0000927089-11-000146.txt : 20120109 0000927089-11-000146.hdr.sgml : 20120109 20110624173552 ACCESSION NUMBER: 0000927089-11-000146 CONFORMED SUBMISSION TYPE: S-1/A PUBLIC DOCUMENT COUNT: 6 FILED AS OF DATE: 20110627 DATE AS OF CHANGE: 20111116 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SOUTHERN MISSOURI BANCORP INC CENTRAL INDEX KEY: 0000916907 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 431665523 STATE OF INCORPORATION: MO FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: S-1/A SEC ACT: 1933 Act SEC FILE NUMBER: 333-174113 FILM NUMBER: 11931518 BUSINESS ADDRESS: STREET 1: 531 VINE ST CITY: POPLAR BLUFF STATE: MO ZIP: 63901 BUSINESS PHONE: 5737851421 MAIL ADDRESS: STREET 1: 531 VINE STREET CITY: POPLAR BLUFF STATE: MO ZIP: 63901 S-1/A 1 smbc-s10611.htm smbc-s10611.htm
As filed with the Securities and Exchange Commission on June 24, 2011
Registration No. 333-174113

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549

PRE-EFFECTIVE AMENDMENT NO. 1 TO
FORM S-1

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

SOUTHERN MISSOURI BANCORP, INC.
(Exact name of registrant as specified in its charter)

Missouri
 
6022
 
43-1665523
(State or other jurisdiction of
incorporation or organization)
 
(Primary Standard Industrial
Classification Code Number)
 
(I.R.S. Employer Identification No.)

531 Vine Street, Poplar Bluff, Missouri 63901
(573) 778-1800
(Address, including zip code, and telephone number, including area code, of registrant's principal executive offices)

Greg A. Steffens, President and Chief Executive Officer
531 Vine Street, Poplar Bluff, Missouri 63901
(573) 778-1800
(Name, address, including zip code, and telephone number, including area code, of agent for service)

Copies to:

Martin L. Meyrowitz, P.C.
Kevin M. Houlihan, Esq.
Craig M. Scheer, P.C.
William H. Levay, Esq.
SILVER, FREEDMAN & TAFF, L.L.P.
PATTON BOGGS LLP
(a limited liability partnership including professional corporations)
2550 M Street, N.W.
3299 K Street, N.W., Suite 100
Washington, D.C.  20037
Washington, DC  20007
(202) 457-6000
(202) 295-4500
 

Approximate date of commencement of proposed sale to the public:  As soon as practicable after this Registration Statement
becomes effective.  

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933 check the following box. [  ]

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [  ]

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [  ]

If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. [  ]

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.  See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-­2 of the Exchange Act. (Check one):

Large accelerated filer [  ]
Accelerated filer [  ]
Non-accelerated filer [  ]
Smaller reporting company [X]
   
(Do not check if a smaller reporting company)
 


CALCULATION OF REGISTRATION FEE

Title of Each Class
of Securities to be Registered
 
Proposed Maximum
Aggregate
Offering Price
 
Amount of
Registration
Fee
 
Common Stock, par value $.01 per share
$28,750,000 (1) (2)
$3,338 (3)
_______________________
(1)  Estimated solely for the purpose of calculating the registration fee pursuant to Rule 457(o) under the Securities Act.
(2)  Includes the offering price of shares that the underwriter has the option to purchase to cover over-allotments, if any.
(3)  Previously paid.
 
The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.

 
 
 
 


The information in this prospectus is not complete and may be changed. We may not sell these securities until the registration statement filed with the Securities and Exchange Commission is effective. This prospectus is not an offer to sell these securities and it is not soliciting an offer to buy these securities in any state where the offer or sale is not permitted.

SUBJECT TO COMPLETION, DATED ___________, 2011

PRELIMINARY PROSPECTUS

 [•] Shares
Common Stock

We are offering [•] shares of our common stock, par value $0.01 per share, which is equal to ____% of our total outstanding shares of common stock as of ______, 2011 , at a price of $[•] per share. Our common stock is currently listed on the Nasdaq Global Market under the symbol “SMBC.”  On __________, 2011, the last reported sale price of our common stock on the Nasdaq Global Market was $____ per share.

Investing in our common stock involves risks. See “Risk Factors” beginning on page 12 of this prospectus to read about risks you should carefully consider before making your investment decision.

 
Per Share
 
Total
           
Public offering price
$
   
$
 
Underwriting discounts and commissions(1)
         
Proceeds to us, before expenses
         
_____________
(1)
See “Underwriting” beginning on page ___ for disclosure regarding the underwriting discounts and expenses payable to the underwriter by us.

The shares of common stock are being offered through the underwriter on a firm commitment basis.   We have granted the underwriter a 30 day option to purchase up to [•] additional shares of common stock at the same price, and on the same terms, solely to cover over-allotments, if any.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus. Any representation to the contrary is a criminal offense.

The shares of common stock are not savings accounts, deposits or other obligations of our bank subsidiary or any of our non-banking subsidiaries and are not insured by the Federal Deposit Insurance Corporation or any other government agency.

The underwriter expects to deliver the shares of common stock in book-entry form only, through the facilities of The Depository Trust Company, against payment on or about [•], 2011, subject to customary closing conditions.

 
 

The date of this prospectus is [•], 2011

 
 
 
 
 


 
 
 
 

TABLE OF CONTENTS
Page
FORWARD-LOOKING STATEMENTS
ii
   
ABOUT THIS PROSPECTUS
iii
   
PROSPECTUS SUMMARY
1
   
RISK FACTORS
13
   
USE OF PROCEEDS
25
   
CAPITALIZATION
26
   
MARKET FOR COMMON STOCK AND DIVIDEND INFORMATION
27
   
DESCRIPTION OF CAPITAL STOCK
28
   
UNDERWRITING
36
   
LEGAL MATTERS
39
   
EXPERTS
39
   
WHERE YOU CAN FIND MORE INFORMATION
40
   
INCORPORATION OF CERTAIN INFORMATION BY REFERENCE
40
 
 

 
i
 
 


FORWARD-LOOKING STATEMENTS
 
This prospectus and the documents incorporated by reference may contain forward-looking statements.  Forward-looking statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “forecasts,” “intends,” “plans,” “targets,” “potentially,” “probably,” “projects,” “outlook” or similar expressions or future or conditional verbs such as “may,” “will,” “should,” “would” and “could.” These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause the actual results to differ materially from the forward-looking statements, including:
 
 
·
the strength of the United States economy in general and the strength of the local economies in which we conduct operations;
 
 
·
fluctuations in interest rates and in real estate values;
 
 
·
monetary and fiscal policies of the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) and the U.S. Government and other governmental initiatives affecting the financial services industry;
 
 
·
the risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses;
 
 
·
our ability to access cost-effective funding;
 
 
·
the timely development of and acceptance of our new products and services and the perceived overall value of these products and services by users, including the features, pricing and quality compared to competitors' products and services;
 
 
·
expected cost savings, synergies and other benefits from the Company’s merger and acquisition activities might not be realized within the anticipated time frames or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected;
 
 
·
fluctuations in real estate values and both residential and commercial real estate market conditions;
 
 
·
demand for loans and deposits in our market area;
 
 
·
legislative or regulatory changes that adversely affect our business;
 
 
·
results of examinations of us by our regulators, including the possibility that our regulators may, among other things, require us to increase our reserve for loan losses or to write-down assets;
 
 
·
the impact of technological changes; and
 
 
·
our success at managing the risks involved in the foregoing
 

 
ii
 
 

 
 
Some of these and other factors are discussed in this prospectus under the caption “Risk Factors” and elsewhere in this prospectus and in the incorporated documents.  The development of any or all of these factors could have an adverse impact on our financial position and our results of operations.
 
Any forward-looking statements are based upon management’s beliefs and assumptions at the time they are made. We undertake no obligation to publicly update or revise any forward-looking statements included or incorporated by reference in this prospectus or to update the reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed in this prospectus or the incorporated documents might not occur, and you should not put undue reliance on any forward-looking statements.
 
ABOUT THIS PROSPECTUS
 
You should rely only on the information contained in or incorporated by reference into this prospectus and any “free writing prospectus” we authorize to be delivered to you. We have not, and the underwriter has not, authorized anyone to provide you with additional information or information different from that contained in or incorporated by reference into this prospectus and any “free writing prospectus.” If anyone provides you with different or inconsistent information, you should not rely on it. To the extent information in this prospectus and any “free writing prospectus” is inconsistent with any of the documents incorporated by reference into this prospectus and any “free writing prospectus,” you should rely on this prospectus and any “free writing prospectus.” We are offering to sell, and seeking offers to buy, our common stock only in states where those offers and sales are permitted. You should assume that the information contained in or incorporated by reference into this prospectus and any “free writing prospectus” is accurate only as of their respective dates. Our business, financial condition, results of operations and prospects may have changed since those dates.

You should read this prospectus, all of the information incorporated by reference into this prospectus and the additional information about us described in the section entitled “Where You Can Find More Information” before making your investment decision. In this prospectus, we rely on and refer to information and statistics regarding the banking industry and the banking market in Missouri and Arkansas. We obtained this market data from independent publications or other publicly available information.

No action is being taken in any jurisdiction outside the United States to permit a public offering of our common stock or possession or distribution of this prospectus in that jurisdiction. Persons who come into possession of this prospectus in jurisdictions outside the United States are required to inform themselves about, and to observe, any restrictions as to the offering and the distribution of this prospectus applicable to those jurisdictions.

Unless otherwise expressly stated or the context otherwise requires, all information in this prospectus assumes that the underwriter will not exercise its option to purchase additional shares of our common stock to cover over-allotments, if any.

As used in this prospectus, the terms “we,” “our,” “us,” “Southern Missouri Bancorp,” and the “Company” refer to Southern Missouri Bancorp, Inc. and its consolidated subsidiaries, unless the context indicates otherwise. References to “Southern Bank” or the “Bank” refer to Southern Bank, a wholly owned subsidiary of Southern Missouri Bancorp, Inc.

 
iii
 
 

PROSPECTUS SUMMARY
 
This summary highlights information contained elsewhere in, or incorporated by reference into, this prospectus. As a result, it does not contain all of the information that may be important to you or that you should consider before investing in our common stock. Before making an investment decision, you should read this entire prospectus, including the “Risk Factors” section, and the documents incorporated by reference into this prospectus, which are described below under “Incorporation of Certain Information by Reference.”
 
Company Overview
 
We are a Missouri corporation headquartered in Poplar Bluff, Missouri, and serve as the holding company for Southern Bank, a Missouri-chartered trust company with bank powers organized in 1887.  We are a growth-oriented, community-based financial services company that strives to provide financial solutions to the markets and clients that we serve based on their unique circumstances and needs. Our services are provided through the Bank’s system of 16 banking offices, located in Poplar Bluff (3), Van Buren, Dexter, Kennett, Doniphan, Qulin, Sikeston and Matthews, Missouri, and Paragould, Jonesboro, Brookland, Leachville, Batesville and Searcy, Arkansas, and two loan production offices located in Springfield, Missouri, and Little Rock, Arkansas.  We offer a broad range of commercial banking services to our business and professional clients, as well as full service consumer banking services to individuals living and/or working in our primary market areas.  We are registered as a bank holding company under the Bank Holding Company Act of 1956, as amended.
 
Our common stock is listed on the Nasdaq Global Market under the symbol “SMBC.”
 
As of March 31, 2011 , we had 2, 097 ,976 shares of common stock outstanding. At that date, we had total assets of $ 702.4 million, deposits of $ 576.5 million, total stockholders’ equity of $ 52.9 million and tangible common equity to tangible assets of 5.92 %.  Our non-performing assets (consisting of nonaccrual loans, loans past due 90 or more days, troubled debt restructurings, other real estate owned, and nonperforming investment securities) were $2. 3 million, or 0. 32 % of total assets.  For the nine months ended March 31, 2011 , we had earnings of $ 3.93 per diluted common share.  If the impact of the FDIC-assisted acquisition discussed below was eliminated, we would have had earnings of $ 2.03 per diluted common share.
 
Our principal office is located at 531 Vine Street, Poplar Bluff, Missouri 63901. Our telephone number is (573) 778-1800 and our website address is www.bankwithsouthern.com. The information on our website is not a part of this prospectus and the reference to our website address does not constitute incorporation by reference of any information on our website into this prospectus.
 
Recent Acquisitions
 
On July 17, 2009, we completed the acquisition of Southern Bank of Commerce headquartered in Paragould, Arkansas, with branches in Jonesboro, Leachville, and Brookland, Arkansas.  As of June 30, 2009, the quarter-end immediately prior to the closing of the transaction, Southern Bank of Commerce had assets of $30.3 million, loans of $16.2 million, deposits of $29.3 million, and total equity of $916,000.  The purchase price was $600,000.   As part of this acquisition, we booked transaction expenses of $140,000, goodwill of $126,000 and a core deposit intangible of $184,000.  This transaction was dilutive to earnings during fiscal year 2010 and has been break even or accretive since June 30, 2010.
 
On December 17, 2010, we completed the FDIC-assisted acquisition of certain assets and assumption of certain liabilities of First Southern Bank, which was headquartered in Batesville, Arkansas, and had a branch in Searcy, Arkansas, prior to being placed into receivership with the FDIC.  In the transaction, we acquired assets of $144.6 million, including loans of $124.4 million, and we
 

 
 
 
 

assumed deposits of $130.3 million.  We paid a 0.25% deposit premium and received a discount on the assets of $17.5 million.  We did not seek any loss sharing from the FDIC in the acquisition.  First Southern’s non-performing assets as a percentage of total assets at September 30, 2010, were 0.87%.  First Southern’s capital position became impaired when it suffered losses associated with fraud in its securities portfolio, which led to its failure.  We did not acquire any investment securities in the transaction.   As part of this acquisition, we booked a bargain purchase gain of $7.0 million, with $460,000 in transaction expenses recognized and an after-tax gain of $4.1 million.  This transaction has been accretive to earnings for the periods ended December 31, 2010 and March 31, 2011.
 
Our Strategy
 
Our current business strategy is to operate a well-capitalized and profitable commercial and retail financial institution dedicated to serving the needs of our customers.  We offer a broad range of products and services while stressing personalized and efficient customer service and convenient access to these products and services.  We intend to continue to operate as a residential, commercial and consumer lender.  We have structured operations around a branch system that is staffed with knowledgeable and well-trained employees.  Subject to capital requirements and our ability to grow in a reasonable and prudent manner, we may open or acquire additional branches and acquire whole banks as opportunities arise.  In addition to our branch system, we continue to expand electronic services for our customers.  We attempt to differentiate ourselves from our competitors by providing a higher level of customer service, including through the use of technology.
 
A key element of our business strategy has been to increase our presence and grow the “Southern Bank” brand in the markets we currently serve and new markets in southeastern and southwestern Missouri, northeastern Arkansas and other adjacent communities that present attractive opportunities for expansion, consistent with our capital availability.  We have pursued this expansion program through both prudent, disciplined internal growth and strategic acquisitions.  Because some of the financial institutions in our market areas are experiencing financial difficulties, these opportunities have increased in recent months.  As those troubled banks have closed or curtailed their lending activities, shrunk their assets or sold branches to improve their capital levels, we have experienced increased loan demand and branch acquisition opportunities; we have hired highly regarded and experienced lending officers and commercial bankers; and we have expanded into new market areas that are contiguous to our existing market areas, including Springfield, Missouri and Little Rock, Paragould, Jonesboro, Brookland, Leachville, Batesville and Searcy, Arkansas.  These recent activities reflect our ability to take advantage of these expansion opportunities.  We anticipate that a significant part of our future growth could come from Springfield, Missouri and Jonesboro, Arkansas.
 
Our goal is to continue to expand our franchise organically and, if available, through further opportunistic acquisitions, while maintaining sound operations and risk management, in order to provide superior returns to our shareholders. We are quickly becoming a leading community bank in our primary market area. Our strategy has been successful and we believe that we can continue to drive returns to shareholders by focusing on the following key elements:
 
 
·
Continue to Increase Profitability.  The management team and the Board of Directors, who collectively own 16.9% of the outstanding shares of the Company, are dedicated to producing profits and returns for the shareholders.  The Company has historically achieved a strong net interest margin, which is a key driver of our profitability. We are also continuing to focus on expense control, paying particular attention to our efficiency ratio.  By striving to constantly improve these ratios, we seek to improve our return on average assets and return on average equity.
 
 
·
Exceptional Asset Quality Record. Over 73.9 % of our loan portfolio is secured by real estate, including approximately 32.4 % consisting of commercial real estate loans.  As a
 

 
2
 
 

 
 
 
 
 
result of the high degree of real estate expertise among our lending and credit review staff, executive officers and board of directors, and our strict, quality-oriented underwriting and credit monitoring processes, our cumulative loss, through March 31, 2011 , on commercial real estate loans since June 30, 2005 has been approximately $147,000. While credit problems at other banks in the United States have increased recently over historic levels, due to tumultuous economic conditions, credit quality remains our highest priority, and we are vigilant in rapidly responding to these conditions and to specific problem credits, as well as working to minimize losses.  With the lending opportunities that are available in our market areas as a result of retrenching by larger banks, we have been increasingly able to selectively fund only the opportunities we deem most attractive, and to adequately price for risk.  At March 31, 2011 , non-performing assets to total assets were 0. 32 %.
 
 
·
Proven Ability to Execute Acquisitions.  We plan to continue a long-term strategy of expanding and diversifying our franchise in terms of revenue, profitability, asset size and location.  Our recent growth has been enhanced significantly by a whole bank acquisition transaction and an FDIC-assisted acquisition, both in the state of Arkansas, and both accomplished at minimal cost to us.  Due in large part to the impact of the recent economic downturn on the financial health of numerous financial institutions, we anticipate continued consolidation in the financial services industry in our market areas and will seek to enhance our franchise through future acquisition opportunities of whole banks or branches, including through FDIC-assisted transactions.  We are the only publicly traded banking institution headquartered in southeastern Missouri and northeastern Arkansas.  We believe this gives us an advantage when competing for acquisitions in our market area.
 
 
·
Emphasis on Core Deposits.  We strive to be the leading financial institution in the market areas we serve.  We are positioned as a bank that is an alternative solution for customers between the small community banks and the larger regional and money center banks.   We offer a broad range of products and services while stressing personalized and efficient customer service and convenient access to these products and services.  We have always maintained a strong emphasis on core deposits and a culture that is based on sales and service.  We provide customers with immediate access to senior management and decision-makers that have local market knowledge.  Our philosophy has allowed us to attract and retain lower cost core deposits, which has resulted in our non-interest bearing deposits consistently averaging 7% of total deposits.
 
 
·
Experienced Management Team and Dedicated Board.  Our management and board of directors combine extensive experience in growing a community bank franchise on a profitable and sound basis.  The management team has an established track record integrating bank and product line acquisitions in our target market.  Our team is experienced in the acquisition of banks, the purchase and assumption of branch networks, the acquisition of asset and deposit divestitures all in the context of in-region and market extension transactions.  Our team has also successfully developed and implemented innovative client- and community-focused strategies that have delivered organic growth.  Our team has worked extensively with state and federal bank regulators and has developed an understanding and capability of managing a depository institution in challenging economic and business cycles.  As we execute on our growth opportunities, we will look to add directors and management team members with proven track records of acquiring, growing, integrating and operating community, regional and super-regional banks in the Midwestern banking markets.
 

 
3
 
 

 
·
Commitment to Technology to Attract and Maintain Customer Relationships. While we watch our expenses and our efficiency ratio closely, we have invested in and utilize technology to compete effectively with the larger regional and money center banks operating in our area.  Recently, we have upgraded our systems and infrastructure to prepare for the future growth of our company.
 
Our Leadership Team
 
The members of our leadership team all have significant experience in the financial institution industry. They have been able to leverage that experience to provide a broad understanding of the financial services business and the financial markets to our community-based operations.  Combined, our leadership team has over 100 years of banking and financial services experience.
 
 
·
Greg A. Steffens, the Company’s President and Chief Executive Officer, has been with us since 1998. He was hired in 1998 as Chief Financial Officer and was appointed President and CEO in1999. He has over 21 years of experience in the banking industry, including service from 1993 to 1998 as chief financial officer of Mount Vernon, Missouri-based Sho-Me Financial Corp, prior to the sale of that company.  Mr. Steffens also served from 1989 to 1993 as an examiner with the Office of Thrift Supervision.
 
 
·
Matthew T. Funke, the Company’s Chief Financial Officer, has worked for us since 2003. He has more than 12 years of banking and finance experience. Mr. Funke was initially hired to establish an internal audit function for the Company, and served as internal auditor and compliance officer until 2006, when he was named Chief Financial Officer. Previously, Mr. Funke was employed with Central Bancompany, Inc., where he advanced to the role of internal audit manager, and as a fiscal analyst with the Missouri General Assembly.
 
 
·
Lora L. Daves, the Company’s Chief of Credit Administration, has worked for us since 2006. Ms. Daves is responsible for the administration of the Company’s credit portfolio, including analysis of proposed new credits and monitoring of the portfolio’s credit quality. Ms. Daves has over 23 years of banking and finance experience, including 11 years beginning with Mercantile Bank of Poplar Bluff, which merged with and into US Bank during her tenure there. Ms. Daves’ responsibilities with US Bank included credit analysis, underwriting, credit presentation, credit approval, monitoring credit quality, and analysis of the allowance for loan losses.  She advanced to hold responsibility for regional credit administration, loan review, compliance, and problem credit management. Ms. Daves’ experience also includes four years as Chief Financial Officer of a Southeast Missouri healthcare provider which operated a critical access hospital, eight rural health clinics, and two retail pharmacies, an ambulatory surgery center, and provided outpatient radiology and physical therapy services; and four years with a national real estate development and management firm, working in their St. Louis-based Midwest regional office as a general accounting manager.
 
 
·
William D. Hribovsek, our Chief Lending Officer, has been with us since 1999. Mr. Hribovsek joined the Company as its senior commercial lender, and was named Chief Lending Officer in 2006. He has over 31 years banking experience.  Prior to joining the Company, Mr. Hribovsek was employed as a commercial lender from 1979 to 1999 with Commerce Bank of Poplar Bluff, which was since merged with and into Commerce Bank, N.A. While with Commerce Bank, Mr. Hribovsek oversaw the institution’s installment loan department for 12 years.
 

 
4
 
 

 
·
Kimberly A. Capps, the Company’s Chief Operations Officer, has been with us since 1994. She has over 20 years banking experience.  Ms. Capps is responsible for the Company’s retail deposit operations, product development and marketing, and data processing and network administration functions. Ms. Capps was initially hired by our bank subsidiary as controller, and was named Chief Financial Officer in 2001. In 2006, Ms. Capps was named Chief Operations Officer. Prior to joining the Company, Ms. Capps was employed for more than three years with the accounting firm of Kraft, Miles & Tatum, where she specialized in financial institution audits and taxation.
 
