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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)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,391,2851,293,4297.571,370,3936.10
Loans Held for Sale, before Reserves7557244.282071,058.94
Loan Loss Reserve18,40818,3700.2118,787(8.07)
Net Loans Receivable1,373,6321,275,7837.671,351,8136.46
Intangible Assets22,15722,279(0.55)22,183(0.47)
Total Assets3,498,6623,385,6653.343,434,3447.49
Deposits2,601,4782,499,3384.092,546,8438.58
Debt, Senior and Subordinated576,491588,077(1.97)588,482(8.15)
Common Equity283,960236,12020.26271,39318.52
Total Shareholders' Equity283,960236,12020.26271,39318.52
Shares Outstanding (actual)18,845,61818,883,087(0.20)18,825,6540.42
Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income27,85624,87112.0027,892(0.52)
Provision for Loan Losses2,6502,02131.124,133(143.53)
Noninterest Income6,0176,095(1.28)5,79515.32
Noninterest Expense19,74621,166(6.71)20,182(8.64)
Net Income Before Taxes11,29512,780(11.62)9,38381.51
Provision for Taxes8381,712(51.05)1,159(110.79)
Net Income10,45711,068(5.52)8,224108.61
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share15.0712.5020.5014.4218.08
Tangible Book Value13.8911.3222.6713.2419.77
Diluted EPS Before Extra0.550.59(6.78)0.44100.00
Diluted EPS After Extra0.550.59(6.78)0.44100.00
Dividends Declared0.21000.190510.250.200020.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA1.221.33(11)0.9626
ROAE15.0917.17(208)12.44265
Net Interest Margin3.943.66283.931
Loans / Deposits53.4851.7517353.81(33)
Efficiency Ratio53.5157.98(447)53.3021
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.536.361177.3023
Equity/ Assets8.126.971147.9021
Asset Quality Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.420.3660.3210
Loan Loss Reserves/ Gross Loans1.321.42(10)1.37(5)
Loan Loss Reserves/ NPAs126.68149.71(2,303)172.53(4,585)
Net Charge-offs/ Avg Loans0.880.68201.24(35)
Regulatory Capital Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio20.8619.929420.88(2)
   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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