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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 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,398,6741,317,5686.161,391,2852.12
Loans Held for Sale, before Reserves75,43649615,108.8775539,566.09
Loan Loss Reserve13,41519,356(30.69)18,408(108.50)
Net Loans Receivable1,460,6951,298,70812.471,373,63225.35
Intangible AssetsNA22,245NA22,157NA
Total Assets3,368,0313,469,623(2.93)3,498,662(14.93)
Deposits2,443,5642,408,3661.462,601,478(24.28)
Debt, Senior and SubordinatedNA758,630NA576,491NA
Common Equity291,109240,95720.81283,96010.07
Total Shareholders' Equity291,109240,95720.81283,96010.07
Shares Outstanding (actual)18,915,46518,909,3690.0318,845,6181.48
Income Statement ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income25,72026,641(3.46)27,856(30.67)
Provision for Loan Losses4,8683,64033.742,650334.79
Noninterest Income6,1076,555(6.83)6,0175.98
Noninterest Expense19,55220,264(3.51)19,746(3.93)
Net Income Before Taxes5,8549,150(36.02)11,295(192.69)
Provision for Taxes(243)257NM838NM
Net Income6,0978,893(31.44)10,457(166.78)
Per Share Items ($)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share15.3912.7420.7715.078.56
Tangible Book ValueNA11.57NA13.89NA
Diluted EPS Before Extra0.320.47(31.91)0.55(167.27)
Diluted EPS After Extra0.320.47(31.91)0.55(167.27)
Dividends Declared0.22000.190515.500.210019.05
Performance Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.721.03(31)1.22(50)
ROAE8.4115.01(660)15.09(668)
Net Interest Margin3.803.7283.94(14)
Loans / Deposits57.2454.7125353.48376
Efficiency Ratio55.0554.436253.51154
Balance Sheet Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA6.34NA7.53NA
Equity/ Assets8.646.941708.1253
Asset Quality Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.290.39(10)0.42(13)
Loan Loss Reserves/ Gross Loans0.911.47(56)1.32(41)
Loan Loss Reserves/ NPAs136.01141.79(578)126.68933
Net Charge-offs/ Avg Loans2.780.821970.88190
Regulatory Capital Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA20.02NA20.86NA
   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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