Our Market Area
 
We provide our customers with a full array of community banking services.  We conduct our business from our headquarters in Poplar Bluff, 15 additional full service offices located in Poplar Bluff, Van Buren, Dexter, Kennett, Doniphan, Sikeston, Qulin, and Matthews, Missouri, and Paragould, Jonesboro, Leachville, Brookland, Searcy and Batesville, Arkansas and loan production offices in Springfield, Missouri and Little Rock, Arkansas.  Our primary market area includes all or portions of Butler, Carter, Dunklin, Ripley, Stoddard, Scott, Mississippi, New Madrid, Wayne, and Pemiscot Counties in Missouri, and Mississippi, Clay, Independence and White Counties in Arkansas. Our market area has a population of approximately 450,000, excluding Springfield, Missouri, and Little Rock, Arkansas. The largest employers in our primary market area include Frito-Lay, Nestle, various hospitals and healthcare providers, Briggs & Stratton, Ralcorp (f/k/a Ralston-Purina), Arkansas State University, Noranda Aluminum, American Railcar, Visiting Nurse Association, Good Humor-Breyers, Emerson Electric, Monroe Shocks, Gates Rubber, Nordyne, various school districts, Wal-Mart Stores, Mid-Continent Nail, and Tyson Foods. Our primary market area is predominantly rural in nature and relies heavily on the manufacturing industries and agriculture, with products including livestock, rice, timber, soybeans, wheat, melons, corn and cotton.
 
We believe that we have opportunities to grow our business within and adjacent to our primary market area.  Following completion of the offering, we believe we will be well-positioned to take advantage of these growth opportunities. As many of our competitors have pulled back or reduced their lending efforts in these areas or been acquired or placed in receivership, we believe opportunities exist to increase our market share through organic growth. We continue to invest in our credit and lending teams, through both hiring experienced commercial lenders and additional underwriting and credit monitoring training of our employees.
 
We believe that our best opportunities for growth are in the Springfield, Missouri, and Jonesboro, Arkansas, areas, based on favorable demographic trends in those areas, particularly in terms of economic and population growth.  We have operated a loan production office in Springfield since September 2010.  The strong loan growth we have experienced there prompted us to recently apply to our regulator to convert that office to a full service banking office.  We have operated a full service banking office in Jonesboro since 2009.  We acquired that office in connection with our July 2009 acquisition of Southern Bank of Commerce.
 
Our Capital Needs
 
We need additional capital in order to take advantage of the opportunities that may be presented to us. Management believes that with additional capital, the Company will be able to act upon opportunities to improve its profitability, enhance its franchise and overall shareholder value and redeem the outstanding shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (the “TARP CPP preferred stock”) issued by us to the U.S. Department of the Treasury (the “U.S. Treasury”) under the TARP Capital Purchase Program (the “TARP CPP”).
 

 
5
 
 

Executive Offices and Website
 
Our principal office is located at 531 Vine Street, Poplar Bluff, Missouri 63901. Our telephone number is (573) 778-1800. Our website address is www.bankwithsouthern.com. The information on our website is not a part of this prospectus and the reference to our website address does not constitute incorporation by reference of any information on our website into this prospectus.
 
Risk Factors
 
An investment in our common stock involves certain risks. For more information on these risks, please carefully review all of the information under the heading “Risk Factors” beginning on page 12 of this prospectus. You should carefully review and consider all of this information before making an investment decision.
 
The Offering
 
Issuer
Southern Missouri Bancorp, Inc.
   
Offering price
$[•] per share
   
Common stock offered by us
[•] shares(1)
   
Common stock outstanding after the
 offering
[•] shares(2)
   
Net proceeds
We estimate the net proceeds from the offering, after underwriting discounts and commissions and estimated expenses, will be approximately $[•], or approximately $[•] if the underwriter exercises its over-allotment option in full.
   
Use of proceeds
We intend to use approximately half of the net proceeds of the offering, or $_____ million, to contribute to the capital of the Bank for general corporate purposes, including funding organic loan growth and investment in securities.  The net proceeds not contributed to the Bank will be used by us for general corporate purposes, which may include redemption of some or all of the TARP CPP preferred stock to the extent we do not redeem these securities through participation in the U.S. Treasury’s Small Business Lending Fund program, payment of dividends and the pursuit of strategic opportunities which may be presented to us.  We do not currently have any agreements or commitments with respect to any acquisitions. We would need the approval of our primary regulator to redeem the TARP CPP preferred stock, which we have not yet sought.  If we receive that approval and decide to redeem all of the TARP CPP preferred stock, we may also decide to repurchase the warrant we issued to the U.S. Treasury in connection with the TARP CPP, subject to our ability to negotiate an acceptable repurchase price with the U.S. Treasury.   Initially, a substantial portion of the net proceeds retained by the Company will be invested in short-term investments and government agency backed mortgage-backed securities, as well as investment-grade debt obligations.   See “Use of Proceeds.”
 
 
 
6
 
 
 
 
 
   
Trading market
Our common stock is listed on the Nasdaq Global Market under the symbol “SMBC.” See “Market for Common Stock and Dividend Information.”
   
Dividends
We currently pay a $0.12 per share quarterly dividend on our shares of common stock, and we intend to continue to pay a quarterly dividend after the offering, subject to our capital requirements, financial condition, results of operations, tax considerations, statutory and regulatory limitations, and general economic conditions.  In addition, we are subject to restrictions on payment of dividends as a result of our current participation in the TARP CPP. See “Market for Common Stock and Dividend Information.”
 
_______________________________
(1)
The number of shares of common stock offered assumes that the underwriter’s over-allotment option is not exercised. If the over-allotment option is exercised in full, we would issue [•] additional shares of common stock in the offering.
(2)
The number of shares of common stock outstanding after the offering excludes [•] shares issuable pursuant to the exercise of the underwriter’s over-allotment option, 88 ,500 shares issuable upon exercise of outstanding stock options as of March 31, 2011 , with a weighted average exercise price of $ 14.45 , 80,536 shares authorized for issuance for potential future equity awards under our equity compensation plans, and 114,326 shares issuable upon the exercise of the warrant issued to the U.S. Treasury in connection with the TARP CPP at an exercise price of $12.53 per share.

Proposed Purchases by Directors and Executive Officers
 
The table below sets forth, for each of our directors and executive officers and for all of the directors and executive officers as a group, the following information:
 
 
(i)
the number of shares of Company common stock beneficially owned as of ____________ __, 2011;
 
 
(ii)
the proposed purchases in this offering, assuming sufficient shares of common stock are available to satisfy their orders; and
 
 
(iii)
the total amount of Company common stock to be beneficially owned upon consummation of the offering.
 


 
7
 
 



                 
Proposed Purchases
of Stock
in the Offering
 
Total Common Stock
to be Beneficially Owned
After the Offering
   
Number of
Shares
Currently
Beneficially
Owned(1)
   
Percent of
Common
Stock
Currently
Outstanding
   
Number of
Shares
 
Aggregate
Purchase
Price
 
Number of
Shares
 
Percentage
of Common
Stock
Outstanding
Directors and Executive
    Officers
                           
Greg A. Steffens,
  Director and President
  and Chief Executive
  Officer(2)
    135,901       6.5 %     5,000       140,901    
Matthew T. Funke,
  Chief Financial Officer
    10,861       *       2,000       12,861    
Lora L. Daves,
  Chief of Credit
  Administration
    3,161       *       500       3,661    
William D. Hribovsek
  Chief Lending
  Officer(2)
    26,311       1.3 %     500       26,811    
Kimberly A. Capps
  Chief Operations
  Officer(2)
    25,535       1.2 %     5,000       30,535    
Samuel H. Smith,
  Director
    80,054       3.8 %     4,000 (5)     84,054 (5)  
Ronnie D. Black,
  Director
    22,185       1.1 %     500       22,685    
L. Douglas Bagby,
  Director
    14,801       *       500       15,301    
Sammy A. Schalk,
  Director(3)
    46,549       2.2 %     1,000       47,549    
Rebecca M. Brooks,
  Director
    10,250       *       2,000       12,250    
Charles R. Love,
  Director
    10,450       *       500       10,950    
Charles R. Moffitt,
  Director
    8,000       *       500       8,500    
Dennis C. Robison,
  Director
    8,118       *       2,000       10,118    
Directors and executive
  officers as a group (13
  persons)(4)
    402,176       18.8 %     24,000       426,176    
______________________
(1)
Except as otherwise noted in these footnotes, the nature of beneficial ownership for shares reported in this table is sole voting and investment power. Included in the shares beneficially owned by the directors and named executive officers are options to purchase shares of Southern Missouri Bancorp common stock exercisable within 60 days of ________ __, 2011, as follows: Mr. Steffens -- 10,000 shares; Mr. Funke – 6,000 shares; Ms. Daves – 1,000 shares; Mr. Hribovsek – 6,000 shares; Ms. Capps – 7,000 shares; Ms. Brooks -- 5,000 shares; Mr. Moffitt -- 5,000 shares; Mr. Love -- 5,000 shares; and Mr. Robison – 2,000 shares.
(2)
Includes shares allocated to each executive officer’s employee stock ownership plan account.
(3)
Includes 3,800 shares held in the Gamblin Lumber Co., Profit Sharing Trust for which Mr. Schalk is the trustee.
(4)
Includes shares held directly, as well as shares held jointly with family members, shares held in retirement accounts, held in a fiduciary capacity, held by certain of the group members' families, or held by trusts of which the group member is a trustee or substantial beneficiary, with respect to which shares the group member may be deemed to have sole or shared voting and/or investment powers. This amount also includes exercisable options to purchase 47,000 shares of Southern Missouri Bancorp common stock granted to directors and executive officers as a group.
(5)
Includes 2,000 shares proposed to be purchased by Smith & Co., of which Mr. Smith is the former President and majority stockholder and remains a significant stockholder.
*
Less than 1% ownership.


 
8
 
 

Summary of Selected Consolidated Financial Information
 
The following table sets forth selected historical consolidated financial information as of and for the nine months ended March 31, 2011 and 2010 , derived from our unaudited consolidated financial statements, and as of and for the fiscal years ended June 30, 2010, 2009, 2008, 2007 and 2006, derived from our audited consolidated financial statements. The unaudited financial information as of and for the nine months ended March 31, 2011 and 2010 has been prepared on the same basis as our audited financial statements and includes, in the opinion of management, all adjustments necessary to fairly present the data for such periods. The results of operations for the nine months ended March 31, 2011 are not necessarily indicative of the results of operations to be expected for the full year or any future period. You should read this information in conjunction with our consolidated financial statements and related notes and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” included in Exhibit 13 of our Annual Report on Form 10-K for the fiscal year ended June 30, 2010 and our Quarterly Report on Form 10-Q for the quarter ended March 31, 2011 , which are incorporated by reference into this prospectus. See “Incorporation of Certain Information by Reference.”
 
 
At or for the Nine
Months
Ended March 31,
   
At or for the Fiscal Year Ended June 30,
 
2011
 
2010
   
2010
   
2009
   
2008
   
2007
   
2006
 
(Dollars in thousands, except per share data)
Financial Condition Data
           
Total assets
$702,393
 
$538,942
   
$552,084
   
$466,334
   
$418,188
   
$380,106
   
$350,808
Loans receivable, net
551,544
 
396,675
   
418,683
   
368,993
   
343,438
   
312,242
   
281,055
Mortgage-backed securities
26,960
 
36,103
   
34,334
   
40,269
   
28,006
   
10,723
   
14,440
Cash, interest-bearing deposits and other investment securities
90,226
 
72,439
   
67,103
   
27,983
   
19,931
   
31,492
   
30,328
Intangibles, net
1,979
 
1,677
   
1,604
   
1,583
   
1,838
   
2,093
   
2,348
Deposits
576,468
 
411,654
   
422,893
   
311,955
   
292,257
   
270,088
   
258,069
Borrowings
59,483
 
72,544
   
73,869
   
102,498
   
85,854
   
71,758
   
57,296
Subordinated debt
7,217
 
7,217
   
7,217
   
7,217
   
7,217
   
7,217
   
7,217
Preferred equity
9,447
 
9,413
   
9,421
   
9,389
   
-
   
-
   
-
Common equity
43,427
 
35,565
   
36,228
   
32,619
   
30,472
   
28,714
   
26,554
Total stockholders’ equity
52,874
(1)
44,978
(1)
 
45,649
(1)
 
42,008
(1)
 
30,472
   
28,714
   
26,554
Shares of common stock outstanding (000s)(2)
2,094
 
2,088
   
2,084
   
2,083
   
2,185
   
2,207
   
2,228
Book value per common share
$20.74
 
$17.03
   
$17.39
   
$15.58
   
$13.95
   
$13.01
   
$11.92
Tangible book value per common share(3)
19.79
 
16.23
   
16.62
   
14.82
   
13.11
   
12.06
   
10.86
                                     
Operations Data
                                   
Interest income
$25,130
 
$20,595
   
$27,541
   
$25,301
   
$25,327
   
$23,550
   
$20,363
Interest expense
8,459
 
8,470
   
11,225
   
11,204
   
13,547
   
13,621
   
10,763
Net interest income
16,671
 
12,125
   
16,316
   
14,097
   
11,780
   
9,929
   
9,600
Provision for loan losses
2,112
 
565
   
925
   
1,151
   
723
   
633
   
500
Net interest income after provision for loan losses
14,559
 
11,559
   
15,391
   
12,946
   
11,057
   
9,296
   
9,100
Bargain purchase gain on acquisitions
6,997
 
-
   
-
   
-
   
-
   
-
   
-
Other noninterest income
2,540
 
2,208
   
3,094
   
1,820
   
2,412
   
2,207
   
2,144
Noninterest expense
10,877
 
9,471
   
12,498
   
9,219
   
8,081
   
7,430
   
7,083
Income before income taxes
13,218
 
4,296
   
5,987
   
5,547
   
5,388
   
4,073
   
4,161
Income taxes
4,361
 
866
   
1,361
   
1,712
   
1,775
   
1,145
   
1,377
Net income
8,857
 
3,430
   
4,626
   
3,835
   
3,613
   
2,928
   
2,784
Less: effective dividend on preferred stock
384
 
382
   
510
   
289
   
-
   
-
   
-
Net income available to common stockholders
$8,473
 
$3,048
   
$4,116
   
$3,546
   
$3,613
   
$2,928
   
$2,784
                                     


 
9
 
 


 
At or for the Nine Months
Ended March 31,
   
At or for the Fiscal Year Ended June 30,
 
2011
 
2010
   
2010
   
2009
   
2008
   
2007
   
2006
 
(Dollars in thousands, except per share data)
Operations Data (continued)
           
Basic earnings per share available to
  common stockholders
$4.06
 
$1.46
   
$1.98
   
$1.67
   
$1.64
   
$1.32
   
$1.25
 
Basic earnings per share available to
  common stockholders – excluding
  impact of bargain purchase gain(3)
$2.10
 
NA
   
NA
   
NA
   
NA
   
NA
   
NA
 
Diluted earnings per share available
  to common stockholders
$3. 93
 
$1. 45
   
$1.95
   
$1.67
   
$1.63
   
$1.29
   
$1.24
 
Diluted earnings per share available
  to common stockholders – excluding
  impact of bargain purchase gain(3)
$2.03
 
NA
   
NA
   
NA
   
NA
   
NA
   
NA
 
Dividends per common share
$0. 36
 
$0. 36
   
$0.48
   
$0.48
   
$0.40
   
$0.36
   
$0.36
 
Average shares outstanding (000s)(2)
2, 087
 
2, 083
   
2,084
   
2,083
   
2,218
   
2,219
   
2,226
 
                                       
Other Data:
                                     
Performance Ratios
                                     
Return on average assets
1.93
%
0. 88
%
 
0.88
%
 
0.87
%
 
0.92
%
 
0.80
%
 
0.80
%
Return on average common equity
28.54
 
11.84
   
11.85
   
11.38
   
12.06
   
10.49
   
10.83
 
Interest rate spread
3. 56
 
3. 08
   
3.06
   
3.11
   
2.86
   
2.57
   
2.69
 
Net interest margin
3. 78
 
3. 29
   
3.27
   
3.37
   
3.17
   
2.90
   
2.96
 
Noninterest income/Average assets
2.07
 
0. 57
   
0.59
   
0.41
   
0.61
   
0.61
   
0.62
 
Noninterest income excluding bargain
  purchase gain/Average assets(3)
0. 55
 
0. 57
   
0.59
   
0.41
   
0.61
   
0.61
   
0.62
 
Noninterest expense/Average assets
2. 37
 
2. 43
   
2.38
   
2.09
   
2.05
   
2.05
   
2.03
 
Average interest-earning assets/
  Average interest-bearing liabilities
111.34
 
109. 55
   
109.57
   
109.77
   
108.60
   
108.29
   
108.15
 
Common shareholder dividend
  payout ratio
8.89
 
24.66
   
24.35
   
28.88
   
24.47
   
27.50
   
28.88
 
Asset Quality and Reserves
                                     
Non-accrual loans
$496
 
$560
   
$238
   
$659
   
$ -
   
$2
   
$51
 
Accruing loans 90+ days past due
218
 
205
   
94
   
137
   
6
   
24
   
2
 
Troubled debt restructurings
-
 
-
   
-
   
-
   
-
   
-
   
-
 
Total nonperforming loans
714
 
765
   
332
   
796
   
6
   
26
   
53
 
Real estate owned
1, 373
 
1, 342
   
1,501
   
313
   
38
   
111
   
200
 
Other repossessed assets
63
 
90
   
90
   
137
   
24
   
11
   
16
 
Nonperforming investment securities
125
 
125
   
125
   
125
   
-
   
-
   
-
 
Total nonperforming assets
$2, 275
 
$2, 322
   
$2,048
   
$1,371
   
$   68
   
$ 148
   
$ 269
 
Total nonperforming assets/Total assets
0. 32
%
0. 43
%
 
0.37
%
 
0.29
%
 
0.02
%
 
0.04
%
 
0.08
%
Allowance for loan losses/Gross loans
1.16
 
1. 08
   
1.06
   
1.07
   
0.92
   
0.76
   
0.66
 
Allowance for loan losses/
  Nonperforming loans
897.90
 
562.09
   
1,358.45
   
501.63
   
53,316.67
   
9,180.77
   
3,545.28
 
Net charge-offs (recoveries)/Average
  outstanding loans during the period
0.06
 
0. 09
   
0.10
   
0.10
   
(0.03
)
 
0.04
   
0.19
 
Capital Ratios
                                     
Consolidated
                                     
Average equity/Average assets
7.90
 
8. 43
   
8.39
   
8.29
   
7.60
   
7.66
   
7.43
 
Tangible common equity/Tangible
  assets(3)
5. 92
 
6. 31
   
6.28
   
6.63
   
6.85
   
7.01
   
6.90
 
Southern Bank
                                     
Tier 1 capital/Average tangible
  assets–Southern Bank
8.33
 
8. 35
   
8.36
   
8.87
   
8.08
   
8.10
   
7.92
 
Tier 1 capital/Total risk-based assets
  Southern Bank
10. 84
 
11. 70
   
11.25
   
11.72
   
10.63
   
10.74
   
10.91
 
Total risk-based capital/Total risk-
  based assets – Southern Bank
12.10
 
12. 95
   
12.50
   
12.98
   
11.79
   
11.66
   
11.73
 

 
10
 
 


Other
                                     
Number of:
                                     
   Real estate loans
3,760     3,220    
3,282
   
2,957
   
2,868
   
2,795
   
2,808
 
   Deposit accounts
  30,050   24,764    
25,353
   
22,069
   
20,560
   
19,978
   
18,845
 
   Full service offices
16
 
14
   
14
   
10
   
9
   
9
   
9
 
________________________
(1)
Total stockholders’ equity includes $9.4 million in TARP CPP preferred stock.
(2)
Excludes shares held in trust that are available for future awards of restricted stock under our Management Recognition and Development Plan.
(3)
Basic and diluted earnings per share available to common stockholders excluding bargain purchase gain, the ratio of non-interest income excluding bargain purchase gain to average assets, tangible book value per share, tangible common equity, tangible assets and average tangible assets are financial measures containing information determined by methods other than in accordance with accounting principles generally accepted in the United States (commonly referred to as “GAAP”).  Basic and diluted earnings per share available to common stockholders excluding bargain purchase gain and the ratio of non-interest income excluding bargain purchase gain to average assets show what basic and diluted earnings per share and the ratio of non-interest income to average assets would have been without the impact of the bargain purchase gain we recognized on the First Southern Bank FDIC-assisted transaction completed in December 2010.  Management believes that showing these amounts excluding the bargain purchase gain is useful for investors because it better reflects our core operating results.  We calculate tangible book value per share, tangible common equity, tangible assets and average tangible assets by excluding intangible assets.  Management believes that this is consistent with the treatment by bank regulatory agencies, which exclude intangible assets from the calculation of risk-based capital ratios, and is useful to investors in understanding the basis of our risk-based capital ratios and in assessing management’s success in utilizing our tangible capital.
 
These non-GAAP financial measures are supplemental and are not a substitute for an analysis based on GAAP measures.  Because not all companies use identical calculations, these non-GAAP financial measures might not be comparable to other similarly titled measures as determined and disclosed by other companies.  Reconciliations to GAAP of the non-GAAP financial measures presented are set forth below.
 
