0000705432-20-000014.txt : 20200131 0000705432-20-000014.hdr.sgml : 20200131 20200130182121 ACCESSION NUMBER: 0000705432-20-000014 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20200131 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200131 DATE AS OF CHANGE: 20200130 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SOUTHSIDE BANCSHARES INC CENTRAL INDEX KEY: 0000705432 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 751848732 STATE OF INCORPORATION: TX FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-12247 FILM NUMBER: 20562705 BUSINESS ADDRESS: STREET 1: 1201 S BECKHAM CITY: TYLER STATE: TX ZIP: 75701 BUSINESS PHONE: 9035317111 MAIL ADDRESS: STREET 1: 1201 S BECKHAM CITY: TYLER STATE: TX ZIP: 75701 FORMER COMPANY: FORMER CONFORMED NAME: SOBANK INC DATE OF NAME CHANGE: 19920703 8-K 1 a8-ker123119.htm 8-K Document
false0000705432 0000705432 2020-01-31 2020-01-31


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

 FORM 8-K 
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

January 31, 2020
Date of Report (Date of earliest event reported)

Southside Bancshares Inc
(Exact Name of Registrant as Specified in its Charter)

Texas
000-12247
75-1848732
(State or Other Jurisdiction of Incorporation)
(Commission File Number)
(IRS Employer Identification No.)
1201 S. Beckham Avenue,
Tyler,
TX
 
75701
(Address of Principal Executive Offices)
 
(Zip Code)

Registrant's telephone number, including area code: (903) 531-7111

NA
(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
 
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
 
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
 
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities Registered Pursuant to Section 12(b) of the Act:
Title of each class
 
Trading Symbol
 
Name of each exchange on which registered
Common stock, $1.25 par value
 
SBSI
 
NASDAQ Global Select Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
 
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
 
☐








ITEM 2.02.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On January 31, 2020, Southside Bancshares, Inc. issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2019. A copy of the press release is attached as Exhibit 99.1 hereto and is hereby incorporated herein by reference.

The information in this Current Report on Form 8-K, including the attached exhibit, is being furnished as provided in General Instruction B.2 to Form 8-K, to the Securities and Exchange Commission and shall not be deemed to be “filed” for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. Furthermore the information contained in this Current Report on Form 8-K shall not be deemed to be incorporated by reference in any filing with the Securities and Exchange Commission, except as shall be expressly provided by specific reference in such filing.

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS

(D)
Exhibits.  The following materials are furnished as exhibits to this Current Report on Form 8-K:
Exhibit
Number
 
Description of Exhibit
 
 
 
99.1

 
 
 
 
104

 
Cover Page Interactive Data File (embedded within the Inline XBRL document)




SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


 
 
Southside Bancshares, Inc.
 
 
 
Date:  January 31, 2020
By:
/s/ JULIE N. SHAMBURGER
 
 
Julie N. Shamburger, CPA
 
 
Senior Executive Vice President and Chief Financial Officer
 
 
(Principal Financial and Accounting Officer)




 EX-99.1 2 ex991er123119.htm EXHIBIT 99.1 Exhibit


EXHIBIT 99.1
SOUTHSIDE BANCSHARES, INC.
ANNOUNCES FINANCIAL RESULTS FOR THE
FOURTH QUARTER AND YEAR ENDED DECEMBER 31, 2019


•
Linked quarter loans increased $68.3 million, or 2.0%, to $3.57 billion from $3.50 billion
•
Linked quarter nonperforming assets as a percent of total assets decreased from 0.45% to 0.26%
•
Fourth quarter net income was $17.3 million and earnings per diluted common share were $0.51
•
Fourth quarter annualized return on average assets of 1.03%

Tyler, Texas, (January 31, 2020) Southside Bancshares, Inc. (“Southside” or the “Company”) (NASDAQ:SBSI) today reported its financial results for the quarter and year ended December 31, 2019. Southside reported net income of $17.3 million for the three months ended December 31, 2019, a decrease of $46,000, or 0.3%, compared to $17.4 million for the same period in 2018. Earnings per diluted common share increased $0.01, or 2.0%, to $0.51 for the three months ended December 31, 2019, from $0.50 for the same period in 2018. The annualized return on average shareholders’ equity for the three months ended December 31, 2019 was 8.42%, compared to 9.30% for the same period in 2018.  The annualized return on average assets was 1.03% for the three months ended December 31, 2019, compared to 1.14% for the same period in 2018.

“I am pleased to report Southside enjoyed a solid year in 2019, as earnings per share increased 4.3% to $2.20, loan growth of 7.7%, or $255.4 million, exceeding our original projections, and nonaccrual loans decreased 86.1%, or $30.8 million,” stated Lee R. Gibson, President and Chief Executive Officer of Southside. “At December 31, 2019, our nonperforming assets to total assets ratio decreased to 0.26%.”

“For the quarter ended December 31, 2019, provision for loan losses increased $1.5 million on a linked quarter basis largely due to a partial charge-off of a previously reported nonaccrual loan that paid off in the fourth quarter. Linked quarter, our net interest spread and margin declined two and five basis points, respectively, primarily due to securities increasing more than loans and representing a larger percentage of average earning assets when compared to the third quarter.”

“In November we opened our 60th branch location in Kingwood, just north of Houston. We have loaned into the Houston market for several years and have recently hired a commercial lender designated to this market.  In addition, we anticipate filing an application to open a loan production office within the greater Houston area, which is subject to regulatory approval.”

“The Texas economy remains strong as company relocations and expansions continue to drive both job and population growth.”
Operating Results for the Three Months Ended December 31, 2019
Net income was $17.3 million for the three months ended December 31, 2019, compared to $17.4 million for the same period in 2018, a decrease of $46,000, or 0.3%. Earnings per diluted common share were $0.51 for the three months ended December 31, 2019, compared to $0.50 for the same period in 2018. Annualized returns on average assets and average shareholders’ equity for the three months ended December 31, 2019 were 1.03% and 8.42%, respectively.  Our efficiency ratio (FTE) was 53.87% (1) for the three months ended December 31, 2019, compared to 50.53% for the three months ended September 30, 2019.
Net interest income for the three months ended December 31, 2019 was $43.2 million compared to $42.4 million for the same period in 2018. Linked quarter, net interest income increased $0.8 million, or 1.9%, compared to $42.4 million during the three months ended September 30, 2019. The increase in net interest income for the linked quarter was due to the decrease in interest expense on our interest bearing liabilities, a result of a decrease in average rate paid on our interest bearing liabilities during the three months ended December 31, 2019.
Our tax equivalent net interest margin was 2.98% for the three months ended December 31, 2019 compared to 3.21% for the same period in 2018. The decrease was due to a decrease in average yield on interest earning assets of 20 basis points and an increase in average interest bearing liabilities, partially offset by an increase in interest earnings assets. The average rate paid on interest bearing liabilities was 1.46% for the three months ended December 31, 2019 and 2018. Our tax equivalent net interest margin decreased 5 basis points compared to 3.03% for the three months ended September 30, 2019. This decrease was due to a decrease in the average yield on interest earning assets of 16 basis points and the increase in average interest bearing liabilities.


