Peer Analysis SOUTHSIDE BANCSHARES, INC. (NASDAQ - SBSI)  Data for trailing four quarters For the definition of a financial field, select the field name below. Performance Ratios (%) SBSI Peer Median Peer Average ROAA 1.63  1.06  0.75  ROAE 24.37  9.18  6.49  Net Interest Margin 3.81  4.13  4.13  Efficiency Ratio 55.61  61.73  57.95  Loans / Deposits 55.26  69.85  69.20  Asset Quality Ratios (%)       NPAs / Assets 0.76  0.89  2.09  NCOs / Avg Loans 1.10  0.49  0.76  Reserves / Loans 1.92  1.68  1.75  Reserves / NPAs 86.02  97.32  141.51  Capital Ratios (%)       Tier 1 Capital NA  11.91  12.58  Tangible Equity / Tangible Assets NA  8.02  7.84  Total Equity / Total Assets 6.69  11.29  11.36  Market Ratios       Price / Earnings (x) 6.64  17.08  17.77  Price / Book (%) 145.95  104.66  100.51  Dividend Yield (%) 3.46  1.56  1.77  Southside Bancshares, Inc.'s peer group consists of the following: Amegy Corporation (ABNK), Cullen/Frost Bankers, Inc. (CFR), First Financial Bankshares, Inc. (FFIN), MetroCorp Bancshares, Inc. (MCBI), Prosperity Bancshares, Inc. (PRSP), Sterling Bancshares, Inc. (SBIB) Southside Bancshares, Inc.'s financial data is as of 12/31/2009. Peer financial data is as of 12/31/2009  except for these companies: Amegy Corporation's financial data is as of 9/30/2005. Copyright 2010, © SNL Financial LC  Terms of Use