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Ticker:SBSI
Company Name: Southside Bancshares, Inc.

Business Overview from 10-K filing for Southside Bancshares, Inc.:

The disclosures set forth in this item are qualified by the section captioned “Forward-Looking Information” in Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations of this Annual Report on Form 10-K and other cautionary statements set forth elsewhere in this report. GENERAL Southside Bancshares, Inc. (the “Company”), incorporated in Texas in 1982, is a bank holding company for Southside Bank (the “Bank” or “Southside Bank”), headquartered in Tyler, Texas. Tyler has a metropolitan area population of approximately 184,000 and is located approximately 90 miles east of Dallas, Texas and 90 miles west of Shreveport, Louisiana. The Bank has the largest deposit base in the Tyler metropolitan area and is the largest bank based on asset size headquartered in East Texas. At December 31, 2004, the Company had total assets of $1.6 billion, total loans of $624.0 million, deposits of $941.     

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