6,167		6,167		5,334
Other residential | Beginning of Period
Provision for Loan and Lease Losses	9,064	3,753	5,153	4,713
Other residential | End of Period
Provision for Loan and Lease Losses	8,731	4,319	8,731	4,319
Commercial Borrower
Financing Receivable, Credit Loss, Expense (Reversal)	55	(341)	424	(431)
Financing Receivable, Allowance for Credit Loss, Writeoff	(1)	(211)	(10)	(310)
Accounts Receivable, Allowance for Credit Loss, Recovery	35	100	137	399
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	15		15		13
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,849		1,849		1,306
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	42		42		36
Financing Receivable, Individually Evaluated for Impairment	197		197		1,286
Financing Receivable, Collectively Evaluated for Impairment	453,167		453,167		325,112
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	2,390		2,390		3,356
Individually evaluated for impairment	15		15		13
Collectively evaluated for impairment	1,849		1,849		1,306
Individually evaluated for impairment	197		197		1,286
Collectively evaluated for impairment	453,167		453,167		325,112
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	2,390		2,390		3,356
Commercial Borrower | Beginning of Period
Provision for Loan and Lease Losses	1,817	1,678	1,355	1,568
Commercial Borrower | End of Period
Provision for Loan and Lease Losses	1,906	1,226	1,906	1,226
Consumer Borrower
Financing Receivable, Credit Loss, Expense (Reversal)	8	282	1,394	600
Financing Receivable, Allowance for Credit Loss, Writeoff	(685)	(1,419)	(2,538)	(5,324)
Accounts Receivable, Allowance for Credit Loss, Recovery	496	685	1,656	2,348
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	186		186		201
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,351		2,351		1,814
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses	12		12		22
Financing Receivable, Individually Evaluated for Impairment	1,909		1,909		2,001
Financing Receivable, Collectively Evaluated for Impairment	253,065		253,065		315,561
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	7,034		7,034		11,190
Individually evaluated for impairment	186		186		201
Collectively evaluated for impairment	2,351		2,351		1,814
Individually evaluated for impairment	1,909		1,909		2,001
Collectively evaluated for impairment	253,065		253,065		315,561
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model	7,034		7,034		$ 11,190
Consumer Borrower | Beginning of Period
Provision for Loan and Lease Losses	2,730	4,174	2,037	6,098
Consumer Borrower | End of Period
Provision for Loan and Lease Losses	$ 2,549	$ 3,722	$ 2,549	$ 3,722

