10-Q 1 sybt20240331_10q.htm FORM 10-Q sybt20240331_10q.htm
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Does not included TDRs captured in the non-accrual column. Outside of the scope of ASC 606, with the exception of safe deposit fees which were nominal for all periods. Includes $364,000 and $597,000 in brokered deposits as of March 31, 2024 and December 31, 2023, respectively. 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Table of Contents

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

For the quarterly period ended March 31, 2024

 

or

 

Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

Commission File Number: 1-13661

logo01.jpg

STOCK YARDS BANCORP, INC.

(Exact name of registrant as specified in its charter)

 

Kentucky

61-1137529

(State or other jurisdiction of incorporation or organization)

(I.R.S. Employer Identification No.)

 

1040 East Main Street, Louisville, Kentucky

40206

(Address of principal executive offices)

(Zip Code)

 

Registrant’s telephone number, including area code: (502) 582-2571

 

Securities registered pursuant to Section 12(b) of the Act: 

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, no par value

SYBT

The NASDAQ Stock Market, LLC

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  ☒ Yes   ☐ No

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).  ☒ Yes  ☐ No

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer ☒ 

Accelerated filer ☐

Non-accelerated filer ☐

Smaller reporting company  

Emerging growth company 

   

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).   Yes  ☒ No

 

The number of shares outstanding of the registrant’s Common Stock, no par value, as of April 30, 2024, was 29,392,401.

 

 

 

 

TABLE OF CONTENTS

 

PART I FINANCIAL INFORMATION 4
     
     
Item 1. Financial Statements. 4
     
  Condensed Consolidated Balance Sheets 4
     
  Condensed Consolidated Statements Income 5
     
  Condensed Consolidated Statements of Comprehensive Income (Loss) 6
     
  Condensed Consolidated Statements of Changes in Stockholders’ Equity 7
     
  Condensed Consolidated Statements of Cash Flows 8
     
  Notes to Condensed Consolidated Financial Statements 10
     
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations. 53
     
Item 3. Quantitative and Qualitative Disclosures about Market Risk. 80
     
Item 4. Controls and Procedures. 80
     
     
PART II OTHER INFORMATION 80
     
Item 1. Legal Proceedings. 80
     
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds. 80
   
Item 5. Other Information 80
     
Item 6. Exhibits. 81
     
Signatures 82

 

 

GLOSSARY OF ABBREVIATIONS AND ACRONYMS

 

The acronyms and abbreviations identified in alphabetical order below are used throughout this Report on Form 10-Q:

 

Acronym or

Term

 

Definition

 

Acronym or Term

 

Definition

 

Acronym or

Term

 

Definition

ACH

 

Automatic Clearing House

 

EVP

 

Executive Vice President

 

NPV

 

Net Present Value

AFS

 

Available for Sale

 

FASB

 

Financial Accounting Standards Board

 

Net Interest Spread

 

Net Interest Spread (FTE)

APIC

 

Additional paid-in capital

 

FDIC

 

Federal Deposit Insurance Corporation

 

NM

 

Not Meaningful

ACL

 

Allowance for Credit Losses

 

FFP

 

Federal Funds Purchased

 

OAEM

 

Other Assets Especially Mentioned

AOCI

 

Accumulated Other Comprehensive Income

 

FFS

 

Federal Funds Sold

 

OREO

 

Other Real Estate Owned

ASC

 

Accounting Standards Codification

 

FFTR

 

Federal Funds Target Rate

 

PPP

 

SBA Paycheck Protection Program

ASU

 

Accounting Standards Update

 

FHA

 

Federal Housing Authority

 

PV

 

Present Value

ATM

 

Automated Teller Machine

 

FHC

 

Financial Holding Company

 

PCD

 

Purchased Credit Deteriorated

AUM

 

Assets Under Management

 

FHLB

 

Federal Home Loan Bank of Cincinnati

 

PD

 

Probability of Default

Bancorp / the Company

 

Stock Yards Bancorp, Inc. 