Page-1

Noninterest income was $10.5 million for the three months ended December 31, 2019, an increase of 3.3%, compared to $10.1 million for the same period in 2018. The increase was primarily due to an increase in deposit services income and trust fees. On a linked quarter basis, noninterest income decreased $0.6 million, or 5.8%, primarily due to a decrease in swap fee income and fair value of written loan commitments, both included in other noninterest income.
Noninterest expense was $30.9 million for the three months ended December 31, 2019, an increase of 2.5%, compared to $30.2 million for the same period in 2018. The increase was due to an increase in salaries and employee benefits, partially offset by decreases in net occupancy expense and FDIC insurance expense. On a linked quarter basis, noninterest expense increased $1.9 million, or 6.6%, compared to the three months ended September 30, 2019. The $1.0 million increase in salaries and employee benefits was primarily related to employee benefits, which included $0.6 million of increase in health insurance expense and $0.2 million in salaries and payroll taxes. Additionally, we incurred losses on the disposition of certain assets of approximately $0.6 million, included in other noninterest expense.
Income tax expense increased $0.3 million for the three months ended December 31, 2019 compared to the same period in 2018. On a linked quarter basis, income tax expense decreased $0.8 million. Our effective tax rate (“ETR”) increased to 14.1% for the three months ended December 31, 2019 compared to 12.7% for the three months ended December 31, 2018 and decreased compared to 15.6% for the three months ended September 30, 2019. The higher ETR for the three months ended December 31, 2019, as compared to the same period in 2018, was primarily due to a decrease in tax-exempt income as a percentage of pre-tax income for the three months ended December 31, 2019.
Operating Results for the Year Ended December 31, 2019
Net income was $74.6 million for the year ended December 31, 2019 compared to $74.1 million for the same period in 2018, an increase of $0.4 million, or 0.6%. Earnings per diluted common share was $2.20 for the year ended December 31, 2019 compared to $2.11 for the same period in 2018, an increase of 4.3%. The increase in net income was largely driven by increases in interest income and the net gain on the sale of available for sale securities, as well as the decrease in provision for loan losses, partially offset by an increase in interest expense and income tax expense. Returns on average assets and average shareholders’ equity for the year ended December 31, 2019 were 1.17% and 9.53%, respectively.  Our efficiency ratio (FTE) was 52.36% (1) for the year ended December 31, 2019.
Net interest income for the year ended December 31, 2019 was $169.8 million, compared to $172.1 million during the same period in 2018, a decrease of $2.3 million, or 1.3%. The decrease in net interest income was due to an increase in interest expense, a result of the higher funding costs of our interest bearing liabilities and, to a lesser extent, an increase in the average balance of our interest bearing liabilities. The increase in interest expense was partially offset by the increase in interest income on our interest earning assets, a result of higher interest rates and a shift in the mix of earning assets.
Our tax equivalent net interest margin was 3.06% for the year ended December 31, 2019, compared to 3.18% for the same period in 2018. The decrease was primarily due to the higher rates paid on interest bearing liabilities and the increase in average interest bearing liabilities.
Noninterest income was $42.4 million for the year ended December 31, 2019, an increase of 3.9%, compared to $40.8 million for the same period in 2018. The increase was primarily due to an increase in net gain on sale of securities available for sale and deposit services income, partially offset by decreases in other noninterest income, bank owned life insurance, trust fees and gain on sale of loans.
Noninterest expense was $119.3 million for the year ended December 31, 2019, compared to $120.1 million for the same period in 2018, a decrease of $0.8 million, or 0.7%. The decrease was primarily due to a decrease in acquisition expense, FDIC insurance, amortization of intangibles and net occupancy expense, partially offset by increases in salaries and employee benefits, professional fees and software and data processing expense.
Income tax expense increased $3.1 million for the year ended December 31, 2019, compared to the same period in 2018. Our ETR was approximately 15.1% and 12.1% for the years ended December 31, 2019 and 2018, respectively. The higher ETR for the year ended December 31, 2019, as compared to the same period in 2018, was primarily due to a decrease in tax-exempt income as a percentage of pre-tax income for the year ended December 31, 2019 and a discrete tax benefit of approximately $0.8 million recorded in 2018 associated with the remeasurement of our net deferred tax asset.

Page-2

Balance Sheet Data
At December 31, 2019, we had $6.75 billion in total assets, compared to $6.12 billion at December 31, 2018 and $6.54 billion at September 30, 2019.
Loans at December 31, 2019 were $3.57 billion, an increase of $255.4 million, or 7.7%, compared to $3.31 billion at December 31, 2018. Linked quarter loans increased $68.3 million, or 2.0%, from $3.50 billion at September 30, 2019. The linked quarter net increase in our loans consisted of increases of $23.9 million of construction loans, $19.4 million of commercial loans, $17.1 million of municipal loans and $13.9 million of commercial real estate loans, partially offset by decreases of $5.1 million of 1-4 family residential loans and $0.9 million of loans to individuals.
Securities at December 31, 2019 were $2.49 billion, an increase of $341.1 million, or 15.8%, compared to $2.15 billion at December 31, 2018. Linked quarter securities increased $112.1 million, or 4.7%, from $2.38 billion at September 30, 2019.
Deposits at December 31, 2019 were $4.70 billion, an increase of $277.7 million, or 6.3%, compared to $4.43 billion at December 31, 2018. Linked quarter deposits increased $212.0 million, or 4.7%, from $4.49 billion at September 30, 2019, primarily due to an increase in public fund deposits, partially offset by decreases in brokered deposits.
Asset Quality
Nonperforming assets at December 31, 2019 were $17.4 million, or 0.26% of total assets, a decrease of $25.5 million, or 59.3%, compared to $42.9 million, or 0.70% of total assets, at December 31, 2018, and a decrease of $12.3 million, or 41.3%, from $29.7 million, or 0.45% of total assets, at September 30, 2019. During the three months ended December 31, 2019, our nonaccrual loans decreased $12.2 million, or 71.1%.
The allowance for loan losses decreased to $24.8 million, or 0.69% of total loans, at December 31, 2019 compared to $27.0 million, or 0.82% of total loans, at December 31, 2018, due to a partial reversal of provision during the first quarter of 2019 associated with the sale of three large nonaccrual commercial real estate loans and a decrease in our classified loans during 2019, partially offset by growth in the loan portfolio. The allowance for loan losses at September 30, 2019 was $25.1 million, or 0.72% of total loans.
For the three months ended December 31, 2019, we recorded provision for loan losses of $2.5 million, compared to $2.4 million for the three months ended December 31, 2018 and $1.0 million for the three months ended September 30, 2019. The provision for loan losses for the year ended December 31, 2019 was $5.1 million, compared to $8.4 million for the year ended December 31, 2018.
Net charge-offs were $2.8 million for the three months ended December 31, 2019, compared to net charge-offs of $1.5 million for the three months ended December 31, 2018 and $0.6 million net charge-offs for the three months ended September 30, 2019. Net charge-offs were $7.3 million for the year ended December 31, 2019, compared to $2.2 million for the year ended December 31, 2018.
Dividend
Southside Bancshares, Inc. declared a fourth quarter cash dividend of $0.31 and a special cash dividend of $0.03 per share on November 7, 2019, which was paid on December 12, 2019, to all shareholders of record as of November 27, 2019.

_______________
(1) Refer to “Non-GAAP Financial Measures” below and to “Non-GAAP Reconciliation” at the end of the financial statement tables in this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.


Page-3



Conference Call
Southside's management team will host a conference call to discuss its fourth quarter and year ended December 31, 2019 financial results on Friday, January 31, 2020 at 9:00 a.m. CST.  The call can be accessed by dialing 844-775-2540 and by identifying the conference ID number 1545889 or by identifying “Southside Bancshares, Inc., Fourth Quarter and Year End 2019 Earnings Call.”  To listen to the call via webcast, register at https://investors.southside.com.
For those unable to listen to the conference call live, a recording will be available from approximately 12:00 p.m. CST January 31, 2020 through 12:00 p.m. CST February 12, 2020 by accessing the company website, https://investors.southside.com.