NOTE 6_ LOANS AND ALLOWANCE _14

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Loans Receivable
Impaired Financing Receivable, Recorded Investment	$ 8,765	$ 10,495	$ 8,765	$ 10,495	$ 10,267
Impaired Financing Receivable, Unpaid Principal Balance	8,939	11,872	8,939	11,872	11,435
Impaired Financing Receivable, Related Allowance	746	934	746	934	929
Impaired Financing Receivable, Average Recorded Investment	9,512	10,539	10,084	13,196	12,487
Impaired Financing Receivable Interest Income Recognized	140	156	401	611	839
Commercial Loan
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
Commercial Real Estate
Impaired Financing Receivable, Recorded Investment	3,056	4,286	3,056	4,286	4,020
Impaired Financing Receivable, Unpaid Principal Balance	3,056	4,312	3,056	4,312	4,049
Impaired Financing Receivable, Related Allowance	466	569	466	569	517
Impaired Financing Receivable, Average Recorded Investment	3,829	4,427	3,946	5,217	4,940
Impaired Financing Receivable Interest Income Recognized	30	62	97	198	264
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
Automobile Loan
Impaired Financing Receivable, Recorded Investment	1,024	840	1,024	840	1,117
Impaired Financing Receivable, Unpaid Principal Balance	1,040	1,083	1,040	1,083	1,334
Impaired Financing Receivable, Related Allowance	166	107	166	107	181
Impaired Financing Receivable, Average Recorded Investment	889	883	945	1,121	1,128
Impaired Financing Receivable Interest Income Recognized	37	21	77	64	125
Home Equity Line of Credit
Impaired Financing Receivable, Recorded Investment	553	541	553	541	528
Impaired Financing Receivable, Unpaid Principal Balance	558	563	558	563	548
Impaired Financing Receivable, Related Allowance	4	4	4	4	4
Impaired Financing Receivable, Average Recorded Investment	528	447	535	318	362
Impaired Financing Receivable Interest Income Recognized	7	13	26	30	37
Land Improvements
Impaired Financing Receivable, Recorded Investment	0	83	0	83	0
Impaired Financing Receivable, Unpaid Principal Balance	0	83	0	83	0
Impaired Financing Receivable, Related Allowance	0	0	0	0	0
Impaired Financing Receivable, Average Recorded Investment	0	83	0	428	328
Impaired Financing Receivable Interest Income Recognized	0	2	0	101	101
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	22	256	22	256	251
Impaired Financing Receivable, Unpaid Principal Balance	22	256	22	256	251
Impaired Financing Receivable, Related Allowance	0	98	0	98	96
Impaired Financing Receivable, Average Recorded Investment	22	269	147	285	277
Impaired Financing Receivable Interest Income Recognized	0	2	3	7	9
Owner occupied one- to four-family residential
Impaired Financing Receivable, Recorded Investment	3,342	2,055	3,342	2,055	2,300
Impaired Financing Receivable, Unpaid Principal Balance	3,460	2,312	3,460	2,312	2,423
Impaired Financing Receivable, Related Allowance	78	105	78	105	82
Impaired Financing Receivable, Average Recorded Investment	3,146	2,042	2,850	2,745	2,598
Impaired Financing Receivable Interest Income Recognized	44	23	124	80	131
Non-owner occupied one- to four-family residential
Impaired Financing Receivable, Recorded Investment	238	795	238	795	409
Impaired Financing Receivable, Unpaid Principal Balance	238	980	238	980	574
Impaired Financing Receivable, Related Allowance	0	21	0	21	20
Impaired Financing Receivable, Average Recorded Investment	267	687	372	1,093	954
Impaired Financing Receivable Interest Income Recognized	0	14	11	32	43
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	0	0	0	0
Impaired Financing Receivable Interest Income Recognized	0	0	0	0	0
Commercial Borrower
Impaired Financing Receivable, Recorded Investment	197	1,299	197	1,299	1,286
Impaired Financing Receivable, Unpaid Principal Balance	210	1,766	210	1,766	1,771
Impaired Financing Receivable, Related Allowance	15	14	15	14	13
Impaired Financing Receivable, Average Recorded Investment	538	1,370	1,008	1,590	1,517
Impaired Financing Receivable Interest Income Recognized	5	7	30	65	81
Consumer Borrower
Impaired Financing Receivable, Recorded Investment	333	340	333	340	356
Impaired Financing Receivable, Unpaid Principal Balance	355	517	355	517	485
Impaired Financing Receivable, Related Allowance	17	16	17	16	16
Impaired Financing Receivable, Average Recorded Investment	293	331	281	399	383
Impaired Financing Receivable Interest Income Recognized	$ 17	$ 12	$ 33	$ 34	$ 48

NOTE 6_ LOANS AND ALLOWANCE _15

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Loans Specific Valuation Allowance (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Details
Impaired Loans With Specific Valuation Allowance	$ 4,600,000	$ 5,200,000
Impaired Loans Valuation Allowance	$ 746	$ 929

NOTE 6_ LOANS AND ALLOWANCE _16

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Troubled Debt Restructuring (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Commercial Borrower
Troubled Debt Restructuring Loans Interest Only	$ 0		$ 0
Troubled Debt Restructuring Loans Modified Term	0		0
Troubled Debt Restructuring Loans Modified Combination	22		22
Troubled Debt Restructurings Total New Modifications	22		22
Consumer Borrower
Troubled Debt Restructuring Loans Interest Only	0	$ 0	0	$ 0
Troubled Debt Restructuring Loans Modified Term	0	0	16	73
Troubled Debt Restructuring Loans Modified Combination	1,771	0	1,847	0
Troubled Debt Restructurings Total New Modifications	1,771	$ 0	1,863	$ 73
Newly Restructured Modified Loans
Troubled Debt Restructuring Loans Interest Only	0
Troubled Debt Restructuring Loans Modified Term	0
Troubled Debt Restructuring Loans Modified Combination	2,999
Troubled Debt Restructurings Total New Modifications	2,999
Commercial Real Estate
Troubled Debt Restructuring Loans Interest Only	0		0
Troubled Debt Restructuring Loans Modified Term	0		0
Troubled Debt Restructuring Loans Modified Combination	559		559
Troubled Debt Restructurings Total New Modifications	559		559
One- to four-family residential
Troubled Debt Restructuring Loans Interest Only	0		0
Troubled Debt Restructuring Loans Modified Term	0		0
Troubled Debt Restructuring Loans Modified Combination	647		777
Troubled Debt Restructurings Total New Modifications	$ 647		$ 777