 

FHLMC

 

Federal Home Loan Mortgage Corporation 

 

Prime

 

The Wall Street Journal Prime Interest Rate

Bank / SYB

 

Stock Yards Bank & Trust Company 

 

FICA

 

Federal Insurance Contributions Act

 

Provision

 

Provision for Credit Losses

BOLI

 

Bank Owned Life Insurance

 

FNMA

 

Federal National Mortgage Association

 

PSU

 

Performance Stock Unit

BP

 

Basis Point - 1/100th of one percent

 

FRB

 

Federal Reserve Bank

 

ROA

 

Return on Average Assets

C&D

 

Construction and Land Development

 

FTE

 

Fully Tax Equivalent

 

ROE

 

Return on Average Equity

Captive

 

SYB Insurance Company, Inc.

 

GAAP

 

United States Generally Accepted Accounting Principles

 

RSA

 

Restricted Stock Award

C&I

 

Commercial and Industrial

 

GLB

 

Gramm-Leach-Bliley Act

 

RSU

 

Restricted Stock Unit

CB

 

Commonwealth Bancshares, Inc. and Commonwealth Bank & Trust Company

 

GNMA

 

Government National Mortgage Association

 

SAB

 

Staff Accounting Bulletin

CD

 

Certificate of Deposit

 

HELOC

 

Home Equity Line of Credit

 

SAR

 

Stock Appreciation Right

CDI

 

Core Deposit Intangible

 

HTM

 

Held to Maturity

 

SBA

 

Small Business Administration

CECL

 

Current Expected Credit Loss (ASC-326)

 

ITM

 

Interactive Teller Machine

 

SEC

 

Securities and Exchange Commission

CEO

 

Chief Executive Officer

 

KB

 

Kentucky Bancshares, Inc. and Kentucky Bank

 

SOFR

 

Secured Overnight Financing Right

CFO

 

Chief Financial Officer

 

KSB

 

King Bancorp, Inc. and King Southern Bank

 

SSUAR

 

Securities Sold Under Agreements to Repurchase

CLI

 

Customer List Intangible

 

LGD

 

Loss Given Default

 

SVP

 

Senior Vice President

CRA

 

Community Reinvestment Act

 

LFA

 

Landmark Financial Advisors, LLC

 

TBA

 

To Be Annouced

CRE

 

Commercial Real Estate

 

LIBOR

 

London Interbank Offered Rate

 

TBOC

 

The Bank Oldham County

DCF 

 

Discounted Cash Flow

 

Loans

 

Loans and Leases

 

TCE

 

Tangible Common Equity

DTA

 

Deferred Tax Asset

 

MBS

 

Mortgage Backed Securities

 

TDR

 

Troubled Debt Restructuring

DTL

 

Deferred Tax Liability

 

MSA

 

Metropolitan Statistical Area

 

TPS

 

Trust Preferred Securities

Dodd-Frank Act

 

The Dodd-Frank Wall Street Reform and Consumer Protection Act

 

MSRs

 

Mortgage Servicing Rights

 

VA

 

U.S. Department of Veterans Affairs

EPS

 

Earnings Per Share

 

NASDAQ

 

The NASDAQ Stock Market, LLC

 

WM&T

 

Wealth Management and Trust

ESG

 

Environmental, Social and Governance

 

NCI

 

Non-controlling Interest

       

ETR

 

Effective Tax Rate

 

NIM

 

Net Interest Margin (FTE)

       

 

 

 

PART I FINANCIAL INFORMATION

 

Item 1.