Non-GAAP Financial Measures
Our accounting and reporting policies conform to generally accepted accounting principles (“GAAP”) in the United States and prevailing practices in the banking industry. However, certain non-GAAP measures are used by management to supplement the evaluation of our performance. These include the following fully taxable-equivalent measures (“FTE”): (i) Net interest income (FTE), (ii) Net interest margin (FTE), (iii) Net interest spread (FTE), and (iv) Efficiency ratio (FTE), which include the effects of taxable-equivalent adjustments using a federal income tax rate of 21% for the year ended December 31, 2019 and 2018 to increase tax-exempt interest income to a tax-equivalent basis. Interest income earned on certain assets is completely or partially exempt from federal income tax. As such, these tax-exempt instruments typically yield lower returns than taxable investments.
Net interest income (FTE), Net interest margin (FTE) and Net interest spread (FTE). Net interest income (FTE) is a non-GAAP measure that adjusts for the tax-favored status of net interest income from certain loans and investments. We believe this measure to be the preferred industry measurement of net interest income and it enhances comparability of net interest income arising from taxable and tax-exempt sources. The most directly comparable financial measure calculated in accordance with GAAP is our net interest income. Net interest margin (FTE) is the ratio of net interest income (FTE) to average earning assets. The most directly comparable financial measure calculated in accordance with GAAP is our net interest margin. Net interest spread (FTE) is the difference in the average yield on average earning assets on a tax-equivalent basis and the average rate paid on average interest bearing liabilities. The most directly comparable financial measure calculated in accordance with GAAP is our net interest spread.
Efficiency ratio (FTE).  The efficiency ratio (FTE) is a non-GAAP measure that provides a measure of productivity in the banking industry. This ratio is calculated to measure the cost of generating one dollar of revenue. The ratio is designed to reflect the percentage of one dollar which must be expended to generate that dollar of revenue. We calculate this ratio by dividing noninterest expense, excluding amortization expense on intangibles and certain nonrecurring expense by the sum of net interest income (FTE) and noninterest income, excluding net gain (loss) on sale of securities available for sale and certain nonrecurring impairments. The most directly comparable financial measure calculated in accordance with GAAP is our efficiency ratio.
These non-GAAP financial measures should not be considered alternatives to GAAP-basis financial statements and other bank holding companies may define or calculate these non-GAAP measures or similar measures differently. Whenever we present a non-GAAP financial measure in an SEC filing, we are also required to present the most directly comparable financial measure calculated and presented in accordance with GAAP and reconcile the differences between the non-GAAP financial measure and such comparable GAAP measure.
Management believes adjusting net interest income, net interest margin and net interest spread to a fully taxable-equivalent basis is a standard practice in the banking industry as these measures provide useful information to make peer comparisons. Tax-equivalent adjustments are reflected in the respective earning asset categories as listed in the “Average Balances with Average Yields and Rates” tables.
A reconciliation of our non-GAAP financial measures to the comparable GAAP financial measures is included at the end of the financial statement tables.

About Southside Bancshares, Inc.
Southside Bancshares, Inc. is a bank holding company with approximately $6.75 billion in assets as of December 31, 2019, that owns 100% of Southside Bank.  Southside Bank currently has 60 branches in Texas and operates a network of 82 ATMs/ITMs.
To learn more about Southside Bancshares, Inc., please visit our investor relations website at https://investors.southside.com. Our investor relations site provides a detailed overview of our activities, financial information and historical stock price data.  To receive e-mail notification of company news, events and stock activity, please register on the E-mail Notification portion of the website.  Questions or comments may be directed to Lindsey Bailes at (903) 630-7965, or lindsey.bailes@southside.com.

Page-4


Forward-Looking Statements
Certain statements of other than historical fact that are contained in this press release and in other written material, documents and oral statements issued by or on behalf of the Company may be considered to be “forward-looking statements” within the meaning of and subject to the safe harbor protections of the Private Securities Litigation Reform Act of 1995.  These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing management’s views as of any subsequent date.  These statements may include words such as “expect,” “estimate,” “project,” “anticipate,” “appear,” “believe,” “could,” “should,” “may,” “likely,” “intend,” “probability,” “risk,” “target,” “objective,” “plans,” “potential,” and similar expressions.  Forward-looking statements are statements with respect to the Company’s beliefs, plans, expectations, objectives, goals, anticipations, assumptions and estimates about the Company's future performance and are subject to significant known and unknown risks and uncertainties, which could cause the Company's actual results to differ materially from the results discussed in the forward-looking statements.  For example, discussions about trends in asset quality, capital, liquidity, the pace of loan and revenue growth, the Company's ability to sell nonperforming assets, expense reductions, planned operational efficiencies, earnings, successful integration of completed acquisitions and certain market risk disclosures, including the impact of interest rates, tax reform and other economic factors, are based upon information presently available to management and are dependent on choices about key model characteristics and assumptions and are subject to various limitations.  By their nature, certain of the market risk disclosures are only estimates and could be materially different from what actually occurs in the future.  
Additional information concerning the Company and its business, including additional factors that could materially affect the Company’s financial results, is included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2018, under “Part I - Item 1. Forward Looking Information” and "Part I - Item 1A. Risk Factors" and in the Company’s other filings with the Securities and Exchange Commission.  The Company disclaims any obligation to update any factors or to announce publicly the result of revisions to any of the forward-looking statements included herein to reflect future events or developments.

Page-5
Southside Bancshares, Inc.
Consolidated Financial Summary (Unaudited)
(Dollars in thousands)


 
As of
 
2019
 
2018
 
Dec 31,
 
Sep 30,
 
Jun 30,
 
Mar 31,
 
Dec 31,
ASSETS
 
 
 
 
 
 
 
 
 
Cash and due from banks
$
66,949

 
$
92,300

 
$
77,319

 
$
81,981

 
$
87,375

Interest earning deposits
43,748

 
22,524

 
54,642

 
184,612

 
23,884

Federal funds sold
—

 
—

 
560

 
3,350

 
9,460

Securities available for sale, at estimated fair value
2,358,597

 
2,240,381

 
2,088,787

 
1,876,255

 
1,989,436

Securities held to maturity, at carrying value
134,863

 
140,955

 
147,091

 
147,431

 
162,931

Total securities
2,493,460

 
2,381,336

 
2,235,878

 
2,023,686

 
2,152,367

Federal Home Loan Bank stock, at cost
50,087

 
45,039

 
44,718

 
35,269

 
32,583

Loans held for sale
383

 
1,000

 
1,812

 
384

 
601

Loans
3,568,204

 
3,499,917

 
3,460,143

 
3,305,110

 
3,312,799

Less: Allowance for loan losses
(24,797
)
 
(25,129
)
 
(24,705
)
 
(24,155
)
 
(27,019
)
Net loans
3,543,407

 
3,474,788

 
3,435,438

 
3,280,955

 
3,285,780

Premises & equipment, net
143,912

 
141,683

 
140,105

 
138,290

 
135,972

Goodwill
201,116

 
201,116

 
201,116

 
201,116

 
201,116

Other intangible assets, net
13,361

 
14,391

 
15,471

 
16,600

 
17,779

Bank owned life insurance
100,498

 
99,916

 
99,294

 
98,704

 
98,160

Other assets
91,992

 
67,982

 
66,517

 
152,249

 
78,417

Total assets
$
6,748,913

 
$
6,542,075

 
$
6,372,870

 
$
6,217,196

 
$
6,123,494

 
 
 
 
 
 
 
 
 
 
LIABILITIES AND SHAREHOLDERS' EQUITY
 
 
 
 
 
 
 
 
 
Noninterest bearing deposits
$
1,040,112

 
$
1,038,695

 
$
1,028,861

 
$
1,038,116

 
$
994,680

Interest bearing deposits
3,662,657

 
3,452,072

 
3,450,395

 
3,529,777

 
3,430,350

Total deposits
4,702,769

 
4,490,767

 
4,479,256

 
4,567,893

 
4,425,030

Other borrowings and Federal Home Loan Bank borrowings
1,001,102

 
988,577

 
849,821

 
628,498

 
755,875

Subordinated notes, net of unamortized debt
issuance costs
98,576

 
98,532

 
98,490

 
98,448

 
98,407

Trust preferred subordinated debentures, net of unamortized debt issuance costs
60,250