NOTE 6_ LOANS AND ALLOWANCE _17

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Loans Modified in Troubled Debt Restructurings by Segment (Details)	3 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Troubled Debt Restructurings Total Modifications	$ 3,700,000	$ 1,900,000
Troubled Debt Restructurings Accruing Interest	1,900,000	1,400,000
Troubled Debt Restructurings Non-accrual Assets	$ 1,800,000	$ 562
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0
Substandard
Troubled Debt Restructurings Accruing Interest	$ 2,400,000
Commercial Real Estate
Troubled Debt Restructurings Total Modifications		$ 412
Troubled Debt Restructured Loans and Impaired	1,200,000
Construction and Land Development
Troubled Debt Restructurings Total Modifications		251
Troubled Debt Restructured Loans and Impaired	22
One- to four-family residential construction
Troubled Debt Restructured Loans and Impaired	1,700,000
Commercial Borrower
Troubled Debt Restructurings Total Modifications		156
Troubled Debt Restructured Loans and Impaired	140
Consumer Borrower
Troubled Debt Restructurings Total Modifications		343
Troubled Debt Restructured Loans and Impaired	$ 680
Single Family Residential Mortgage
Troubled Debt Restructurings Total Modifications		$ 768

NOTE 6_ LOANS AND ALLOWANCE _18

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Troubled Debt Restructured Loans Returned to Accrual Status (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Consumer Borrower
Troubled Debt Restructurings Returned to Accrual Status		$ 0		$ 63
One- to four-family residential
Troubled Debt Restructurings Returned to Accrual Status	$ 155		$ 155

NOTE 6_ LOANS AND ALLOWANCE _19

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: CARES Act (Details) $ in Millions	Sep. 30, 2020USD ($)
Commercial Lending Customer
Number of CARES Act Loan Modifications	88
CARES Act Loan Modifications	$ 379
Consumer and Mortgage Loans
Number of CARES Act Loan Modifications	407
CARES Act Loan Modifications	$ 17

NOTE 6_ LOANS AND ALLOWANCE _20

NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable Credit Quality Indicators (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Satisfactory | Loans Receivable
Loan Portfolio Internal Grading System Classification	$ 5,188,720	$ 5,005,765
Satisfactory | Commercial Loan
Loan Portfolio Internal Grading System Classification	1,206,342	1,322,861
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,480,891	1,458,400
Satisfactory | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	14,165	13,189
Satisfactory | Automobile Loan
Loan Portfolio Internal Grading System Classification	98,659	150,874
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	113,793	118,428
Satisfactory | Land Improvements
Loan Portfolio Internal Grading System Classification	40,224	40,431
Satisfactory | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	37,303	33,963
Satisfactory | Subdivision construction
Loan Portfolio Internal Grading System Classification	10,444	16,061
Satisfactory | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	475,479	385,001
Satisfactory | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	117,141	119,743
Satisfactory | Other residential
Loan Portfolio Internal Grading System Classification	1,018,359	866,006
Satisfactory | Commercial Borrower
Loan Portfolio Internal Grading System Classification	428,800	307,322
Satisfactory | Consumer Borrower
Loan Portfolio Internal Grading System Classification	41,003	46,294
Satisfactory | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	106,117	127,192
Watch | Loans Receivable
Loan Portfolio Internal Grading System Classification	64,419	37,368
Watch | Commercial Loan
Loan Portfolio Internal Grading System Classification	0	0
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	52,496	32,063
Watch | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Watch | Automobile Loan
Loan Portfolio Internal Grading System Classification	18	47
Watch | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	40	43
Watch | Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Watch | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	1,200	0
Watch | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	27
Watch | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0	26
Watch | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	321	419
Watch | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Watch | Commercial Borrower
Loan Portfolio Internal Grading System Classification	10,258	4,651
Watch | Consumer Borrower
Loan Portfolio Internal Grading System Classification	86	92
Watch | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial Loan
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Automobile Loan
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | 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 | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Commercial Borrower
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Consumer Borrower
Loan Portfolio Internal Grading System Classification	0	0
Special Mention | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Loans Receivable
Loan Portfolio Internal Grading System Classification	7,476	8,913
Substandard | Commercial Loan
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	3,056	3,709
Substandard | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Automobile Loan
Loan Portfolio Internal Grading System Classification	607	933
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	524	517
Substandard | Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Substandard | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Subdivision construction
Loan Portfolio Internal Grading System Classification	22	0
Substandard | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	2,634	1,989
Substandard | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	237	181
Substandard | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Substandard | Commercial Borrower
Loan Portfolio Internal Grading System Classification	141	1,236
Substandard | Consumer Borrower
Loan Portfolio Internal Grading System Classification	244	334
Substandard | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	11	14
Doubtful | Loans Receivable
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial Loan
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Automobile Loan
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Land Improvements
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Subdivision construction
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | 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 | Other residential
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Commercial Borrower
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Consumer Borrower
Loan Portfolio Internal Grading System Classification	0	0
Doubtful | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	0	0
Internal Investment Grade Total | Loans Receivable
Loan Portfolio Internal Grading System Classification	5,260,615	5,052,046
Internal Investment Grade Total | Commercial Loan
Loan Portfolio Internal Grading System Classification	1,206,342	1,322,861
Internal Investment Grade Total | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,536,443	1,494,172
Internal Investment Grade Total | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	14,165	13,189
Internal Investment Grade Total | Automobile Loan
Loan Portfolio Internal Grading System Classification	99,284	151,854
Internal Investment Grade Total | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	114,357	118,988
Internal Investment Grade Total | Land Improvements
Loan Portfolio Internal Grading System Classification	40,224	40,431
Internal Investment Grade Total | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	38,503	33,963
Internal Investment Grade Total | Subdivision construction
Loan Portfolio Internal Grading System Classification	10,466	16,088
Internal Investment Grade Total | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	478,113	387,016
Internal Investment Grade Total | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	117,699	120,343
Internal Investment Grade Total | Other residential
Loan Portfolio Internal Grading System Classification	1,018,359	866,006
Internal Investment Grade Total | Commercial Borrower
Loan Portfolio Internal Grading System Classification	439,199	313,209
Internal Investment Grade Total | Consumer Borrower
Loan Portfolio Internal Grading System Classification	41,333	46,720
Internal Investment Grade Total | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	$ 106,128	$ 127,206

