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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 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,682,7662,483,6418.022,610,19811.12
Loans Held for Sale, before Reserves2,1775,301(58.93)3,036(113.18)
Loan Loss Reserve19,87115,99324.2519,24113.10
Net Loans Receivable2,665,0722,472,9497.772,593,99310.96
Intangible Assets94,89996,580(1.74)95,287(1.63)
Total Assets5,484,4305,464,9030.365,578,482(6.74)
Deposits3,564,1753,581,387(0.48)3,624,073(6.61)
Debt, Senior and Subordinated1,310,0881,342,274(2.40)1,344,915(10.36)
Common Equity556,023472,56017.66547,0656.55
Total Shareholders' Equity556,023472,56017.66547,0656.55
Shares Outstanding (actual)29,433,43726,939,0009.2629,343,9541.22
Income Statement ($000)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income34,96033,9303.0435,424(5.24)
Provision for Loan Losses9601,631(41.14)1,346(114.71)
Noninterest Income8,7819,389(6.48)9,368(25.06)
Noninterest Expense24,52728,425(13.71)24,989(7.40)
Net Income Before Taxes18,40115,60617.9117,83412.72
Provision for Taxes3,8902,74141.923,35364.06
Net Income14,51112,86512.7914,4810.83
Per Share Items ($)
2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share18.8917.547.6918.645.31
Tangible Book Value15.6713.9612.2515.407.03
Diluted EPS Before Extra0.490.482.080.490.00
Diluted EPS After Extra0.490.482.080.490.00
Dividends Declared0.28000.234119.580.273210.00
Performance Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.030.9851.04(1)
ROAE10.3810.78(40)10.70(32)
Net Interest Margin3.023.19(17)3.07(5)
Loans / Deposits75.2769.3559272.02325
Efficiency Ratio49.9953.88(389)50.26(27)
Balance Sheet Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.567.001558.2432
Equity/ Assets10.148.651499.8133
Asset Quality Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.170.29(12)0.161
Loan Loss Reserves/ Gross Loans0.740.64100.740
Loan Loss Reserves/ NPAs217.9199.9111,800209.94797
Net Charge-offs/ Avg Loans0.050.09(4)0.09(4)
Regulatory Capital Ratios (%)
2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio16.6214.0725516.68(6)
   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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