 
60,249

 
60,248

 
60,247

 
60,246

Other liabilities
81,636

 
93,497

 
97,290

 
104,077

 
52,645

          Total liabilities
5,944,333

 
5,731,622

 
5,585,105

 
5,459,163

 
5,392,203

Shareholders' equity
804,580

 
810,453

 
787,765

 
758,033

 
731,291

Total liabilities and shareholders' equity
$
6,748,913

 
$
6,542,075

 
$
6,372,870

 
$
6,217,196

 
$
6,123,494




Page-6

Southside Bancshares, Inc.
Consolidated Financial Highlights (Unaudited)
(Dollars and shares in thousands, except per share data)


 
Three Months Ended
 
2019
 
2018
 
Dec 31,
 
Sep 30,
 
Jun 30,
 
Mar 31,
 
Dec 31,
Income Statement:
 
 
 
 
 
 
 
 
 
Total interest income
$
60,533

 
$
60,555

 
$
60,672

 
$
59,027

 
$
58,022

Total interest expense
17,357

 
18,182

 
17,541

 
17,902

 
15,612

Net interest income
43,176

 
42,373

 
43,131

 
41,125

 
42,410

Provision for loan losses
2,508

 
1,005

 
2,506

 
(918
)
 
2,446

Net interest income after provision for loan losses
40,668

 
41,368

 
40,625

 
42,043

 
39,964

Noninterest income
 
 
 
 
 
 
 
 
 
Deposit services
6,647

 
6,753

 
6,652

 
5,986

 
6,325

Net gain on sale of securities available for sale
42

 
42

 
416

 
256

 
61

Gain on sale of loans
104

 
131

 
181

 
93

 
101

Trust fees
1,685

 
1,523

 
1,520

 
1,541

 
1,573

Bank owned life insurance
582

 
622

 
559

 
544

 
554

Brokerage services
531

 
555

 
477

 
517

 
499

Other
874

 
1,485

 
1,449

 
601

 
1,021

Total noninterest income
10,465

 
11,111

 
11,254

 
9,538

 
10,134

Noninterest expense
 
 
 
 
 
 
 
 
 
Salaries and employee benefits
19,406

 
18,388

 
17,891

 
18,046

 
17,823

Net occupancy
3,234

 
3,430

 
3,289

 
3,175

 
3,475

Acquisition expense
—

 
—

 
—

 
—

 
118

Advertising, travel & entertainment
791

 
593

 
733

 
847

 
786

ATM expense
236

 
232

 
246

 
180

 
250

Professional fees
1,142

 
1,192

 
1,069

 
1,314

 
1,189

Software and data processing
1,259

 
1,116

 
1,086

 
1,076

 
1,057

Communications
485

 
480

 
489

 
487

 
477

FDIC insurance
—

 
—

 
437

 
422

 
455

Amortization of intangibles
1,030

 
1,080

 
1,129

 
1,179

 
1,228

Other
3,361

 
2,515

 
3,331

 
2,901

 
3,338

Total noninterest expense
30,944

 
29,026

 
29,700

 
29,627

 
30,196

Income before income tax expense
20,189

 
23,453

 
22,179

 
21,954

 
19,902

Income tax expense
2,854

 
3,661

 
3,569

 
3,137

 
2,521

Net income
$
17,335

 
$
19,792

 
$
18,610

 
$
18,817

 
$
17,381

 
 
 
 
 
 
 
 
 
 
Common Share Data:
 
 
 
Weighted-average basic shares outstanding
33,790

 
33,773

 
33,726

 
33,697

 
34,611

Weighted-average diluted shares outstanding
33,934

 
33,901

 
33,876

 
33,846

 
34,748

Common shares outstanding end of period
33,823

 
33,795

 
33,749

 
33,718

 
33,725

Earnings per common share
 
 
 
 
 
 
 
 
 
Basic
$
0.51

 
$
0.59

 
$
0.55

 
$
0.56

 
$
0.50

Diluted
0.51

 
0.58

 
0.55

 
0.56

 
0.50

Book value per common share
23.79

 
23.98

 
23.34

 
22.48

 
21.68

Tangible book value per common share (1)
17.45

 
17.60

 
16.92

 
16.02

 
15.19

Cash dividends paid per common share
0.34

 
0.31

 
0.31

 
0.30

 
0.32

 
 
 
 
 
 
 
 
 
 
Selected Performance Ratios:
 
 
 
 
 
 
 
 
 
Return on average assets
1.03
%
 
1.23
%
 
1.20
%
 
1.21
%
 
1.14
%
Return on average shareholders’ equity
8.42

 
9.78

 
9.68

 
10.35

 
9.30

Return on average tangible common equity (1)
11.97

 
13.96

 
14.12

 
15.44

 
13.95

Average yield on earning assets (FTE) (1)
4.12

 
4.28

 
4.42

 
4.33

 
4.32

Average rate on interest bearing liabilities
1.46

 
1.60

 
1.61

 
1.62

 
1.46

Net interest spread (FTE) (1)
2.66

 
2.68

 
2.81

 
2.71

 
2.86

Net interest margin (FTE) (1)
2.98

 
3.03

 
3.17

 
3.07

 
3.21

Average earning assets to average interest bearing liabilities
128.00

 
128.33

 
128.99

 
127.70

 
131.07

Noninterest expense to average total assets
1.85

 
1.80

 
1.91

 
1.91

 
1.98

Efficiency ratio (FTE) (1)
53.87

 
50.53

 
51.44

 
53.66

 
52.18

(1)
Refer to “Non-GAAP Reconciliation” at the end of the financial statement tables in this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.



Page-7

Southside Bancshares, Inc.
Consolidated Financial Highlights (Unaudited)
(Dollars in thousands)

 
Three Months Ended
 
2019
 
2018
 
Dec 31,
 
Sep 30,
 
Jun 30,
 
Mar 31,
 
Dec 31,
Nonperforming Assets:
$
17,449

 
$
29,747

 
$
29,363

 
$
38,111

 
$
42,906

Nonaccrual loans (1)
4,963

 
17,148

 
16,376

 
17,691

 
35,770

Accruing loans past due more than 90 days (1)
—

 
—

 
—

 
7,927

 
—

Restructured loans (2)
12,014

 
11,683

 
11,918

 
11,490

 
5,930

Other real estate owned
472

 
912

 
1,069

 
978

 
1,206

Repossessed assets
—

 
4

 
—

 
25

 
—

 
 
 
 
 
 
 
 
 
 
Asset Quality Ratios:
 
 
 
 
 
 
 
 
 
Nonaccruing loans to total loans
0.14
%
 
0.49
%
 
0.47
%
 
0.54
%
 
1.08
%
Allowance for loan losses to nonaccruing loans
499.64

 
146.54

 
150.86

 
136.54

 
75.54

Allowance for loan losses to nonperforming assets
142.11

 
84.48

 
84.14

 
63.38

 
62.97

Allowance for loan losses to total loans
0.69

 
0.72

 
0.71

 
0.73

 
0.82

Nonperforming assets to total assets
0.26

 
0.45

 
0.46

 
0.61

 
0.70

Net charge-offs (recoveries) to average loans
0.32

 
0.07

 
0.23

 
0.24

 
0.18

 
 
 
 
 
 
 
 
 
 
Capital Ratios:
 
 
 
 
 
 
 
 
 
Shareholders’ equity to total assets
11.92

 
12.39

 
12.36

 
12.19

 
11.94

Common equity tier 1 capital
14.07

 
14.19

 
14.02

 
14.38

 
14.77

Tier 1 risk-based capital
15.46

 
15.61

 
15.46

 
15.88

 
16.29

Total risk-based capital
18.43

 
18.65

 
18.52

 
19.06

 
19.59

Tier 1 leverage capital
10.18

 
10.46

 
10.48

 
10.18

 
10.64

Period end tangible equity to period end tangible assets (3)
9.03

 
9.40

 
9.28

 
9.01

 
8.68

Average shareholders’ equity to average total assets
12.28

 
12.54

 
12.36

 
11.70

 
12.23


(1)
Excludes purchased credit impaired ("PCI") loans measured at fair value at acquisition if the timing and amount of cash flows expected to be collected from those sales can be reasonably estimated.
(2)
Includes $0.8 million, $0.8 million, $0.8 million, $0.7 million and $3.1 million in PCI loans restructured as of December 31, 2019, September 30, 2019, June 30, 2019, March 31, 2019 and December 31, 2018, respectively.
(3)
Refer to the “Non-GAAP Reconciliation” at the end of the financial statement tables in this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.
 

