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SOUTHSIDE BANCSHARES, INC. (NASDAQ - SBSI)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,538,9182,443,2313.922,556,537(2.76)
Loans Held for Sale, before Reserves5,3034,9716.687,641(122.39)
Loan Loss Reserve18,48521,799(15.20)17,91112.82
Net Loans Receivable2,525,7362,426,4034.092,546,267(3.23)
Intangible Assets95,69797,549(1.90)96,128(1.79)
Total Assets5,656,2495,018,93312.705,563,7676.65
Deposits3,705,2963,619,3682.373,533,07619.50
Debt, Senior and Subordinated1,372,040881,86855.581,475,079(27.94)
Common Equity531,466457,57616.15518,27410.18
Total Shareholders' Equity531,466457,57616.15518,27410.18
Shares Outstanding (actual)28,587,00026,222,0009.0228,542,8870.62
Income Statement ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income35,28036,616(3.65)34,6417.38
Provision for Loan Losses1,0982,316(52.59)2,065(187.31)
Noninterest Income9,3519,1552.149,389(1.62)
Noninterest Expense25,85829,407(12.07)25,877(0.29)
Net Income Before Taxes17,99716,4899.1513,412136.74
Provision for Taxes3,0082,9731.181,839254.27
Net Income14,98913,51610.9011,573118.07
Per Share Items ($)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share18.5917.456.5418.169.55
Tangible Book Value15.2413.7311.0214.7912.27
Diluted EPS Before Extra0.520.511.110.4383.72
Diluted EPS After Extra0.520.511.110.4383.72
Dividends Declared0.25000.219014.130.3000(66.67)
Performance Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.081.0710.8325
ROAE11.5711.96(39)9.56201
Net Interest Margin3.083.51(43)3.035
Loans / Deposits68.5267.5010272.36(384)
Efficiency Ratio51.6057.47(587)52.00(40)
Balance Sheet Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.847.32527.7212
Equity/ Assets9.409.12289.328
Asset Quality Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.250.68(43)0.27(2)
Loan Loss Reserves/ Gross Loans0.730.89(16)0.703
Loan Loss Reserves/ NPAs131.3064.046,726118.621,268
Net Charge-offs/ Avg Loans0.080.0440.026
Regulatory Capital Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.37NA16.37NA
   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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