The following table presents a reconciliation of the calculation of basic earnings per share available to common stockholders excluding bargain purchase gain:

   
For the
Nine Months
Ended March 31,
2011
     
Basic earnings per share available to common stockholders
 
$
4.06
  Less: Impact of bargain purchase gain
   
1.96
Basic earnings per share available to common stockholders –
  excluding bargain purchase gain
 
$
2.10

The following table presents a reconciliation of the calculation of diluted earnings per share available to common stockholders excluding bargain purchase gain:
 
   
For the
Nine Months
Ended March 31,
2011
     
Diluted earnings per share available to common stockholders
 
$
3. 93
   Less: Impact of bargain purchase gain
   
1. 90
Diluted earnings per share available to common stockholders –
  excluding bargain purchase gain
 
$
2.03

The following table presents a reconciliation of the calculation of non-interest income excluding bargain purchase gain (in thousands):
 
 
For the
Nine Months
Ended March 31,
2011
     
Noninterest income
$
9,537
   Less: bargain purchase gain
 
6,997
Noninterest income excluding bargain purchase gain
$
2,540
 
 
 
11
 
 
 

 
The following table presents a reconciliation of the calculation of tangible book value per share:
 
 
  
At March 31,
 
At June 30,
   
2011
 
2010
 
2010
 
2009
 
2008
 
2007
 
2006
                                           
Book value per share
 
$
20.74
 
$
17.07
 
$
17.39
 
$
15.58
 
$
13.95
 
$
13.01
 
$
11.92
   Less: intangibles, net per share
   
0.95
   
0. 81
   
0.77
   
0.76
   
0.84
   
0.95
   
1.06
Tangible book value per share
 
$
19.79
 
$
16.26
 
$
16.62
 
$
14.82
 
$
13.11
 
$
12.06
 
$
10.86

The following table presents a reconciliation of the calculation of tangible common equity (in thousands):

 
  
At March 31,
 
At June 30,
   
2011
 
2010
 
2010
 
2009
 
2008
 
2007
 
2006
                                           
Common equity
 
$
43,426
 
$
35,565
 
$
36,228
 
$
32,619
 
$
30,472
 
$
28,714
 
$
26,554
   Less: intangibles, net
   
1,979
   
1, 677
   
1,604
   
1,583
   
1,838
   
2,093
   
2,348
Tangible common equity
 
$
41,447
 
$
33,888
 
$
34,624
 
$
31,036
 
$
28,634
 
$
26,621
 
$
24,206

The following table presents a reconciliation of the calculation of tangible assets (in thousands):

 
  
At March 31,
 
At June 30,
   
2011
 
2010
 
2010
 
2009
 
2008
 
2007
 
2006
                                           
Total assets
 
$
702,393
 
$
538,942
 
$
552,084
 
$
466,334
 
$
418,188
 
$
380,106
 
350,808
   Less: intangibles, net
   
1,979
   
1,677
   
1,604
   
1,583
   
1,838
   
2,093
   
2,348
Tangible assets
 
$
700,414
 
$
537,265
 
$
550,480
 
$
464,751
 
$
416,350
   
378,013
 
348,460



 
12
 
 

RISK FACTORS
 
An investment in our common stock involves significant risks. You should consider carefully the risk factors included below as well as those discussed under the caption “Risk Factors” in our Annual Report on Form 10-K for the fiscal year ended June 30, 2010 and our Quarterly Report on Form 10-Q for the quarter ended March 31, 2011 , together with all of the other information included in or incorporated by reference into this prospectus, before making a decision to invest in our common stock. The risks and uncertainties described below are not the only ones we face. Additional risks and uncertainties not presently known to us or that we currently deem immaterial may also have a material adverse effect on our business, financial condition and results of operations. This prospectus also contains forward-looking statements that involve risks and uncertainties. If any of the matters included in the following information about risk factors were to occur, our business, financial condition, results of operations, cash flows or prospects could be materially adversely affected. In such case, you may lose all or a substantial part of your investment.
 
Risks Related To the Company’s Business
 
Our allowance for loan losses may prove to be insufficient to absorb probable losses in our loan portfolio.
 
Lending money is a substantial part of our business. Every loan carries a certain risk that it will not be repaid in accordance with its terms or that any underlying collateral will not be sufficient to assure repayment. This risk is affected by, among other things:
 
 
·
cash flow of the borrower and/or the project being financed;
 
 
·
in the case of a collateralized loan, the changes and uncertainties as to the future value of the collateral;
 
 
·
the credit history of a particular borrower;
 
 
·
changes in economic and industry conditions; and
 
 
·
the duration of the loan.
 
We maintain an allowance for loan losses which we believe is appropriate to provide for potential losses in our loan portfolio. The amount of this allowance is determined by our management through a periodic review and consideration of several factors, including, but not limited to:
 
 
·
an ongoing review of the quality, size and diversity of the loan portfolio;
 
 
·
evaluation of non-performing loans;
 
 
·
historical default and loss experience;
 
 
·
historical recovery experience;
 
 
·
existing economic conditions;
 
 
·
risk characteristics of the various classifications of loans; and
 

 
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·
the amount and quality of collateral, including guarantees, securing the loans.
 
If our loan losses exceed our allowance for probable loan losses, our business, financial condition and profitability may suffer.
 
If our nonperforming assets increase, our earnings will be adversely affected.
 
At March 31, 2011 , our nonperforming assets (which consist of non-accruing loans, accruing loans 90 days or more past due, nonperforming investment securities, and other real estate owned) totaled $2. 3 million, or 0. 32 % of total assets. At June 30, 2010 and June 30, 2009, our nonperforming assets were $2.0 million and $1.4 million, respectively, or 0.37% and 0.29% of total assets, respectively. Our nonperforming assets adversely affect our net income in various ways:
 
 
·
We do not record interest income on nonaccrual loans, nonperforming investment securities, or other real estate owned.
 
 
·
We must provide for probable loan losses through a current period charge to the provision for loan losses.
 
 
·
Non-interest expense increases when we must write down the value of properties in our other real estate owned portfolio to reflect changing market values or recognize other-than-temporary impairment on nonperforming investment securities.
 
 
·
There are legal fees associated with the resolution of problem assets, as well as carrying costs, such as taxes, insurance, and maintenance fees related to our other real estate owned.
 
 
·
The resolution of nonperforming assets requires the active involvement of management, which can distract them from more profitable activity.
 
If additional borrowers become delinquent and do not pay their loans and we are unable to successfully manage our nonperforming assets, our losses and troubled assets could increase significantly, which could have a material adverse effect on our financial condition and results of operations.
 
Changes in economic conditions, particularly a further economic slowdown in southeast or southwest Missouri or northeast Arkansas, could hurt our business.
 
Our business is directly affected by market conditions, trends in industry and finance, legislative and regulatory changes, and changes in governmental monetary and fiscal policies and inflation, all of which are beyond our control. In 2008, the housing and real estate sectors experienced an economic slowdown that has continued. Further deterioration in economic conditions, particularly within our primary market area in southeast and southwest Missouri and northeast Arkansas, could result in the following consequences, among others, any of which could hurt our business materially:
 
 
·
loan delinquencies may increase;
 
 
·
problem assets and foreclosures may increase;
 
 
·
demand for our products and services may decline;
 

 
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·
collateral for our loans may decline in value, in turn reducing a customer’s borrowing power and reducing the value of collateral securing our loans; and
 
 
·
the net worth and liquidity of loan guarantors may decline, impairing their ability to honor commitments to us.
 
Downturns in the real estate markets in our primary market area could hurt our business.
 
Our business activities and credit exposure are primarily concentrated in southeastern and southwestern Missouri and northeastern Arkansas. While we did not and do not have a sub-prime lending program, our residential real estate, construction and land loan portfolios, our commercial and multifamily loan portfolios and certain of our other loans could be affected by the downturn in the residential real estate market. We anticipate that significant declines in the real estate markets in our primary market area would hurt our business and would mean that collateral for our loans would hold less value. As a result, our ability to recover on defaulted loans by selling the underlying real estate would be diminished, and we would be more likely to suffer losses on defaulted loans. The events and conditions described in this risk factor could therefore have a material adverse effect on our business, results of operations and financial condition.
 
Our construction lending exposes us to significant risk.
 
Our construction loan portfolio, which totaled $ 38.5 million, or 6. 8 % of our loan portfolio, at March 31, 2011 , includes residential and non-residential construction and development loans. This type of lending is generally considered to have more complex credit risks than traditional single-family residential lending because the principal is concentrated in a limited number of loans with repayment dependent on the successful completion and sale of the related real estate project. Consequently, these loans are often more sensitive to adverse conditions in the real estate market or the general economy than other real estate loans. These loans are generally less predictable and more difficult to evaluate and monitor and collateral may be difficult to dispose of in a market decline. Additionally, we may experience significant construction loan losses because independent appraisers or project engineers inaccurately estimate the cost and value of construction loan projects.
 
Deterioration in our construction portfolio could result in increases in the provision for loan losses and an increase in charge-offs, all of which could have a material adverse effect on our financial condition and results of operations.
 
Our loan portfolio possesses increased risk due to our percentage of commercial real estate and commercial business loans.
 
At March 31, 2011 , 52.6 % of our loan portfolio consisted of commercial real estate and commercial business loans to small and mid-sized businesses, generally located in our primary market area, which are the types of businesses that have a heightened vulnerability to local economic conditions.  Over the last several years, we have increased this type of lending from 45.2% of our portfolio at June 30, 2006, in order to improve the yield on our assets.  At March 31, 2011 , our loan portfolio included $ 184 .0 million of commercial real estate loans and $ 115.3 million of commercial business loans compared to $65.4 million and $65.1 million, respectively, at June 30, 2006.  The credit risk related to these types of loans is considered to be greater than the risk related to one- to four-family residential loans because the repayment of commercial real estate loans and commercial business loans typically is dependent on the successful operation and income stream of the borrowers’ business and the real estate securing the loans as collateral, which can be significantly affected by economic conditions.  Additionally, commercial loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to
 

 
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residential real estate loans. Commercial loans not collateralized by real estate are often secured by collateral that may depreciate over time, be difficult to appraise and fluctuate in value (such as accounts receivable, inventory and equipment).  If loans that are collateralized by real estate become troubled and the value of the real estate has been significantly impaired, then we may not be able to recover the full contractual amount of principal and interest that we anticipated at the time we originated the loan, which could require us to increase our provision for loan losses and adversely affect our operating results and financial condition.
 
Several of our commercial borrowers have more than one commercial real estate or business loan outstanding with us. Consequently, an adverse development with respect to one loan or one credit relationship can expose us to significantly greater risk of loss compared to an adverse development with respect to any one- to four-family residential mortgage loan.  Finally, if we foreclose on a commercial real estate loan, our holding period for the collateral, if any, typically is longer than for one- to four-family residential property because there are fewer potential purchasers of the collateral.  Since we plan to continue to increase our originations of these loans, it may be necessary to increase the level of our allowance for loan losses due to the increased risk characteristics associated with these types of loans.  Any increase to our allowance for loan losses would adversely affect our earnings.  Any delinquent payments or the failure to repay these loans would hurt our earnings.
 
Included in the commercial real estate loans described above are agricultural real estate loans totaling $ 45.0 million, or 7.9 % of our loan portfolio, at March 31, 2011 . Agricultural real estate lending involves a greater degree of risk and typically involves larger loans to single borrowers than lending on single-family residences.  Payments on agricultural real estate loans are dependent on the profitable operation or management of the farm property securing the loan.  The success of the farm may be affected by many factors outside the control of the farm borrower, including adverse weather conditions that prevent the planting of a crop or limit crop yields (such as hail, drought and floods), loss of livestock due to disease or other factors, declines in market prices for agricultural products (both domestically and internationally) and the impact of government regulations (including changes in price supports, subsidies and environmental regulations).  In addition, many farms are dependent on a limited number of key individuals whose injury or death may significantly affect the successful operation of the farm.  If the cash flow from a farming operation is diminished, the borrower’s ability to repay the loan may be impaired.  The primary crops in our market areas are cotton, rice, corn and soybean.  Accordingly, adverse circumstances affecting these crops could have an adverse effect on our agricultural real estate loan portfolio.  Our agricultural real estate lending has grown significantly since June 30, 2006, when these loans totaled $5.6 million, or 2.0% of our loan portfolio.
 
Included in the commercial business loans described above are agricultural production and equipment loans.  At March 31, 2011 , these loans totaled $ 34.7 million, or 6.3% , of our loan portfolio.  As with agricultural real estate loans, the repayment of operating loans is dependent on the successful operation or management of the farm property.  Likewise, agricultural operating loans that are unsecured or secured by rapidly depreciating assets such as farm equipment or assets such as livestock or crops.  Any repossessed collateral for a defaulted loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation to the collateral.  Our agricultural operating loans have also grown significantly since June 30, 2006, when such loans totaled $11.1 million, or 4.0% of our loan portfolio.
 
Lack of seasoning of our commercial real estate and commercial business loan portfolios may increase the risk of credit defaults in the future.
 
Due to our increasing emphasis on commercial real estate and commercial business lending, a substantial amount of the loans in our commercial real estate and commercial business portfolios and our
 

 
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lending relationships are of relatively recent origin.  In general, loans do not begin to show signs of credit deterioration or default until they have been outstanding for some period of time, a process referred to as “seasoning.”  A portfolio of older loans will usually behave more predictably than a newer portfolio.  As a result, because a large portion of our loan portfolio is relatively new, the current level of delinquencies and defaults may not be representative of the level that will prevail when the portfolio becomes more seasoned, which may be higher than current levels.  If delinquencies and defaults increase, we may be required to increase our provision for loan losses, which would adversely affect our results of operations and financial condition.
 
Changes in interest rates may negatively affect our earnings and the value of our assets.
 
Our earnings and cash flows depend substantially upon our net interest income. Net interest income is the difference between interest income earned on interest-earnings assets, such as loans and investment securities, and interest expense paid on interest-bearing liabilities, such as deposits and borrowed funds. Interest rates are sensitive to many factors that are beyond our control, including general economic conditions, competition and policies of various governmental and regulatory agencies and, in particular, the policies of the Federal Reserve Board. Changes in monetary policy, including changes in interest rates, could influence not only the interest we receive on loans and investment securities and the amount of interest they pay on deposits and borrowings, but these changes could also affect: (i) our ability to originate loans and obtain deposits; (ii) the fair value of our financial assets and liabilities, including our securities portfolio; and (iii) the average duration of our interest-earning assets. This also includes the risk that interest-earning assets may be more responsive to changes in interest rates than interest-bearing liabilities, or vice versa (repricing risk), the risk that the individual interest rates or rate indices underlying various interest-earning assets and interest-bearing liabilities may not change in the same degree over a given time period (basis risk), and the risk of changing interest rate relationships across the spectrum of interest-earning asset and interest-bearing liability maturities (yield curve risk), including a prolonged flat or inverted yield curve environment. Any substantial, unexpected, prolonged change in market interest rates could have a material adverse affect on our financial condition and results of operations.
 
Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
 
Liquidity is essential to our business. An inability to raise funds through deposits, borrowings, the sale of loans and other sources could have a substantial negative effect on our liquidity. Our access to funding sources in amounts adequate to finance our activities or the terms of which are acceptable to us could be impaired by factors that affect us specifically or the financial services industry or economy in general. Factors that could detrimentally impact our access to liquidity sources include a decrease in the level of our business activity as a result of a downturn in the markets in which our loans are concentrated or an adverse regulatory action against us. Our ability to borrow could also be impaired by factors that are not specific to us, such as a disruption in the financial markets or negative views and expectations about the prospects for the financial services industry generally.
 
We have pursued a strategy of supplementing internal growth by acquiring other financial companies or their assets and liabilities that we believe will help us fulfill our strategic objectives and enhance our earnings. There are risks associated with this strategy, including the following:
 
 
·
We may be exposed to potential asset quality issues or unknown or contingent liabilities of the banks, businesses, assets and liabilities we acquire. If these issues or liabilities exceed our estimates, our results of operations and financial condition may be adversely affected;
 

 
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·
Prices at which acquisitions can be made fluctuate with market conditions. We have experienced times during which acquisitions could not be made in specific markets at prices we considered acceptable and expect that we will experience this condition in the future;
 
 
·
The acquisition of other entities generally requires integration of systems, procedures and personnel of the acquired entity into our company to make the transaction economically successful. This integration process is complicated and time consuming and can also be disruptive to the customers of the acquired business. If the integration process is not conducted successfully and with minimal effect on the acquired business and its customers, we may not realize the anticipated economic benefits of particular acquisitions within the expected time frame, and we may lose customers or employees of the acquired business. We may also experience greater than anticipated customer losses even if the integration process is successful.
 
 
·
To the extent our costs of an acquisition exceed the fair value of the net assets acquired, the acquisition will generate goodwill.  We are required to assess our goodwill for impairment at least annually, and any goodwill impairment charge could have a material adverse effect on our results of operations and financial condition;
 
 
·
To finance an acquisition, we may borrow funds, thereby increasing our leverage and diminishing our liquidity, or raise additional capital, which could dilute the interests of our existing shareholders; and
 
 
·
We have completed two acquisitions within the past two years and opened additional banking offices in the past few years that enhanced our rate of growth.  We may not be able to continue to sustain our past rate of growth or to grow at all in the future.
 
Our growth or future losses may require us to raise additional capital in the future, but that capital may not be available when it is needed or the cost of that capital may be very high.
 
We are required by federal and state regulatory authorities to maintain adequate levels of capital to support our operations. With the proceeds of the offering made by this prospectus, we anticipate that our capital resources will satisfy our capital requirements for the foreseeable future. We may at some point need to raise additional capital to support our operations or continued growth, both internally and through acquisitions. Any capital we obtain may result in the dilution of the interests of existing holders of our common stock, or otherwise adversely affect your investment.
 
Our ability to raise additional capital, if needed, will depend on conditions in the capital markets at that time, which are outside our control, and on our financial condition and performance. Accordingly, we cannot make assurances of our ability to raise additional capital if needed, or if the terms will be acceptable to us. If we cannot raise additional capital when needed, our ability to further expand our operations through internal growth and acquisitions could be materially impaired and our financial condition and liquidity could be materially and adversely affected.
 
Legislative or regulatory changes or actions, or significant litigation, could adversely impact us or the businesses in which we are engaged.
 
The financial services industry is extensively regulated. We are subject to extensive state and federal regulation, supervision and legislation that govern almost all aspects of our operations. Laws and regulations may change from time to time and are primarily intended for the protection of consumers,
 

 
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depositors and the deposit insurance funds, and not to benefit our shareholders. The impact of any changes to laws and regulations or other actions by regulatory agencies may negatively impact us or our ability to increase the value of our business. Regulatory authorities have extensive discretion in connection with their supervisory and enforcement activities, including the imposition of restrictions on the operation of an institution, the classification of assets by the institution and the adequacy of an institution’s allowance for loan losses. Additionally, actions by regulatory agencies or significant litigation against us could require us to devote significant time and resources to defending our business and may lead to penalties that materially affect us and our shareholders.
 
Impairment of investment securities, other intangible assets, or deferred tax assets could require charges to earnings, which could result in a negative impact on our results of operations.
 
In assessing the impairment of investment securities, we consider the length of time and extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuers, whether the market decline was affected by macroeconomic conditions and whether we have the intent to sell the debt security or will be required to sell the debt security before its anticipated recovery.  In fiscal 2009, we incurred charges to recognize the other-than-temporary impairment (OTTI) of available-for-sale investments related to investments in Freddie Mac preferred stock ($304,000 impairment realized in the first quarter of fiscal 2009) and a pooled trust preferred collateralized debt obligation, Trapeza CDO IV, Ltd., class C2 ($375,000 impairment realized in the second quarter of fiscal 2009).  The Company currently holds three additional collateralized debt obligations (CDOs) which have not been deemed other-than-temporarily impaired, based on the Company’s best judgment using information currently available.
 
Under current accounting standards, goodwill and certain other intangible assets with indeterminate lives are no longer amortized but, instead, are assessed for impairment periodically or when impairment indicators are present. As of March 31, 2011 , the Company determined that none of its goodwill or other intangible assets were impaired.
 
Deferred tax assets are only recognized to the extent it is more likely than not they will be realized. Should our management determine it is not more likely than not that the deferred tax assets will be realized, a valuation allowance with a charge to earnings would be reflected in the period. At June 30, 2010, the Company’s net deferred tax asset was $1.8 million, none of which was disallowed for regulatory capital purposes. Based on the levels of taxable income in prior years and the Company’s expectation of profitability in the current year and future years, management has determined that no valuation allowance was required at June 30, 2010. If the Company is required in the future to take a valuation allowance with respect to its deferred tax asset, its financial condition, results of operations and regulatory capital levels would be negatively affected.
 
The soundness of other financial institutions could adversely affect us.
 
Our ability to engage in routine funding transactions could be adversely affected by the actions and commercial soundness of other financial institutions. Financial services institutions are interrelated as a result of trading, clearing, counterparty or other relationships. We have exposure to many different industries and counterparties, and we routinely execute transactions with counterparties in the financial industry. As a result, defaults by, or even rumors or questions about, one or more financial services institutions, or the financial services industry generally, have led to market-wide liquidity problems and could lead to losses or defaults by us or by other institutions. Many of these transactions expose us to credit risk in the event of default of our counterparty or client. In addition, our credit risk may be exacerbated when the collateral that we hold cannot be realized upon or is liquidated at prices insufficient
 

 
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to recover the full amount of the loan. We cannot assure you that any such losses would not materially and adversely affect our business, financial condition or results of operations.
 
Non-compliance with USA Patriot Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
 
The USA Patriot and Bank Secrecy Acts require financial institutions to develop programs to prevent financial institutions from being used for money laundering and terrorist activities. If such activities are detected, financial institutions are obligated to file suspicious activity reports with the U.S. Treasury’s Office of Financial Crimes Enforcement Network. These rules require financial institutions to establish procedures for identifying and verifying the identity of customers seeking to open new financial accounts. Failure to comply with these regulations could result in fines or sanctions. During the last year, several banking institutions have received large fines for non-compliance with these laws and regulations. Although we have developed policies and procedures designed to assist in compliance with these laws and regulations, no assurance can be given that these policies and procedures will be effective in preventing violations of these laws and regulations.
 
New or changes in existing tax, accounting, and regulatory rules and interpretations could significantly impact strategic initiatives, results of operations, cash flows, and financial condition.
 
The financial services industry is extensively regulated. Federal and state banking regulations are designed primarily to protect the deposit insurance funds and consumers, not to benefit a financial company's shareholders. These regulations may sometimes impose significant limitations on operations. The significant federal and state banking regulations that affect us are described in this report under the heading “Item 1. Business-Supervision and Regulation” in our Annual Report on Form 10-K for the fiscal year ended June 30, 2010.  These regulations, along with the currently existing tax, accounting, securities, insurance, and monetary laws, regulations, rules, standards, policies, and interpretations control the methods by which financial institutions. conduct business, implement strategic initiatives and tax compliance, and govern financial reporting and disclosures. These laws, regulations, rules, standards, policies, and interpretations are constantly evolving and may change significantly over time.
 
Significant legal actions could subject the Company to substantial liabilities.
 
The Company is from time to time subject to claims related to its operations. These claims and legal actions, including supervisory actions by the Company's regulators, could involve large monetary claims and significant defense costs. As a result, the Company may be exposed to substantial liabilities, which could adversely affect the Company's results of operations and financial condition.
 
Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.
 
We face substantial competition in all phases of our operations from a variety of different competitors. Our future growth and success will depend on our ability to compete effectively in this highly competitive environment. To date, we have grown our business successfully by focusing on our business lines in geographic markets and emphasizing the high level of service and responsiveness desired by our customers. We compete for loans, deposits and other financial services with other commercial banks, thrifts, credit unions, brokerage houses, mutual funds, insurance companies and specialized finance companies. Many of our competitors offer products and services which we do not offer, and many have substantially greater resources and lending limits, name recognition and market presence that benefit them in attracting business. In addition, larger competitors may be able to price loans and deposits more aggressively than we do, and smaller newer competitors may also be more aggressive in terms of pricing
 

 
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loan and deposit products than we are in order to obtain a share of the market. Some of the financial institutions and financial services organizations with which we compete are not subject to the same degree of regulation as is imposed on bank holding companies, federally insured state-chartered banks and national banks and federal savings banks. As a result, these nonbank competitors have certain advantages over us in accessing funding and in providing various services.
 
We are subject to security and operational risks relating to our use of technology that could damage our reputation and our business.
 
