Southern Bancorp Bank

Southern Bancorp Bank is headquartered in Arkadelphia and is the 8^th largest bank in the state of Arkansas. It is also the 581^st largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 313 employees at 40 locations. Southern Bancorp Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Southern Bancorp Bank FDIC Certificate # 1528 BankRate Report View Year Established 1884 Employees 313 Primary Regulator FED Assets and Liabilities Assets $1.13 billion Loans $592.30 million Deposits $950.53 million Equity Capital $119.62 million Loan Loss Allowance $8.07 million Unbacked Noncurrent Loans $9.17 million Real Estate Owned $6.91 million Historic Data - March 2011 Assets $1.09 billion Equity Capital $113.49 million Loan Loss Allowance $7.42 million Unbacked Noncurrent Loans $12.92 million Real Estate Owned $3.46 million Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0.71% Return on Equity 6.78% Interest Income $11.01 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Southern Bancorp Bank had $16.08 million in non-current loans and owned real-estate with $127.68 million in equity and loan loss allowances on hand to cover it. This gives Southern Bancorp Bank a Texas Ratio of 12.59% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Southern Bancorp Bank held steady from 13.43% as of March 31, 2011 to 12.59% as of March 31, 2012, resulting in a positive change of 6.27%.This indicates that the balance sheet and financial strength for Southern Bancorp Bank has held steady in recent periods. Deposit Growth In the past year, Southern Bancorp Bank has increased its total deposits by $34.83 million, resulting in 3.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Southern Bancorp Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Southern Bancorp Bank has $1.13 billion in assets with $127.68 million in equity, resulting in a capitalization level of 11.30%, which is above average.

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