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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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,443,2312,174,61412.352,431,7531.89
Loans Held for Sale, before Reserves4,9714,09621.363,811121.75
Loan Loss Reserve21,79916,92628.7919,73641.81
Net Loans Receivable2,426,4032,161,78412.242,415,8281.75
Intangible Assets97,54998,636(1.10)98,068(2.12)
Total Assets5,019,0124,732,3936.065,162,076(11.09)
Deposits3,619,3683,495,3403.553,455,40718.98
Debt, Senior and Subordinated881,947753,22717.091,210,428(108.55)
Common Equity457,576434,8145.23444,06212.17
Total Shareholders' Equity457,576434,8145.23444,06212.17
Shares Outstanding (actual)26,218,16026,597,173(1.43)26,665,968(6.72)
Income Statement ($000)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income36,61733,7918.3634,69722.13
Provision for Loan Losses2,3163,848(39.81)1,95174.83
Noninterest Income9,1558,31210.148,61125.27
Noninterest Expense29,40827,4477.1427,69524.74
Net Income Before Taxes16,48911,28246.1513,130102.33
Provision for Taxes2,9731,90356.231,438426.98
Net Income13,5169,37944.1111,69262.40
Per Share Items ($)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share17.4516.356.7616.6519.21
Tangible Book Value13.7312.648.6412.9823.33
Diluted EPS Before Extra0.510.3545.950.4469.57
Diluted EPS After Extra0.510.3545.950.4469.57
Dividends Declared0.21900.20865.000.2952(103.23)
Performance Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA1.070.79280.9215
ROAE11.968.7931710.35161
Net Interest Margin3.513.5013.3516
Loans / Deposits67.5062.2152970.38(287)
Efficiency Ratio57.4761.85(438)58.45(98)
Balance Sheet Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.327.2566.8348
Equity/ Assets9.129.19(7)8.6051
Asset Quality Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.680.58100.635
Loan Loss Reserves/ Gross Loans0.890.78110.818
Loan Loss Reserves/ NPAs64.0462.0919560.77327
Net Charge-offs/ Avg Loans0.040.0400.11(6)
Regulatory Capital Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA16.40NANANA
   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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