Security breaches in our internet banking activities could expose us to possible liability and damage our reputation. Any compromise of our security also could deter customers from using our internet banking services that involve the transmission of confidential information. We rely on standard internet security systems to provide the security and authentication necessary to effect secure transmission of data. These precautions may not protect our systems from compromises or breaches of our security measures that could result in damage to our reputation and our business. Additionally, we outsource our data processing to a third party. If our third party provider encounters difficulties or if we have difficulty in communicating with such third party, it will significantly affect our ability to adequately process and account for customer transactions, which would significantly affect our business operations.
 
Risks Associated With the Offering and the Company’s Stock
 
The Company’s participation in the U.S. Treasury’s TARP CPP restricts the Company’s ability to pay dividends to common shareholders, restricts the Company’s ability to repurchase shares of common stock, and could have other negative effects.
 
In December 2008, the Company sold to the U.S. Treasury $9.6 million of the TARP CPP preferred stock which will pay cumulative dividends at a rate of 5% for the first five years and 9% thereafter. The Company also issued to the U.S. Treasury a 10-year Warrant to purchase 114,326 shares of Company common stock at an exercise price of $12.53 per share. The Company has the right to redeem the TARP CPP preferred stock at any time subject to consultation with the Company’s federal banking regulator. The payment of dividends on the TARP CPP preferred stock reduces the amount of earnings available to pay dividends to common shareholders. This could negatively affect the ability of the Company to pay dividends on its common stock.
 
Under the TARP CPP, the Company is subject to restrictions on the payment of dividends to common shareholders and the repurchase of common stock. Until the earlier of December 5, 2011 and the date on which the U.S. Treasury no longer holds any shares of the TARP CPP preferred stock, the Company may not, without the U.S. Treasury’s approval, increase common dividends above $0.12 per share per quarter or repurchase any of its outstanding shares of common stock (subject to limited exceptions). These restrictions may reduce or prevent payment of dividends to common shareholders that would otherwise be paid if the Company was not a participant in the TARP CPP and could have an adverse effect on the market price of the Company’s common stock.  In addition, the Company may not pay any dividends at all on its common stock unless the Company is current on its dividend payments on the TARP CPP preferred stock. If the Company fails to pay in full dividends on the TARP CPP preferred stock for six dividend periods, whether consecutive or not, the holder of the TARP CPP preferred stock would have the right to elect two directors to the Company’s Board of Directors. This right would terminate only upon the Company paying dividends in full for four consecutive periods. This right could reduce the level of influence existing common shareholders have in the management policies of the Company.
 

 
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If the U.S. Treasury (or a subsequent holder) exercised the Warrant and purchased shares of common stock, each common shareholder’s percentage of ownership of the Company would be smaller. As a result, each shareholder might have less influence in the management policies of the Company than before exercise of the Warrant. This could also have an adverse effect on the market price of the Company’s common stock.
 
Unless the Company is able to redeem the TARP CPP preferred stock before December 5, 2013, the cost of this capital will increase on that date, from 5% (approximately $478,000 annually, not including accretion of the fair value discount on the issuance) to 9% (approximately $860,000 annually). Depending on the Company’s financial condition at the time, this increase in dividends on the TARP CPP preferred stock could have a negative effect on the Company’s capacity to pay common stock dividends.
 
Additional restrictions and requirements may be imposed by the U.S. Treasury or Congress on the Company at a later date. These restrictions may apply to the Company retroactively and their imposition is outside of the Company’s control.
 
If we defer payments of interest on our outstanding junior subordinated debt securities or if certain defaults relating to those debt securities occur, we will be prohibited from declaring or paying dividends or distributions on, and from making liquidation payments with respect to, our common stock.
 
As of March 31, 2011 , we had outstanding $7.2 million aggregate principal amount of junior subordinated debt securities issued in connection with the sale of trust preferred securities by a subsidiary of ours that is a statutory business trust.  We have also guaranteed those trust preferred securities.  The indenture under which the junior subordinated debt securities were issued, together with the guarantee, prohibits us, subject to limited exceptions, from declaring or paying any dividends or distributions on, or redeeming, repurchasing, acquiring or making any liquidation payments with respect to, any of our capital stock (including the TARP CPP preferred stock and our common stock) at any time when (i) there shall have occurred and be continuing an event of default under the indenture; or (ii) we are in default with respect to payment of any obligations under the guarantee; or (iii) we have elected to defer payment of interest on the junior subordinated debt securities. In that regard, we are entitled, at our option but subject to certain conditions, to defer payments of interest on the junior subordinated debt securities from time to time for up to five years.
 
Events of default under the indenture generally consist of our failure to pay interest on the junior subordinated debt securities under certain circumstances, our failure to pay any principal of or premium on such junior subordinated debt securities when due, our failure to comply with certain covenants under the indenture, and certain events of bankruptcy, insolvency or liquidation relating to us.
 
As a result of these provisions, if we were to elect to defer payments of interest on the junior subordinated debt securities, or if any of the other events described in clause (i) or (ii) of the first paragraph of this risk factor were to occur, we would be prohibited from declaring or paying any dividends on the TARP CPP preferred stock and our common stock, from redeeming, repurchasing or otherwise acquiring any of the TARP CPP preferred stock or our common stock, and from making any payments to holders of the TARP CPP preferred stock or our common stock in the event of our liquidation, which would likely have a material adverse effect on the market value of our common stock.  Moreover, without notice to or consent from the holders of our common stock or the TARP CPP preferred stock, we may issue additional series of junior subordinated debt securities in the future with terms similar to those of our existing junior subordinated debt securities or enter into other financing agreements that limit our ability to purchase or to pay dividends or distributions on our capital stock, including our common stock.
 

 
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The Company’s ability to pay dividends is limited and it may be unable to pay future dividends.
 
The Company’s ability to pay dividends is limited by regulatory restrictions and the need to maintain sufficient consolidated capital. The ability of the Bank to pay dividends to the Company is limited by its obligations to maintain sufficient capital and by other general restrictions on dividends that are applicable to banks. If the Company or the Bank does not satisfy these regulatory requirements, the Company would be unable to pay dividends on its common stock. Additional information on restrictions on payment of dividends by the Company and the Bank may be found at Item 5, and Note 12 of the Notes to Consolidated Financial Statements, included in Exhibit 13 of the Company’s Annual Report on Form 10-K for the fiscal year ended June 30, 2010.
 
The offering will dilute the ownership percentage of our existing shareholders and the ownership of our common stock may change significantly.
 
We intend to raise significant capital through the offering. Our directors and executive officers and individuals who reside in our markets currently hold a significant percentage of our common stock. Upon the successful completion of the offering, the ownership percentage of existing shareholders will be diluted unless they purchase shares in the offering in an amount proportional to their existing ownership. As a result, following the offering, a significant portion of our common stock may be held by individuals and institutions outside of our market area whose interests may differ from our current shareholders. In addition, one or more individuals or institutions may seek to acquire a significant percentage of ownership in our common stock in the offering, subject to any applicable regulatory approvals. Those shareholders may have interests that differ from those of our current shareholder base, and they may vote in a way with which our current shareholders disagree.
 
The market price of the Company’s common stock can be volatile, which may make it more difficult to resell Company common stock at a desired time and price.
 
Stock price volatility may make it more difficult for a shareholder to resell Company common stock when a shareholder wants to and at prices a shareholder finds attractive or at all. The Company’s stock price can fluctuate significantly in response to a variety of factors. General market fluctuations, industry factors and general economic and political conditions and events, such as economic slowdowns or recessions, interest rate changes or credit loss trends, could also cause the Company’s stock price to decrease regardless of operating results.
 
The Company’s common stock trading volume may not provide adequate liquidity for investors.
 
Our common stock is listed on the Nasdaq Global Market. The average daily trading volume for Company common stock is far less than the corresponding trading volume for larger financial institutions. Due to this relatively low trading volume, significant sales of Company common stock, or the expectation of these sales, may place significant downward pressure on the market price of Company common stock. No assurance can be given that a more active trading market in our common stock will develop in the foreseeable future or can be maintained.
 
The Company may issue additional shares of its common stock in the future, which could dilute a shareholder’s ownership of common stock.
 
The Company’s articles of incorporation authorize its Board of Directors, generally without shareholder approval, to, among other things, issue additional shares of common or preferred stock. The issuance of any additional shares of common or preferred stock could be dilutive to a shareholder’s ownership of Company common stock. To the extent that the Company issues options or warrants to
 

 
23
 
 

purchase common stock in the future and the options or warrants are exercised, the Company’s shareholders may experience further dilution. Holders of shares of Company common stock have no preemptive rights that entitle holders to purchase their pro rata share of any offering of shares of any class or series and, therefore, shareholders may not be permitted to invest in future issuances of Company common or preferred stock. We are required by federal and state regulatory authorities to maintain adequate levels of capital to support our operations. Accordingly, regulatory requirements and/or deterioration in our asset quality may require us to sell common stock to raise capital under circumstances and at prices which result in substantial dilution.
 
The Company’s common stock is not insured by any governmental entity.
 
Our common stock is not a deposit account or other obligation of any bank and is not insured by the FDIC or any other governmental entity. Investment in Company common stock is subject to risk, including possible loss.
 
The Company may issue debt and equity securities that are senior to Company common stock as to distributions and in liquidation, which could negatively affect the value of Company common stock.
 
In the future, the Company may increase its capital resources by entering into debt or debt-like financing or issuing debt or equity securities, which could include issuances of senior notes, subordinated notes, preferred stock or common stock. In the event of the Company’s liquidation, its lenders and holders of its debt or preferred securities would receive a distribution of the Company’s available assets before distributions to the holders of Company common stock. The Company’s decision to incur debt and issue securities in future offerings will depend on market conditions and other factors beyond its control. The Company cannot predict or estimate the amount, timing or nature of its future offerings and debt financings. Future offerings could reduce the value of shares of Company common stock and dilute a shareholder’s interest in the Company.
 
The Company will retain broad discretion in using the net proceeds from the offering, and might not use the proceeds effectively.
 
We intend to use a portion of the net proceeds of the offering to contribute to the capital of the Bank to increase the Bank’s capital and regulatory capital ratios and for general corporate purposes, including funding organic loan growth and long-term strategic opportunities and potentially to pay off some or all of the  TARP CPP preferred stock.  However, the Company has not designated the amount of net proceeds it will use for any particular purpose and the Company’s management will retain broad discretion to allocate the net proceeds of the offering. The net proceeds may be applied in ways with which some investors in the offering may not agree. Moreover, the Company’s management may use the proceeds for corporate purposes that may not increase our market value or make the Company more profitable. In addition, it may take the Company some time to effectively deploy the proceeds from the offering. Until the proceeds are effectively deployed, the Company’s return on equity and earnings per share may be negatively impacted. Management’s failure to use the net proceeds of the offering effectively could have an adverse effect on the Company’s business, financial condition and results of operations.
 
Anti-takeover provisions could negatively impact the Company’s shareholders.
 
The Company’s articles of incorporation and the laws of Missouri include provisions which are designed to provide the Company’s Board of Directors with time to consider whether a hostile takeover offer is in the best interests of the Company and its shareholders. These provisions could discourage potential acquisition proposals and could delay or prevent a change in control. The provisions also could
 

 
24
 
 

diminish the opportunities for a holder of Company common stock to participate in tender offers, including tender offers at a price above the then-current price for Company common stock. These provisions could also prevent transactions in which the Company’s shareholders might otherwise receive a premium for their shares over then-current market prices, and may limit the ability of our shareholders to approve transactions that they may deem to be in their best interests. See “Description of Capital Stock – Anti-takeover Effects of the Company’s Organizational Documents and Applicable Law.”
 
USE OF PROCEEDS
 
We estimate the net proceeds from the offering, after underwriting discounts and commissions and estimated expenses, will be approximately $[•], or approximately $[•] if the underwriter exercises its over-allotment option in full. We intend to use approximately half of the net proceeds of the offering , or $____ million ($____ million if the underwriter exercises its over-allotment option in full), to contribute to the capital of the Bank. Funds contributed to the Bank will be used by the Bank for general operating purposes which may include, among others, funding of loans and investment in securities. The proceeds of the offering which are not contributed to the Bank will be used by the Company for general corporate purposes which may include, among others, redemption of some or all of our outstanding TARP CPP preferred stock to the extent we do not participate in the U.S. Treasury’s new Small Business Lending Fund program, payment of dividends and pursuing strategic opportunities that may be presented to the Company in the future. We do not currently have any agreements or commitments with respect to any acquisitions. We would need the approval of our primary regulator to redeem the TARP CPP preferred stock, which we have not yet sought.  If we receive that approval and decide to redeem all of the TARP CPP preferred stock, we may also decide to repurchase the warrant we issued to the U.S. Treasury in connection with the TARP CPP, subject to our ability to negotiate an acceptable repurchase price with the U.S. Treasury.   Initially, a substantial portion of the net proceeds retained by the Company will be invested in short-term investments and government agency backed mortgage-backed securities, as well as investment-grade debt obligations.
 

 
25
 
 

CAPITALIZATION
 
The following table sets forth our consolidated capitalization as of March 31, 2011 . Our capitalization is presented on a historical basis and on an as-adjusted basis as if the offering had been completed as of March 31, 2011 and assuming the sale of [•] shares of common stock at a price of $[•] per share and that the underwriter’s over-allotment option is not exercised, resulting in net proceeds of approximately $[•] million after deducting underwriting commissions and estimated expenses and as further adjusted assuming that a portion of the net proceeds are utilized to redeem all of the TARP CPP preferred stock.  If we redeem all of the TARP CPP preferred stock, we may also decide to repurchase the warrant we issued to the U.S. Treasury in connection with the TARP CPP, subject to our ability to negotiate an acceptable repurchase price with the U.S. Treasury.  The table below does not reflect the possible repurchase of the warrant.
 
The following unaudited information should be read in conjunction with our consolidated financial statements for the year ended June 30, 2010, and related notes, included in Exhibit 13 of our Annual Report on Form 10-K for the year ended June 30, 2010, and our unaudited consolidated financial statements for the nine months ended March 31, 2011 , and related notes, included in our Quarterly Report on Form 10-Q for the quarter ended March  31, 2011 , which reports are incorporated by reference into this prospectus. See “Incorporation of Certain Information by Reference.”
 
 
At
March 31, 2011
 
Actual
 
As Adjusted
to Reflect
the Offering
 
As Adjusted
to Reflect
TARP
Redemption
 
(Unaudited)
(Dollars in thousands)
 
Stockholders’ Equity:
                     
   Preferred stock; $0.01 par value - 500,000 shares authorized;
       9,550 shares issued and outstanding, $1,000 liquidation value;
$
9, 447
   
$
9,438
     
--
 
   Common stock; $0.01 par value; 4,000,000 shares authorized;
       2,957,226 and [•] shares issued, respectively
 
29
     
[•]
     
[•]
 
   Warrants to acquire common stock
 
177
     
177
     
177
 
   Additional paid-in capital
 
16, 270
     
[•]
     
[•]
 
   Retained earnings
 
40,781
     
40,781
     
40,781
 
   Treasury stock of 869,250 shares, at cost
 
(13, 776
)
   
(13, 776
)
   
(13, 776
)
   Accumulated other comprehensive income (loss), net of tax
 
( 54
)
   
(54
)
   
(54
)
   Total stockholders’ equity
$
52,874
   
$
[•]
     
[•]
 
                       
   Book value per common share
$
20.74
     
[•]
     
[•]
 
   Tangible book value per common share(1)
$
19.79
   
$
[•]
     
[•]
 
   Tangible common equity to tangible assets(1)
 
5. 92 %
     
[•]
     
[•]
 
                       
Bank regulatory capital ratios:
                     
   Tier 1 capital/average tangible assets
 
8.33 %
     
[•]
     
[•]
 
   Tier 1 capital/total risk-based assets
 
10. 84 %
     
[•]
     
[•]
 
   Total capital/risk-weighted assets
 
12.10 %
     
[•]
     
[•]
 
______________
(1)
Non-GAAP financial information.  See footnote (3) to the table set forth in “Prospectus Summary – Summary of Selected Consolidated Financial Information.”
 
In addition, basic and diluted earnings per share available to common stockholders for the nine months ended March 31, 2011 and 2010, based upon the assumptions set forth for the table above, would have been $____ and $____, respectively, as adjusted to reflect the offering and $____ and $____, respectively, as adjusted to reflect TARP redemption.  In subsequent quarters, no additional dividends will be required to be paid on the redeemed preferred stock and, as a result, an additional $119,375, plus what had been the amortization of the fair value discount on the preferred stock, would be included in earnings available to common stockholders on a going forward basis.
 
 
26
 
 

MARKET FOR COMMON STOCK AND DIVIDEND INFORMATION
 
Our common stock is listed on the Nasdaq Global Market under the symbol “SMBC.” The average daily trading volume for our common stock is far less than the corresponding trading volume for larger financial institutions. Information about our historical trading volume and share price may be found under the symbol “SMBC” on certain financial websites. No assurance can be given that an active trading market in our common stock will develop in the foreseeable future or can be maintained.
 
The following table shows the high and low closing prices of common stock of the Company for each quarter of fiscal 2010 and 2009, for the quarters ended September 30, 2010, December 31, 2010 and March 31, 2011, and for April 1, 2011 through _______ , 2011. The prices listed below are as reported on the Nasdaq Global Market. They reflect inter-dealer prices without retail markup, markdown or commission and may not necessarily represent actual transactions. They also do not include private transactions not involving brokers or dealers. The Company had 254 shareholders of record as of May 6, 2011.
 
 
Date
 
High
 
Low
 
                 
 
Fiscal 2011
             
 
   4th Quarter (through ____ , 2011)
   
$ ____
   
$ ____
 
 
   3rd Quarter
   
24.10
   
17.00
 
 
   2nd Quarter
   
17.70
   
14.65
 
 
   1st  Quarter
   
16.01
   
14.03
 
 
Fiscal 2010
             
 
   4th Quarter
   
16.75
   
14.15
 
 
   3rd Quarter
   
14.50
   
11.80
 
 
   2nd Quarter
   
11.80
   
10.80
 
 
   1st Quarter
   
12.15
   
9.39
 
 
Fiscal 2009
             
 
   4th Quarter
   
11.00
   
8.99
 
 
   3rd Quarter
   
11.70
   
7.63
 
 
   2nd Quarter
   
14.91
   
9.87
 
 
   1st Quarter
   
15.01
   
12.36
 

The following table summarizes cash dividends declared per share of Company common stock during fiscal 2011, 2010 and 2009:
 
 
Quarter
 
Fiscal
2011
 
Fiscal
2010
 
Fiscal
2009
 
                       
 
4th Quarter  (through ____, 2011) 
$
0.12
 
$
0.12
 
$
0.12
 
 
3rd Quarter
   
0.12
   
0.12
   
0.12
 
 
2nd Quarter
   
0.12
   
0.12
   
0.12
 
 
1st Quarter
   
0.12
   
0.12
   
0.12
 

Additional information on restrictions on payment of dividends by the Company and the Bank, which is incorporated herein by reference, may be found in:
 
 
·
This prospectus above under the headings “Risk Factors - The Company’s participation in U.S. Treasury’s TARP Capital Purchase Program restricts the Company’s ability to pay dividends to common shareholders, restricts the Company’s ability to repurchase
 

 
27
 
 

 
 
 
 
 
shares of common stock, and could have other negative effects” and “Risk Factors - If we defer payments of interest on our outstanding junior subordinated debt securities or if certain defaults relating to those debt securities occur, we will be prohibited from declaring or paying dividends or distributions on, and from making liquidation payments with respect to, our common stock”; and
 
 
·
Our Annual Report on Form 10-K for the year ended June 30, 2010 in “Part II, Item 5 - Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities,” and in Exhibit 13, under the heading “Common Share Data,” and in Note 12 of the Notes to Consolidated Financial Statements.
 
DESCRIPTION OF CAPITAL STOCK
 
The Company is authorized to issue 4,500,000 shares of capital stock consisting of 4,000,000 shares of common stock, $0.01 par value, and 500,000 shares of preferred stock, $0.01 par value. As of ____ , 2011, there were  2,097,976 shares of our common stock outstanding and 9,550 shares of our preferred stock outstanding, all of which were shares of TARP CPP preferred stock. We currently expect to issue [•] shares, subject to adjustment, of common stock and no shares of preferred stock in the offering.
 
Common Stock
 
General. Each share of common stock will have the same relative rights and will be identical in all respects with every other share of common stock. Common shareholders do not have the right to vote cumulatively in the election of directors. Subject to any superior rights of any holders of preferred shares, each outstanding common share will be entitled to such dividends as may be declared from time to time by our Board of Directors out of legally available funds. In the event of our liquidation, dissolution or winding up, common shareholders will be entitled to their proportionate share of any assets remaining after payment of liabilities and any amounts due to the holders of preferred stock. Common shareholders have no preemptive rights and no right to convert or exchange their shares of common stock into any other securities. No preemptive rights, redemption or sinking fund provisions apply to the shares of our common stock. All outstanding shares of common stock are, and all shares of common stock to be outstanding upon completion of the offering will be, fully paid and non-assessable.
 
Stock Exchange Listing. Our common stock is listed on the Nasdaq Global Market under the symbol “SMBC.”
 
Transfer Agent.  Registrar and Transfer Company is the transfer agent and registrar for our common stock.
 
Preferred Stock - General
 
Our Board of Directors is authorized, generally without shareholder approval, to issue from time to time up to 500,000 shares of preferred stock (of which 9,550 shares have been issued) in one or more series and to fix the rights, preferences, privileges and restrictions granted to or imposed upon the preferred shares, including voting rights, dividend rights, conversion rights, terms of redemption, liquidation preference, sinking fund terms and the number of shares constituting any series or the designation of a series. Our Board of Directors may, without shareholder approval, issue preferred shares with voting and conversion rights that could adversely affect the voting power of common shareholders. Any preferred shares issued would also rank senior to our common stock as to rights upon liquidation, winding-up or dissolution. The issuance of convertible preferred shares could have the effect of delaying,
 

 
28
 
 

deferring or preventing a change in control of our company. We have no present plan to issue any additional preferred shares.
 
We presently have issued and outstanding 9,550 shares of our Fixed Rate Cumulative Perpetual Preferred Stock, Series A, $0.01 par value, which we sometimes refer to in this prospectus as the TARP CPP preferred stock. In connection with the issuance of the TARP CPP preferred stock, we also issued a warrant to purchase 114,326 shares of our common stock, which remains outstanding. Additional information about the terms and conditions of the preferred stock and the warrant may be found in this prospectus above under the heading “Risk Factors - The Company’s participation in U.S. Treasury’s TARP Capital Purchase Program restricts the Company’s ability to pay dividends to common shareholders, restricts the Company’s ability to repurchase shares of common stock, and could have other negative effects” and under “—TARP CPP Preferred Stock” below.
 