Loan Portfolio Composition
The following table sets forth loan totals by category for the periods presented (in thousands):
 
Three Months Ended
 
2019
 
2018
 
Dec 31,
 
Sep 30,
 
Jun 30,
 
Mar 31,
 
Dec 31,
Real Estate Loans:
 
 
 
 
 
 
 
 
 
Construction
$
644,948

 
$
621,040

 
$
579,565

 
$
603,411

 
$
507,732

1-4 Family Residential
787,562

 
792,638

 
782,073

 
786,198

 
794,499

Commercial
1,250,208

 
1,236,307

 
1,251,248

 
1,104,378

 
1,194,118

Commercial Loans
401,521

 
382,077

 
389,521

 
367,995

 
356,649

Municipal Loans
383,960

 
366,906

 
357,028

 
343,026

 
353,370

Loans to Individuals
100,005

 
100,949

 
100,708

 
100,102

 
106,431

Total Loans
$
3,568,204

 
$
3,499,917

 
$
3,460,143

 
$
3,305,110

 
$
3,312,799




Page-8

Southside Bancshares, Inc.
Consolidated Financial Highlights (Unaudited)
(Dollars and shares in thousands, except per share data)


 
Year Ended
 
December 31,
 
2019
 
2018
Income Statement:
 
 
 
Total interest income
$
240,787

 
$
229,165

Total interest expense
70,982

 
57,101

Net interest income
169,805

 
172,064

Provision for loan losses
5,101

 
8,437

Net interest income after provision for loan losses
164,704

 
163,627

Noninterest income
 
 
 
Deposit services
26,038

 
25,082

Net gain (loss) on sale of securities available for sale
756

 
(1,839
)
Gain on sale of loans
509

 
692

Trust fees
6,269

 
6,832

Bank owned life insurance
2,307

 
2,923

Brokerage services
2,080

 
1,987

Other
4,409

 
5,096

Total noninterest income
42,368

 
40,773

Noninterest expense
 
 
 
Salaries and employee benefits
73,731

 
70,643

Net occupancy
13,128

 
13,814

Acquisition expense
—

 
2,413

Advertising, travel & entertainment
2,964

 
2,894

ATM expense
894

 
1,090

Professional fees
4,717

 
4,035

Software and data processing
4,537

 
3,996

Communications
1,941

 
1,847

FDIC insurance
859

 
1,871

Amortization of intangibles
4,418

 
5,213

Other
12,108

 
12,283

Total noninterest expense
119,297

 
120,099

Income before income tax expense
87,775

 
84,301

Income tax expense
13,221

 
10,163

Net income
$
74,554

 
$
74,138

 
 
 
 
Common Share Data:
 
 
 
Weighted-average basic shares outstanding
33,747

 
34,951

Weighted-average diluted shares outstanding
33,895

 
35,116

Common shares outstanding end of period
33,823

 
33,725

Earnings per common share
 
 
 
Basic
$
2.21

 
$
2.12

Diluted
2.20

 
2.11

Book value per common share
23.79

 
21.68

Tangible book value per common share (1)
17.45

 
15.19

Cash dividends paid per common share
1.26

 
1.20

 
 
 
 
Selected Performance Ratios:
 
 
 
Return on average assets
1.17
%
 
1.19
%
Return on average shareholders’ equity
9.53

 
9.87

Return on average tangible common equity (1)
13.80

 
14.79

Average yield on earning assets (FTE) (1)
4.28

 
4.18

Average rate on interest bearing liabilities
1.57

 
1.30

Net interest spread (FTE) (1)
2.71

 
2.88

Net interest margin (FTE) (1)
3.06

 
3.18

Average earning assets to average interest bearing liabilities
128.25

 
129.89

Noninterest expense to average total assets
1.86

 
1.93

Efficiency ratio (FTE) (1)
52.36

 
49.98

(1)
Refer to “Non-GAAP Reconciliation” at the end of the financial statement tables in this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.


Page-9

Southside Bancshares, Inc.
Consolidated Financial Highlights (Unaudited)
(Dollars in thousands)

 
Year Ended
 
December 31,
 
2019
 
2018
Nonperforming Assets:
$
17,449

 
$
42,906

Nonaccrual loans (1)
4,963

 
35,770

Accruing loans past due more than 90 days (1)
—

 
—

Restructured loans (2)
12,014

 
5,930

Other real estate owned
472

 
1,206

Repossessed assets
—

 
—

 
 
 
 
Asset Quality Ratios:
 
 
 
Nonaccruing loans to total loans
0.14
%
 
1.08
%
Allowance for loan losses to nonaccruing loans
499.64

 
75.54

Allowance for loan losses to nonperforming assets
142.11

 
62.97

Allowance for loan losses to total loans
0.69

 
0.82

Nonperforming assets to total assets
0.26

 
0.70

Net charge-offs (recoveries) to average loans
0.21

 
0.07

 
 
 
 
Capital Ratios:
 
 
 
Shareholders’ equity to total assets
11.92

 
11.94

Common equity tier 1 capital
14.07

 
14.77

Tier 1 risk-based capital
15.46

 
16.29

Total risk-based capital
18.43

 
19.59

Tier 1 leverage capital
10.18

 
10.64

Period end tangible equity to period end tangible assets (3)
9.03

 
8.68

Average shareholders’ equity to average total assets
12.23

 
12.06


(1)
Excludes PCI loans measured at fair value at acquisition if the timing and amount of cash flows expected to be collected from those sales can be reasonably estimated.
(2)
Includes $0.8 million and $3.1 million in PCI loans restructured as of December 31, 2019 and December 31, 2018, respectively.
(3)
Refer to the “Non-GAAP Reconciliation” at the end of the financial statement tables in this Earnings Release for a reconciliation of this non-GAAP financial measure to the nearest GAAP financial measure.


Page-10

Southside Bancshares, Inc.
Average Balances and Average Yields and Rates (Annualized) (Unaudited)
(Dollars in thousands)


The tables that follow show average earning assets and interest bearing liabilities together with the average yield on the earning assets and the average rate of the interest bearing liabilities for the periods presented. The interest and related yields presented are on a fully taxable-equivalent basis and are therefore non-GAAP measures. See “Non-GAAP Financial Measures” and “Non-GAAP Reconciliation” for more information.
 