NOTE 7_ ACQUIRED LOANS, LOSS _7

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: FDIC Indemnification Asset Policy (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
TeamBank
Gross loans receivable	$ 6,019	$ 7,304
Balance of accretable discount due to change in expected losses	(108)	(159)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(5,882)	(7,118)
Expected loss remaining	29	27
Vantus Bank
Gross loans receivable	8,502	9,899
Balance of accretable discount due to change in expected losses	(40)	(89)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(8,449)	(9,797)
Expected loss remaining	13	13
Sun Security Bank
Gross loans receivable	14,479	17,906
Balance of accretable discount due to change in expected losses	(212)	(374)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(14,163)	(17,392)
Expected loss remaining	104	140
InterBank
Gross loans receivable	49,483	60,430
Balance of accretable discount due to change in expected losses	(1,761)	(5,143)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(46,722)	(54,442)
Expected loss remaining	1,000	845
Valley Bank
Gross loans receivable	32,435	41,032
Balance of accretable discount due to change in expected losses	(815)	(1,803)
FDIC Indemnification Asset Net Carrying Value to Loans Receivable	(30,913)	(38,452)
Expected loss remaining	$ 707	$ 777

NOTE 7_ ACQUIRED LOANS, LOSS _8

NOTE 7: ACQUIRED LOANS, LOSS SHARING AGREEMENTS AND FDIC INDEMNIFICATION ASSETS: Business Acquisition Fair Value and Expected Cash Flows Policy (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Accretable yield adjustment affecting interest income	$ 2,900,000		$ 2,900,000
Remaining accretable yield adjustment affecting interest income	932
Minimum
Reclassification of discounts from non-accretable to accretable (adjustment)	0	$ 0	0	$ 0
Maximum
Reclassification of discounts from non-accretable to accretable (adjustment)	$ 5,100,000	$ 5,100,000	$ 10,400,000	$ 10,400,000

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)	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)$ / shares	Sep. 30, 2019USD ($)$ / shares	Sep. 30, 2020USD ($)$ / shares	Sep. 30, 2019USD ($)$ / shares
Details
Impact of acquired loan pools on net interest income	$ 1,229	$ 2,251	$ 4,632	$ 5,162
Impact of acquired loan pools on net interest margin (in basis points)	9	20	12	15
Net impact of acquired loan pools to pre-tax income	$ 1,229	$ 2,251	$ 4,632	$ 5,162
Net impact of acquired loan pools to net of taxes	$ 949	$ 1,738	$ 3,576	$ 3,985
Impact of acquired loan pools to diluted earnings per common share | $ / shares	$ 0.07	$ 0.12	$ 0.25	$ 0.28