TARP CPP Preferred Stock
 
The description of the TARP CPP preferred stock contained in this section is qualified in its entirety by the actual terms of the TARP CPP preferred stock, as are stated in the certificate of designation for the TARP CPP preferred stock, a copy of which is included in Exhibit 3.1(ii) to the registration statement of which this prospectus is a part.  See “Where You Can Find More Information.”
 
General. The TARP CPP preferred stock constitutes a single series of our preferred stock, consisting of 9,550 shares, par value $0.01 per share, having a liquidation preference amount of $1,000 per share. The TARP CPP preferred stock has no maturity date. We issued the shares of TARP CPP preferred stock to the U.S. Treasury on December 5, 2008 in connection with the TARP Capital Purchase Program for a purchase price of $9.55 million.
 
Dividend Rate. Dividends on the TARP CPP preferred stock are payable quarterly in arrears, when, as and if authorized and declared by our Board of Directors out of legally available funds, on a cumulative basis on the $1,000 per share liquidation preference amount plus the amount of accrued and unpaid dividends for any prior dividend periods, at a rate of (i) 5% per annum, from the original issuance date to but excluding the first day of the first dividend period commencing after the fifth anniversary of the original issuance date (i.e., 5% per annum from December 5, 2008 to but excluding February 15, 2014), and (ii) 9% per annum, from and after the first day of the first dividend period commencing after the fifth anniversary of the original issuance date (i.e., 9% per annum on and after February 15, 2014). Dividends are payable quarterly in arrears on February 15, May 15, August 15 and November 15 of each year, commencing on February 15, 2009.
 
Dividends on the TARP CPP preferred stock will be cumulative. If for any reason our Board of Directors does not declare a dividend on the TARP CPP preferred stock for a particular dividend period, or if the Board of Directors declares less than a full dividend, we will remain obligated to pay the unpaid portion of the dividend for that period and the unpaid dividend will compound on each subsequent dividend date (meaning that dividends for future dividend periods will accrue on any unpaid dividend amounts for prior dividend periods).
 
We are not obligated to pay holders of the TARP CPP preferred stock any dividend in excess of the dividends on the TARP CPP preferred stock that are payable as described above. There is no sinking fund with respect to dividends on the TARP CPP preferred stock.
 
Priority of Dividends. So long as the TARP CPP preferred stock remains outstanding, we may not declare or pay a dividend or other distribution on our common stock or any other shares of Junior Stock (other than dividends payable solely in common stock) or Parity Stock (other than dividends paid
 

 
29
 
 

on a pro rata basis with the TARP CPP preferred stock), and we generally may not directly or indirectly purchase, redeem or otherwise acquire any shares of common stock, Junior Stock or Parity Stock unless all accrued and unpaid dividends on the TARP CPP preferred stock for all past dividend periods are paid in full.
 
“Junior Stock” means our common stock and any other class or series of our stock the terms of which expressly provide that it ranks junior to the TARP CPP preferred stock as to dividend rights and/or as to rights on liquidation, dissolution or winding up of Southern Missouri Bancorp. We currently have no outstanding class or series of stock constituting Junior Stock other than our common stock.
 
“Parity Stock” means any class or series of our stock, other than the TARP CPP preferred stock, the terms of which do not expressly provide that such class or series will rank senior or junior to the TARP CPP preferred stock as to dividend rights and/or as to rights on liquidation, dissolution or winding up of Southern Missouri Bancorp, in each case without regard to whether dividends accrue cumulatively or non-cumulatively. We currently have no outstanding class or series of stock constituting Parity Stock.
 
Liquidation Rights.  In the event of any voluntary or involuntary liquidation, dissolution or winding up of the affairs of Southern Missouri Bancorp, holders of the TARP CPP preferred stock will be entitled to receive for each share of TARP CPP preferred stock, out of the assets of Southern Missouri Bancorp or proceeds available for distribution to our stockholders, subject to any rights of our creditors, before any distribution of assets or proceeds is made to or set aside for the holders of our common stock and any other class or series of our stock ranking junior to the TARP CPP preferred stock, payment of an amount equal to the sum of (i) the $1,000 liquidation preference amount per share and (ii) the amount of any accrued and unpaid dividends on the TARP CPP preferred stock (including dividends accrued on any unpaid dividends). To the extent the assets or proceeds available for distribution to stockholders are not sufficient to fully pay the liquidation payments owing to the holders of the TARP CPP preferred stock and the holders of any other class or series of our stock ranking equally with the TARP CPP preferred stock, the holders of the TARP CPP preferred stock and such other stock will share ratably in the distribution.
 
For purposes of the liquidation rights of the TARP CPP preferred stock, neither a merger or consolidation of Southern Missouri Bancorp with another entity nor a sale, lease or exchange of all or substantially all of Southern Missouri Bancorp's assets will constitute a liquidation, dissolution or winding up of the affairs of Southern Missouri Bancorp.
 
Redemption and Repurchases. Subject to the prior approval of the Federal Reserve Board, the TARP CPP preferred stock is redeemable at our option in whole or in part at a redemption price equal to 100% of the liquidation preference amount of $1,000 per share plus any accrued and unpaid dividends to but excluding the date of redemption (including dividends accrued on any unpaid dividends), provided that any declared but unpaid dividend payable on a redemption date that occurs subsequent to the record date for the dividend will be payable to the holder of record of the redeemed shares on the dividend record date, and provided further that the TARP CPP preferred stock may be redeemed prior to the first dividend payment date falling after the third anniversary of the original issuance date (i.e., prior to February 15, 2012) only if (i) we have, or our successor following a business combination with another entity which also participated in the TARP Capital Purchase Program has, raised aggregate gross proceeds in one or more Qualified Equity Offerings of at least the Minimum Amount and (ii) the aggregate redemption price of the TARP CPP preferred stock does not exceed the aggregate net proceeds from such Qualified Equity Offerings by us and any successor. The "Minimum Amount" means $2,387,500 plus, in the event we are succeeded in a business combination by another entity which also participated in the TARP Capital Purchase Program, 25% of the aggregate liquidation preference amount of the preferred stock issued by that entity to the U.S. Treasury.   A “Qualified Equity Offering”
 

 
30
 
 

is defined as the sale for cash by Southern Missouri Bancorp (or its successor) of preferred stock or common stock that qualifies as Tier 1 capital under applicable regulatory capital guidelines.
 
Subsequent to our issuance of the TARP CPP preferred stock, on February 17, 2009, the American Recovery and Reinvestment Act of 2009 (the “ARRA”) was enacted into law. Among other things, the ARRA provides that subject to consulting with the appropriate federal banking agency (the Federal Reserve Board in our case), the U.S. Treasury must permit repayment of funds provided under the TARP Capital Purchase Program without regard to whether the institution which received the funds has replaced the funds from any other source
 
Shares of TARP CPP preferred stock that we redeem, repurchase or otherwise acquire will revert to authorized but unissued shares of preferred stock, which may then be reissued by us as any series of preferred stock other than the TARP CPP preferred stock.
 
No Conversion Rights. Holders of the TARP CPP preferred stock have no right to exchange or convert their shares into common stock or any other securities.
 
Voting Rights. The holders of the TARP CPP preferred stock do not have voting rights other than those described below, except to the extent specifically required by Missouri law.
 
Whenever dividends have not been paid on the TARP CPP preferred stock for six or more quarterly dividend periods, whether or not consecutive, the authorized number of directors of Southern Missouri Bancorp will automatically increase by two and the holders of the TARP CPP preferred stock will have the right, with the holders of shares of any other classes or series of Voting Parity Stock outstanding at the time, voting together as a class, to elect two directors (the “Preferred Directors”) to fill such newly created directorships at our next annual meeting of stockholders (or at a special meeting called for that purpose prior to the next annual meeting) and at each subsequent annual meeting of stockholders until all accrued and unpaid dividends for all past dividend periods on all outstanding shares of TARP CPP preferred stock have been paid in full at which time this right will terminate with respect to the TARP CPP preferred stock, subject to revesting in the event of each and every subsequent default by us in the payment of dividends on the TARP CPP preferred stock.
 
Upon any termination of the right of the holders of the TARP CPP preferred stock and Voting Parity Stock as a class to vote for directors as described above, the Preferred Directors will cease to be qualified as directors, the terms of office of all Preferred Directors then in office will terminate immediately and the authorized number of directors will be reduced by the number of Preferred Directors which had been elected by the holders of the TARP CPP preferred stock and the Voting Parity Stock. Any Preferred Director may be removed at any time, with or without cause, and any vacancy created by such a removal may be filled, only by the affirmative vote of the holders a majority of the outstanding shares of TARP CPP preferred stock voting separately as a class together with the holders of shares of Voting Parity Stock, to the extent the voting rights of such holders described above are then exercisable. If the office of any Preferred Director becomes vacant for any reason other than removal from office, the remaining Preferred Director may choose a successor who will hold office for the unexpired term of the office in which the vacancy occurred.
 
The term “Voting Parity Stock” means with regard to any matter as to which the holders of the TARP CPP preferred stock are entitled to vote, any series of Parity Stock (as defined under “-Dividends-Priority of Dividends”) upon which voting rights similar to those of the TARP CPP preferred stock have been conferred and are exercisable with respect to such matter. We currently have no outstanding shares of Voting Parity Stock.
 

 
31
 
 

In addition to any other vote or consent required by Missouri law or by our articles of incorporation, the vote or consent of the holders of at least 66 2/3% of the outstanding shares of TARP CPP preferred stock, voting as a separate class, is required in order to do the following:
 
 
·
amend our articles of incorporation or the certificate of designation for the TARP CPP preferred stock to authorize or create or increase the authorized amount of, or any issuance of, any shares of, or any securities convertible into or exchangeable or exercisable for shares of, any class or series of stock ranking senior to the TARP CPP preferred stock with respect to the payment of dividends and/or the distribution of assets on any liquidation, dissolution or winding up of Southern Missouri Bancorp; or
 
 
·
amend our articles of incorporation or the certificate of designation for the TARP CPP preferred stock in a way that materially and adversely affect the rights, preferences, privileges or voting powers of the TARP CPP preferred stock; or
 
 
·
consummate a binding share exchange or reclassification involving the TARP CPP preferred stock or a merger or consolidation of Southern Missouri Bancorp with another entity, unless (i) the shares of TARP CPP preferred stock remain outstanding or, in the case of a merger or consolidation in which Southern Missouri Bancorp is not the surviving or resulting entity, are converted into or exchanged for preference securities of the surviving or resulting entity or its ultimate parent, and (ii) the shares of TARP CPP preferred stock remaining outstanding or such preference securities, have such rights, preferences, privileges, voting powers, limitations and restrictions, taken as a whole, as are not materially less favorable than the rights, preferences, privileges, voting powers, limitations and restrictions of the TARP CPP preferred stock prior to consummation of the transaction, taken as a whole;
 
provided, however, that (1) any increase in the amount of our authorized but unissued shares of preferred stock, and (2) the creation and issuance, or an increase in the authorized or issued amount, of any other series of preferred stock, or any securities convertible into or exchangeable or exercisable for any other series of preferred stock, ranking equally with and/or junior to the TARP CPP preferred stock with respect to the payment of dividends, whether such dividends are cumulative or non-cumulative and the distribution of assets upon our liquidation, dissolution or winding up, will not be deemed to materially and adversely affect the rights, preferences, privileges or voting powers of the TARP CPP preferred stock and will not require the vote or consent of the holders of the TARP CPP preferred stock.
 
To the extent holders of the TARP CPP preferred stock are entitled to vote, holders of shares of the TARP CPP preferred stock will be entitled to one vote for each share then held.
 
Anti-Takeover Effects of the Company’s Organizational Documents and Applicable Law
 
Certain provisions of our articles of incorporation and bylaws and Missouri and federal law may have an effect of delaying, deferring or preventing a change in control of the Company and that would operate only with respect to extraordinary corporate transactions, such as a merger, reorganization, tender offer, sale or transfer of substantially all assets, or liquidation. These provisions may have the effect of discouraging a future transaction that individual shareholders may believe is in their best interests or in which shareholders may receive a substantial premium for their shares over the then current market price. As a result, if you want to participate in such a transaction, you may not have an opportunity to do so.
 
Authorized Shares. Our articles of incorporation authorize the issuance of 4,000,000 shares of common stock and 500,000 shares of preferred stock.  These shares of common stock and preferred stock
 

 
32
 
 

provide our Board of Directors with as much flexibility as possible to effect, among other transactions, financings, acquisitions, stock dividends, stock splits and the exercise of employee stock options.  However, these additional authorized shares may also be used by the Board of Directors consistent with its fiduciary duty to deter future attempts to gain control of us.  The Board of Directors also has sole authority to determine the terms of any one or more series of preferred stock, including voting rights, conversion rates, and liquidation preferences.  As a result of the ability to fix voting rights for a series of preferred stock, the Board has the power to the extent consistent with its fiduciary duty to issue a series of preferred stock to persons friendly to management in order to attempt to block a tender offer, merger or other transaction by which a third party seeks control of us, and thereby assist members of management to retain their positions.
 
Voting Limitation.  Our articles of incorporation provide that any person who beneficially owns in excess of 10% of the outstanding shares of our common stock may not vote the excess shares without the prior approval of a majority of the whole Board (defined as the total number of directors we would have if there were no vacancies on the Board).  This provision could limit the voting power of a beneficial owner of more than 10% of our outstanding shares of common stock in a proxy contest or on other matters on which such person is entitled to vote.
 
The Missouri General and Business Corporation Law contains a control share acquisition statute which, in general terms, provides that where a shareholder acquires issued and outstanding shares of a corporation’s voting stock (referred to as control shares) within one of several specified ranges (one-fifth or more but less than one-third, one-third or more but less than a majority, or a majority or more), approval by shareholders of the control share acquisition must be obtained before the acquiring shareholder may vote the control shares. The required shareholder vote is a majority all votes entitled to be cast, excluding “interested shares,” defined as shares held by the acquiring person, officers of the corporation and employees who are also directors of the corporation. A corporation may opt-out of the control share statute through a provision in its articles of incorporation or bylaws, which we have not done.  Accordingly, the Missouri control share acquisition statute applies to acquisitions of shares of our common stock.
 
Board of Directors.  Except with respect to any directors who may be elected by any class or series of preferred stock, our Board of Directors is divided into three classes, each of which contains one-third of the members of the Board.  The members of each class are elected for a term of three years, with the terms of office of all members of one class expiring each year so that approximately one-third of the total number of directors is elected each year.  The classification of directors, together with the provisions in our articles of incorporation described below that limit the ability of shareholders to remove directors and that permit only the remaining directors to fill any vacancies on the Board of Directors, have the effect of making it more difficult for shareholders to change the composition of the Board of Directors. As a result, at least two annual meetings of shareholders will be required for the shareholders to change a majority of the directors, whether or not a change in the Board of Directors would be beneficial and whether or not a majority of shareholders believe that such a change would be desirable. Our articles of incorporation provide that shareholders may not cumulate their votes in the election of directors.
 
Our articles of incorporation provide that we will have the number of directors as may be fixed from time to time by our Board of Directors, provided that the number fixed by the Board may not be less than five nor more than 15.   Southern Missouri Bancorp currently has nine directors.  Our articles of incorporation also provide that vacancies in the Board of Directors may be filled by a majority vote of the directors then in office, though less than a quorum, and any director so chosen shall hold office until the next election of directors by shareholders.  Our articles of incorporation further provide that any director or the entire Board of Directors may be removed from office only for cause and only upon the affirmative vote of the holders of least 80% of the total votes to which all of the shares then entitled to vote at a
 

 
33
 
 

meeting of shareholders called for an election of directors are entitled, provided that if less than the entire Board is to be removed, no individual director may be removed the votes cast against his or her removal would be sufficient to elect him or her as a director if cumulatively voted in an election of directors.
 
The foregoing description of our Board of Directors does not apply with respect to directors that may be elected by the holders of the TARP CPP preferred stock in the event we do not pay dividends on the TARP CPP preferred stock for six or more dividend periods.  See “—TARP CPP Preferred Stock—Voting Rights.”
 
Special Meetings of Shareholders.  Our bylaws provide that special meetings of shareholders may only be called by our Board of Directors.
 
Action by Shareholders Without A Meeting.  The Missouri General and Business Corporation Law provides that any action required or permitted to be taken at a meeting of shareholders may be taken without a meeting only if consents in writing setting forth the action are signed by all of the shareholders entitled to vote.
 
Business Combinations With Certain Persons. Our articles of incorporation provide that certain business combinations (for example, mergers, share exchanges, significant asset sales and significant stock issuances) involving “interested shareholders” of Southern Missouri Bancorp require, in addition to any vote required by law, the approval of (i) the holders of at least 80% of the voting power of the outstanding shares of stock entitled to vote generally in the election of directors, voting together as a single class, and (ii) the holders of at least a majority of the voting power of the outstanding shares of such stock not beneficially owned by the interested shareholder and its affiliates and associates, voting together as a single class, unless a majority of the whole Board has approved a memorandum of understanding with the interested shareholder with respect to, or on substantially the same terms as, the proposed business combination prior to the time the interested shareholder became an interested shareholder. An “interested shareholder” for purposes of this provision generally means a person who is a 10% or greater shareholder of Southern Missouri Bancorp or who is an affiliate or associate of Southern Missouri Bancorp and at any time within the prior two years was a 5% or greater shareholder of Southern Missouri Bancorp.
 
The Missouri General and Business Corporation Law contains a business combination statute that prohibits a business combination between a corporation and an interested shareholder (one who beneficially owns 20% or more of the voting power) for a period of five years after the interested shareholder first becomes an interested shareholder, unless the transaction has been approved by the board of directors before the interested shareholder became an interested shareholder or the corporation has exempted itself from the statute pursuant to a provision in its articles of incorporation. After the five-year period has elapsed, a corporation subject to the statute may not consummate a business combination with an interested shareholder unless the transaction has been approved by a majority of the votes entitled to be cast other than shares owned by the interested shareholder and its affiliates and associates. This approval requirement need not be met if certain fair price and terms criteria have been satisfied.  We are subject to the Missouri business combination statute.
 
Amendment of Articles of Incorporation and Bylaws.  Our articles of incorporation generally may be amended upon approval by our Board of Directors and the holders of a majority of the outstanding shares of our common stock.  The amendment of the provisions of our articles of incorporation pertaining to certain business combinations, as described above under “—Business Combinations with Certain Persons,” also requires the approval of the holders of at least 80% of the voting power of the outstanding shares of stock entitled to vote generally in the election of directors, voting as a single class, and the
 

 
34
 
 

holders of at least a majority of the voting power of the outstanding shares of such stock not beneficially owned by any interested shareholder or its affiliates and associates, voting together as a single class.  In addition, an amendment of the provisions of our articles of incorporation relating to the number, classification, election and removal of directors also requires the affirmative vote of the holders of at least 80% of the total votes to which all of the shares then entitled to vote at a meeting of shareholders called for an election of directors are entitled, unless the amendment has been approved by our Board of Directors by a 66 2/3% vote.
 
Our bylaws may be amended either by our Board of Directors, by a vote of two-thirds of the Board, or by our shareholders, by the vote of the holders of at least 80% of the voting power of the outstanding shares of capital stock entitled to vote generally in the election of directors, voting together as a single class.
 
Advance Notice Provisions. Our bylaws provide that we must receive written notice of any shareholder proposal for business at an annual meeting of shareholders not less than 90 days or more than 120 days before the anniversary of the preceding year’s annual meeting. If the date of the current year annual meeting is advanced by more than 20 days or delayed by more than 60 days from the anniversary date of the preceding year’s annual meeting, we must receive written notice of the proposal no earlier than the close of business on the 120th day prior to the date of the annual meeting and no later than the close of business on the later of the 90th day prior to the annual meeting or the 10th day following the day on which notice of the date of the meeting is mailed or public announcement of the date of the meeting date is first made, whichever occurs first.
 
Our bylaws also provide that we must receive written notice of any shareholder director nomination for a meeting of shareholders not less than 90 days or more than 120 days before the date of the meeting. If, however, less than 100 days’ notice or prior public announcement of the date of the meeting is given or made to shareholders, we must receive notice of the nomination no later than the tenth day following the day on which notice of the date of the meeting is mailed or public announcement of the date of the meeting date is first made, whichever occurs first.
 
Federal Law.  The BHC Act requires any “bank holding company,” as defined in the BHC Act, to obtain the approval of the Federal Reserve Board before acquiring 5% or more of our common stock. Any entity that is a holder of 25% or more of our common stock, or a holder of 5% or more if such holder otherwise exercises a “controlling influence” over us, is subject to regulation as a bank holding company under the BHC Act. Any person, other than a bank holding company, is required to obtain the approval of the Federal Reserve Board before acquiring 10% or more of our common stock under the Change in Bank Control Act.
 

 
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UNDERWRITING
 
We are offering the shares of our common stock described in this prospectus in an underwritten offering in which Sandler O’Neill & Partners, L.P. (“Sandler”) is acting as sole underwriter. We will enter into an underwriting agreement with Sandler with respect to the shares of common stock being offered. Subject to the terms and conditions contained in the underwriting agreement, Sandler has agreed to purchase all of the shares of common stock being offered by this prospectus.
 
The underwriting agreement provides that the underwriter’s obligation to purchase shares of our common stock depends on the satisfaction of the conditions contained in the underwriting agreement, including:
 
 
·
the representations and warranties made by us are true and agreements have been performed;
 
 
·
there is no material adverse change in the financial markets or in our business; and
 
 
·
we deliver customary closing documents.
 
Subject to these conditions, the underwriter is committed to purchase and pay for all shares of our common stock offered by this prospectus, if any such shares are taken. However, the underwriter is not obligated to take or pay for the shares of our common stock covered by the underwriter’s over-allotment option described below, unless and until such option is exercised.
 
Director and Officer Participation
 
At our request, the underwriter has reserved for sale up to [•]% of the shares of our common stock to be sold in the offering, at the public offering price less reduced underwriting discounts and commissions, to certain of the Company’s directors and officers. The number of shares of our common stock available for sale to the general public will be reduced to the extent these persons purchase such reserved shares. Any reserved shares that are not so purchased will be offered by the underwriter to the general public on the same basis as the other shares offered by this prospectus. None of these persons have any obligation or have made any commitment to purchase any of the shares in the offering, and there can be no assurance as to the number of shares in the offering they may purchase, if any. However, based on non-binding expressions of interest, we expect this group of persons to purchase approximately [•] shares in the offering.
 
Over-Allotment Option
 
We have granted the underwriter an option, exercisable no later than 30 days after the date of the underwriting agreement, to purchase up to an aggregate of [•] additional shares of common stock at the public offering price, less the underwriting discount set forth on the cover page of this prospectus. We will be obligated to sell these shares to the underwriter to the extent the over-allotment option is exercised. The underwriter may exercise this option only to cover over-allotments, if any, made in connection with the sale of the shares of our common stock offered by this prospectus.
 
