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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)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,351,2731,262,9776.991,317,56810.23
Loans Held for Sale, before Reserves1513,601(95.81)496(278.23)
Loan Loss Reserve18,87720,585(8.30)19,356(9.90)
Net Loans Receivable1,332,5471,245,9936.951,298,70810.42
Intangible Assets22,21222,358(0.65)22,245(0.59)
Total Assets3,445,6633,237,4036.433,469,623(2.76)
Deposits2,527,8082,351,8977.482,408,36619.84
Debt, Senior and Subordinated633,964581,5969.00758,630(65.73)
Common Equity259,518257,7630.68240,95730.81
Total Shareholders' Equity259,518257,7630.68240,95730.81
Shares Outstanding (actual)18,812,41218,816,201(0.02)18,785,8870.56
Income Statement ($000)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income28,66220,57639.3026,64130.34
Provision for Loan Losses2,7262,24521.433,640(100.44)
Noninterest Income6,3286,2591.106,555(13.85)
Noninterest Expense19,96419,4132.8420,264(5.92)
Net Income Before Taxes13,4689,57240.709,150188.77
Provision for Taxes1,2811,352(5.25)2571,593.77
Net Income12,1878,22048.268,893148.16
Per Share Items ($)
2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share13.8013.700.7012.8330.20
Tangible Book Value12.6112.510.8311.6433.39
Diluted EPS Before Extra0.650.4351.110.48144.00
Diluted EPS After Extra0.650.4351.110.48144.00
Dividends Declared0.29520.4807(38.58)0.1905220.00
Performance Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA1.371.00371.0334
ROAE19.5611.8077615.01455
Net Interest Margin4.003.09913.7228
Loans / Deposits53.4653.70(24)54.71(125)
Efficiency Ratio47.2364.75(1,752)57.16(993)
Balance Sheet Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.937.32(39)6.3459
Equity/ Assets7.537.96(43)6.9459
Asset Quality Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.390.45(6)0.390
Loan Loss Reserves/ Gross Loans1.401.63(23)1.47(7)
Loan Loss Reserves/ NPAs138.77140.01(124)141.79(302)
Net Charge-offs/ Avg Loans0.960.81160.8215
Regulatory Capital Ratios (%)
2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio20.4721.16(69)20.0245
   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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