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 ($)	3 Months Ended				9 Months Ended
	Sep. 30, 2020		Sep. 30, 2019		Sep. 30, 2020		Sep. 30, 2019
TeamBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	$ (94)		$ (196)		$ (334)		$ (811)
Change in expected accretable yield	178	[1]	(9)	[1]	179	[2]	600	[2]
TeamBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	918		1,350		1,157		1,356
TeamBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,002		1,145		1,002		1,145
Vantus Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(238)		(259)		(657)		(738)
Change in expected accretable yield	88	[1]	305	[1]	338	[2]	579	[2]
Vantus Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	954		1,227		1,123		1,432
Vantus Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	804		1,273		804		1,273
Sun Security Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(238)		(414)		(831)		(1,195)
Change in expected accretable yield	79	[1]	872	[1]	617	[2]	1,270	[2]
Sun Security Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,893		1,859		1,948		2,242
Sun Security Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	1,734		2,317		1,734		2,317
InterBank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(1,599)		(2,371)		(5,563)		(6,350)
Change in expected accretable yield	808	[1]	2,840	[1]	1,747	[2]	10,290	[2]
InterBank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	5,252		8,465		8,277		4,994
InterBank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	4,461		8,934		4,461		8,934
Valley Bank
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Accretion	(658)		(1,257)		(2,398)		(3,243)
Change in expected accretable yield	92	[1]	1,565	[1]	1,377	[2]	6,032	[2]
Valley Bank | Beginning of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	4,123		5,544		4,578		3,063
Valley Bank | End of Period
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	$ 3,557		$ 5,852		$ 3,557		$ 5,852
[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, 2020, totaling $178,000, $88,000, $79,000, $808,000 and $92,000, respectively, and for the three months ended September 30, 2019, totaling $(21,000), $132,000, $565,000, $(644,000) and $482,000, respectively.
[2]	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 nine months ended September 30, 2020, totaling $179,000, $338,000, $617,000, $1.7 million and $1.4 million, respectively, and for the nine months ended September 30, 2019, totaling $526,000, $406,000, $812,000, $4.0 million and $2.7 million, respectively.

Note 8_ Other Real Estate Own_4

Note 8: Other Real Estate Owned: Schedule of Major Classifications of Foreclosed Assets (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Foreclosed assets acquired through FDIC-assisted transactions, net	$ 446	$ 1,003
Foreclosed assets held for sale and repossessions, net	2,067	4,654
Other real estate owned not acquired through foreclosure	940	871
Other real estate owned and repossessions	3,007	5,525
One- to four-family residential
Foreclosed Assets Held for Sale and Repossessions	0	601
Commercial Loan
Foreclosed Assets Held for Sale and Repossessions	0	0
Commercial Real Estate
Foreclosed Assets Held for Sale and Repossessions	0	0
Land Improvements
Foreclosed Assets Held for Sale and Repossessions	1,075	1,816
One- to four-family residential construction
Foreclosed Assets Held for Sale and Repossessions	0	0
Subdivision construction
Foreclosed Assets Held for Sale and Repossessions	350	689
Other residential
Foreclosed Assets Held for Sale and Repossessions	0	0
Commercial Borrower
Foreclosed Assets Held for Sale and Repossessions	0	0
Consumer Borrower
Foreclosed Assets Held for Sale and Repossessions	$ 196	$ 545

Note 8_ Other Real Estate Own_5

Note 8: Other Real Estate Owned: Other Real Estate Owned Not Acquired Through Foreclosure (Details)	Sep. 30, 2020	Dec. 31, 2019
Details
Other Real Estate Owned (Branches) Held for Sale	7	6

Note 8_ Other Real Estate Own_6

Note 8: Other Real Estate Owned: Loans in Process of Foreclosure (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Mortgage Loans in Process of Foreclosure, Amount	$ 787	$ 1,600,000
Acquired Loans
Mortgage Loans in Process of Foreclosure, Amount	$ 657	$ 1,400,000

Note 8_ Other Real Estate Own_7

Note 8: Other Real Estate Owned (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Mortgage Loans in Process of Foreclosure, Amount	$ 787	$ 1,600,000
Acquired Loans
Mortgage Loans in Process of Foreclosure, Amount	$ 657	$ 1,400,000

Note 8_ Other Real Estate Own_8

Note 8: Other Real Estate Owned: Schedule of Expenses Applicable to Foreclosed Assets (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Net (gain) loss on sales of other real estate owned	$ (348)	$ (250)	$ (450)	$ (659)
Valuation write-downs on foreclosed assets	269	280	482	724
Operating expenses, net of rental income	278	573	914	1,577
Total foreclosed assets expenses	$ 199	$ 603	$ 946	$ 1,642

