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 1.00  1.08  0.96  ROAE 12.32  9.17  7.60  Net Interest Margin 3.18  3.49  3.68  Efficiency Ratio 63.51  60.68  60.04  Loans / Deposits 54.84  58.32  59.18  Asset Quality Ratios (%)       NPAs / Assets 0.38  0.58  1.06  NCOs / Avg Loans 0.80  0.33  0.45  Reserves / Loans 1.44  1.62  1.79  Reserves / NPAs 147.40  88.39  96.99  Capital Ratios (%)       Tier 1 Capital 20.39  16.48  15.90  Tangible Equity / Tangible Assets 7.09  9.16  9.19  Total Equity / Total Assets 7.72  12.26  12.27  Market Ratios       Price / Earnings (x) 12.33  16.56  17.80  Price / Book (%) 157.69  149.31  177.63  Dividend Yield (%) 3.54  1.81  1.68  Southside Bancshares, Inc.'s peer group consists of the following: Cullen/Frost Bankers, Inc. (CFR), First Financial Bankshares, Inc. (FFIN), MetroCorp Bancshares, Inc. (MCBI), Prosperity Bancshares, Inc. (PB), Sterling Bancshares, Inc. (SBIB) Southside Bancshares, Inc.'s financial data is as of 3/31/2013. Peer financial data is as of 3/31/2013  except for these companies: Sterling Bancshares, Inc.'s financial data is as of 6/30/2011. Copyright 2013, © SNL Financial LC  Terms of Use