Southern Bank in Poplar Bluff, Missouri (MO), AR
Overview, Financial Summary, Detailed Financial Reports, Branches

Southern Bank - Overview

  • General
  • FDIC Certificate #: 28332
    Status: Active
    Federal Reserve ID: 272272
    Bank Holding Company (Regulatory Top Holder): Southern Missouri Bancorp, Inc. (RSSDID: 3266227, Location: Poplar Bluff, MO)
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 19 (Domestic: 19, Interstate: Yes)
    OTS Docket #: 1386
    FDIC's unique #: 41166
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 03, 1951
    Last Structure Change Effective Date: December 17, 2010
    Last Structure Change Process Date: December 20, 2010
    Last Data Update: December 20, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 531 Vine Street, Poplar Bluff, MO 63901
    County: Butler
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Poplar Bluff, MO (#38740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $773.3 mil
    Equity capital: $75.7 mil
    Deposits held in domestic offices: $630.2 mil
    Return on assets (ROA): 1.47% ($11.4 mil)
    Quarterly return on assets: 1.48% ($11.4 mil)
    Return on Equity (ROE): 16.01% ($12.2 mil)
    Quarterly return on equity: 14.80% ($11.2 mil)
    Net income: $10.5 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 2.16% ($16,702.5 mil)
    Quarterly Pretax return on assets: 2.17% ($16,779.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 172Total employees (full-time equivalent)
  • $773,263Total assets
  • $119,377Cash and due from depository institutions
  • $105,753Interest-bearing balances
  • $74,549Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $542,711Net loans & leases
  • $7,047Loan loss allowance
  • $0Trading account assets
  • $10,404Bank premises and fixed assets
  • $1,268Other real estate owned
  • $1,666Goodwill and other intangibles
  • $773,263Life insurance assets
  • $23,288All other assets
  • $697,589Total liabilities and capital
  • $630,157Total liabilities
  • $591,445Total deposits
  • $630,157Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 29949.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $33,500Trading liabilities
  • $0Other borrowed funds
  • $3,983Subordinated debt
  • $75,674All other liabilities
  • $75,674Total equity capital
  • $75,674Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $33,366Surplus
  • $42,307Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,417Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $406Income earned, not collected on loans
  • $0Earning assets
  • $4,280Long-term assets (5+ years)
  • $723,013Average Assets, year-to-date
  • $209,608Average Assets, quarterly
  • $714,465Volatile liabilities
  • $745,847Insider loans
  • $512,419FHLB advances
  • $739,634Loans and leases held for sale
  • $8,257Unused loan commitments
  • $8,257Tier 1 (core) risk-based capital
  • $73,223Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $72,220Restructured Loans and leases
  • $11,830Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,608Total interest income
  • $10,886Total interest expense
  • $29,722Net interest income
  • $2,331Provision for loan and lease losses
  • $3,907Total noninterest income
  • $0Fiduciary activities
  • $1,619Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,288Additional noninterest income
  • $15,866Total noninterest expense
  • $8,630Salaries and employee benefits
  • $1,700Premises and equipment expense
  • $5,536Additional noninterest expense
  • $15,432Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,940Applicable income taxes
  • $10,492Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,492Net income attributable to bank
  • $0Net charge-offs
  • $10,492Cash dividends
  • $584Sale, conversion, retirement of capital stock, net
  • $2,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.05%Yield on earning assets
  • 1.62%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 1.47%Net operating income to assets
  • 1.47%Return on assets (ROA)
  • 2.16%Pretax return on assets
  • 16.01%Return on equity (ROE)
  • 12.04%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 399.14%Credit loss provision to net charge-offs
  • 30.42%Efficiency ratio
  • 45,940Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.78%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 1735.71%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 86.12%Net loans and leases to core deposits
  • 93.45%Equity capital to assets
  • 9.79%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 14.29%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $714,465Average earning assets
  • $65,541Average equity
  • $671,225Average loans

List of branches

  • 8 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    10878241Southern Bank Of Commerce Branch1727 West Kingshighway, Paragould, AR 72451November 17, 1999Full Service Brick and Mortar
    109359746East Nettleton Avenue Branch2775 East Nettleton Avenue, Jonesboro, AR 72401Febuary 12, 2001Full Service Brick and Mortar
    110419382Brookland Branch601 North Holman, Brookland, AR 72417April 22, 2003Full Service Brick and Mortar
    111430016Leachville Office Branch100 N. Main St., Leachville, AR 72438January 22, 2004Full Service Brick and Mortar
    112437822First Southern Bank Branch1583 South St. Louis Street, Batesville, AR 72501August 01, 2005Full Service Brick and Mortar
    113467255Searcy Loan Production Office2930 East Moore Avenue, Suite C, Searcy, AR 72143July 15, 2007Limited Service Loan Production
    114495147Searcy Branch500 East Race Street, Searcy, AR 72143October 05, 2009Full Service Brick and Mortar
    115510136First Southern Bank10825 Financial Centre Parkway, Little Rock, AR 72211June 28, 2010Limited Service Loan Production
  • 11 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041166Southern Bank531 Vine Street, Poplar Bluff, MO 63901January 01, 1887Full Service Brick and Mortar
    1266838Business 60 W Branch713 Business 60 West, Dexter, MO 63841January 01, 1887Full Service Brick and Mortar
    344158Kenneth Downtown Branch301 First Street, Kennett, MO 63857January 01, 1962Full Service Brick and Mortar
    4266840302 Washington Street302 Washington, Doniphan, MO 63935January 01, 1887Full Service Brick and Mortar
    10043781Hwy 60 Branch502 Main Street, Van Buren, MO 63965January 01, 1953Full Service Brick and Mortar
    102266842Hwy 67 North Branch1330 Highway 67 North, Poplar Bluff, MO 63901June 30, 1989Full Service Brick and Mortar
    103189969Qulin FacilityHighways 53 And Y, Qulin, MO 63961November 21, 1977Full Service Brick and Mortar
    105360309Pp/Highway/township Line Road Branch4214 Highway Pp, Poplar Bluff, MO 63901May 07, 2001Full Service Brick and Mortar
    106453566Sikeston Office Branch1205 S Main, Sikeston, MO 63801January 18, 2006Full Service Brick and Mortar
    107493141Matthews Branch100 W Main, Matthews, MO 63867June 30, 2009Full Service Brick and Mortar
    116522247Southern Bank Springfield4650 S. National Avenue, Suite C-4, Springfield, MO 65810August 15, 2011Full Service Brick and Mortar

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