Note 9_ Premises and Equipmen_5

Note 9: Premises and Equipment: Property, Plant and Equipment (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Details
Land	$ 40,621	$ 40,632
Buildings and improvements	99,553	96,959
Furniture, fixtures and equipment	58,700	56,986
Operating leases right of use asset	8,758	8,668
Less accumulated depreciation	67,130	61,337
Premises and equipment, net	$ 140,502	$ 141,908

Note 9_ Premises and Equipmen_6

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure (Details) - USD ($) $ in Millions	Sep. 30, 2020	Sep. 30, 2019
Details
Finance Lease, Right-of-Use Asset, after Accumulated Amortization	$ 8.8	$ 9.5
Finance Lease, Liability	$ 8.9

Note 9_ Premises and Equipmen_7

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Lease Expense Related to ATMs (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Lease expense related to ATMs	$ 76	$ 71	$ 202	$ 221

Note 9_ Premises and Equipmen_8

Note 9: Premises and Equipment: Lessee, Operating Lease, Disclosure: Expected Lease Terms (Details)	9 Months Ended
	Sep. 30, 2020
Weighted-average lease term	9.5 years
Operating Lease, Weighted Average Discount Rate, Percent	3.24%
Minimum
Lessee Expected Lease Terms	2.8 years
Maximum
Lessee Expected Lease Terms	18.4 years

Note 9_ Premises and Equipmen_9

Note 9: Premises and Equipment: Calculated Amount of Right of Use Assets and Lease Liabilities (Details) - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Financial Condition
Right of Use Asset, Operating Leases		$ 8,758	$ 8,888	$ 8,758	$ 8,888
Liability, Operating Leases		8,869	8,952	8,869	8,952
Statement of Income
Operating Lease Costs Classified as Occupancy and Equipment Expense	[1]	397	344	1,182	1,092
Supplemental Cash Flow Information
Operating Cash Flows from Operating Leases	[2]	$ 391	$ 326	1,149	1,028
Operating leases	[3]			$ 972	$ 9,538
[1]	Operating lease costs classified as occupancy and equipment expense (Includes short-term lease costs and amortization of right of use asset)
[2]	Cash paid for amounts included in the measurement of lease liabilities
[3]	Right of use assets obtained in exchange for lease obligations

Note 9_ Premises and Equipme_10

Note 9: Premises and Equipment: Operating Lease Expense (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Operating Lease, Expense	$ 397	$ 344	$ 1,200,000	$ 1,100,000

Note 9_ Premises and Equipme_11

Note 9: Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Details)	Sep. 30, 2020USD ($)
Details
Operating Leases, Future Minimum Payments, Remainder of Fiscal Year	$ 267
Operating Leases, Future Minimum Payments Due, Next Twelve Months	1,118
Operating Leases, Future Minimum Payments, Due in Two Years	1,116
Operating Leases, Future Minimum Payments, Due in Three Years	1,088
Operating Leases, Future Minimum Payments, Due in Four Years	1,005
Operating Leases, Future Minimum Payments, Due in Five Years	979
Operating Leases, Future Minimum Payments, Due Thereafter	4,926
Operating Lease, Payments	10,499
Interest portion of lease payments	(1,630)
Operating Lease, Liability	$ 8,869

Note 9_ Premises and Equipme_12

Note 9: Premises and Equipment: Lessor Agreements (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Income Recognized From Lessor Agreements	$ 294	$ 289	$ 864	$ 849

Note 10_ Deposits_ Schedule o_2

Note 10: Deposits: Schedule of Deposit Liabilities (Details) - USD ($)		Sep. 30, 2020	Dec. 31, 2019
Deposits		$ 4,443,757	$ 3,960,106
Time Deposits:
Total time deposits (weighted average rate 1.19% and 2.09%)	[1]	1,510,472	1,721,109
Total time deposits (weighted average rate 1.19% and 2.09%)	[1]	1,510,472	1,721,109
Non-interest-bearing demand deposits		881,298	687,068
Non-interest-bearing demand deposits		881,298	687,068
Interest-bearing demand and savings deposits (Weighted average rate 0.29% and 0.55%)	[2]	2,051,987	1,551,929
Interest-bearing demand and savings deposits (Weighted average rate 0.29% and 0.55%)	[2]	2,051,987	1,551,929
Total Deposits		4,443,757	3,960,106
Total Deposits		4,443,757	3,960,106
0.00% - 0.99%
Deposits		649,949	122,649
1.00% - 1.99%
Deposits		657,893	523,816
2.00% - 2.99%
Deposits		183,472	1,053,914
3.00% - 3.99%
Deposits		18,733	19,849
4.00% - 4.99%
Deposits		$ 425	$ 881
[1]	Weighted average rate 1.19% and 2.09%
[2]	Weighted average rate 0.29% and 0.55%