Three Months Ended
 
December 31, 2019
 
September 30, 2019
 
Average Balance
 
Interest
 
Average Yield/Rate
 
Average Balance
 
Interest
 
Average Yield/Rate
ASSETS
 
 
 
 
 
 
 
 
 
 
 
Loans (1)
$
3,540,274

 
$
43,166

 
4.84
%
 
$
3,477,187

 
$
43,780

 
5.00
%
Loans held for sale
1,114

 
9

 
3.21
%
 
2,497

 
26

 
4.13
%
Securities:
 
 
 
 
 
 
 
 
 
 
 
Taxable investment securities (2)
10,083

 
86

 
3.38
%
 
3,000

 
26

 
3.44
%
Tax-exempt investment securities (2)
699,868

 
6,431

 
3.65
%
 
555,835

 
5,328

 
3.80
%
Mortgage-backed and related securities (2)
1,674,503

 
12,197

 
2.89
%
 
1,660,331

 
12,569

 
3.00
%
Total securities
2,384,454

 
18,714

 
3.11
%
 
2,219,166

 
17,923

 
3.20
%
Federal Home Loan Bank stock, at cost, and equity investments
59,743

 
437

 
2.90
%
 
57,108

 
422

 
2.93
%
Interest earning deposits
44,039

 
247

 
2.23
%
 
26,746

 
206

 
3.06
%
Federal funds sold
—

 
—

 
—

 
—

 
—

 
—

Total earning assets
6,029,624

 
62,573

 
4.12
%
 
5,782,704

 
62,357

 
4.28
%
Cash and due from banks
72,018

 
 
 
 
 
73,815

 
 
 
 
Accrued interest and other assets
574,124

 
 
 
 
 
570,657

 
 
 
 
Less:  Allowance for loan losses
(25,618
)
 
 
 
 
 
(24,938
)
 
 
 
 
Total assets
$
6,650,148

 
 
 
 
 
$
6,402,238

 
 
 
 
LIABILITIES AND SHAREHOLDERS’ EQUITY
 
 
 
 
 
 
 
 
 
 
 
Savings accounts
$
372,798

 
262

 
0.28
%
 
$
367,615

 
270

 
0.29
%
Certificates of deposits
1,204,392

 
6,172

 
2.03
%
 
1,118,410

 
6,011

 
2.13
%
Interest bearing demand accounts
1,936,969

 
4,067

 
0.83
%
 
1,966,764

 
5,085

 
1.03
%
Total interest bearing deposits
3,514,159

 
10,501

 
1.19
%
 
3,452,789

 
11,366

 
1.31
%
Federal Home Loan Bank borrowings
1,019,844

 
4,716

 
1.83
%
 
881,088

 
4,647

 
2.09
%
Subordinated notes, net of unamortized debt issuance costs
98,554

 
1,426

 
5.74
%
 
98,511

 
1,425

 
5.74
%
Trust preferred subordinated debentures, net of unamortized debt issuance costs
60,250

 
643

 
4.23
%
 
60,248

 
685

 
4.51
%
Other borrowings
17,874

 
71

 
1.58
%
 
13,401

 
59

 
1.75
%
Total interest bearing liabilities
4,710,681

 
17,357

 
1.46
%
 
4,506,037

 
18,182

 
1.60
%
Noninterest bearing deposits
1,049,211

 
 
 
 
 
1,020,325

 
 
 
 
Accrued expenses and other liabilities
73,408

 
 
 
 
 
72,923

 
 
 
 
Total liabilities
5,833,300

 
 
 
 
 
5,599,285

 
 
 
 
Shareholders’ equity
816,848

 
 
 
 
 
802,953

 
 
 
 
Total liabilities and shareholders’ equity
$
6,650,148

 
 
 
 
 
$
6,402,238

 
 
 
 
Net interest income (FTE)
 
 
$
45,216

 
 
 
 
 
$
44,175

 
 
Net interest margin (FTE)
 
 
 
 
2.98
%
 
 
 
 
 
3.03
%
Net interest spread (FTE)
 
 
 
 
2.66
%
 
 
 
 
 
2.68
%

(1)
Interest on loans includes net fees on loans that are not material in amount.
(2)
For the purpose of calculating the average yield, the average balance of securities is presented at historical cost.

Note: As of December 31, 2019 and September 30, 2019, loans totaling $5.0 million and $17.1 million, respectively, were on nonaccrual status. Our policy is to reverse previously accrued but unpaid interest on nonaccrual loans; thereafter, interest income is recorded to the extent received when appropriate.


Page-11

Southside Bancshares, Inc.
Average Balances and Average Yields and Rates (Annualized) (Unaudited)
(Dollars in thousands)


 
Three Months Ended
 
June 30, 2019
 
March 31, 2019
 
Average Balance
 
Interest
 
Average Yield/Rate
 
Average Balance
 
Interest
 
Average Yield/Rate
ASSETS
 
 
 
 
 
 
 
 
 
 
 
Loans (1)
$
3,387,323

 
$
43,559

 
5.16
%
 
$
3,296,665

 
$
42,210

 
5.19
%
Loans held for sale
1,965

 
21

 
4.29
%
 
611

 
7

 
4.65
%
Securities:
 
 
 
 
 
 
 
 
 
 
 
Taxable investment securities (2)
3,000

 
27

 
3.61
%
 
3,000

 
28

 
3.79
%
Tax-exempt investment securities (2)
459,996

 
4,513

 
3.94
%
 
659,187

 
5,732

 
3.53
%
Mortgage-backed and related securities (2)
1,680,109

 
13,246

 
3.16
%
 
1,647,564

 
12,474

 
3.07
%
Total securities
2,143,105

 
17,786

 
3.33
%
 
2,309,751

 
18,234

 
3.20
%
Federal Home Loan Bank stock, at cost, and equity investments
52,311

 
440

 
3.37
%
 
53,764

 
355

 
2.68
%
Interest earning deposits
66,017

 
411

 
2.50
%
 
64,690

 
386

 
2.42
%
Federal funds sold
3,365

 
39

 
4.65
%
 
7,635

 
47

 
2.50
%
Total earning assets
5,654,086

 
62,256

 
4.42
%
 
5,733,116

 
61,239

 
4.33
%
Cash and due from banks
78,757

 
 
 
 
 
83,147

 
 
 
 
Accrued interest and other assets
534,835

 
 
 
 
 
513,738

 
 
 
 
Less:  Allowance for loan losses
(24,838
)
 
 
 
 
 
(27,060
)
 
 
 
 
Total assets
$
6,242,840

 
 
 
 
 
$
6,302,941

 
 
 
 
LIABILITIES AND SHAREHOLDERS’ EQUITY
 
 
 
 
 
 
 
 
 
 
 
Savings accounts
$
365,205

 
262

 
0.29
%
 
$
360,664

 
258

 
0.29
%
Certificates of deposit
1,119,464

 
5,861

 
2.10
%
 
1,154,203

 
5,697

 
2.00
%
Interest bearing demand accounts
1,969,593

 
5,334

 
1.09
%
 
1,982,891

 
5,286

 
1.08
%
Total interest bearing deposits
3,454,262

 
11,457

 
1.33
%
 
3,497,758

 
11,241

 
1.30
%
Federal Home Loan Bank borrowings
755,748

 
3,899

 
2.07
%
 
816,389

 
4,457

 
2.21
%
Subordinated notes, net of unamortized debt issuance costs
98,469

 
1,410

 
5.74
%
 
98,428

 
1,400

 
5.77
%
Trust preferred subordinated debentures, net of unamortized debt issuance costs
60,247

 
718

 
4.78
%
 
60,246

 
729

 
4.91
%
Other borrowings
14,530

 
57

 
1.57
%
 
16,788

 
75

 
1.81
%
Total interest bearing liabilities
4,383,256

 
17,541

 
1.61
%
 
4,489,609

 
17,902

 
1.62
%
Noninterest bearing deposits
1,014,746

 
 
 
 
 
986,343

 
 
 
 
Accrued expenses and other liabilities
73,494

 
 
 
 
 
89,768

 
 
 
 
Total liabilities
5,471,496

 
 
 
 
 
5,565,720

 
 
 
 
Shareholders’ equity
771,344

 
 
 
 
 
737,221

 
 
 
 
Total liabilities and shareholders’ equity
$
6,242,840

 
 
 
 
 
$
6,302,941

 
 
 
 
Net interest income (FTE)
 
 
$
44,715

 
 
 
 
 
$
43,337

 
 
Net interest margin (FTE)
 
 
 
 
3.17
%
 
 
 
 
 
3.07
%
Net interest spread (FTE)
 
 
 
 
2.81
%
 
 
 
 
 
2.71
%

(1)
Interest on loans includes net fees on loans that are not material in amount.
(2)
For the purpose of calculating the average yield, the average balance of securities is presented at historical cost.

