Stock Yards Bank & Trust Company in Louisville, Kentucky (KY), IN, OH
Overview, Financial Summary, Detailed Financial Reports, Branches


Stock Yards Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 258
    Status: Active
    Federal Reserve ID: 317342
    Bank Holding Company (Regulatory Top Holder): S. Y. Bancorp, Inc. (RSSDID: 1249730, Location: Louisville, KY)
    Date Established: June 01, 1904
    WWW: http://www.syb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 31 (Domestic: 30, Interstate: Yes)
    OTS Docket #: 9364
    FDIC's unique #: 207
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 29, 2011
    Last Structure Change Process Date: November 29, 2011
    Last Data Update: November 29, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1040 East Main Street, Louisville, KY 40232
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • Financial Summary
  • Total assets: $2,045.7 mil
    Equity capital: $186.0 mil
    Deposits held in domestic offices: $1,643.0 mil
    Return on assets (ROA): 1.36% ($27.8 mil)
    Quarterly return on assets: 1.36% ($27.8 mil)
    Return on Equity (ROE): 15.49% ($28.8 mil)
    Quarterly return on equity: 14.95% ($27.8 mil)
    Net income: $26.6 mil
    Quarterly Net income: $6.8 mil
    Pretax return on assets: 1.88% ($38,459.0 mil)
    Quarterly Pretax return on assets: 1.64% ($33,549.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 480Total employees (full-time equivalent)
  • $2,045,694Total assets
  • $54,218Cash and due from depository institutions
  • $21,317Interest-bearing balances
  • $351,183Securities
  • $702Federal funds sold & reverse repurchase agreements
  • $1,519,811Net loans & leases
  • $29,745Loan loss allowance
  • $0Trading account assets
  • $36,609Bank premises and fixed assets
  • $7,773Other real estate owned
  • $2,313Goodwill and other intangibles
  • $2,045,694Life insurance assets
  • $73,085All other assets
  • $1,859,663Total liabilities and capital
  • $1,643,035Total liabilities
  • $1,593,483Total deposits
  • $1,643,035Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 103299.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $90,755Trading liabilities
  • $10,000Other borrowed funds
  • $12,574Subordinated debt
  • $186,031All other liabilities
  • $186,031Total equity capital
  • $186,031Total bank equity capital
  • $0Perpetual preferred stock
  • $4,120Common stock
  • $19,125Surplus
  • $162,786Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,381Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $20,420Income earned, not collected on loans
  • $0Earning assets
  • $5,937Long-term assets (5+ years)
  • $1,893,013Average Assets, year-to-date
  • $326,954Average Assets, quarterly
  • $1,952,705Volatile liabilities
  • $2,012,795Insider loans
  • $1,648,936FHLB advances
  • $2,001,110Loans and leases held for sale
  • $34,658Unused loan commitments
  • $34,658Tier 1 (core) risk-based capital
  • $179,889Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $318,906Restructured Loans and leases
  • $9,865Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $85,845Total interest income
  • $12,217Total interest expense
  • $73,628Net interest income
  • $12,600Provision for loan and lease losses
  • $32,311Total noninterest income
  • $13,862Fiduciary activities
  • $7,759Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,690Additional noninterest income
  • $56,682Total noninterest expense
  • $32,705Salaries and employee benefits
  • $8,691Premises and equipment expense
  • $15,286Additional noninterest expense
  • $36,657Pre-tax net operating income
  • $0Securities gains (losses)
  • $10,080Applicable income taxes
  • $26,577Income before extraordinary items
  • $0Extraordinary gains - net
  • $26,577Net income attributable to bank
  • $0Net charge-offs
  • $26,577Cash dividends
  • $8,398Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.07%Net interest margin
  • 1.79%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.88%Pretax return on assets
  • 15.49%Return on equity (ROE)
  • 15.49%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 150.04%Credit loss provision to net charge-offs
  • 5.87%Efficiency ratio
  • 53,504Assets per employee
  • 4.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 145.67%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 92.50%Net loans and leases to core deposits
  • 95.49%Equity capital to assets
  • 9.09%Core capital (leverage) ratio
  • 8.99%Tier 1 risk-based capital ratio
  • 10.91%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,952,705Average earning assets
  • $171,527Average equity
  • $1,808,971Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,697,389Managed Assets
  • 1Number of Accounts
  • $1,514,546Personal trust and agency accounts
  • $491,331Employee benefit-defined contribution accounts
  • $106,869Employee benefit-defined benefit accounts
  • $10,879Other retirement accounts
  • $173,917Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $552,370Other fiduciary accounts
  • $179,180Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1697Number of Accounts
  • $0Personal trust and agency accounts
  • $173,917Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $182,843Other retirement accounts
  • $7,819Corporate trust and agency accounts
  • $105,121Other fiduciary accounts
  • $15,769Fiduciary accounts held in foreign offices

