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

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Balance Sheet ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,370,3931,281,6476.921,351,2735.66
Loans Held for Sale, before Reserves2073,138(93.40)151148.34
Loan Loss Reserve18,78718,5421.3218,877(1.91)
Net Loans Receivable1,351,8131,266,2436.761,332,5475.78
Intangible Assets22,18322,317(0.60)22,212(0.52)
Total Assets3,434,3443,312,2833.693,445,663(1.31)
Deposits2,546,8432,337,2378.972,527,8083.01
Debt, Senior and Subordinated588,482614,350(4.21)633,964(28.70)
Common Equity271,393255,8986.06259,51818.30
Total Shareholders' Equity271,393255,8986.06259,51818.30
Shares Outstanding (actual)18,825,65418,734,5860.4918,812,4120.28
Income Statement ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income27,89221,46029.9728,662(10.75)
Provision for Loan Losses4,133492740.042,726206.46
Noninterest Income5,7955,937(2.39)6,328(33.69)
Noninterest Expense20,18220,319(0.67)19,9644.37
Net Income Before Taxes9,38310,889(13.83)13,468(121.32)
Provision for Taxes1,1591,847(37.25)1,281(38.10)
Net Income8,2249,042(9.05)12,187(130.07)
Per Share Items ($)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share14.4213.665.5413.8018.01
Tangible Book Value13.2412.476.1712.6119.77
Diluted EPS Before Extra0.440.48(8.33)0.65(128.24)
Diluted EPS After Extra0.440.48(8.33)0.65(128.24)
Dividends Declared0.20000.181410.250.2952(129.03)
Performance Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.961.14(18)1.37(41)
ROAE12.4414.19(175)19.56(712)
Net Interest Margin3.933.32614.00(7)
Loans / Deposits53.8154.84(103)53.4635
Efficiency Ratio53.3066.28(1,298)47.23607
Balance Sheet Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.307.10206.9337
Equity/ Assets7.907.73187.5337
Asset Quality Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.320.38(6)0.39(7)
Loan Loss Reserves/ Gross Loans1.371.44(7)1.40(3)
Loan Loss Reserves/ NPAs172.53147.402,513138.773,376
Net Charge-offs/ Avg Loans1.240.80440.9627
Regulatory Capital Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio20.8820.424620.4741
   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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