Financial Statements

 

 

CONDENSED CONSOLIDATED BALANCE SHEETS

 

March 31, 2024 (unaudited) and December 31, 2023 (in thousands, except share data)

 

  

March 31,

  

December 31,

 
  

2024

  

2023

 

Assets

        

Cash and due from banks

 $71,676  $94,466 

Federal funds sold and interest bearing due from banks

  88,547   171,493 

Total cash and cash equivalents

  160,223   265,959 
         

Mortgage loans held for sale, at fair value

  6,462   6,056 

Available for sale debt securities (amortized cost of $1,123,119 in 2024 and $1,154,153 in 2023, respectively)

  993,808   1,031,179 

Held to maturity debt securities (fair value of $351,869 in 2024 and $408,519 in 2023, respectively)

  385,404   439,837 

Federal Home Loan Bank stock, at cost

  24,675   16,236 

Loans

  5,849,715   5,771,038 

Allowance for credit losses on loans

  (80,897)  (79,374)

Net loans

  5,768,818   5,691,664 
         

Premises and equipment, net

  106,730   101,174 

Premises held for sale

  2,482   2,502 

Bank owned life insurance

  87,514   86,927 

Accrued interest receivable

  26,074   26,830 

Goodwill

  194,074   194,074 

Core deposit intangible

  11,272   11,944 

Customer list intangible

  7,980   8,360 

Other assets

  347,612   287,360 

Total assets

 $8,123,128  $8,170,102 
         

Liabilities

        

Deposits:

        

Non-interest bearing

 $1,481,217  $1,548,624 

Interest bearing

  5,127,863   5,122,124 

Total deposits

  6,609,080   6,670,748 
         

Securities sold under agreements to repurchase

  162,528   152,991 

Federal funds purchased

  9,961   12,852 

Subordinated debentures

  26,806   26,740 

Federal Home Loan Bank advances

  200,000   200,000 

Accrued interest payable

  2,194   2,094 

Other liabilities

  237,848   246,574 

Total liabilities

  7,248,417   7,311,999 
         

Commitments and contingent liabilities (Footnote 12)

          
         

Stockholders equity

        

Preferred stock, no par value. Authorized 1,000,000 shares; no shares issued or outstanding

      

Common stock, no par value. Authorized 40,000,000 shares; issued and outstanding 29,393,000 and 29,329,000 shares in 2024 and 2023, respectively

  58,812   58,602 

Additional paid-in capital

  389,685   385,955 

Retained earnings

  521,268   506,344 

Accumulated other comprehensive loss

  (95,054)  (92,798)

Total stockholders equity

  874,711   858,103 

Total liabilities and equity

 $8,123,128  $8,170,102 

 

See accompanying notes to unaudited condensed consolidated financial statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (unaudited)

For the three months ended March 31, 2024 and 2023 (in thousands, except per share data)

 

   

Three months ended

 
   

March 31,

 
   

2024

   

2023

 

Interest income:

               

Loans, including fees

  $ 85,840     $ 68,787  

Federal funds sold and interest bearing due from banks

    2,096       1,581  

Mortgage loans held for sale

    31       41  

Federal Home Loan Bank stock

    468       165  

Investment securities:

               

Taxable

    7,657       8,446  

Tax-exempt

    453       447  

Total interest income

    96,545       79,467  

Interest expense:

               

Deposits

    31,866       13,499  

Securities sold under agreements to repurchase

    931       456  

Federal funds purchased and other short-term borrowings

    136       177  

Federal Home Loan Bank advances

    2,997       1,734  

Subordinated debentures

    545       529  

Total interest expense

    36,475       16,395  

Net interest income

    60,070       63,072  

Provision for credit losses

    1,425       2,625  

Net interest income after provision expense

    58,645       60,447  

Non-interest income:

               

Wealth management and trust services

    10,771       9,527  

Deposit service charges

    2,136       2,149  

Debit and credit card income

    4,682       4,482  

Treasury management fees

    2,625       2,318  

Mortgage banking income

    948       1,038  

Net investment product sales commissions and fees

    865       754  

Bank owned life insurance

    588       549  

Loss on sale of premises and equipment

    -       (2 )

Other

    656       1,232  

Total non-interest income

    23,271       22,047  

Non-interest expenses:

               