Commissions and Expenses
 
The underwriter proposes to offer the shares of our common stock directly to the public at the offering price set forth on the cover page of this prospectus and to dealers at the public offering price less a concession not in excess of $[•] per share. The underwriter may allow, and the dealers may re-allow, a
 

 
36
 
 

concession not in excess of $[•] per share on sales to other brokers and dealers. After the public offering of the shares of our common stock, the underwriter may change the offering price, concessions and other selling terms.
 
The following table shows the per share and total underwriting discounts and commissions that we will pay to the underwriter and the proceeds we will receive before expenses. These amounts are shown assuming both no exercise and full exercise of the underwriter’s option to purchase additional shares.
 
 
Per Share
 
Total
Without
Over-
Allotment
Exercise
 
Total With
Over-
Allotment
Exercise
                 
Public offering price
$
   
$
   
$
 
Underwriting discounts and commissions payable by us
               
Proceeds to us (before expenses)
               

In addition to the underwriting discount, we will reimburse the underwriter for its reasonable out-of-pocket expenses incurred in connection with its engagement as underwriter, regardless of whether the offering is consummated, including, without limitation, all marketing, syndication and travel expenses and legal fees and expenses up to a maximum aggregate amount of $[•]. If the offering is completed and closes, the expenses paid pursuant to the previous sentence will be credited to the underwriting discounts and commissions payable to the underwriter. We estimate that the total expenses of the offering, exclusive of the underwriting discounts and commissions, will be approximately $[•], and are payable by us.
 
Indemnity
 
We have agreed to indemnify the underwriter, and persons who control the underwriter, against certain liabilities, including liabilities under the Securities Act of 1933, as amended (the “Securities Act”), and to contribute to payments that the underwriter may be required to make in respect of these liabilities.
 
Lock-Up Agreement
 
We, and each of our executive officers and directors, have agreed, for the period beginning on and including the date of this prospectus through and including the date that is 90 days after the date of this prospectus, (i) not to sell, offer, agree to sell, contract to sell, hypothecate, pledge, grant any option to purchase, make any short sale of, or otherwise dispose of or hedge, directly or indirectly, any shares of our common stock, any of our securities that are substantially similar to any of our common stock, or any of our securities convertible into, repayable with, exchangeable or exercisable for, or that represent the right to receive any shares of our common stock or any of our securities that are substantially similar to our common stock, or (ii) publicly announce an intention to do any of the foregoing, without, in each case, the prior written consent of Sandler. These restrictions are expressly agreed to preclude us, and our executive officers and directors, from engaging in any hedging or other transaction or arrangement that is designed to, or which reasonably could be expected to, lead to or result in a sale, disposition or transfer, in whole or in part, of any of the economic consequences of ownership of our common stock, whether such transaction would be settled by delivery of our common stock or other securities, in cash or otherwise. The 90-day restricted period will be automatically extended if (1) during the last 17 days of the 90-day restricted period, we issue an earnings release or material news or a material event relating to us occurs, or (2) prior to the expiration of the 90-day restricted period, we announce that we will release earnings
 

 
37
 
 

results or become aware that material news or a material event relating to us will occur during the 16-day period beginning on the last day of the 90-day restricted period, in which case the restrictions described above will continue to apply until the expiration of the 18-day period beginning on the issuance of the earnings release or the occurrence of the material news or material event. In addition, during the period beginning on and including the date of this prospectus and continuing through and including the date that is 90 days after the date of this prospectus, without the prior written consent of Sandler, we will not file or cause to become effective a registration statement under the Securities Act, relating to the offer and sale of any shares of our common stock or any of our other securities that are substantially similar to our common stock, or any of our securities that are convertible into or exchangeable or exercisable for, or any warrants or other rights to purchase, the foregoing.
 
 The restrictions described in the preceding paragraph will not apply with respect to (1) the issuance by us of common stock to Sandler pursuant to the underwriting agreement; (2) the issuance by us of shares, and options to purchase shares, of our common stock pursuant to stock option and other equity compensation plans, as those plans are in effect on the date of this prospectus; (3) the issuance by us of shares of our common stock upon the exercise of stock options and warrants that are outstanding on the date of this prospectus, and the issuance by us of shares of our common stock upon the exercise of stock options issued after the date of this prospectus under stock option and other equity compensation plans referred to in clause (2) of this sentence, as those plans are in effect on the date of this prospectus; (4) the issuance by us of shares of our common stock in connection with a merger or acquisition or similar business combination transaction, (5) a bona fide gift or gifts by any of our executive officers or directors, provided that the donee or donees thereof agree to be bound in writing by the restrictions described in the preceding paragraph; or (6) a transfer by any of our executive officers or directors to any trust for the direct or indirect benefit of that executive officer or director or his or her immediate family or to any entity in which that executive officer or director owns more than 50% of the voting securities, provided that the trustee of the trust or an authorized person of the entity, on behalf of the entity, agrees to be bound in writing by such restrictions and provided further that any such transfer shall not involve a disposition for value. For purposes of this paragraph, “immediate family” shall mean any relationship by blood, marriage or adoption not more remote than first cousin.
 
Sandler may, in their sole discretion and at any time and from time to time, without notice, release all or any portion of the foregoing shares and other securities from the foregoing restrictions.
 
Stabilization
 
In connection with the offering, the underwriter may engage in stabilizing transactions, over-allotment transactions, syndicate covering transactions and penalty bids:
 
 
·
Stabilizing transactions permit bids to purchase shares of common stock so long as the stabilizing bids do not exceed a specified maximum, and are engaged in to prevent or slow down a decline in the market price of the common stock while the offering is in progress.
 
 
·
Over-allotment transactions involve sales by the underwriter of shares of common stock in excess of the number of shares the underwriter is obligated to purchase. This creates a syndicate short position that may be either a covered short position or a naked short position. In a covered short position, the number of shares of common stock over-allotted by the underwriter is not greater than the number of shares that they may purchase in the over-allotment option. In a naked short position, the number of shares involved is greater than the number of shares in the over-allotment option. The underwriter may close out
 

 
38
 
 

 
 
 
 
 
any short position by exercising its over-allotment option and/or purchasing shares in the open market.
 
 
·
Syndicate covering transactions involve purchases of common stock in the open market after the distribution has been completed to cover syndicate short positions. In determining the source of shares to close out the short position, the underwriter will consider, among other things, the price of shares available for purchase in the open market as compared with the price at which they may purchase shares through exercise of the over-allotment option. If the underwriter sells more shares than could be covered by exercise of the over-allotment option and, therefore, has a naked short position, the position can be closed out only by buying shares in the open market. A naked short position is more likely to be created if the underwriter is concerned that after pricing there could be downward pressure on the price of the shares in the open market that could adversely affect investors who purchase in the offering.
 
 
·
Penalty bids permit the underwriter to reclaim a selling concession from a syndicate member when the common stock originally sold by that syndicate member is purchased in stabilizing or syndicate covering transactions to cover syndicate short positions.
 
These stabilizing transactions, syndicate covering transactions and penalty bids may have the effect of raising or maintaining the market price of our common stock or preventing or retarding a decline in the market price of our common stock. As a result, the price of our common stock in the open market may be higher than it would otherwise be in the absence of these transactions. Neither we nor the underwriter make any representation or prediction as to the effect that the transactions described above may have on the price of our common stock. These transactions may be effected in the over-the-counter market or otherwise and, if commenced, may be discontinued at any time.
 
Our Relationship with the Underwriter
 
Sandler, and some of its affiliates, have performed and expect to continue to perform financial advisory and investment banking services for us from time to time in the ordinary course of their respective businesses, and have received, and may continue to receive, compensation for such services.
 
Our common stock is being offered by the underwriter, subject to prior sale, when, as and if issued to and accepted by them, subject to approval of certain legal matters by counsel for the underwriter and other conditions.
 
LEGAL MATTERS
 
The legality of the issuance of the securities to be offered by this prospectus will be the subject of an opinion of our legal counsel, Silver, Freedman & Taff, L.L.P., Washington, D.C.  Certain legal matters relating to the sale of the securities to be offered by this prospectus will be passed upon for the underwriter by Patton Boggs LLP, Washington, D.C.
 
EXPERTS
 
The consolidated financial statements of the Company as of June 30, 2010 and 2009, and for each of the years in the three-year period ended June 30, 2010, included in the Company’s Annual Report on Form 10-K for the year ended June 30, 2010, have been incorporated by reference into this prospectus in reliance upon the report of BKD LLP, independent registered public accounting firm, incorporated by reference into this prospectus, and upon the authority of said firm as experts in accounting and auditing.
 

 
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The statement of assets acquired and liabilities assumed by Southern Bank as of December 31, 2010 and the related statement of revenues and direct expenses for the year then ended pursuant to the purchase and assumption agreement, dated as of December 17, 2010, between Southern Bank and the FDIC, which statements were included in the Company’s Current Report on Form 8-K/A filed on March 2, 2011, have been incorporated by reference into this prospectus in reliance upon the report of BKD LLP, independent registered public accounting firm, incorporated by reference into this prospectus, and upon the authority of said firm as experts in accounting and auditing.
 
WHERE YOU CAN FIND MORE INFORMATION
 
The Company files annual, quarterly and current reports, proxy statements and other information with the SEC. You may read and copy any materials we file with the SEC at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. The public may obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC maintains an Internet site that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. The address of the SEC’s Internet site is http://www.sec.gov.
 
INCORPORATION OF CERTAIN INFORMATION BY REFERENCE
 
The following documents filed by us with the SEC are incorporated by reference into this prospectus. You should carefully read and consider all of these documents before making an investment decision.
 
 
·
Annual Report on Form 10-K for the fiscal year ended June 30, 2010 filed on September 17, 2010;
 
 
·
Definitive Proxy Statement on Schedule 14A filed on September 17, 2010;
 
 
·
Quarterly Report on Form 10-Q for the quarter ended September 30, 2010 filed on November 15, 2010;
 
 
·
Quarterly Report on Form 10-Q for the quarter ended December 31, 2010 filed on February 14, 2011;
 
 
·
Quarterly Report on Form 10-Q for the quarter ended March 31, 2011 filed on May 13, 2011;
 
 
·
Current Report on Form 8-K filed on December 23, 2010 (as amended on March 2, 2011), and February 3, 2011; and
 
 
·
All other reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act or proxy or information statements filed pursuant to Section 14 of the Exchange Act since June 30, 2010.
 
Nothing in this prospectus shall be deemed to incorporate information deemed furnished but not filed with the SEC. Any statement contained in a document that is incorporated by reference will be modified or superseded for all purposes to the extent that a statement contained in this prospectus modifies or is contrary to that previous statement. Any statement so modified or superseded will not be deemed a part of this prospectus except as so modified or superseded.
 
 
 
40
 
 
 
 
We will provide to each person, including any beneficial owner, to whom a prospectus is delivered, a copy of any or all of the reports or documents that have been incorporated by reference into this prospectus but not delivered with this prospectus. We will provide these reports upon written or oral request at no cost to the requester. Please direct your request, either in writing or by telephone, to Secretary, Southern Missouri Bancorp, Inc., 531 Vine Street, Poplar Bluff, Missouri 63901, telephone number (573) 778-1800. Our SEC filings are also available to the public in the “Investor Relations” section of our website, www.bankwithsouthern.com. The information on our website is not a part of this prospectus and the reference to our website address does not constitute incorporation by reference of any information on our website into this prospectus.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
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PART II

INFORMATION NOT REQUIRED IN PROSPECTUS

Item 13.  Other Expenses of Issuance and Distribution

Set forth below is an estimate of the amount of fees and expenses (other than underwriting discounts and commissions) to be incurred in connection with the issuance of the shares by Southern Missouri Bancorp, Inc. (the “Registrant”):

SEC Filing Fee
$ 3,338
   Registrant’s Counsel Fees and Expenses   295,000
Registrant’s Accounting Fees and Expenses
 
50,000
   Underwriter's Legal Fees and Expenses     175,000
Printing and EDGAR
    18,000
FINRA Filing Fee
    3,375
Other
    10,000
     TOTAL
$
554,713

Item 14.  Indemnification of Directors and Officers

Section 351.355 of the Missouri General and Business Corporation Law provides for permissible and mandatory indemnification of directors, officers, employees and agents in certain circumstances.  Section 351.355.1 provides that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative (other than an action by or in the right of the corporation), by reason of the fact that the person is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another entity, against expenses (including attorneys= fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by the person in connection with such action, suit or proceeding if the person acted in good faith and in a manner the person reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe the person=s conduct was unlawful. Section 351.355.1 further provides that the termination of any action, suit or proceeding by judgment, order, settlement, conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner which the person reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had reasonable cause to believe that the person=s conduct was unlawful.

Section 351.355.2 provides that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the corporation to procure a judgment in its favor by reason of the fact that the person is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another entity against expenses (including attorneys’ fees) and amounts paid in settlement actually and reasonably incurred by the person in connection with the defense or settlement of such action or suit if the person acted in good faith and in a manner the person reasonably believed to be in or not opposed to the best interests of the corporation and except that no indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable for negligence or misconduct in the performance of the person’s duties to the corporation unless and only to the extent that the court in which such action or suit was brought shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnity for such expenses which the court shall deem proper.

Section 351.355.3 provides that except to the extent otherwise provided in the corporation’s articles of incorporation or bylaws, to the extent that a director, officer, employee or agent of the corporation has been successful on the merits or otherwise in defense of any action, suit or proceeding referred to in Sections 351.355.1 and 351.355.2, or in defense of any claim, issue or matter therein, that person shall be indemnified against expenses (including attorneys= fees) actually and reasonably incurred by such person in connection therewith.

 
II-1
 
 

Section 351.355.4 provides that any indemnification under Sections 351.355.1 and 351.355.2 (unless ordered by a court) shall be made by the corporation only as authorized in the specific case upon a determination that indemnification of the director, officer, employee or agent is proper in the circumstances because the person has met the applicable standard of conduct set forth in Section 351.355.

Section 351.355.5 provides that expenses incurred in defending any civil, criminal, administrative or investigative action, suit or proceeding may be paid by the corporation in advance of the final disposition of the action, suit or proceeding upon receipt of an undertaking to repay the amount if it is ultimately determined that the person is not entitled to be indemnified by the corporation.

Section 351.355.6 provides that indemnification and advancement of expenses provided under Section 351.355 are not exclusive of any other rights to which those seeking indemnification or advancement of expenses may be entitled under the corporation’s articles of incorporation or bylaws, or any agreement, vote of shareholders or disinterested directors or otherwise.  Section 351.355.8 provides that a corporation may purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against any liability asserted against such person and incurred by such person in any such capacity, or arising out of such person=s status as such, whether or not the corporation would have the power to indemnify such person against such liability under Section 351.355.

Article IX of the Registrant’s articles of incorporation provides that the Registrant shall indemnify any present or former director or executive officer of the Registrant or any subsidiary of the Registrant against any and all expenses, including attorneys' fees), judgments, fines and amounts paid in settlement and reasonably incurred by such person in connection with any threatened, pending or completed civil, criminal, administrative or investigative action, suit, proceeding or claim (including any action by or in the right of the Registrant or a subsidiary) by reason of the fact that such person is or was serving in such capacity; provided, however, that no such person shall be entitled to any indemnification pursuant to Article IX on account of (i) conduct which is finally adjudged to have been knowingly fraudulent or deliberately dishonest or to have constituted willful misconduct, or (ii) an accounting for profits pursuant to Section 16(b) of the Securities Exchange Act of 1934, as amended.

Item 15.  Recent Sales of Unregistered Securities

Not Applicable.

Item 16.  Exhibits and Financial Statement Schedules

(a)  List of Exhibits:  See the Exhibit Index filed as part of this Registration Statement.

(b)  Financial Statement Schedules:  No financial statement schedules are filed because the required information is not applicable or is included in the consolidated financial statements or related notes.

Item 17.  Undertakings

The undersigned Registrant hereby undertakes that:
 
(1)For purposes of determining any liability under the Securities Act of 1933, the information omitted from the form of prospectus filed as part of this registration statement in reliance upon Rule 430A and contained in a form of prospectus filed by the registrant pursuant to Rule 424(b)(1) or (4) or 497(h) under the Securities Act shall be deemed to be part of this registration statement as of the time it was declared effective.  

(2)For the purpose of determining any liability under the Securities Act of 1933, each post-effective amendment that contains a form of prospectus shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.


 
II-2
 
 


Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act, and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
 
 
 
 
 
 
 
 
 
 

 

 
II-3
 
 

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Poplar Bluff, State of Missouri, on the  24th day of June , 2011.

   
SOUTHERN MISSOURI BANCORP, INC.
 
 
 
By:  
/s/ Greg A. Steffens                                                                                
   
Greg A. Steffens
   
President and Chief Executive Officer
   
 (Duly Authorized Representative)


Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated.

/s/ Greg A. Steffens    *
Greg A. Steffens
 
Matthew T. Funke
President and Chief Executive Officer and Director
 
Chief Financial Officer
(Principal Executive Officer)
 
(Principal Financial and Accounting Officer)
     
Date:   June 24 , 2011
 
Date:   June 24 , 2011
     
*   *
Samuel H. Smith
 
L. Douglas Bagby
Chairman of the Board of Directors
 
Vice Chairman and Director
     
Date:   June 24 , 2011
 
Date:   June 24 , 2011
     
*   *
Ronnie D. Black
 
Rebecca McLane Brooks
Director
 
Director
     
Date:   June 24 , 2011
 
Date:   June 24 , 2011
     
*   *
Charles R. Love
 
Charles R. Moffitt
Director
 
Director
     
Date:   June 24 , 2011
 
Date:   June 24 , 2011
     
*   *
Dennis C. Robison
 
Sammy A. Schalk
Director
 
Director
     
Date:   June 24 , 2011
 
Date:   June 24 , 2011
     
 
 
*By:     /s/ Greg A. Steffens
    Greg A. Steffens
    Attorney-in-fact

 
II-4
 
 

EXHIBIT INDEX

Exhibit Number
Document
1.0
Form of Underwriting Agreement *
3.1(i)
Articles of Incorporation of the Registrant (filed as an exhibit to the Registrant’s Annual Report on Form 10-KSB for the fiscal year ended June 30, 1999 and incorporated herein by reference)
3.1(ii)
Certificate of Designation for the Registrant’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (filed as an exhibit to the Registrant’s Current Report on Form 8-K filed on December 9, 2008 and incorporated herein by reference)
3.2
Bylaws of the Registrant (filed as an exhibit to the Registrant’s Current Report on Form 8-K filed on December 6, 2007 and incorporated herein by reference)
5.0
Opinion of Silver, Freedman & Taff, L.L.P. regarding the legality of the shares being registered *
10.1
2008 Equity Incentive Plan (attached to the Registrant’s definitive proxy statement filed on September 19, 2008 and incorporated herein by reference)
10.2
2003 Stock Option and Incentive Plan (attached to the Registrant’s definitive proxy statement filed on September 17, 2003 and incorporated herein by reference)
10.3
1994 Stock Option and Incentive Plan (attached to the Registrant’s definitive proxy statement filed on October 21, 1994 and incorporated herein by reference)
10.4
Management Recognition and Development Plan (attached to the Registrant’s definitive proxy statement filed on October 21, 1994 and incorporated herein by reference)
10.5(i)
Director’s Retirement Agreement with Samuel H. Smith (filed as an exhibit to the Registrant’s Annual Report on Form 10-KSB for the fiscal year ended June 30, 1995 and incorporated herein by reference)
10.5(ii)
Director’s Retirement Agreement with Sammy A. Schalk (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2000 and incorporated herein by reference)
10.5(iii)
Director’s Retirement Agreement with Ronnie D. Black (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2000 and incorporated herein by reference)
10.5(iv)
Director’s Retirement Agreement with L. Douglas Bagby (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2000 and incorporated herein by reference)
10.5(v)
Director’s Retirement Agreement with Rebecca McLane Brooks (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2004 and incorporated herein by reference)
10.5(vi)
Director’s Retirement Agreement with Charles R. Love (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2004 and incorporated herein by reference)
10.5(vii)
Director’s Retirement Agreement with Charles R. Moffitt (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2004 and incorporated herein by reference)
10.5(viii)
Director’s Retirement Agreement with Dennis C. Robison (filed as an exhibit to the Registrant’s Quarterly Report on Form 10-QSB for the quarter ended December 31, 2008 and incorporated herein by reference)
21.0
Subsidiaries of the Registrant (filed as an exhibit to the Registrant’s Annual Report on Form 10-K for the fiscal year ended June 30, 2010 and incorporated herein by reference)
23.1
Consent of Silver, Freedman & Taff, L.L.P. (contained in opinion included as Exhibit 5.0) *
23.2
Consent of BKD, LLP
24.0
Power of Attorney (set forth on signature page) *
__________________
*Previously filed.
 

 
 
II-5
 
 

EX-23.2 3 ex23-2.htm ex23-2.htm
Consent of Independent Registered Public Accounting Firm
 
 

Audit Committee and Board of Directors
Southern Missouri Bancorp, Inc.
Poplar Bluff, Missouri
 
We hereby consent to the incorporation by reference in this Registration Statement on Form S-1 of our report dated September 17, 2010, on our audits of the consolidated financial statements of Southern Missouri Bancorp Inc. as of June 30, 2010 and 2009 and for the three years in the period ended June 30, 2010, which report is included in the Form 10-K of Southern Missouri Bancorp Inc. for the year ended June 30, 2010. We also consent to the references to our firm under the caption "Experts" in the Prospectus.
 
 
 
/s/  BKD, LLP
 
Decatur, Illinois
June 24, 2011

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FAX: (202) 337-5502
WWW.SFTLAW.COM

June 24, 2011

VIA EDGAR

Michael Clampitt, Senior Counsel
Division of Corporation Finance
Securities and Exchange Commission
Mail Stop 4720
100 F Street, N.E.
Washington, D.C.  20549

Re:   Southern Missouri Bancorp, Inc.
Registration Statement on Form S-1
File No. 333-174113

Dear Mr. Clampitt:

Pursuant to the Securities Act of 1933, as amended (the “Act”), and the rules and regulations thereunder, on behalf of our client, Southern Missouri Bancorp, Inc. (the “Registrant”), we enclose herewith for filing Pre-Effective Amendment No. One (the “Amendment”) to the Registrant’s Registration Statement on Form S-1 relating to the proposed offering.

The Amendment responds to comments raised by the Staff of the Securities and Exchange Commission in its letter dated June 6, 2011 (the “Comment Letter”).  The Registrant’s responses to the Staff’s comments are numbered to correspond to the numbered comments in the Comment Letter and the Staff’s comments are repeated below for your convenience.

The Amendment is marked to show all revisions to the original submission made on May 10, 2011.  In addition to the responses to the Staff’s comments, these revisions include an update of the financial information to March 31, 2011.

General

 
1.
In the next amendment fill-in, as far as practicable, all blanks.

 
RESPONSE:  Please be advised that all blanks have been filled in, except blanks related to the offering itself (i.e., number of shares to be sold and price per share).

