| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 107,207 | 103,009 | 99,600 | 95,689 |
| Federal funds sold and interest bearing due from banks | 5,003 | 2,730 | 2,001 | 1,946 |
| Mortgage loans held for sale | 74 | 78 | 77 | 47 |
| Federal home loan bank stock | 488 | 662 | 532 | 663 |
| Taxable | 7,033 | 8,052 | 8,495 | 6,918 |
| Tax-exempt | 467 | 469 | 461 | 459 |
| Total interest income | 120,272 | 115,000 | 111,166 | 105,722 |
| Deposits | 39,294 | 37,511 | 34,581 | 33,997 |
| Securities sold under agreements to repurchase | 588 | 625 | 814 | 937 |
| Federal funds purchased and other short-term borrowings | 72 | 72 | 70 | 120 |
| Federal home loan bank advances | 2,870 | 2,908 | 4,741 | 5,209 |
| Subordinated debentures | 411 | 411 | 408 | 480 |
| Total interest expense | 43,235 | 41,527 | 40,614 | 40,743 |
| Net interest income | 77,037 | 73,473 | 70,552 | 64,979 |
| Provision for credit losses | 1,975 | 2,175 | 900 | 4,325 |
| Net interest income after provision expense | 75,062 | 71,298 | 69,652 | 60,654 |
| Non-interest income-Fiduciary And Trust | 10,704 | 10,483 | - | - |
| Non-interest income-Deposit Account | 2,281 | 2,069 | - | - |
| Non-interest income-Credit And Debit Card | 5,009 | 4,837 | - | - |
| Non-interest income-Treasury Management | 2,923 | 3,005 | - | - |
| Non-interest income-Product And Service Other | - | 1,177 | - | - |
| Mortgage banking income | 1,252 | 1,094 | - | 1,112 |
| Non-interest income | - | - | - | 22,182 |
| Non-interest income-Investment Advisory Management And Administrative Service | 1,112 | 980 | - | - |
| Bank owned life insurance | 631 | 629 | - | 634 |
| Gain on sale of premises and equipment | 0 | 74 | - | -59 |
| Non-interest income-Product And Service Other | 564 | - | - | - |
| Total non-interest income | 24,476 | 24,348 | 22,996 | 24,797 |
| Compensation | 28,836 | 27,279 | 25,932 | 25,534 |
| Employee benefits | 4,878 | 5,330 | 5,785 | 4,629 |
| Net occupancy and equipment | 4,086 | 4,025 | 4,123 | 3,775 |
| Technology and communication | 4,837 | 4,773 | 4,828 | 4,500 |
| Debit and credit card processing | 1,984 | 1,908 | 1,819 | 1,845 |
| Marketing and business development | 1,887 | 1,951 | 1,515 | 1,438 |
| Postage, printing and supplies | 910 | 937 | 969 | 901 |
| Legal and professional | 891 | 1,088 | 907 | 968 |
| Fdic insurance | 1,198 | 1,260 | 1,223 | 1,095 |
| Capital and deposit based taxes | 1,082 | 738 | 700 | 825 |
| Intangible amortization | 915 | 915 | 914 | 1,052 |
| Other | 2,327 | 2,496 | 2,312 | 1,890 |
| Total non-interest expenses | 53,831 | 52,700 | 51,027 | 48,452 |
| Income before income tax expense | 45,707 | 42,946 | 41,621 | 36,999 |
| Income tax expense | 9,466 | 8,922 | 8,350 | 7,639 |
| Net income | 36,241 | 34,024 | 33,271 | 29,360 |
| Basic (in shares) | 29,369,000 | 29,364,000 | 29,349,000 | 29,299,000 |
| Diluted (in shares) | 29,526,000 | 29,505,000 | 29,501,000 | 29,445,000 |
| Net income per share - basic (in dollars per share) | 1.23 | 1.16 | 1.13 | 1 |
| Net income per share - diluted (in dollars per share) | 1.23 | 1.15 | 1.13 | 1 |
Stock Yards Bancorp, Inc. (SYBT)
Stock Yards Bancorp, Inc. (SYBT)