GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

SBSI · Sep 30, 2021

SOUTHSIDE BANCSHARES INC. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]

Inspectable configuration

State dimensions

Filing0000705432-21-000177Bank

Sequential deposit growthRAWCurrent state valid · history insufficient

Evidence method

Sequential · gp.financial.deposits

3.40% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.fundamentals.net_income

8.24% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.financial.interest_expense

-24.43% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient

Evidence method

Yoy · gp.financial.interest_income

-1.08% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalentsRAWCurrent state valid · history insufficient

Evidence method

Level · gp.fundamentals.cash

$87.1M · CORE · NOT_ENOUGH_HISTORY

Sequential loan growthRAWCurrent state valid · history insufficient

Evidence method

Sequential · gp.financial.loans

0.28% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History8 statesSelf-history eligible

Dec 31, 20200/3 normalizedLevel 3 Jun 30, 20210/6 normalizedLevel 3 Sep 30, 20210/6 normalizedLevel 3 Dec 31, 20210/6 normalizedLevel 3 Mar 31, 20220/6 normalizedLevel 3 Jun 30, 20221/6 normalizedLevel 3 Sep 30, 20222/6 normalizedLevel 3 Sep 30, 20265/5 normalizedLevel 4

Period transition

What moved in the state?

Deposit Growth Increased

Previous: 1.25%
Current: 3.40%
Delta: 2.16%

Earnings Growth Increased

Previous: -1.10%
Current: 8.24%
Delta: 9.34%

Funding Cost Growth Increased

Previous: -38.18%
Current: -24.43%
Delta: 13.75%

Interest Income Growth Increased

Previous: -10.10%
Current: -1.08%
Delta: 9.02%

Liquidity Decreased

Previous: $128.5M
Current: $87.1M
Delta: -$41.4M

Loan Growth Increased

Previous: -0.26%
Current: 0.28%
Delta: 0.54%

Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.

Research Graph

Related governed research

Transitioned To · SBSI Fundamental State →Has State · SOUTHSIDE BANCSHARES INC →Transitioned To · SBSI Fundamental State →Transitioned To · SBSI DEPOSIT_GROWTH_INCREASED →Transitioned To · SBSI EARNINGS_GROWTH_INCREASED →Transitioned To · SBSI FUNDING_COST_GROWTH_INCREASED →Transitioned To · SBSI INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · SBSI LIQUIDITY_DECREASED →Transitioned To · SBSI LOAN_GROWTH_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.