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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 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,483,6412,239,14610.922,384,32116.66
Loans Held for Sale, before Reserves5,3014,8838.565,883(39.57)
Loan Loss Reserve15,99318,402(13.09)14,90829.11
Net Loans Receivable2,472,9492,225,62711.112,375,29616.44
Intangible Assets96,58098,610(2.06)97,054(1.95)
Total Assets5,464,9034,837,39412.975,034,92834.16
Deposits3,581,3873,327,8777.623,570,2491.25
Debt, Senior and Subordinated1,342,2741,003,79433.72944,788168.29
Common Equity472,560447,1485.68472,3000.22
Total Shareholders' Equity472,560447,1485.68472,3000.22
Shares Outstanding (actual)26,278,17726,645,000(1.38)26,251,2700.41
Income Statement ($000)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income33,93033,2831.9434,379(5.22)
Provision for Loan Losses1,6312,276(28.34)3,768(226.86)
Noninterest Income9,3898,48610.648,64234.58
Noninterest Expense28,42526,5357.1225,81440.46
Net Income Before Taxes15,60613,73313.6414,16740.63
Provision for Taxes2,7411,97139.072,772(4.47)
Net Income12,86511,7629.3811,39551.60
Per Share Items ($)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share17.9816.787.1617.99(0.19)
Tangible Book Value14.3113.089.3814.290.37
Diluted EPS Before Extra0.490.4411.850.4355.81
Diluted EPS After Extra0.490.4411.850.4355.81
Dividends Declared0.24000.21909.570.228620.00
Performance Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA0.980.9620.908
ROAE10.7810.65139.9187
Net Interest Margin3.193.35(16)3.35(16)
Loans / Deposits69.3567.2820666.78257
Efficiency Ratio53.8856.59(271)52.85103
Balance Sheet Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.007.36(35)7.60(60)
Equity/ Assets8.659.24(60)9.38(73)
Asset Quality Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.290.70(41)0.49(20)
Loan Loss Reserves/ Gross Loans0.640.82(18)0.622
Loan Loss Reserves/ NPAs99.9154.734,51860.843,907
Net Charge-offs/ Avg Loans0.090.13(4)1.75(166)
Regulatory Capital Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio14.0715.84(177)14.47(40)
   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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