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SOUTHSIDE BANCSHARES, INC. (NASDAQ - SBSI)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,181,1331,351,27361.411,398,674223.77
Loans Held for Sale, before Reserves2,8991511,819.8775,436(384.63)
Loan Loss Reserve13,29218,877(29.59)13,415(3.67)
Net Loans Receivable2,170,7401,332,54762.901,460,695194.44
Intangible Assets100,21622,212351.1822,1341,411.08
Total Assets4,807,2613,445,66339.523,368,031170.93
Deposits3,374,4172,527,80833.492,443,564152.38
Debt, Senior and Subordinated961,968633,96451.74590,239251.92
Common Equity425,243259,51863.86291,109184.31
Total Shareholders' Equity425,243259,51863.86291,109184.31
Shares Outstanding (actual)24,108,48918,935,89427.3218,914,916109.83
Income Statement ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income25,35428,662(11.54)25,720(5.69)
Provision for Loan Losses3,2872,72620.584,868(129.91)
Noninterest Income6,4956,3282.646,10725.41
Noninterest Expense22,32419,96411.8219,55256.71
Net Income Before Taxes(7,863)13,468NM5,854NM
Provision for Taxes(3,918)1,281NM(243)6,049.38
Net Income(3,945)12,187NM6,097NM
Per Share Items ($)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share17.6413.7128.7015.3958.43
Tangible Book Value13.4812.537.5814.22(20.77)
Diluted EPS Before Extra(0.20)0.65NM0.32NM
Diluted EPS After Extra(0.20)0.65NM0.32NM
Dividends Declared0.32000.29528.390.2200181.82
Performance Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA(0.43)1.37(180)0.72(115)
ROAE(4.94)19.56(2,450)8.41(1,335)
Net Interest Margin3.424.00(58)3.80(38)
Loans / Deposits64.6453.461,11857.24740
Efficiency Ratio60.0447.231,28155.05499
Balance Sheet Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.916.93(3)8.04(113)
Equity/ Assets8.857.531318.6420
Asset Quality Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.260.39(13)0.29(3)
Loan Loss Reserves/ Gross Loans0.611.40(79)0.91(30)
Loan Loss Reserves/ NPAs108.30138.77(3,047)136.01(2,771)
Net Charge-offs/ Avg Loans0.870.96(10)2.78(191)
Regulatory Capital Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio16.1220.47(435)20.87(475)
   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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