Note: As of June 30, 2019 and March 31, 2019, loans totaling $16.4 million and $17.7 million, respectively, were on nonaccrual status. Our policy is to reverse previously accrued but unpaid interest on nonaccrual loans; thereafter, interest income is recorded to the extent received when appropriate.



Page-12

Southside Bancshares, Inc.
Average Balances and Average Yields and Rates (Annualized) (Unaudited)
(Dollars in thousands)


 
Three Months Ended
 
December 31, 2018
 
Average Balance
 
Interest
 
Average Yield/Rate
ASSETS
 
 
 
 
 
Loans (1)
$
3,289,840

 
$
41,320

 
4.98
%
Loans held for sale
633

 
8

 
5.01
%
Securities:
 
 
 
 
 
Taxable investment securities (2)
13,066

 
103

 
3.13
%
Tax-exempt investment securities (2)
722,162

 
7,828

 
4.30
%
Mortgage-backed and related securities (2)
1,434,982

 
10,394

 
2.87
%
Total securities
2,170,210

 
18,325

 
3.35
%
Federal Home Loan Bank stock, at cost, and equity investments
44,304

 
393

 
3.52
%
Interest earning deposits
36,098

 
411

 
4.52
%
Federal funds sold
16,967

 
97

 
2.27
%
Total earning assets
5,558,052

 
60,554

 
4.32
%
Cash and due from banks
79,544

 
 
 
 
Accrued interest and other assets
452,257

 
 
 
 
Less:  Allowance for loan losses
(26,231
)
 
 
 
 
Total assets
$
6,063,622

 
 
 
 
LIABILITIES AND SHAREHOLDERS’ EQUITY
 
 
 
 
 
Savings accounts
$
361,407

 
257

 
0.28
%
Certificates of deposit
1,123,101

 
5,170

 
1.83
%
Interest bearing demand accounts
1,968,786

 
4,908

 
0.99
%
Total interest bearing deposits
3,453,294

 
10,335

 
1.19
%
Federal Home Loan Bank borrowings
612,134

 
3,066

 
1.99
%
Subordinated notes, net of unamortized debt issuance costs
98,385

 
1,431

 
5.77
%
Trust preferred subordinated debentures, net of unamortized debt issuance costs
60,245

 
699

 
4.60
%
Other borrowings
16,405

 
81

 
1.96
%
Total interest bearing liabilities
4,240,463

 
15,612

 
1.46
%
Noninterest bearing deposits
1,034,556

 
 
 
 
Accrued expenses and other liabilities
47,234

 
 
 
 
Total liabilities
5,322,253

 
 
 
 
Shareholders’ equity
741,369

 
 
 
 
Total liabilities and shareholders’ equity
$
6,063,622

 
 
 
 
Net interest income (FTE)
 
 
$
44,942

 
 
Net interest margin (FTE)
 
 
 
 
3.21
%
Net interest spread (FTE)
 
 
 
 
2.86
%

(1)
Interest on loans includes net fees on loans that are not material in amount.
(2)
For the purpose of calculating the average yield, the average balance of securities is presented at historical cost.

Note: As of December 31, 2018, loans totaling $35.8 million were on nonaccrual status. Our policy is to reverse previously accrued but unpaid interest on nonaccrual loans; thereafter, interest income is recorded to the extent received when appropriate.




Page-13
Southside Bancshares, Inc.
Average Balances and Average Yields and Rates (Unaudited)
(Dollars in thousands)


 
Year Ended
 
December 31, 2019
 
December 31, 2018
 
Average Balance
 
Interest
 
Average Yield/Rate
 
Average Balance
 
Interest
 
Average Yield/Rate
ASSETS
 
 
 
 
 
 
 
 
 
 
 
Loans (1)
$
3,426,171

 
$
172,715

 
5.04
%
 
$
3,290,651

 
$
160,982

 
4.89
%
Loans held for sale
1,551

 
63

 
4.06
%
 
1,451

 
63

 
4.34
%
Securities:
 
 
 
 
 
 
 
 
 
 
 
Taxable investment securities (2)
4,785

 
167

 
3.49
%
 
15,790

 
417

 
2.64
%
Tax-exempt investment securities (2)
593,729

 
22,004

 
3.71
%
 
781,127

 
31,964

 
4.09
%
Mortgage-backed and related securities (2)
1,665,686

 
50,486

 
3.03
%
 
1,462,055

 
41,584

 
2.84
%
Total securities
2,264,200

 
72,657

 
3.21
%
 
2,258,972

 
73,965

 
3.27
%
Federal Home Loan Bank stock, at cost, and equity investments
55,752

 
1,654

 
2.97
%
 
54,998

 
1,595

 
2.90
%
Interest earning deposits
50,252

 
1,250

 
2.49
%
 
78,266

 
1,624

 
2.07
%
Federal funds sold
2,722

 
86

 
3.16
%
 
15,647

 
294

 
1.88
%
Total earning assets
5,800,648

 
248,425

 
4.28
%
 
5,699,985

 
238,523

 
4.18
%
Cash and due from banks
76,895

 
 
 
 
 
77,946

 
 
 
 
Accrued interest and other assets
547,241

 
 
 
 
 
473,639

 
 
 
 
Less:  Allowance for loan losses
(25,608
)
 
 
 
 
 
(24,378
)
 
 
 
 
Total assets
$
6,399,176

 
 
 
 
 
$
6,227,192

 
 
 
 
LIABILITIES AND SHAREHOLDERS’ EQUITY
 
 
 
 
 
 
 
 
 
 
 
Savings accounts
$
366,606

 
1,052

 
0.29
%
 
$
359,509

 
907

 
0.25
%
Certificates of deposit
1,149,171

 
23,741

 
2.07
%
 
1,160,423

 
18,112

 
1.56
%
Interest bearing demand accounts
1,963,936

 
19,772

 
1.01
%
 
1,978,140

 
16,845

 
0.85
%
Total interest bearing deposits
3,479,713

 
44,565

 
1.28
%
 
3,498,072

 
35,864

 
1.03
%
Federal Home Loan Bank borrowings
868,859

 
17,719

 
2.04
%
 
720,785

 
12,813

 
1.78
%
Subordinated notes, net of unamortized debt issuance costs
98,491

 
5,661

 
5.75
%
 
98,327

 
5,659

 
5.76
%
Trust preferred subordinated debentures, net of unamortized debt issuance costs
60,248

 
2,775

 
4.61
%
 
60,243

 
2,610

 
4.33
%
Other borrowings
15,645

 
262

 
1.67
%
 
10,880

 
155

 
1.42
%
Total interest bearing liabilities
4,522,956

 
70,982

 
1.57
%
 
4,388,307

 
57,101

 
1.30
%
Noninterest bearing deposits
1,017,836

 
 
 
 
 
1,040,447

 
 
 
 
Accrued expenses and other liabilities
76,017

 
 
 
 
 
47,176

 
 
 
 
Total liabilities
5,616,809

 
 
 
 
 
5,475,930

 
 
 
 
Shareholders’ equity
782,367

 
 
 
 
 
751,262

 
 
 
 
Total liabilities and shareholders’ equity
$
6,399,176

 
 
 
 
 
$
6,227,192

 
 
 
 
Net interest income (FTE)
 
 
$
177,443

 
 
 
 
 
$
181,422

 
 
Net interest margin (FTE)
 
 
 
 
3.06
%
 
 
 
 
 
3.18
%
Net interest spread (FTE)
 
 
 
 
2.71
%
 
 
 
 
 
2.88
%

(1)
Interest on loans includes net fees on loans that are not material in amount.
(2)
For the purpose of calculating the average yield, the average balance of securities is presented at historical cost.

