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SOUTHSIDE BANCSHARES, INC. (NASDAQ - SBSI)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,384,3212,179,8639.382,443,231(9.64)
Loans Held for Sale, before Reserves5,8837,431(20.83)4,97173.39
Loan Loss Reserve14,90816,822(11.38)21,799(126.45)
Net Loans Receivable2,375,2962,170,4729.442,426,403(8.43)
Intangible Assets97,05498,225(1.19)97,549(2.03)
Total Assets5,035,0054,856,0183.695,019,0121.27
Deposits3,570,2493,468,6832.933,619,368(5.43)
Debt, Senior and Subordinated944,865917,3483.00881,94728.54
Common Equity472,300431,6749.41457,57612.87
Total Shareholders' Equity472,300431,6749.41457,57612.87
Shares Outstanding (actual)26,251,27026,623,000(1.40)26,222,0000.45
Income Statement ($000)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income34,37932,9054.4836,617(24.45)
Provision for Loan Losses3,7682681,305.972,316250.78
Noninterest Income8,6428,826(2.08)9,155(22.41)
Noninterest Expense25,81427,182(5.03)29,408(48.88)
Net Income Before Taxes14,16713,1317.8916,489(56.33)
Provision for Taxes2,7721,96740.932,973(27.04)
Net Income11,39511,1642.0713,516(62.77)
Per Share Items ($)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share17.9916.2110.9617.4512.41
Tangible Book Value14.2912.5214.1313.7316.44
Diluted EPS Before Extra0.430.422.610.51(65.56)
Diluted EPS After Extra0.430.422.610.51(65.56)
Dividends Declared0.22860.21904.350.219017.39
Performance Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA0.900.93(3)1.07(17)
ROAE9.9110.30(39)11.96(205)
Net Interest Margin3.353.39(4)3.51(16)
Loans / Deposits66.7862.8439467.50(72)
Efficiency Ratio52.8560.43(758)57.47(462)
Balance Sheet Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.607.01597.3228
Equity/ Assets9.388.89499.1226
Asset Quality Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.490.57(8)0.68(19)
Loan Loss Reserves/ Gross Loans0.620.77(15)0.89(27)
Loan Loss Reserves/ NPAs60.8460.592564.04(320)
Net Charge-offs/ Avg Loans1.750.071690.04171
Regulatory Capital Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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