Note 13: Stockholders' Equity and Regulatory Capital: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Tables)

12 Months Ended

Jun. 30, 2016

Tables/Schedules

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

					To Be Well Capitalized
					Under Prompt Corrective
(dollars in thousands)	Actual		For Capital Adequacy  Purposes		Action Provisions
As of June 30, 2016	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital (to Risk-Weighted Assets)
Consolidated	$148,597	11.95%	$99,441	8.00%	n/a	n/a
Southern Bank	142,983	11.50%	99,463	8.00%	124,328	10.00%
Tier I Capital (to Risk-Weighted Assets)
Consolidated	134,061	10.79%	74,581	6.00%	n/a	n/a
Southern Bank	128,447	10.33%	74,597	6.00%	99,463	8.00%
Tier I Capital (to Average Assets)
Consolidated	134,061	9.75%	55,010	4.00%	n/a	n/a
Southern Bank	128,447	9.37%	54,827	4.00%	68,534	5.00%
Common Equity Tier I Capital (to Risk-Weighted Assets)
Consolidated	119,715	9.63%	55,936	4.50%	n/a	n/a
Southern Bank	128,447	10.33%	55,948	4.50%	80,813	6.50%

					To Be Well Capitalized
					Under Prompt Corrective
(dollars in thousands)	Actual		For Capital Adequacy  Purposes		Action Provisions
As of June 30, 2015	Amount	Ratio	Amount	Ratio	Amount	Ratio
Total Capital (to Risk-Weighted Assets)
Consolidated	$154,171	14.22%	$86,708	8.00%	n/a	n/a
Southern Bank	149,744	13.82%	86,708	8.00%	108,384	10.00%
Tier I Capital (to Risk-Weighted Assets)
Consolidated	141,168	13.02%	65,031	6.00%	n/a	n/a
Southern Bank	136,741	12.62%	65,031	6.00%	86,708	8.00%
Tier I Capital (to Average Assets)
Consolidated	141,168	10.98%	51,412	4.00%	n/a	n/a
Southern Bank	136,741	10.65%	51,362	4.00%	64,203	5.00%
Common Equity Tier I Capital (to Risk-Weighted Assets)
Consolidated	107,040	9.88%	57,838	4.50%	n/a	n/a
Southern Bank	136,741	12.62%	57,783	4.50%	83,464	6.50%