List of branches

  • 8 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    914979Austin Branch275 Highway 31 North, Austin, IN 47102May 01, 1909Full Service Brick and Mortar
    10181414Clarksville Branch227 East Highway 131, Clarksville, IN 47129May 28, 1998Full Service Brick and Mortar
    16362610Jeffersonville Branch3230 East Highway 62, Jeffersonville, IN 47130November 06, 2001Full Service Brick and Mortar
    19430755Highlander Point Branch815 Highland Point Drive, Floyds Knobs, IN 47119August 03, 2003Full Service Brick and Mortar
    20430756New Albany Branch2860 Charlestown Road, New Albany, IN 47150May 03, 2003Full Service Brick and Mortar
    21430757Indianapolis Branch136 East Market Street, Indianapolis, IN 46204June 07, 2004Full Service Brick and Mortar
    27479940Carmel, In Branch11450 N. Meridian Street, Carmel, IN 46032Febuary 01, 2008Full Service Retail
    31529946Lake Plaza Drive Branch6840 Lake Plaza Drive, Indianapolis, IN 46220March 05, 2012Full Service Brick and Mortar
  • 20 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0207Stock Yards Bank & Trust Company1040 East Main Street, Louisville, KY 40232June 01, 1904Full Service Brick and Mortar
    1181406Fifth Street Branch214 South Fifth Street, Louisville, KY 40202September 18, 1989Full Service Brick and Mortar
    2181407Lexington Road Branch3794 Lexington Road, Louisville, KY 40207Febuary 17, 1992Full Service Brick and Mortar
    3181408Middletown Branch11800 Shelbyville Road, Louisville, KY 40243May 11, 1992Full Service Brick and Mortar
    4181409Poplar Level Road Branch4016 Poplar Level Road, Louisville, KY 40213September 30, 1992Full Service Brick and Mortar
    51814105300 Dixie Highway Branch5300 Dixie Highway, Louisville, KY 40216Febuary 21, 1994Full Service Brick and Mortar
    6181411Outer Loop Branch4537 Outer Loop, Louisville, KY 40219May 12, 1995Full Service Brick and Mortar
    7181412Stony Brook Branch2811 South Hurstbourne Parkway, Louisville, KY 40220September 09, 1996Full Service Brick and Mortar
    8181413Springhurst Br9400 Brownsboro Road, Louisville, KY 40241October 07, 1996Full Service Brick and Mortar
    11181415Rudy Lane Branch4800 Brownsboro Road, Louisville, KY 40207March 08, 1999Full Service Brick and Mortar
    12181416Bluegrass Branch1901 Blakenbaker Parkway, Louisville, KY 40209April 27, 1999Full Service Brick and Mortar
    13181417Third & Tenny Branch4825 South Third Street, Louisville, KY 40214August 10, 1998Full Service Brick and Mortar
    15361908Hillview Branch5026 Mud Lane, Louisville, KY 40229December 26, 2000Full Service Brick and Mortar
    17418525West Broadway Branch2710 West Broadway, Louisville, KY 40211March 03, 2003Full Service Brick and Mortar
    18419166Fern Creek Office10000 Will Way, Louisville, KY 40291May 12, 2003Full Service Brick and Mortar
    22430758Dupont Circle Branch4098 Dutchmans Lane, Louisville, KY 40207June 30, 2004Full Service Brick and Mortar
    23431608Hikes Point Branch3063 Breckinridge Lane, Louisville, KY 40220June 03, 2004Full Service Brick and Mortar
    24454905Shepherdsville Branch185 Adam Shepherd Parkway, Shepherdsville, KY 40165September 05, 2006Full Service Brick and Mortar
    25464175Prospect Branch9201 U.S. Highway 42, Prospect, KY 40059March 22, 2007Full Service Brick and Mortar
    30516203Highland Branch2292 Bardstown Road, Louisville, KY 40205November 13, 2010Full Service Brick and Mortar
  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    26473041Cincinnati Branch101 West Fourth Street, Cincinnati, OH 45202January 28, 2008Full Service Retail
    28507368Paxton Road Cincinnati Branch3880 Paxton Road, Cincinnati, OH 45209March 09, 2010Full Service Brick and Mortar
    29512565Madeira Branch7124 Miami Avenue, Madeira, OH 45243July 19, 2010Full Service Brick and Mortar

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