 
 
 
 

Michael Clampitt, Senior Counsel
June 24, 2011
Page 2 of 22
 
 

 
2.
Because you may use proceeds to redeem TARP CPP preferred stock, include a pro forma illustration of the impact on EPS and the capitalization table from the dividends or other payments on the preferred versus dilution from issuing more common.

RESPONSE:  The requested disclosure is reflected at page 26 in response to this comment.

Cover Page

 
3.
Quantify on the cover sheet the percentage of shares offered to total outstanding shares.

RESPONSE:  The disclosure on the cover of the prospectus has been revised in response to this comment.

 
4.
Revise the cover page to briefly describe the underwriting arrangements, i.e., a firm commitment.

RESPONSE:  The disclosure on the cover of the prospectus has been revised in response to this comment.

Use of Proceeds, page 6 and 24

 
5.
Clarify in the Use of Proceeds disclosure the percentage and dollar amount of proceeds to be contributed to the bank and update, as far as practicable, the specific anticipated uses of the proceeds retained by the company.

RESPONSE:  The disclosure on pages 6 and 24 has been revised in response to this comment.

Prospectus Summary

Recent Acquisitions, page 1

 
6.
Revise both acquisition summaries to indicate the profit/loss recognized and indicate whether or not the purchases were dilutive or accretive to earnings.

RESPONSE:  The disclosure on pages 1 and 2 has been revised in response to this comment.

 
7.
Revise the summary to disclose if officers and directors are committed to purchase shares in the offering and, if so, indicate the amount. In addition, disclose the shares being reserved, their current holdings, their percentage of total and the percentage they will hold after the offering assuming any commitments.

RESPONSE:  New disclosure on page 7 has been provided in response to this comment.


 
 
 
 

Michael Clampitt, Senior Counsel
June 24, 2011
Page 3 of 22
 
 
March 31, 2011 Form 10-Q General

 
8.
We note your effective income tax rate increased to 33% from 20% for the nine months ended March 31, 2011 as compared to the nine months ended March 31, 2010. Considering this significant change, please revise future filings, including future interim filings, to disclose the information required by ASC 740-10-50 and highlight material changes in income tax items in your MD&A.

RESPONSE: Future filings will include disclosure similar in form to the following:

The Company files income tax returns in the U.S. Federal jurisdiction and various states.  The Company is no longer subject to federal and state examinations by tax authorities for fiscal years before [date].  During the periods presented, the Company recognized no interest or penalties related to income taxes.

The Company’s income tax provision is comprised of the following components:

 
For the three months ended
For the [ ] months ended
 
[date]
[date]
[date]
[date]
Income taxes
       
  Current
 $             -
 $             -
 $             -
 $             -
  Deferred
                -
                -
                -
                -
    Total income tax provision
 $             -
 $             -
 $             -
 $             -

The components of net deferred tax assets (liabilities) are summarized as follows:

   
[interim date]
[prior FYE]
Deferred tax assets:
     
  Provision for losses on loans
 
 $             -
 $             -
  Accrued compensation and benefits
 
                -
                -
  Other-than-temporary impairment on
     
    available-for-sale securities
 
                -
                -
  NOL carryforwards acquired
 
                -
                -
  Unrealized loss on other real estate
 
                -
                -
  Other
 
                -
                -
Total deferred tax assets
 
                -
                -
       
Deferred tax liabilities
     
  FHLB stock dividends
 
                -
                -
  Purchase accounting adjustments
 
                -
                -
  Depreciation
 
                -
                -
  Prepaid expenses
 
                -
                -
  Unrealized gain on available-for-sale
     
    securities
 
                -
                -
  Other
 
                -
                -
Total deferred tax liabilities
 
                -
                -
       
  Net deferred tax asset (liability):
 
 $             -
 $             -


 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 4 of 22
 
 
As of [date], the Company had approximately $[amount] of federal and state net operating loss carryforwards which were acquired in the July 2009 acquisition of Southern Bank of Commerce.  The amount reported is net of the IRC Sec. 382 limitation, or state equivalent, related to utilization of net operating loss carryforwards of acquired corporations.  Unless otherwise utilized, the net operating losses will begin to expire in 2027.

A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below:

 
For the three months ended
For the [ ] months ended
 
[date]
[date]
[date]
[date]
         
Tax at statutory rate
 $             -
 $             -
 $             -
 $             -
         
Increase (reduction) in taxes
       
  resulting from:
       
    Nontaxable municipal income
                -
                -
                -
                -
    State tax, net of Federal benefit
                -
                -
                -
                -
    Increase in cash surrender value
       
      of bank-owned life insurance
                -
                -
                -
                -
    Tax benefits realized on acquisition
                -
                -
                -
                -
    Federal tax credits
                -
                -
                -
                -
    Acquisition costs
                -
                -
                -
                -
    Other, net
                -
                -
                -
                -
Actual provision
 $             -
 $             -
 $             -
 $             -

Tax credit benefits in the amount of $[amount] and $[amount], respectively, were recognized in the three- and [ ]-month periods ended [date], as compared to $[amount] and $[amount], respectively, recognized in the three- and [ ]-month periods ended [date], under the flow-through method of accounting for investments in tax credits.

Material changes in the periods presented will be discussed in the MD&A.

 
9.
We note your disclosure on page 12 that you may be required from time to time to modify or extend the terms of your speculative construction and land development loans and your disclosure on page 33 that you had no troubled debt restructurings as of March 31, 2011. Please tell us in detail and revise future filings to disclose the amount of modifications performed during the periods presented. Also disclose how you concluded that your modifications should not be accounted for as TDRs. Specifically, explain the key factors you considered to determine if the modification represented a concession and whether the borrower was experiencing financial difficulties.

RESPONSE: To closely monitor the inherent risks associated with construction loans, the Company will typically utilize maturity periods ranging from 6 to 12 months for these loans.   Weather conditions, change orders, availability of materials and/or labor, and other factors may contribute to the lengthening of a project, thus necessitating the need to renew the construction loan at the balloon maturity.  Such extensions are typically executed in incremental three month periods to facilitate project completion.  The Company’s average term of construction loans is approximately 15 months.  During construction, loans typically require monthly interest only

 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 5 of 22
 
 
payments which may allow the Company an opportunity to monitor for early signs of financial difficulty should the borrower fail to make a required monthly payment.  Additionally, during the construction phase, the Company typically obtains interim inspections completed by an independent third party.  This monitoring further allows the Company opportunity to assess risk.

At March 31, 2011, construction loans outstanding included 30 loans, totaling $4.4 million, for which a modification had been agreed to; At June 30, 2010, construction loans outstanding included 18 loans, totaling $6.3 million, for which a modification had been agreed to.  All modifications were solely for the purpose of extending the maturity date due to conditions described above.  None of these modifications were executed due to financial difficulty on the part of the borrower and, therefore, were not accounted for as TDRs.

Future filings will include disclosure similar in form to the foregoing.

Note 2: Fair Value Measurements, page 6

 
10.
Please revise future filings to disclose the total gains and losses for each major category of asset or liability measured at fair value on a nonrecurring basis during the periods presented. Refer to ASC 820-10-50-5a and 820-10-55-64.

RESPONSE: Future filings will include disclosure similar in form to the following:

The following table presents gains and (losses) recognized on assets measured on a non-recurring basis for the three- and [ ]-month periods ended [date] and [prior fiscal year period]:

   
For the three months ended
For the [ ] months ended
   
[date]
[date]
[date]
[date]
Impaired loans
 
 $             -
 $             -
 $             -
 $             -
Foreclosed and repossessed assets
  held for sale
 
                -
                -
                -
                -
    Total gain (loss) on assets
         
      measured on a nonrecurring basis
 
 $             -
 $             -
 $             -
 $             -

Impaired Loans (Collateral Dependent), page 7

 
11.
Please revise your future filings to disclose how often you obtain updated appraisals for your impaired collateral dependent loans and if this policy varies by loan type. Describe in more detail the types of adjustments you make to appraised values, including those made as a result of outdated appraisals. Discuss how you consider the potential for outdated appraisal values in your determination of the allowance for loan losses. Also, quantify the amount of collateral dependent loans for which you are using an appraisal performed within the past 12 months to serve as the primary basis of your valuation.

RESPONSE: Future filings will include disclosure similar in form to the following:

On a quarterly basis, loans classified as special mention, substandard, doubtful, or loss are evaluated including the loan officer’s review of the collateral and its current condition, the Company’s knowledge of the current economic environment in the  market where the collateral

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 6 of 22
 
 
is located, and the Company’s recent experience with real estate in the area. The date of the appraisal is also considered in conjunction with the economic environment and any decline in the real estate market since the appraisal was obtained.  For all loan types, updated appraisals are obtained if considered necessary.  Of the Company’s $[amount] (outstanding balance) in collateral-dependent loans at [date], the Company utilized an appraisal performed in the past 12 months to serve as the primary basis of our valuation for approximately $[amount].

 
12.
You disclose that you may apply selling discounts to the underlying collateral value to determine fair value for collateral dependent loans. We note that the guidance in ASC 310-10-35-23 indicates that the fair value of collateral shall be adjusted to consider estimated costs to sell. Please tell us if you have measured impairment on any collateral dependent loans without estimating costs to sell. If so, please tell us how your measurement is consistent with the above guidance and estimate the total amount of costs to sell. If not, please revise your disclosure in future filings accordingly.

RESPONSE: The Company does consider estimated costs to sell in determining the fair value of collateral in compliance with guidance in ASC 310-10-35-23.

Disclosure in future filings will be revised accordingly.

Note 3: Securities, page 9

 
13.
We note your disclosure regarding your other-than-temporary impairment policies related to your pooled trust preferred securities. Please provide us your analysis of the present value of cash flows expected to be collected for the Trapeza CDO XIII, Ltd., class B and Preferred Term Securities XXIV, Ltd., class B1 securities and address the following:

RESPONSE: Please see the cash flow projection models prepared by the Company and a third party investment firm for the Trapeza 13, class B securities and PreTSL 24, class B1 securities held by the Company, which is being provided supplementally under separate cover.

•           Deferrals and defaults:

 
a.
Please tell us in detail how you develop your estimate of future deferrals and defaults.

RESPONSE: The Company develops our estimate of near-term deferrals, defaults, and recoveries based on a detailed review of reported financials and/or credit rating information for each issuer.  We assume no recovery on defaulted issuers, and review each performing and deferred issuer, developing a projection of default likelihood. This projection currently results in additional defaults being less than our projection of cured deferrals, and we therefore assume a near-term net recovery of currently deferred issuers.  At March 31, 2011, these projections resulted in a rate of recovery on currently deferred issuers of 33.6% in the Trapeza 13A security and 34.2% in the PreTSL 24 security.  These near-term assumptions are combined with a long-term assumption of defaults (at a rate of 36 basis points, annually) that is derived from studies of historical bank failure rates by the Federal Deposit Insurance Corporation and the Fitch credit rating agency.

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 7 of 22
 
 

 
b.
You disclose that you assume future additional default rates are 36 basis points for all of your securities and that you use the actual collateral attributes, including various performance indicators (profitability, capital ratios, asset quality, etc.) as an input in your cash flow analysis. Please clearly explain how you use the actual collateral attributes in your cash flow analysis. If you use the actual collateral attributes in determining future additional defaults, please explain to us how your consideration resulted in using the same estimate of future defaults (36 basis points) for your different securities considering the different credit characteristics of the collateral underlying each security.

RESPONSE: See our response to Comment 13a. above.

 
c.
Please tell us how you developed your recovery rate of 34% on issuers currently deferring interest. Specifically, explain if you used the credit characteristics of bank currently deferring interest.

RESPONSE: See our response to Comment 13a. above.

•           Prepayments:

You disclose that your cash flow estimates assume that institutions in excess of $15 billion (or likely to grow to that size) will prepay their obligations by 2013, due to the capital treatment under the regulatory reform bill recently passed. Please provide us your analysis which supports this assumption specifically discussing how you determined that $15 billion was an appropriate criterion.

RESPONSE: The pooled trust preferred securities owned by the Company allow issuers to prepay obligations without penalty after a period of five years from issue, generally subject to regulatory approval; based on the 2007 vintage of Trapeza 13A and the 2006 vintage of PreTSL 24, prepayment without penalty would be allowed beginning in 2012 and 2011, respectively.  Based on this fact, the negative impact beginning in 2013 on the issuers’ regulatory capital position as a result of the recent regulatory reform bill and the relatively high interest rate on these securities payable by the issuers once the securities do not count for regulatory capital purposes, we believe that the original purpose behind the pooled trust preferred issuance will be significantly reduced and, therefore, performing issuers with asset size of $15 billion are likely to prepay by 2013.

For the 2 securities identified above:

 
a.
Please provide us a sensitivity analysis of the impact on your credit OTTI cash flow analysis if you changed your prepayment assumption to produce a significantly lower number of banks prepaying their obligations and having them prepay no sooner than 2013.

RESPONSE: For the Trapeza 13A, class B; and PreTSL 24, class B1 securities, the Company’s modeled prepayment assumption accelerates resumption of cash interest for these securities, by 21 months for Trapeza 13A, class B securities, and by nine months for PreTSL 24, class B1 securities, compared to modeled cash flow projections assuming no

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 8 of 22
 
 
prepayments.  The prepayment assumption has no material impact on the present value of projected cash flows.

 
b.
Please provide us a listing of the banks serving as collateral detailing the asset size of each bank and identifying which banks met your criteria to prepay and in what year you assumed the banks would prepay their obligation.

RESPONSE: The information requested has been provided supplementally under separate cover in response to Comment 13 above.

 
c.
Please tell us if you are aware of any individual bank in a pooled trust preferred security that has prepaid their obligation and the facts and circumstances surrounding the prepayment (was the bank acquired, etc.). If you are not aware of any, please tell us how this fact impacted your prepayment assumption.

RESPONSE: The Company is aware of a number of individual banks that have prepaid their obligations in a variety of circumstances, including, following capital raises, acquisitions of institutions with outstanding obligations, and in an apparent effort to shrink their balance sheet.

 
d.
Please explain to us the redemption provisions (time-based, other special redemption provisions, etc.) of these securities that impact the ability of an individual bank to prepay their obligation and explain how you considered the provisions in your prepayment assumption.

RESPONSE: Trapeza 13A and PreTSL 24 allow issuers to prepay obligations without penalty after a period of five years from issue, generally subject to regulatory approval; based on the 2007 vintage of Trapeza 13A and the 2006 vintage of PreTSL 24, prepayment without penalty would be allowed beginning in 2012 and 2011, respectively.  Based on this, no prepayments are assumed prior to the expiration of the five year period.  In addition, as a result of the negative impact beginning in 2013 (after the expiration of the five year period) on the issuers’ regulatory capital position as a result of the recent regulatory reform bill, we believe that performing issuers with asset size of $15 billion are likely to prepay by 2013.

 
e.
Please tell us if these securities have capital replacement covenants and any other covenants restricting or impacting redemption or prepayment, explain the terms of the covenants and tell us how you considered the covenants in your prepayment assumption.

RESPONSE: Neither issue includes capital replacement covenants or any other covenants, restricting or impacting ability to redeem or prepay.

 
f.
Please tell us if banks that were currently deferring interest payments were assumed to prepay their obligations. If so, explain your rationale.

RESPONSE: The model assumes that only performing issuers will prepay the obligation.

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 9 of 22
 
 
•          Principal In Kind (PIK):

Please tell us in detail and revise future filings to discuss all the facts and circumstances related to your securities receiving PIK. Specifically discuss:

a.       The relevant provisions in your securities that allow them to receive PIK.

RESPONSE: The Company’s investments in Trapeza 4, class C2; Trapeza 13A, class B; and PreTSL 24, class B1 are receiving principal-in-kind (PIK), in lieu of cash interest.  These securities all allow, under the terms of the issue, for issuers to defer interest for up to five consecutive years.  After five years, if not cured, the securities are considered to be in default and the trustee may demand payment in full of principal and accrued interest. Issuers are also considered to be in default in the event of the failure of the issuer or a subsidiary.  Both deferred and defaulted issuers are considered non-performing, and the trustee calculates, on a quarterly or semi-annual basis, certain coverage tests prior to the payment of cash interest to owners of the various tranches of the securities.  The tests must show that performing collateral is sufficient to meet requirements for senior tranches, both in terms of cash flow and collateral value, before cash interest can be paid to subordinate tranches.  If the tests are not met, available cash flow is diverted to pay down the principal balance of senior tranches until the coverage tests are met, before cash interest payments to subordinate tranches may resume.

Future filings will be revised to include disclosure similar in form to the foregoing.

b.       The reason why your securities are receiving PIK.

RESPONSE: The Company’s investments in Trapeza 4, class C2; Trapeza 13A, class B; and PreTSL 24, class B1 are receiving PIK due to failure of the required coverage tests described above at senior tranches of these securities.

Future filings will be revised to include disclosure similar in form to the foregoing.

c.       The risk to security holders.

RESPONSE: Ultimately, the risk to holders of a tranche of a security in PIK status is that the pool’s total cash flow will not be sufficient to repay all principal and accrued interest related to the investment.

Future filings will be revised to include disclosure similar in form to the foregoing.

 
d.
How PIK impacts the different tranches of your securities and how it impacts the tranche that you own.

RESPONSE: The impact of payment of PIK to subordinate tranches is to strengthen the financial position of senior tranches, by reducing the senior tranches’ principal balances relative to available collateral and cash flow; while increasing principal balances, decreasing cash flow and increasing credit risk to the tranches receiving PIK.  For our

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 10 of 22
 
 
securities in receipt of PIK, the principal balance is increasing, cash flow has stopped and, as a result, credit risk is increasing. Despite these facts, because the Company does not intend to sell these securities and it is not more-likely-than-not that the Company will be required to sell these securities prior to recovery of their amortized cost basis, which may be maturity, the Company does not consider these investments to be OTTI at March 31, 2011.

Future filings will be revised to include disclosure similar in form to the foregoing.

e.       When you expect your securities to begin paying cash interest.

RESPONSE: Based on our most recent projections, we anticipate that our securities will not receive cash interest until May 2014 for Trapeza 4, class C2; August 2013 for Trapeza 13A, class B; and December 2020 for PreTSL 24, class B1.

Future filings will be revised to include disclosure similar in form to the foregoing.

 
f.
How the fact that your securities were receiving PIK was incorporated in your analysis of the present value of cash flows expected to be collected.

RESPONSE: The Company’s modeled cash flows for these securities, delayed as a result of the PIK status for these securities, are discounted using the anticipated yield at the time the securities were purchased to arrive at a present value of cash flows; that present value of cash flows is compared to the securities’ carrying value to determine whether the securities are other-than-temporarily impaired.

Future filings will be revised to include disclosure similar in form to the foregoing.

Note 4: Loans, page 11

 
14.
Please revise future filings to discuss how your accounting for loans acquired with deteriorated credit quality impacts your credit metrics and trends. Specifically identify the credit metrics and trends most impacted and discuss the comparability between periods and with other institutions. Also discuss how you classify these loans as non-accrual, impaired, loans > 90 days and accruing, or as a trouble debt restructuring. For example, discuss if these loans are considered impaired and on non-accrual status immediately after acquisition and the reasons for your determination.

RESPONSE: Future filings will include disclosure similar to the following:

Loans acquired with impaired credit quality are included in the Company’s credit quality disclosures, unless otherwise specified.  The Company’s loans acquired with deteriorated credit quality at [interim date] accounted for [describe magnitude of change] of the [increase/decrease] in the Company’s special mention and classified credits since [prior fiscal year end date], and accounted for [describe magnitude of change] of the [increase/decrease] in the Company’s delinquent credits since [prior fiscal year end date].  The following tables present the credit risk profile of the Company’s loans acquired with deteriorated credit quality (excluding loans in

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 11 of 22
 
 
process and deferred loan fees) based on rating category and payment activity as of [interim date] and [prior fiscal year end date]:

 
[interim date]
 
Conventional
Construction
Commercial
   
 
Real Estate
Real Estate
Real Estate
Consumer
Commercial
Pass
 $                    -
 $                    -
 $                    -
 $                -
 $                    -
Special Mention
                       -
                       -
                       -
                   -
                       -
Substandard
                       -
                       -
                       -
                   -
                       -
Doubtful
                       -
                       -
                       -
                   -
                       -
      Total
 $                    -
 $                    -
 $                    -
 $                -
 $                    -


 
[interim date]
 
30-59 Days
60-89 Days
Greater Than
Total
 
Total Loans
Total Loans > 90
 
Past Due
Past Due
90 Days
Past Due
Current
Receivable
Days & Accruing
Real Estate Loans:
             
      Conventional
$                    -
$                    -
$                    -
$                -
$                  -
$                    -
 $                    -
      Construction
                      -
                      -
                      -
                  -
                    -
                      -
                       -
      Commercial
                      -
                      -
                      -
                  -
                    -
                      -
                       -
Consumer loans
                      -
                      -
                      -
                  -
                    -
                      -
                       -
Commercial loans
                      -
                      -
                      -
                  -
                    -
                      -
                       -
      Total loans
$                    -
$                    -
$                    -
$                -
$                  -
$                    -
 $                    -

 
[prior fiscal year end date]
 
Conventional
Construction
Commercial
   
 
Real Estate
Real Estate
Real Estate
Consumer
Commercial
Pass
 $                    -
 $                    -
 $                    -
 $                -
 $                    -
Special Mention
                       -
                       -
                       -
                   -
                       -
Substandard
                       -
                       -
                       -
                   -
                       -
Doubtful
                       -
                       -
                       -
                   -
                       -
      Total
 $                    -
 $                    -
 $                    -
 $                -
 $                    -

 
[prior fiscal year end date]
 
30-59 Days
60-89 Days
Greater Than
Total
 
Total Loans
Total Loans > 90
 
Past Due
Past Due
90 Days
Past Due
Current
Receivable
Days & Accruing
Real Estate Loans:
             
      Conventional
$                    -
$                    -
$                    -
$                -
$                  -
$                    -
 $                    -
      Construction
                      -
                      -
                      -
                  -
                    -
                      -
                       -
      Commercial
                      -
                      -
                      -
                  -
                    -
                      -
                       -
Consumer loans
                      -
                      -
                      -
                  -
                    -
                      -
                       -
Commercial loans
                      -
                      -
                      -
                  -
                    -
                      -
                       -
      Total loans
$                    -
$                    -
$                    -
$                -
$                  -
$                    -
 $                    -

 
15.
Please revise future filings to clearly state if purchased impaired loans are included in the credit quality disclosures (non-accrual, impaired, nonperforming, classified loans, etc.). If they are included, please quantify the amount.

RESPONSE: Please see our response to Comment 14, above, for proposed revisions to future filings in response to this Comment.

 
16.
Please revise future filings to disclose how you determine it is appropriate to continue to

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 12 of 22
 

 
 
accrue interest on loans past due 90 days or more.

