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 1.69  1.09  0.79  ROAE 26.55  9.17  6.91  Net Interest Margin 3.81  4.12  4.14  Efficiency Ratio 53.94  62.26  57.94  Loans / Deposits 56.83  71.38  71.07  Asset Quality Ratios (%)       NPAs / Assets 0.75  0.99  1.54  NCOs / Avg Loans 0.96  0.39  0.67  Reserves / Loans 1.81  1.60  1.60  Reserves / NPAs 83.30  95.23  132.26  Capital Ratios (%)       Tier 1 Capital 17.76  11.67  12.37  Tangible Equity / Tangible Assets 6.17  8.20  7.97  Total Equity / Total Assets 6.91  11.51  11.53  Market Ratios       Price / Earnings (x) 7.13  17.31  17.56  Price / Book (%) 156.01  134.89  128.93  Dividend Yield (%) 2.65  2.67  2.41  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 9/30/2009. Peer financial data is as of 9/30/2009  except for these companies: Amegy Corporation's financial data is as of 9/30/2005. Copyright 2009, © SNL Financial LC  Terms of Use