Compensation

    24,221       21,896  

Employee benefits

    5,876       5,053  

Net occupancy and equipment

    3,670       3,899  

Technology and communication

    5,069       4,251  

Debit and credit card processing

    1,746       1,419  

Marketing and business development

    1,075       1,095  

Postage, printing and supplies

    926       874  

Legal and professional

    1,115       797  

FDIC insurance

    1,112       1,135  

Amortization of investments in tax credit partnerships

    -       323  

Capital and deposit based taxes

    630       639  

Intangible amortization

    1,052       1,180  

Other

    2,469       2,753  

Total non-interest expenses

    48,961       45,314  

Income before income tax expense

    32,955       37,180  

Income tax expense

    7,068       8,132  

Net income

  $ 25,887     $ 29,048  

Net income per share - basic

  $ 0.89     $ 1.00  

Net income per share - diluted

  $ 0.88     $ 0.99  

Weighted average outstanding shares

               

Basic

    29,250       29,178  

Diluted

    29,361       29,365  

 

See accompanying notes to unaudited condensed consolidated financial statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (unaudited)

For the three months ended March 31, 2024 and 2023 (in thousands)

 

   

Three months ended

 
   

March 31,

 
   

2024

   

2023

 

Net income

  $ 25,887     $ 29,048  

Other comprehensive income (loss):

               

Change in unrealized gain (loss) on AFS debt securities

    (6,337 )     18,859  

Change in fair value of derivatives used in cash flow hedge

    3,325       494  

Total other comprehensive income (loss) before income tax effect

    (3,012 )     19,353  

Tax effect

    (756 )     4,760  

Total other comprehensive income (loss) net of tax

    (2,256 )     14,593  

Comprehensive income

  $ 23,631     $ 43,641  

 

See accompanying notes to unaudited condensed consolidated financial statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS EQUITY (unaudited)

 

For the three months ended March 31, 2024 and 2023 (in thousands, except per share data)

 

                  

Accumulated

     
  

Common stock

  

Additional

      

other

  

Total

 
  

Shares

      

paid-in

  

Retained

  

comprehensive

  

stockholders'

 
  

outstanding

  

Amount

  

capital

  

earnings

  

income (loss)

  

equity

 
                         

Balance, January 1, 2024

  29,329  $58,602  $385,955  $506,344  $(92,798) $858,103 
                         

Activity for three months ended March 31, 2024:

                        

Net income

           25,887      25,887 

Other comprehensive loss

              (2,256)  (2,256)

Stock compensation expense

        942         942 

Reclassification adjustment - ASU 2023-02

           2,482      2,482 

Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations

  65   212   2,825   (4,675)     (1,638)

Cash dividends declared, $0.30 per share

           (8,809)     (8,809)

Shares cancelled

  (1)  (2)  (37)  39       

Balance, March 31, 2024

  29,393  $58,812  $389,685  $521,268  $(95,054) $874,711 

 

                  

Accumulated

     
  

Common stock

  

Additional

      

other

  

Total

 
  

Shares

      

paid-in

  

Retained

  

comprehensive

  

stockholders'

 
  

outstanding

  

Amount

  

capital

  

earnings

  

income (loss)

  

equity

 
                         

Balance, January 1, 2023

  29,259  $58,367  $377,703  $439,898  $(115,536) $760,432 
                         

Activity for three months ended March 31, 2023:

                        

Net income

           29,048      29,048 

Other comprehensive income

              14,593   14,593 

Stock compensation expense

        1,152         1,152 

Stock issued for share-based awards, net of withholdings to satisfy employee tax obligations

  66   217   3,557   (6,143)     (2,369)

Cash dividends declared, $0.29 per share

           (8,489)     (8,489)

Shares cancelled

  (1)  (2)  (21)  24      1 

Balance, March 31, 2023

  29,324  $58,582  $382,391  $454,338  $(100,943) $794,368 

 

See accompanying notes to unaudited condensed consolidated financial statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited)

 

For the three months ended March 31, 2024 and 2023 (in thousands)

 

    2024     2023  
Cash flows from operating activities:                

Net income

  $ 25,887     $ 29,048