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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 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,179,8631,391,28556.682,174,6140.97
Loans Held for Sale, before Reserves7,431755884.244,096325.68
Loan Loss Reserve16,82218,408(8.62)16,926(2.46)
Net Loans Receivable2,170,4721,373,63258.012,161,7841.61
Intangible AssetsNA22,157NA98,636NA
Total Assets4,856,0183,498,66238.804,732,39310.45
Deposits3,468,6832,601,47833.343,495,340(3.05)
Debt, Senior and SubordinatedNA576,491NA753,227NA
Common Equity431,674283,96052.02434,814(2.89)
Total Shareholders' Equity431,674283,96052.02434,814(2.89)
Shares Outstanding (actual)25,347,85719,787,89928.1025,330,6410.27
Income Statement ($000)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income32,90527,85618.1333,791(10.49)
Provision for Loan Losses2682,650(89.89)3,848(372.14)
Noninterest Income8,3146,01738.188,572(12.04)
Noninterest Expense27,92519,74641.4229,709(24.02)
Net Income Before Taxes13,13111,29516.2511,28265.56
Provision for Taxes1,967838134.731,90313.45
Net Income11,16410,4576.769,37976.13
Per Share Items ($)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share17.0314.3518.6717.17(3.16)
Tangible Book ValueNA13.23NA13.27NA
Diluted EPS Before Extra0.440.53(16.98)0.3775.68
Diluted EPS After Extra0.440.53(16.98)0.3775.68
Dividends Declared0.23000.200015.000.219020.00
Performance Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA0.931.22(29)0.7914
ROAE10.3015.09(479)8.79151
Net Interest Margin3.393.94(55)3.50(11)
Loans / Deposits62.8453.4893662.2163
Efficiency Ratio59.9853.5164762.07(209)
Balance Sheet Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.53NA7.25NA
Equity/ Assets8.898.12779.19(30)
Asset Quality Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.570.42150.58(1)
Loan Loss Reserves/ Gross Loans0.771.32(55)0.78(1)
Loan Loss Reserves/ NPAs60.59126.68(6,609)62.09(150)
Net Charge-offs/ Avg Loans0.070.88(82)0.043
Regulatory Capital Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA20.86NA16.40NA
   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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