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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 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,294,3562,556,53728.862,682,76691.19
Loans Held for Sale, before Reserves2,0017,641(73.81)2,177(32.34)
Loan Loss Reserve20,78117,91116.0219,87118.32
Net Loans Receivable3,275,5762,546,26728.642,665,07291.63
Intangible Assets224,23996,128133.2794,899545.17
Total Assets6,498,0975,563,76716.795,484,43073.93
Deposits4,515,4473,533,07627.803,564,175106.76
Debt, Senior and Subordinated1,185,3481,475,079(19.64)1,310,088(38.09)
Common Equity754,140518,27445.51556,023142.52
Total Shareholders' Equity754,140518,27445.51556,023142.52
Shares Outstanding (actual)35,000,33329,261,00019.6129,433,43775.65
Income Statement ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income38,30634,64110.5834,96038.28
Provision for Loan Losses1,2712,065(38.45)960129.58
Noninterest Income9,3489,389(0.44)8,78125.83
Noninterest Expense26,45925,8772.2524,52731.51
Net Income Before Taxes16,20113,41220.7918,401(47.82)
Provision for Taxes5,8701,839219.203,890203.60
Net Income10,33111,573(10.73)14,511(115.22)
Per Share Items ($)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share21.5517.7121.6518.8956.23
Tangible Book Value15.1414.434.9415.67(13.45)
Diluted EPS Before Extra0.320.42(23.72)0.49(138.78)
Diluted EPS After Extra0.320.42(23.72)0.49(138.78)
Dividends Declared0.30000.29272.500.280028.57
Performance Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA0.700.83(13)1.03(33)
ROAE6.529.56(304)10.38(386)
Net Interest Margin3.123.0393.0210
Loans / Deposits72.9672.366075.27(231)
Efficiency Ratio49.4252.00(258)49.99(57)
Balance Sheet Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.457.72738.56(11)
Equity/ Assets11.619.3222910.14147
Asset Quality Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.160.27(11)0.17(1)
Loan Loss Reserves/ Gross Loans0.630.70(7)0.74(11)
Loan Loss Reserves/ NPAs198.46118.627,984217.91(1,945)
Net Charge-offs/ Avg Loans0.050.0230.050
Regulatory Capital Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio16.1216.37(25)16.62(50)
   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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