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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 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,556,5372,431,7535.132,483,64111.74
Loans Held for Sale, before Reserves7,6413,811100.505,301176.57
Loan Loss Reserve17,91119,736(9.25)15,99347.97
Net Loans Receivable2,546,2672,415,8285.402,472,94911.86
Intangible Assets96,12898,068(1.98)96,580(1.87)
Total Assets5,563,7675,161,9967.785,464,9037.24
Deposits3,533,0763,455,4072.253,581,387(5.40)
Debt, Senior and Subordinated1,475,0791,210,34821.871,342,27439.58
Common Equity518,274444,06216.71472,56038.69
Total Shareholders' Equity518,274444,06216.71472,56038.69
Shares Outstanding (actual)28,542,88726,670,0007.0226,278,17734.47
Income Statement ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income34,64134,697(0.16)33,9308.38
Provision for Loan Losses2,0651,9515.841,631106.44
Noninterest Income9,3898,6119.039,3890.00
Noninterest Expense25,87727,695(6.56)28,425(35.86)
Net Income Before Taxes13,41213,1302.1515,606(56.23)
Provision for Taxes1,8391,43827.892,741(131.63)
Net Income11,57311,692(1.02)12,865(40.17)
Per Share Items ($)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share18.1616.659.0517.983.89
Tangible Book Value14.7912.9714.0014.3113.48
Diluted EPS Before Extra0.430.44(1.85)0.49(48.98)
Diluted EPS After Extra0.430.44(1.85)0.49(48.98)
Dividends Declared0.30000.29521.610.2400100.00
Performance Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA0.830.92(9)0.98(15)
ROAE9.5610.35(79)10.78(122)
Net Interest Margin3.033.35(32)3.19(16)
Loans / Deposits72.3670.3819869.35301
Efficiency Ratio52.0058.45(645)53.88(188)
Balance Sheet Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.726.83897.0072
Equity/ Assets9.328.60718.6567
Asset Quality Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.270.63(36)0.29(2)
Loan Loss Reserves/ Gross Loans0.700.81(11)0.646
Loan Loss Reserves/ NPAs118.6260.775,78599.911,871
Net Charge-offs/ Avg Loans0.020.11(8)0.09(7)
Regulatory Capital Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio16.3714.5618114.07230
   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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