Note: As of December 31, 2019 and 2018, loans totaling $5.0 million and $35.8 million, respectively, were on nonaccrual status. Our policy is to reverse previously accrued but unpaid interest on nonaccrual loans; thereafter, interest income is recorded to the extent received when appropriate.


Page-14

Southside Bancshares, Inc.
Non-GAAP Reconciliation (Unaudited)
(Dollars and shares in thousands, except per share data)

The following tables set forth the reconciliation of return on average common equity to return on average tangible common equity, book value per share to tangible book value per share, net interest income to net interest income adjusted to a fully taxable-equivalent basis assuming a 21% marginal tax rate for interest earned on tax-exempt assets such as municipal loans and investment securities, along with the calculation of total revenue, adjusted noninterest expense, efficiency ratio (FTE), net interest margin (FTE) and net interest spread (FTE) for the applicable periods presented.
 
 
Three Months Ended
 
Year Ended
 
 
2019
 
2018
 
December 31,
 
 
Dec 31,
 
Sep 30,
 
Jun 30,
 
Mar 31,
 
Dec 31,
 
2019
 
2018
Reconciliation of return on average common equity to return on average tangible common equity:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income
 
$
17,335

 
$
19,792

 
$
18,610

 
$
18,817

 
$
17,381

 
$
74,554

 
$
74,138

After-tax amortization expense
 
814

 
853

 
892

 
931

 
970

 
3,490

 
4,118

Adjusted net income available to common shareholders
 
$
18,149

 
$
20,645

 
$
19,502

 
$
19,748

 
$
18,351

 
$
78,044

 
$
78,256

 
 
 
 
 
 
 
 
 
 
 
 


 


Average shareholders' equity
 
$
816,848

 
$
802,953

 
$
771,344

 
$
737,221

 
$
741,369

 
$
782,367

 
$
751,262

Less: Average intangibles for the period
 
(215,101
)
 
(216,169
)
 
(217,266
)
 
(218,438
)
 
(219,645
)
 
(216,733
)
 
(222,325
)
   Average tangible shareholders' equity
 
$
601,747

 
$
586,784

 
$
554,078

 
$
518,783

 
$
521,724

 
$
565,634

 
$
528,937

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Return on average tangible common equity
 
11.97
%
 
13.96
%
 
14.12
%
 
15.44
%
 
13.95
%
 
13.80
%
 
14.79
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Reconciliation of book value per share to tangible book value per share:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Common equity at end of period
 
$
804,580

 
$
810,453

 
$
787,765

 
$
758,033

 
$
731,291

 
$
804,580

 
$
731,291

Less: Intangible assets at end of period
 
(214,477
)
 
(215,507
)
 
(216,587
)
 
(217,716
)
 
(218,895
)
 
(214,477
)
 
(218,895
)
Tangible common shareholders' equity at end of period
 
$
590,103

 
$
594,946

 
$
571,178

 
$
540,317

 
$
512,396


$
590,103


$
512,396

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total assets at end of period
 
$
6,748,913

 
$
6,542,075

 
$
6,372,870

 
$
6,217,196

 
$
6,123,494

 
$
6,748,913

 
$
6,123,494

Less: Intangible assets at end of period
 
(214,477
)
 
(215,507
)
 
(216,587
)
 
(217,716
)
 
(218,895
)
 
(214,477
)
 
(218,895
)
Tangible assets at end of period
 
$
6,534,436

 
$
6,326,568

 
$
6,156,283

 
$
5,999,480

 
$
5,904,599


$
6,534,436

 
$
5,904,599

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Period end tangible equity to period end tangible assets
 
9.03
%
 
9.40
%
 
9.28
%
 
9.01
%
 
8.68
%

9.03
%
 
8.68
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Common shares outstanding end of period
 
33,823

 
33,795

 
33,749

 
33,718

 
33,725

 
33,823

 
33,725

Tangible book value per common share
 
$
17.45

 
$
17.60

 
$
16.92

 
$
16.02

 
$
15.19


$
17.45

 
$
15.19

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Reconciliation of efficiency ratio to efficiency ratio (FTE), net interest margin to net interest margin (FTE) and net interest spread to net interest spread (FTE):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net interest income (GAAP)
 
$
43,176

 
$
42,373

 
$
43,131

 
$
41,125

 
$
42,410

 
$
169,805

 
$
172,064

Tax equivalent adjustments:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans
 
653

 
641

 
598

 
598

 
599

 
2,490

 
2,354

Tax-exempt investment securities
 
1,387

 
1,161

 
986

 
1,614

 
1,933

 
5,148

 
7,004

Net interest income (FTE) (1)
 
45,216

 
44,175

 
44,715

 
43,337

 
44,942

 
177,443

 
181,422

Noninterest income
 
10,465

 
11,111

 
11,254

 
9,538

 
10,134

 
42,368

 
40,773

Nonrecurring income (2)
 
(42
)
 
(42
)
 
(557
)
 
171

 
(66
)
 
(470
)
 
1,198

Total revenue
 
$
55,639

 
$
55,244

 
$
55,412

 
$
53,046

 
$
55,010

 
$
219,341

 
$
223,393

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Noninterest expense
 
$
30,944

 
$
29,026

 
$
29,700

 
$
29,627

 
$
30,196

 
$
119,297

 
$
120,099

Pre-tax amortization expense
 
(1,030
)
 
(1,080
)
 
(1,129
)
 
(1,179
)
 
(1,228
)
 
(4,418
)
 
(5,213
)
Nonrecurring expense (3)
 
56

 
(33
)
 
(67
)
 
18

 
(264
)
 
(26
)
 
(3,236
)
Adjusted noninterest expense
 
$
29,970

 
$
27,913

 
$
28,504

 
$
28,466

 
$
28,704

 
$
114,853

 
$
111,650

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Efficiency ratio
 
55.92
%
 
52.23
%
 
52.95
%
 
56.00
%
 
54.70
%
 
54.25
%
 
52.16
%
Efficiency ratio (FTE) (1)
 
53.87
%
 
50.53
%
 
51.44
%
 
53.66
%
 
52.18
%
 
52.36
%
 
49.98
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Average earning assets
 
$
6,029,624

 
$
5,782,704

 
$
5,654,086

 
$
5,733,116

 
$
5,558,052

 
$
5,800,648

 
$
5,699,985

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net interest margin
 
2.84
%
 
2.91
%
 
3.06
%
 
2.91
%
 
3.03
%
 
2.93
%
 
3.02
%
Net interest margin (FTE) (1)
 
2.98
%
 
3.03
%
 
3.17
%
 
3.07
%
 
3.21
%
 
3.06
%
 
3.18
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net interest spread
 
2.52
%
 
2.55
%
 
2.69
%
 
2.56
%
 
2.68
%
 
2.58
%
 
2.72
%
Net interest spread (FTE) (1)
 
2.66
%
 
2.68
%
 
2.81
%
 
2.71
%
 
2.86
%
 
2.71
%
 
2.88
%
(1)
These amounts are presented on a fully taxable-equivalent basis and are non-GAAP measures.
(2)
These adjustments may include net gain and loss on sale of securities available for sale, loss on fair value hedge, other-than-temporary impairment charges and additional bank owned life insurance income realized as a result of the death benefits for a retired covered officer, in the periods where applicable.
(3)
These adjustments may include acquisition expenses, foreclosure expenses and branch closure expenses, in the periods where applicable.

Page-15
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