Thisdoes Baltimore Orioles not affect a large number of customers as

Thisdoes deduces baseball tickets not affect miguel tejada autographed baseballs recalls a large number of customers as a majority of the loans indexedto "Great Southern prime" are already at interest rate floors which areprovided for in individual loan documents. At its most recent meeting on June24, 2009, the Federal Reserve Board elected to leave the Federal Funds rateunchanged and did not indicate that rate changes are imminent.Including the impact of the accounting entries recorded for certain interestrate swaps, net interest income for the first six months of 2009 increased$3.3 million to $39.3 million compared to $36.0 million for the first sixmonths of 2008. Some of these loans are tied to some national index of"prime," while most are indexed to "Great Southern prime." The Company haselected to leave its "prime rate" of interest at 5.00% in light of the currenthighly competitive funding environment for deposits and wholesale funds. In addition,the net interest margin improved as a result of increased yield on theCompany's loan portfolio primarily due to the loans added at their fair marketvalue from the FDIC-assisted transaction.The Federal Reserve most recently cut interest rates on December 16, 2008.Great Southern has a significant portfolio of loans which are tied to a "primerate" of interest. The average balanceof cash and cash equivalents in the three and six months ended June 30, 2009,was $410 million and $355 million, respectively.As a result of redeeming and replacing some of these brokered deposits, theCompany's net interest margin was 3.00% in the three months ended June 30,2009, compared to 2.81% in the three months ended March 31, 2009.

The Company decided the higher rate was justified by thelonger term and the ability to keep committed funding lines availablethroughout 2008 and into 2009 oriole park at yards . Excess funds were invested in short-term cashequivalents at rates that resulted in a negative spread miguel tejada autograph . These longer-term certificates carry an interest ratethat is approximately 200 to 300 basis points higher than the interest ratethat the Company would have paid if it instead utilized short-term advancesfrom the FHLBank earl weaver autograph . There are no interest rate swaps associated with any of thesebrokered certificates oriole park tickets .

In additionduring 2008, the Company issued approximately $137 million of new brokeredcertificates, which are fixed rate certificates with maturity terms ofgenerally two to four years, which the Company may not redeem prior tomaturity brian roberts autographed baseball . At June 30, 2009, the Company had $167 millionof callable deposits remaining, and has redeemed or is in the process ofredeeming $67 million of this amount subsequent to June 30, 2009 baseball . As market interest rates on these types of deposits have decreasedin recent months, the Company has redeemed or replaced many of thesecertificates in 2009 in order to lock in cheaper funding rates and to reducesome of its excess liquidity baseball ticket . In2008, the Company issued approximately $359 million of new brokered depositswhich are fixed rate certificates with maturity terms of generally two to fouryears, which the Company (at its discretion) may redeem at par generally aftersix months rick dempsey autographed baseball . In 2008, the Company decided to increase the amount oflonger-term brokered certificates of deposit during 2008 to provide liquidityfor operations and to maintain in reserve its available secured funding lineswith the Federal Home Loan Bank (FHLBank) and the Federal Reserve Bank. The average interest rate spread was 2.99% in the threemonths ended June 30, 2009, compared to 2.82% in the three months ended June30, 2008. In addition, the average interest rate spread increased compared tothe average interest rate spread of 2.69% in the three months ended March 31,2009.On June 30, 2009, the interest rate spread was 3.28%.The Company's net interest margin decreased compared to the same quarter inthe prior year; however, the net interest margin increased from the quarterended March 31, 2009.

Net interest margin excluding the effects of the accounting changewas 3.04% in the quarter ended June 30, 2009, compared to 3.23% in the quarterended June 30, 2008 miguel tejada signed baseball . Excluding the impact of the accounting entries recorded for certaininterest rate swaps (amortization of deposit broker origination fees),economically, net interest income for the second quarter of 2009 increased$3.0 million to $22.1 million compared to $19.1 million for the second quarterof 2008 world baseball series . Net interest margin was 3.00% in the quarter ended June 30, 2009,compared to 3.07% in the same period in 2008, a decrease of seven basispoints miguel tejada autographed baseballs . This conversion will allow all Great Southern and formerTeamBank customers to conduct business and have access to consistent productsand services at all banking centers throughout the Great Southern franchise.Upon completion of the operational integration, back office support functionswill be consolidated with anticipated operational efficiencies realized infuture periods.NET INTEREST INCOMEIncluding the impact of the accounting entries recorded for certain interestrate swaps, net interest income for the second quarter of 2009 increased $3.7million to $21.8 million compared to $18.1 million for the second quarter of2008 miguel tejada autograph . At the end of business on July 24, 2009, theCompany is merging the former TeamBank operational systems into GreatSouthern's systems. The Company provided significant details about this transaction in itsCurrent Report on Form 8-K/A issued on June 5, 2009.Since the March acquisition, customer deposits have remained stable with acurrent retention rate of 98%.

Acquisition costs ofthe buildings will be based on current appraisals and determined at a laterdate miguel tejada autographed baseball . The Company anticipates buying all primarybanking center buildings available for purchase from the FDIC, except theLee's Summit office, which was closed on July 17, 2009 earl weaver autograph . We have begun to actively redeem or replace someof these brokered certificates to take advantage of cheaper funding rates oriole park tickets . The loans, commitments and ORE purchased are covered by a lossshare agreement between the FDIC and Great Southern which affords GreatSouthern significant protection . As part of ourliquidity strategy, in 2008 we increased longer-term brokered certificates ofdeposit by $359 million to provide liquidity for operations and to maintain inreserve our available secured funding lines with the Federal Home Loan Bankand the Federal Reserve Bank. In addition,CDARS(R) customer account balances grew $84.9 million from March 31, 2009."Our net interest margin increased from the March 31, 2009 quarter as a resultof changes in our liability mix and increased yield on loans. In addition, the Company also saw gains incommercial real estate balances from the end of 2008."Core deposit growth was up slightly in the second quarter.Core deposits(excluding national and brokered certificates of deposit) increased $75.5million from the previous quarter with increases primarily innon-interest-bearing checking and certificates of deposit.