Note 11_ Advances From Federa_2

Note 11: Advances From Federal Home Loan Bank (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
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 ($)	Sep. 30, 2020	Dec. 31, 2019
Details
Notes payable - Community Development Equity Funds	$ 1,218	$ 1,267
Other interest-bearing liabilities	0	30,890
Other Short-term Borrowings	0	196,000
Securities for Reverse Repurchase Agreements	155,042	84,167
Short-term debt recorded value	$ 156,260	$ 312,324

Note 12_ Securities Sold Unde_5

Note 12: Securities Sold Under Reverse Repurchase Agreements and Short-term Borrowings: Schedule of Repurchase Agreements (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Maturity Overnight and on Demand | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Securities Sold under Agreements to Repurchase, Fair Value of Collateral	$ 155,042	$ 84,167

Note 13_ Subordinated Notes (De

Note 13: Subordinated Notes (Details) - USD ($)	Aug. 08, 2016	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
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)		$ 186	$ 109	$ 428	$ 326
Subordinated Borrowing, Interest Rate		5.85%
Senior Subordinated Notes
Proceeds from Issuance of Senior Long-term Debt	$ 73,500,000
Payment of Financing and Stock Issuance Costs	$ 1,500,000

Note 13_ Subordinated Notes_ _2

Note 13: Subordinated Notes: Schedule of Subordinated Borrowing (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Details
Subordinated Notes Before Costs	$ 150,000	$ 75,000
Unamortized Debt Issuance Expense	1,783	724
Subordinated Debt	$ 148,217	$ 74,276

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, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
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	(0.60%)	(0.50%)	(0.50%)	(0.50%)
Effective Income Tax Rate Reconciliation, Tax Credit, Percent	(3.80%)	(3.90%)	(3.90%)	(4.20%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	5.00%	1.00%	1.60%	1.20%
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	(0.10%)	(0.10%)	0.60%	0.10%
Effective Income Tax Rate Reconciliation, Percent	21.50%	17.50%	18.80%	17.60%

Note 15_ Disclosures About F_17

Note 15: Disclosures About Fair Value of Financial Instruments: Fair Value, Assets Measured on Recurring Basis (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Recurring Assets, Fair Value Disclosure	$ 171,458	$ 165,042
Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	185,091	151,950
US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	67,683	35,125
Small Business Administration securities
Recurring Assets, Fair Value Disclosure	21,708	22,058
Interest Rate Derivative Asset
Recurring Assets, Fair Value Disclosure	6,193	31,476
Interest Rate Derivative Liability
Recurring Assets, Fair Value Disclosure	(6,744)	(1,547)
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 | Small Business Administration 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	171,458	165,042
Fair Value, Inputs, Level 2 | Collateralized Mortgage Obligations
Recurring Assets, Fair Value Disclosure	185,091	151,950
Fair Value, Inputs, Level 2 | US States and Political Subdivisions Debt Securities
Recurring Assets, Fair Value Disclosure	67,683	35,125
Fair Value, Inputs, Level 2 | Small Business Administration securities
Recurring Assets, Fair Value Disclosure	21,708	22,058
Fair Value, Inputs, Level 2 | Interest Rate Derivative Asset
Recurring Assets, Fair Value Disclosure	6,193	31,476
Fair Value, Inputs, Level 2 | Interest Rate Derivative Liability
Recurring Assets, Fair Value Disclosure	(6,744)	(1,547)
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 | Small Business Administration 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 ($)	Sep. 30, 2020	Dec. 31, 2019
Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure	$ 3,447	$ 635
Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	1,507	1,112
Fair Value, Inputs, Level 1 | Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | 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 3 | Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure	3,447	635
Fair Value, Inputs, Level 3 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure	$ 1,507	$ 1,112

