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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)
2013 Q12012 Q1Y-Y
Ch (%)
2012 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,281,6471,140,89312.341,262,9775.91
Loans Held for Sale, before Reserves3,1381,90264.983,601(51.43)
Loan Loss Reserve18,54220,074(7.63)20,585(39.70)
Net Loans Receivable1,266,2431,122,72112.781,245,9936.50
Intangible Assets22,31722,501(0.82)22,358(0.73)
Total Assets3,312,0973,217,4442.943,237,4039.23
Deposits2,337,2372,310,4521.162,351,897(2.49)
Debt, Senior and Subordinated614,350515,93819.07581,59622.53
Common Equity255,712259,879(1.60)257,763(3.18)
Total Shareholders' Equity255,712259,879(1.60)257,763(3.18)
Shares Outstanding (actual)17,842,46318,202,366(1.98)17,920,191(1.73)
Income Statement ($000)
2013 Q12012 Q1Y-Y
Ch (%)
2012 Q4Q-Q
Ch (%)
Net Interest Income20,93023,996(12.78)20,5766.88
Provision for Loan Losses4923,052(83.88)2,245(312.34)
Noninterest Income5,9375,4488.986,259(20.58)
Noninterest Expense20,31918,5229.7019,41318.67
Net Income Before Taxes10,37913,229(21.54)9,57233.72
Provision for Taxes1,8543,090(40.00)1,352148.52
Net Income8,52510,139(15.92)8,22014.84
Per Share Items ($)
2013 Q12012 Q1Y-Y
Ch (%)
2012 Q4Q-Q
Ch (%)
Book Value per Share14.3314.280.3814.38(1.45)
Tangible Book Value13.0813.040.3113.14(1.69)
Diluted EPS Before Extra0.480.56(14.29)0.4528.94
Diluted EPS After Extra0.480.56(14.29)0.4528.94
Dividends Declared0.19050.163316.670.5048(249.06)
Performance Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
ROAA1.081.26(18)1.008
ROAE13.3815.34(196)11.80158
Net Interest Margin3.203.52(32)3.0911
Loans / Deposits54.8449.3854653.70114
Efficiency Ratio68.2157.181,10364.75346
Balance Sheet Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.097.43(34)7.32(23)
Equity/ Assets7.728.08(36)7.96(24)
Asset Quality Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.380.43(5)0.45(7)
Loan Loss Reserves/ Gross Loans1.441.76(31)1.63(18)
Loan Loss Reserves/ NPAs147.40144.33307140.01739
Net Charge-offs/ Avg Loans0.800.55250.81(1)
Regulatory Capital Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)
2012 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio20.3920.46(7)21.16(77)
   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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