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Investor Relations



Southern Missouri Bancorp, Inc.


Southern Missouri Bancorp, Inc. ("Company"), a Missouri corporation, was organized in 1994 and is the parent Company of Southern Bank (“the Bank”). The Company's Common Stock is quoted on the NASDAQ Global Market under the symbol "SMBC".
Southern Bank was originally chartered as a mutual Missouri savings and loan association in 1887. In 2004, the Bank converted from a Missouri chartered stock savings bank to a Missouri state-chartered trust company with banking powers.
Southern Missouri Savings Bank was originally chartered as a mutual Missouri savings and loan association in 1887. On June 20, 1995, it converted to a federally chartered stock savings bank and took the name Southern Missouri Savings Bank, FSB. On February 17, 1998, Southern Missouri Savings Bank converted from a federally chartered stock savings bank to a Missouri chartered stock savings bank and changed its name to Southern Missouri Bank & Trust Co. On June 4, 2004, Southern Missouri Bank & Trust Co. converted from a Missouri chartered stock savings bank to a Missouri state chartered trust company with banking powers ("Charter Conversion"). On June 1, 2009, the institution changed its name to Southern Bank ("Bank").

The primary regulator of the Bank is the Missouri Division of Finance. The Bank is a member of the Federal Reserve, and the Federal Reserve Board ("FRB") is the Bank’s primary federal regulator. The Bank's deposits continue to be insured up to applicable limits by the Deposit Insurance Fund ("DIF") of the Federal Deposit Insurance Corporation ("FDIC"). With the Bank's conversion to a trust company with banking powers, the Company became a bank holding company regulated by the FRB.

The principal business of the Bank consists primarily of attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines ("FHLB"), and to a lesser extent, brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, and consumer loans. These funds are also used to purchase mortgage-backed and related securities ("MBS"), U.S. Government Agency obligations, municipal bonds, and other permissible investments.

At September 30, 2014, the Company had total assets of $1.3 billion, total deposits of $1.0 billion and stockholders' equity of $126.3 million. The Company's revenues are derived principally from interest earned on loans, debt securities, MBS, CMOs and, to a lesser extent, banking service charges, bank card interchange fees, loan late charges, increases in the cash surrender value of bank owned life insurance, and other fee income.



Contact Information

Southern Missouri Bancorp, Inc.
2991 Oak Grove Road,
Poplar Bluff, MO 63901
(573) 778-1800
Investor Relations Contact
Lorna Brannum
bancorp@bankwithsouthern.com
Transfer Agent
Computershare
Regular Mail:
P.O. BOX 30170 College Station, TX 77842
UNITED STATES

Overnight Delivery:
211 Quality Circle Suite 210 College Station, TX 77845
UNITED STATES
(800) 368-5948

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