Note 15_ Disclosures About F_19

Note 15: Disclosures About Fair Value of Financial Instruments: Schedule Of Financial Instruments Fair Value (Details)	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Unrecognized financial instruments (net of contractual value) | Commitments to Originate Loans
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) | Letter of Credit
Financial Instruments Owned Carrying Amount	$ 61	$ 109
Financial Instruments, Owned, at Fair Value	$ 61	$ 109
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
Financial Assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 4,413,764	$ 4,153,982
Financial Instruments, Owned, at Fair Value	$ 4,422,175	$ 4,129,984
Fair Value Hierarchy Level	3	3
Financial Assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 338,266	$ 220,155
Financial Instruments, Owned, at Fair Value	$ 338,266	$ 220,155
Fair Value Hierarchy Level	1	1
Financial Assets | Mortgage loans held for sale
Financial Instruments Owned Carrying Amount	$ 23,973	$ 9,242
Financial Instruments, Owned, at Fair Value	$ 23,973	$ 9,242
Fair Value Hierarchy Level	2	2
Financial Assets | Interest Receivable
Financial Instruments Owned Carrying Amount	$ 14,139	$ 13,530
Financial Instruments, Owned, at Fair Value	$ 14,139	$ 13,530
Fair Value Hierarchy Level	3	3
Financial Assets | Investment in FHLBank stock and other interest-earning assets
Financial Instruments Owned Carrying Amount	$ 11,036	$ 13,473
Financial Instruments, Owned, at Fair Value	$ 11,036	$ 13,473
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	$ 148,217	$ 74,276
Financial Instruments, Owned, at Fair Value	$ 153,844	$ 76,875
Fair Value Hierarchy Level	2	2
Financial Liabilities | Deposits
Financial Instruments Owned Carrying Amount	$ 4,443,757	$ 3,960,106
Financial Instruments, Owned, at Fair Value	$ 4,454,083	$ 3,963,875
Fair Value Hierarchy Level	3	3
Financial Liabilities | Short-term Debt
Financial Instruments Owned Carrying Amount	$ 156,260	$ 312,324
Financial Instruments, Owned, at Fair Value	$ 156,260	$ 312,324
Fair Value Hierarchy Level	3	3
Financial Liabilities | Interest Payable
Financial Instruments Owned Carrying Amount	$ 2,859	$ 4,250
Financial Instruments, Owned, at Fair Value	$ 2,859	$ 4,250
Fair Value Hierarchy Level	3	3

Note 16_ Derivatives and Hedg_9

Note 16: Derivatives and Hedging Activities: Cash Flow Hedges (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Details
Interest Rate Swap Interest Income	$ 2,000,000	$ 801	$ 5,600,000	$ 1,900,000
Noninterest income related to changes in the fair value of derivative	0	$ 0	$ 0	$ 0
Noninterest income related to changes in the fair value of derivative	$ 45,900,000

Note 16_ Derivatives and Hed_10

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments in Statement of Financial Position, Fair Value (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Derivatives Designated as Hedging Instruments	$ 0	$ 30,056
Derivative Asset
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	6,193	1,420
Derivative Liability
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	6,744	1,547
Interest Rate Swap | Prepaid Expenses and Other Current Assets
Derivatives Designated as Hedging Instruments	0	30,056
Interest Rate Products | Prepaid Expenses and Other Current Assets
Derivative Asset
Derivative Instruments Not Designated as Hedging Instruments, Asset, at Fair Value	6,193	1,420
Interest Rate Products | Accrued Expenses and Other Liabilities
Derivative Liability
Derivative Instruments Not Designated as Hedging Instruments, Liability, at Fair Value	$ 6,744	$ 1,547

Note 16_ Derivatives and Hed_11

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Amount of Gain (Loss) Recognized in Accumulated Other Comprehensive Income | Interest Rate Swap
Effect of derivative instruments on the statements of comprehensive income	$ (1,581)	$ 4,461	$ 8,271	$ 18,789

Note 16_ Derivatives and Hed_12

Note 16: Derivatives and Hedging Activities: Schedule of Derivative Instruments, Effect on Statements of Operations (Details) - Interest Rate Swap - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest Income
Effect of cash flow hedge accounting on the statements of operations	$ 2,047	$ 801	$ 5,629	$ 1,881
Interest Expense
Effect of cash flow hedge accounting on the statements of operations	$ 0	$ 0	$ 0	$ 0

Note 16_ Derivatives and Hed_13

Note 16: Derivatives and Hedging Activities: Agreements with Derivative Counterparties (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Balance Sheet Hedge
Derivative Counterparties Collateral	$ 6.7	$ 30.9
Net Liability Position | Loan Level Swap | Commercial Lending Customer
Termination Value of Derivatives With Derivative Dealer Counterparties	$ 6.7	1.1
Net Asset Position | Balance Sheet Hedge
Termination Value of Derivatives With Derivative Dealer Counterparties		$ 30.1