For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Non-interest income-Fiduciary And Trust | 42,808 | - | ||
| Non-interest income-Deposit Account | 8,732 | - | ||
| Non-interest income-Credit And Debit Card | 19,873 | - | ||
| Non-interest income-Treasury Management | 11,679 | - | ||
| Non-interest income-Investment Advisory Management And Administrative Service | 4,221 | - | ||
| Non-interest income | - | 86,466 | ||
| Non-interest income-Product And Service Other | 2,925 | - | ||
| Mortgage banking income | 4,123 | 3,858 | ||
| Loss on sale of securities afs debt securities | 0 | - | ||
| Bank owned life insurance | 2,515 | 2,443 | ||
| Gain on sale of premises and equipment | 72 | -100 | ||
| Total non-interest income | 96,948 | 95,230 | ||
| Loans, including fees | 416,943 | 369,362 | ||
| Federal funds sold and interest bearing due from banks | 17,238 | 9,256 | ||
| Mortgage loans held for sale | 348 | 232 | ||
| Federal home loan bank stock | 2,109 | 2,306 | ||
| Taxable | 29,089 | 29,896 | ||
| Tax-exempt | 1,862 | 1,827 | ||
| Total interest income | 467,589 | 412,879 | ||
| Deposits | 149,512 | 133,541 | ||
| Securities sold under agreements to repurchase | 2,411 | 3,432 | ||
| Federal funds purchased and other short-term borrowings | 283 | 471 | ||
| Federal home loan bank advances | 13,451 | 16,444 | ||
| Subordinated debentures | 1,620 | 1,951 | ||
| Total interest expense | 167,277 | 155,839 | ||
| Net interest income | 300,312 | 257,040 | ||
| Provision for credit losses | 6,700 | 9,725 | ||
| Net interest income after provision expense | 293,612 | 247,315 | ||
| Compensation | 110,557 | 100,842 | ||
| Employee benefits | 21,260 | 20,268 | ||
| Net occupancy and equipment | 16,533 | 15,193 | ||
| Technology and communication | 19,295 | 19,207 | ||
| Debit and credit card processing | 7,613 | 7,262 | ||
| Marketing and business development | 7,526 | 6,924 | ||
| Postage, printing and supplies | 3,746 | 3,645 | ||
| Legal and professional | 4,215 | 4,111 | ||
| Fdic insurance | 4,805 | 4,539 | ||
| Capital and deposit based taxes | 3,415 | 2,781 | ||
| Intangible amortization | 3,658 | 4,485 | ||
| Amortization of investments in tax credit partnerships | 0 | - | ||
| Other | 9,741 | 8,922 | ||
| Total non-interest expenses | 212,364 | 198,179 | ||
| Income before income tax expense | 178,196 | 144,366 | ||
| Income tax expense | 38,046 | 29,827 | ||
| Net income | - | 114,539 | ||
| Net income available to stockholders | - | 114,539 | ||
| Net income | 140,150 | - | ||
| Basic EPS | 4.77 | 3.91 | ||
| Diluted EPS | 4.75 | 3.89 | ||
| Basic Average Shares | 29,363,000 | 29,288,000 | ||
| Diluted Average Shares | 29,507,000 | 29,421,000 | ||
Stock Yards Bancorp, Inc. (SYBT)
Stock Yards Bancorp, Inc. (SYBT)