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

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Balance Sheet ($000)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,431,7532,181,13311.492,239,14634.41
Loans Held for Sale, before Reserves3,8112,89931.464,883(87.81)
Loan Loss Reserve19,73613,29248.4818,40229.00
Net Loans Receivable2,415,8282,170,74011.292,225,62734.18
Intangible Assets98,068100,216(2.14)98,610(2.20)
Total Assets5,162,0764,807,2617.384,837,47526.84
Deposits3,455,4073,374,4172.403,327,87715.33
Debt, Senior and Subordinated1,210,428961,96825.831,003,87582.30
Common Equity444,062425,2434.43447,148(2.76)
Total Shareholders' Equity444,062425,2434.43447,148(2.76)
Shares Outstanding (actual)25,396,00025,317,1000.3125,372,5280.37
Income Statement ($000)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income34,69725,35436.8533,28516.97
Provision for Loan Losses1,9513,287(40.64)2,276(57.12)
Noninterest Income8,6116,49532.588,4865.89
Noninterest Expense28,43122,32427.3626,53728.55
Net Income Before Taxes13,130(7,863)NM13,733(17.56)
Provision for Taxes1,438(3,918)NM1,971(108.17)
Net Income11,692(3,945)NM11,762(2.38)
Per Share Items ($)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share17.4916.804.1017.62(3.13)
Tangible Book Value13.6212.846.1213.74(3.29)
Diluted EPS Before Extra0.46(0.19)NM0.460.00
Diluted EPS After Extra0.46(0.19)NM0.460.00
Dividends Declared0.31000.30481.720.2300139.13
Performance Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA0.92(0.43)1350.96(4)
ROAE10.35(4.94)1,52910.65(30)
Net Interest Margin3.353.42(7)3.350
Loans / Deposits70.3864.6457467.28309
Efficiency Ratio58.4560.04(159)56.59186
Balance Sheet Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.836.91(7)7.35(52)
Equity/ Assets8.608.85(24)9.24(64)
Asset Quality Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.630.26370.70(7)
Loan Loss Reserves/ Gross Loans0.810.61200.82(1)
Loan Loss Reserves/ NPAs60.77108.30(4,753)54.73604
Net Charge-offs/ Avg Loans0.110.87(76)0.13(2)
Regulatory Capital Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA16.12NANANA
   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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