XML 64 R97.htm IDEA: XBRL DOCUMENT v3.2.0.727
Note 13: Stockholders' Equity and Regulatory Capital (Tables)
12 Months Ended
Jun. 30, 2015
Notes  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations


   
Actual
   
For Capital Adequacy Purposes
   
To Be Well Capitalized
Under Prompt Corrective
Action Provisions
 
As of June 30, 2015
 
Amount
   
Ratio
   
Amount
   
Ratio
   
Amount
   
Ratio
 
(dollars in thousands)
 
 
 
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
%
                                                 
   
Actual
   
For Capital Adequacy Purposes
   
To Be Well Capitalized
Under Prompt Corrective
Action Provisions
 
As of June 30, 2014
 
Amount
   
Ratio
   
Amount
   
Ratio
   
Amount
   
Ratio
 
(dollars in thousands)
 
 
 
Total Capital (to Risk-Weighted Assets)
                                               
Consolidated
 
$
125,930
     
16.38
%
 
$
61,522
     
8.00
%
   
n/
a
   
n/
a
Southern Bank
   
114,811
     
15.07
%
   
60,968
     
8.00
%
   
76,211
     
10.00
%
Tier I Capital (to Risk-Weighted Assets)
                                               
Consolidated
   
116,314
     
15.12
%
   
30,762
     
4.00
%
   
n/
a
   
n/
a
Southern Bank
   
105,281
     
13.81
%
   
30,484
     
4.00
%
   
45,726
     
6.00
%
Tier I Capital (to Average Assets)
                                               
Consolidated
   
116,314
     
11.71
%
   
39,743
     
4.00
%
   
n/
a
   
n/
a
Southern Bank
   
105,281
     
10.69
%
   
39,379
     
4.00
%
   
49,224
     
5.00
%