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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 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,174,6141,370,39358.692,181,133(1.20)
Loans Held for Sale, before Reserves4,0962071,878.742,899165.16
Loan Loss Reserve16,92618,787(9.91)13,292109.36
Net Loans Receivable2,161,7841,351,81359.922,170,740(1.65)
Intangible Assets98,63622,183344.65100,216(6.31)
Total Assets4,732,3933,434,34437.804,807,261(6.23)
Deposits3,495,3402,546,84337.243,374,41714.33
Debt, Senior and Subordinated753,227588,48227.99961,968(86.80)
Common Equity434,814271,39360.22425,2439.00
Total Shareholders' Equity434,814271,39360.22425,2439.00
Shares Outstanding (actual)25,330,64119,766,93728.1525,313,9130.26
Income Statement ($000)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income33,79127,89221.1525,354133.11
Provision for Loan Losses3,8484,133(6.90)3,28768.27
Noninterest Income8,5725,79547.926,495127.91
Noninterest Expense29,70920,18247.2122,324132.32
Net Income Before Taxes11,2829,38320.24(7,863)NM
Provision for Taxes1,9031,15964.19(3,918)NM
Net Income9,3798,22414.04(3,945)NM
Per Share Items ($)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share17.1713.7325.0316.808.73
Tangible Book Value13.2712.615.2712.8413.45
Diluted EPS Before Extra0.370.41(9.76)(0.19)NM
Diluted EPS After Extra0.370.41(9.76)(0.19)NM
Dividends Declared0.21900.190515.000.3048(112.50)
Performance Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.790.96(17)(0.43)122
ROAE8.7912.44(365)(4.94)1,373
Net Interest Margin3.503.93(43)3.428
Loans / Deposits62.2153.8184164.64(242)
Efficiency Ratio62.0753.3087760.04203
Balance Sheet Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.257.30(5)6.9135
Equity/ Assets9.197.901298.8534
Asset Quality Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.580.32260.2632
Loan Loss Reserves/ Gross Loans0.781.37(59)0.6117
Loan Loss Reserves/ NPAs62.09172.53(11,044)108.30(4,621)
Net Charge-offs/ Avg Loans0.041.24(120)0.87(83)
Regulatory Capital Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio16.4020.88(448)16.1228
   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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