RESPONSE: Future filings will be revised to include disclosure similar in form to the following:

The accrual of interest on loans is discontinued when, in management’s judgment, the collectability of interest or principal in the normal course of business is doubtful.  The Company complies with regulatory guidance which indicates that loans should be placed in nonaccrual status when 90 days past due, unless the loan is both well-secured and in the process of collection.  A loan that is “in the process of collection” may be subject to legal action, or, in appropriate circumstances, through other collection efforts reasonably expected to result in repayment or restoration to current status in the near future.

 
17.
Please revise future filings to disclose how you determine that the uncollectability of a loan balance is confirmed.

RESPONSE: Our most recent filing included the following statement: “The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to cover probable credit losses inherent in the loan portfolio at the balance sheet date.  The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings.  Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed.  Subsequent recoveries, if any, are credited to the allowance.”

This disclosure will be clarified in future filings by revising the statement to disclose information similar in form to the following:

The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to cover probable credit losses inherent in the loan portfolio at the balance sheet date.  The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings.  Loan losses are charged against the allowance when an amount is determined to be uncollectible, based on management’s analysis of expected cash flow (for non-collateral-dependent loans) or collateral value (for collateral-dependent loans).  Subsequent recoveries, if any, are credited to the allowance.

 
18.
You disclose that loans are collectively evaluated for impairment based on your historical loss experience. Please revise future filings to specify, by portfolio segment, how many years of historical losses (i.e. charge-offs) you use to measure impairment. Also, identify any changes to look-back periods that were implemented during the periods presented, discuss the reasons for any changes and quantify the impact on your allowance for loan losses.

RESPONSE: Future filings will be revised to include disclosure similar in form to the following:

In its quarterly evaluation of the adequacy of its allowance for loan losses, the Company employs historical data including past due percentages, charge offs, and recoveries for the previous five years for each loan category.  During fiscal year 2011, the Company modified its

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 13 of 22
 
 
allowance methodology to also consider the most recent twelve-month period’s average net charge offs and to use this information as one of the primary factors for evaluation of allowance adequacy.  Average net charge offs are calculated as net charge offs by portfolio type for the period as a percentage of the average balance of respective portfolio type over the same period.  As the Company and the industry have seen increases in loan defaults in the past several years, the Company believes that it is prudent to emphasize more recent historical factors in the allowance evaluation.  As is illustrated in the table below, the impact of the modification has been to recognize the recent higher net charge-offs, which has resulted in a higher allowance for loan losses.

The following table sets forth the Company’s historical net charge offs as of [March 31, 2011].

Portfolio segment
Net charge offs –
1-year historical
Net charge offs –
5-year historical
Real estate loans:
   
   Conventional
   
   Construction
   
   Commercial
   
Consumer loans
   
Commercial loans
   

 
19.
You disclose on page 15 that your allowance for loan losses is based on historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Please revise future filings to:
 
 
a.
b.
Present additional granularity regarding any adjustments made to historical losses;
Discuss adjustments made by portfolio segment for each period presented and discuss the specific facts and circumstances for the adjustments; and
 
c.
Discuss the amount of the allowance for loan losses that is attributable to these adjustments as of each period end presented and provide a discussion of the facts and circumstances related to any trends in this amount.

RESPONSE: Future filings will be revised to include disclosure similar in form to the following:

In its quarterly evaluation of the adequacy of the allowance for loan losses, the Company evaluates changes in the financial condition of individual borrowers; changes in local, regional, and national economic conditions; the Company’s historical loss experience; and changes in market conditions for property pledged to the Company as collateral.  The Company has identified specific qualitative factors that address these issues and subjectively assigns a percentage to each factor.  Qualitative factors are reviewed quarterly and may be adjusted as necessary to reflect improving or declining trends.  At March 31, 2011 these qualitative factors included:

 
·
Changes in lending policies
 
·
National, regional, and local economic conditions
 
·
Changes in mix and volume of portfolio
 
·
Experience, ability, and depth of lending management and staff
 
·
Entry to new markets
 
·
Levels and trends of delinquent, nonaccrual, special mention and classified loans

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 14 of 22
 

 
 
·
Concentrations of credit
 
·
Changes in collateral values
 
·
Agricultural economic conditions
 
·
Regulatory risk

The qualitative factors are applied to the allowance for loan losses based upon the following percentages by loan type:

Portfolio segment
Qualitative factor applied at interim period ended [date]
Qualitative factor applied at fiscal
year ended [date]
Real estate loans:
   
   Conventional
   
   Construction
   
   Commercial
   
Consumer loans
   
Commercial loans
   

At [interim period end date], the amount of our allowance for loan losses attributable to these qualitative factors was approximately $_._ million, as compared to $_._ million at [fiscal year end date].

Future filings will also include narrative discussion related to the facts and circumstances of any significant trends in the allowance.

 
20.
Please revise future filings to disclose your policy for placing loans on nonaccrual status. Refer to ASC 310-10-50-6(a).

RESPONSE: Future filings will include disclosure similar in form to the following:

The accrual of interest on loans is discontinued when, in management’s judgment, the collectability of interest or principal in the normal course of business is doubtful.  The Company complies with regulatory guidance which indicates that loans should be placed in nonaccrual status when 90 days past due, unless the loan is both well-secured and in the process of collection.  A loan that is “in the process of collection” may be subject to legal action or, in appropriate circumstances, other collection efforts reasonably expected to result in repayment or restoration to current status in the near future.

 
21.
Please revise future filings to disclose your policy for recording payments received on nonaccrual loans. Refer to ASC 310-10-50-6(b).

RESPONSE: Future filings will include disclosure similar in form to the following:

Cash receipts on a nonaccrual loan are applied to principal and interest in accordance with its contractual terms unless full payment of principal is not expected, in which case cash receipts, whether designated as principal or interest, are applied as a reduction of the carrying value of the loan.

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 15 of 22
 

 
22.           Please revise future filings to disclosure your policy for resuming the accrual of interest on nonaccrual loans. Refer to ASC 310-10-50-6(c).

RESPONSE: Future filings will include disclosure similar in form to the following:

A nonaccrual loan is generally returned to accrual status ­when principal and interest payments are current, full collectability of principal and interest is reasonably assured and a consistent record of performance has been demonstrated.

 
23.
Please revise future filings to disclose your policy for determining past due or delinquency status. Refer to ASC 310-10-50-6(e) for guidance.

RESPONSE: Future filings will include disclosure similar in form to the following:

A loan is considered delinquent when a payment has not been made by the contractual due date.

 
24.
Please revise future filings to explicitly disclose your policy for determining which loans are individually assessed for impairment. Refer to ASC 310-10-50-15(d).

RESPONSE: Future filings will include disclosure similar in form to the following:

Under the Company’s methodology, loans are first segmented into 1) those comprising large groups of smaller-balance homogeneous loans, including single-family mortgages and installment loans, which are collectively evaluated for impairment and 2) all other loans which are individually evaluated. Those loans in the second category are further segmented utilizing a defined grading system which involves categorizing loans by severity of risk based on conditions that may affect the ability of the borrowers to repay their debt, such as current financial information, collateral valuations, historical payment experience, credit documentation, public information, and current trends. The loans subject to credit classification represent the portion of the portfolio subject to the greatest credit risk and where adjustments to the allowance for losses on loans as a result of provisions and charge-offs are most likely to have a significant impact on operations.

A periodic review of selected credits (based on loan size and type) is conducted to identify loans with heightened risk or probable losses and to assign risk grades. The primary responsibility for this review rests with loan administration personnel. This review is supplemented with periodic examinations of both selected credits and the credit review process by applicable regulatory agencies. The information from these reviews assists management in the timely identification of problems and potential problems and provides a basis for deciding whether the credit represents a probable loss or risk that should be recognized.

If a loan that is individually evaluated for impairment is found to have none, it is grouped together with loans having similar characteristics (i.e., the same risk grade), and an allowance for loan losses is based upon the qualitative and quantitative factors previously discussed.

 
25.
In the table on page 14, you disclose that you collectively evaluate all or almost all of your construction real estate, commercial real estate and commercial loans for impairment.

 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 16 of 22
 
 
 
Please explain to us why you do not individually evaluate some of these loans for impairment since these types of loans generally have a larger balance and are not homogeneous.

RESPONSE: The Company’s interpretation of relevant guidance (ASC 310-10-35-36) is that loans individually evaluated but not impaired may be included in the assessment of the allowance for loan losses under subtopic ASC 450-20, if specific characteristics of the loan indicate that it is probable that there would be an incurred loss in a group of loans with those characteristics.  Characteristics or risk factors must be specifically identified to support an accrual for losses that have been incurred but that have not yet reached the point where it is probable that amounts will not be collected on a specific individual loan.  It is our understanding that the disclosure required under ASC 310-10-50-11C would group such loans with amounts collectively evaluated for impairment under ASC 450-20.

 
26.
Please future filings to disclose your policy for recognizing interest income and how cash receipts are recorded on impaired loans. Refer to ASC 310-10-50-15(b).

RESPONSE: Future filings will include disclosure similar in form to the following:

Cash receipts on loans deemed impaired are recorded based on the loan’s separate status as a nonaccrual loan or an accrual status loan.

 
27.
Please revise future filings to disclose the information required by ASC 310-10-50-15(c)(l), (2) and (3) for each period for which results of operations are presented.

RESPONSE: The Company had ceased recognition of interest income on loans with a book value of $[amount] and $[amount] at [interim period end date] and [fiscal year end date], respectively.  The average balance of nonaccrual loans for the three- and [ ]-month periods ended [interim period end date] was approximately $[amount] and $[amount], respectively, as compared to $[amount] and $[amount], respectively, for the same periods of the prior fiscal year.  For the three- and [ ]-month periods ended [interim period end date], the Company recognized interest income totaling approximately $[amount] and $[amount], respectively, on nonaccrual loans, as compared to $[amount] and $[amount], respectively, for the same periods of the prior fiscal year.  The full amount of this income on nonaccrual loans was recognized on the cash-basis method of accounting during the periods noted.

 
28.
Please revise future filings to disclose the amount of interest income that represents the change in present value attributable to the passage of time or disclose that you recognize this amount as bad-debt expense. Refer to ASC 310-10-50-19.

RESPONSE: Future filings will include disclosure similar in form to the following:

The amount of interest income recorded for acquired impaired loans that represents a change in the present value of future cash flows attributable to the passage of time was approximately $[amount] and $[amount], respectively, for the three- and [ ]-month periods ended [date], as compared to $[amount] and $[amount], respectively, for the three- and [ ]-month periods ended [date].

 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 17 of 22
 
 
29.           You disclose on page 17 total nonaccrual loans of approximately $103,000 and total impaired loans of approximately $11,182,000 at March 31, 2011. Please tell us in detail and revise future filings to reconcile and to clearly explain the relationship between loans classified as nonaccrual and impaired. Specifically discuss why certain loans are considered impaired but not placed on nonaccrual status.

RESPONSE: In connection with the table on page 17 reporting a total of $102,000 in nonaccrual loans at March 31, 2011, the Company discloses that it has not included purchased impaired loans in this table.  The Company’s purchased impaired loans are reported at a carrying value of $9.9 million.  These loans primarily consist of loans acquired as assets of the former First Southern Bank, Batesville, Arkansas, in December 2010.  These loans were determined to be impaired at the date of acquisition, and an appropriate fair value discount was recorded, including a fair value discount related to interest rate.  An additional $1.3 million in impaired loans was not classified as nonaccrual at March 31, 2011.  This amount represents a single credit relationship that has experienced reduced cash flows.  The Company determined at March 31, 2011, that the related loans did not meet its policy to be deemed a nonaccrual loan, based on its ongoing current payment status and projected maintenance of such status.

Credit Quality Indicators, page 16

 
30.
Please revise future filings to explicitly disclose the date or range of dates for which your loan risk rankings were updated. Refer to ASC 310-10-50-29(c).

RESPONSE: Future filings will be revised to include disclosure similar in form to the following:

Credit Quality Indicators. The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors.  The Company analyzes loans individually by classifying the loans as to credit risk.  This analysis is performed on all loans at origination, and is updated on a quarterly basis for loans risk rated special mention, substandard, or doubtful.  In addition, lending relationships over $250,000 are subject to an independent loan review following origination, and lending relationships in excess of $1,000,000 are subject to an independent loan review annually, in order to verify risk ratings.

Note 5: Accounting for Certain Loans Acquired in a Transfer, page 17

 
31.
Please tell us in detail and revise future filings to disclose your income recognition policy related to the purchase impaired loans in which you cannot reasonably estimate cash flows expected to be collected.

RESPONSE: This disclosure in future filings will be revised as follows:  The Company has reasonably estimated cash flows for the $10.3 million in impaired loans acquired during the nine months ended March 31, 2011, and is accounting for them using the methods required under ASC 310-30-[35].

 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 18 of 22
 
 
32.           Please explain to us your fair value methodology for your purchased impaired loans considering your disclosure that you cannot reasonably estimate cash flows expected to be collected.

RESPONSE: As noted in response to the previous item, the Company has reasonably estimated cash flows for the $10.3 million in impaired loans acquired during the nine months ended March 31, 2011.  These cash flows were discounted in accordance with ASC-310-30-[30] to arrive the reported fair value.

Management's Discussion and Analysis of Financial Condition and Results of Operations, page 23

 
33.
Please revise your MD&A in future filings to quantify the amount of one- to four-family residential mortgage loans with LTV's greater than 80% with no PMI and the amount of HELOC's outstanding at period end and provide an analysis of the credit risk associated with these loans.

RESPONSE: Future filings will be revised to include disclosure similar in form to the following:

The Bank generally originates one- to four-family residential mortgage loans in amounts up to 90% of the lower of the purchase price or appraised value of residential property. For loans originated in excess of 80%, the Bank increases the rate charged by 50 basis points, but does not require private mortgage insurance.  At [interim period end date], the remaining balance of one- to four-family loans originated with a loan-to-value ratio in excess of 80% was $[amount], as compared to $[amount] at [fiscal year end date].  Originating loans with higher loan-to-value ratios presents additional credit risk to the Company.  Consequently, the Company limits this product to borrowers with a favorable credit history and a demonstrable ability to service the debt.

Home equity lines of credit (HELOCs) are secured with a deed of trust and are issued up to 100% of the appraised or assessed value of the property securing the line of credit, less the outstanding balance on the first mortgage. Interest rates on HELOCs are adjustable and are tied to the current prime rate of interest.  This rate is obtained from the Wall Street Journal and adjusts on a daily basis. Interest rates are based upon the loan-to-value ratio of the property, with better rates given to borrowers with more equity. HELOCs are secured by residential properties which is considered to be less risky collateral than other types of security for loans and, because of their adjustable rate structure, contain less interest rate risk to the Bank than other types of lending.  Lending up to 100% of the value of the property, however, presents increased credit risk to the Bank. Consequently, the Bank limits this product to customers with a favorable credit history.  At [interim period end date], the Company had HELOC balances of $[amount] outstanding, of which, lines of credit up to 80% of the property value at origination represented [__%} of outstanding balances, and [__%] of balances and commitments; lines of credit for more than 80%, but not exceeding 90%, of the property value at origination represented [__%] of outstanding balances and [__%] of balances and commitments; and lines of credit in excess of 90% of the property value at origination represented [__%] of outstanding balances and [__%] of balances and commitments.  These figures compared to HELOC balances of $[amount] at [fiscal year end date], of which lines of credit up to 80% of the property value at

 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 19 of 22
 
 
origination represented [__%] of outstanding balances, and [__%] of balances and commitments; lines of credit for more than 80%, but not exceeding 90%, of the property value at origination represented [__%] of outstanding balances and [__%] of balances and commitments; and lines of credit in excess of 90% of the property value at origination represented [__%] of outstanding balances and [__%] of balances and commitments.

Average Balance Sheet for the Three- and Nine-Month Periods Ended March 31, 2011 and 2010, page 28

 
34.
We note your disclosure on page 25 that your results of operations depend primarily on your net interest margin which is directly impacted by the interest rate environment. Considering this disclosure, please revise future interim filings to include a rate/volume analysis.

RESPONSE: Future interim filings will include a rate/volume analysis similar in form to the following:

   
Three-month period ended [date]
Compared to three-month period
ended [date], Increase (Decrease) Due to
 
[ ]-month period ended [date]
Compared to [ ]-month period
ended [date], Increase (Decrease) Due to
(dollars in thousands)
 
Rate
Volume
Rate/
Volume
Net
 
Rate
Volume
Rate/
Volume
Net
Interest-earnings assets:
                   
  Loans receivable (1)
 
$       -
$         -
 $        -
$       -
 
$       -
 $        -
 $        -
$       -
  Mortgage-backed securities
 
         -
           -
           -
         -
 
         -
           -
           -
         -
  Investment securities (2)
 
         -
           -
           -
         -
 
         -
           -
           -
         -
  Other interest-earning deposits
 
         -
           -
           -
         -
 
         -
           -
           -
         -
Total net change in income on
                   
  interest-earning assets
 
         -
           -
           -
         -
 
         -
           -
           -
         -
                     
Interest-bearing liabilities:
                   
  Deposits
 
         -
           -
           -
         -
 
         -
           -
           -
         -
  Securities sold under
                   
    agreements to repurchase
 
         -
           -
           -
         -
 
         -
           -
           -
         -
  Subordinated debt
 
         -
           -
           -
         -
 
         -
           -
           -
         -
  FHLB advances
 
         -
           -
           -
         -
 
         -
           -
           -
         -
Total net change in expense on
                   
  interest-bearing liabilities
 
         -
           -
           -
         -
 
         -
           -
           -
         -
Net change in net interest income
 
$       -
 $        -
 $        -
$       -
 
$       -
 $        -
 $        -
$       -


Results of Operations Comparison of the Three- and Nine-Month Periods Ended March 31, 2011 and 2010

Provisions for Loan Losses, page 31

 
35.
You disclose that the increase in the provision for loan losses to $1.2 million from $101,000 during the three months ended March 31, 2011 and 2010, respectively, was attributed to an additional $2.8 million in classified loans primarily attributable to

 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 20 of 22
 
 
 
identification of problem credits within the loan portfolio obtained in the acquisition which occurred in December 2010. Please tell us whether these classified loans were accounted for under ASC 310-30 (loans acquired with deteriorated credit quality). Also explain to us in detail and revise future filings to discuss the facts and circumstances related to the credit quality of the newly acquired classified loans that resulted in such a large provision immediately after acquisition considering any existing credit impairment should have been provided for in purchase accounting by measuring the loans at fair value.

RESPONSE: The increase in provision for loan losses was based on the Company’s continuous analysis of the loan portfolio and the allowance for loan losses; the current quarter’s analysis was conducted based on an increased level of classified assets and recent significant loan growth.  The additional $2.8 million in classified loans was attributed primarily to the identification of problem credits within the loan portfolio obtained in the December 2010 acquisition.  Of this amount, approximately 70% related to loans not accounted for under ASC 310-30 (loans acquired with deteriorated credit quality) because the deteriorated quality of these loans was not identified until after purchase accounting adjustments were completed.  Of the amount that related to loans acquired with credit impairment, none were determined at March 31, 2011, to be impaired beyond the fair value recorded under ASC 310-30.  Additionally, the classification of additional assets did contribute to the judgment by the Company to increase qualitative factors, including changes in nature and mix of portfolio; experience, ability, and depth of lending management and staff; entry into new markets; and levels and trends of delinquent, nonaccrual, special mention and classified loans.  As the Company continues to evaluate the loan portfolio and the related allowance for loan losses, additional information regarding the acquired loan portfolio becomes available regarding borrower financial strength, collateral condition and value, and other factors related both to individual credits and the portfolio as a whole.  In many instances, it is not possible to determine whether the information reflects losses that were incurred at the time of the acquisition in December 2010 or at the time the information becomes known.

Future filings will include more detailed disclosure as detailed above.

Nonperforming Assets, page 33

 
36.
Please revise future filings to separately disclose non-accrual-loans and those 90 days + delinquent and still accruing.


 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 21 of 22
 
 
RESPONSE: Future filings will include disclosure in form similar to the following:

 
Current
period end
Prior fiscal year end
Year ago period end
       
       
Nonaccruing loans:
     
    Residential real estate
$                 ---
$                 ---
$                 ---
    Commercial real estate
---
---
---
    Consumer                                         
---
---
---
    Commercial business
                   ---
                   ---
                   ---
       Total                                         
$                 ---
$                 ---
$                 ---
       
Troubled debt restructurings:
     
    Residential real estate
$                 ---
$                 ---
$                 ---
    Commercial real estate
---
---
---
    Consumer                                         
---
---
---
    Commercial business
                   ---
                   ---
                   ---
       Total                                         
$                 ---
$                 ---
$                 ---
       
Loans 90 days past due
   accruing interest:
     
    Residential real estate
$                 ---
$                 ---
$                 ---
    Commercial real estate
---
---
---
    Consumer                                         
---
---
---
    Commercial business
                   ---
                   ---
                   ---
       Total                                         
$                 ---
$                 ---
$                 ---
       
Total nonperforming loans
$                 ---
$                 ---
$                 ---
       
Nonperforming investments
$                 ---
$                 ---
$                 ---
Foreclosed assets held for sale:
     
    Real estate owned
---
---
---
    Other nonperforming assets
                   ---
                   ---
                   ---
       Total nonperforming assets
$                 ---
$                 ---
$                 ---


 
37.
We note the significant increase in impaired loans from June 30, 2010 to March 31, 2011 especially in impaired loans with no allowance. Please revise future filings to provide an analysis of this trend and to specifically explain the reasons so many of the impaired loans did not required a specific allocation of the allowance for loan losses.

RESPONSE: Future filings will include commentary on the trend in impaired loans and specifically explain the reasons so many of the impaired loans did not require a specific allocation of the allowance for loan losses.  At March 31, 2011, impaired loans acquired with deteriorated credit quality included $9.3 million (fair value) in loans obtained in the December 2010 acquisition of the former First Southern Bank, Batesville, Arkansas, which accounted for the increase in such loans since June 30, 2010.  These loans had an outstanding principal balance of $13.1 million at acquisition, and a fair value discount related to credit impairment of $3.8 million.  As of March 31, 2011, none of these loans were deemed impaired beyond the fair value discount related to credit estimated at the December 2010 acquisition date.

 
 
 
 
 
 
Michael Clampitt, Senior Counsel
June 24, 2011
Page 22 of 22
 
 
Closing Comments
In connection with responding to the Comment Letter, the Registrant acknowledges that:

 
·
it is responsible for the adequacy and accuracy of the disclosure in the filing;
 
·
staff comments or changes to disclosure in response to staff comments do not foreclose the Commission from taking any action with respect to the filing; and
 
·
the Registrant may not assert staff comments as a defense in any proceeding initiated by the Commission or any person under the federal securities laws of the United States.

If the Staff has any questions or comments with respect to these responses to comments, please call me at (202) 295-4527 or Craig Scheer at (202) 295-4525.

Very truly yours,

/s/ Martin L. Meyrowitz

Martin L. Meyrowitz, P.C.

cc:        Michael Volley
Amit Pande
Jessica Livingston
Greg Steffens