10-Q 1 sybt20220930_10q.htm FORM 10-Q sybt20220930_10q.htm
0000835324 Stock Yards Bancorp, Inc. false --12-31 Q3 2022 1,317,163 1,190,379 433,371 0 0 0 1,000,000 1,000,000 0 0 0 0 0 0 40,000,000 40,000,000 29,242,000 29,242,000 26,596,000 26,596,000 3,074 3,074 41 0.28 0.28 0.29 0.27 0.27 0.28 0 7 3 0 0 0 0 0 0 0 0 0 0 0 0 2.85 1.35 1.40 1 2 0 0 0 10 5 3 1 15.24 40.00 27.47 47.17 50.71 50.48 15.24 19.37 16.40 15.24 50.71 31.16 15.24 50.71 31.16 53.29 54.91 54.86 15.24 36.65 16.93 15.24 54.91 34.65 15.24 50.71 30.92 35.90 54.91 44.06 15.24 54.91 34.65 35.90 50.71 39.36 100 100 3,074 3,074 41 41 0 0 1 5 Excludes $7.4 million in merger related credit loss expense for the nine months ended September 30, 2021. Adjustment to reflect the estimated fair value of subordinated debentures for differences in interest rates, which was based primarily on an analysis of market interest rates and maturity dates at the time of acquisition. Adjustment to other assets to reflect the estimated fair value of prepaid and other assets. During the third quarter of 2021, a provisional period adjustment of $70,000 was recorded for the write off of miscellaneous mortgage servicing fees. Outside of the scope of ASC 606. Adjustment to premises and equipment to reflect the estimated fair value of acquired premises and equipment and right of use assets. Ratio is computed in relation to average assets. Calculation of CDI related to the acquisition. During the third quarter of 2021, a provisional period adjustment of $999,000 was recorded based on revised inputs used in the CDI calculation. As of acquisition date, securities with a fair value of $162 million were classified by Bancorp as HTM. Excludes $4.4 million in merger related credit loss expense for the nine months ended September 30, 2022. Excludes $7.4 million in merger related credit loss expense for the nine months ended September 30, 2021, respectively. Excludes $18.5 million in pre-tax merger expenses for the nine months ended September 30, 2021. Excludes $4.4 million in merger related credit loss expense for the nine months ended September 30, 2022. Excludes $7.4 million in merger related credit loss expense for the nine months ended September 30, 2021, respectively Adjustment to other liabilities to establish the reserve for unfunded loan commitments under CECL and various accrual adjustments. Adjustment to deposits to reflect the estimated fair value of time deposits in interest rates, which was based on an analysis of market interest rates and maturity dates at the time of acquisition. Adjustment to reflect the estimated fair value of other real estate owned. Calculation of CDI related to the acquisition. Includes $21 million and $5 million in brokered deposits as of March 31, 2022 and December 31, 2021, respectively. Adjustment to reflect the estimated fair value of mortgage servicing rights. Adjustment to other liabilities to establish the reserve for unfunded loan commitments under CECL, operating lease liabilities and various accrual adjustments. Aggregate intrinsic value for SARs is defined as the amount by which the current market price of the underlying stock exceeds the exercise or grant price. Calculation of CLI related to the acquisition. Excludes $24.1 million in merger expenses for the nine months ended September 30, 2022. Excludes $525,000 and $18.5 million in merger expenses for the three and nine months ended September 30, 2021, respectively. Adjustment to investment securities based on Bancorp’s evaluation of the acquired portfolio. Adjustment to other assets to reflect the estimated fair value of prepaid and other assets. Adjustments to loans to reflect estimated fair value adjustments, including the following: (in thousands) Fair value adjustment - acquired non PCD loans $ 228 Fair value adjustment - acquired PCD loans (735 ) Eliminate unrecognized loan fees on acquired loans and fair value hedge (250 ) Net loan fair value adjustments $ (757 ) Adjustment to reflect the estimated fair value of Federal Home Loan Bank advances for differences in interest rates, which was based primarily on an analysis of current market interest rates and maturity dates. All KB FHLB advances were paid off immediately upon acquisition. Adjustment to net DTAs associated with the effects of the purchase accounting adjustments. See the following page for explanations or individual fair value and provisional period adjustments. Does not included TDRs captured in the non-accrual column. The net adjustment to allowance for credit losses includes the following: (in thousands) Reversal of historical CB allowance for credit losses on loans $ (16,102 ) Estimate of lifetime credit losses for PCD loans 9,950 Net change in allowance for credit losses $ (6,152 ) Elimination of the historical CB goodwill. Adjustment based on Bancorp’s evaluation of the acquired investment portfolio. Bancorp sold approximately $91 million in AFS debt securities shortly after acquisition. Adjustments to loans to reflect estimated fair value adjustments, including the following: (in thousands) Fair value adjustment - acquired non PCD loans $ (9,216 ) Fair value adjustment - acquired PCD loans (4,094 ) Eliminate unrecognized loan fees on acquired loans and fair value hedge 163 Net loan fair value adjustments $ (13,147 ) Total loans are presented inclusive of premiums, discounts and net loan origination fees and costs. Outside of the scope of ASC 606, with the exception of safe deposit fees which were nominal for all periods. Adjustment to reflect the estimated fair value of MSRs. Elimination of the historical KB goodwill. Ratio is computed in relation to risk-weighted assets. See the following page for explanations for individual fair value adjustments The net adjustment to allowance for credit losses includes the following: (in thousands) Reversal of historical KB allowance for credit losses on loans $ 9,491 Estimate of lifetime credit losses for PCD loans (6,757 ) Net change in allowance for credit losses $ 2,734 00008353242022-01-012022-09-30 xbrli:shares 00008353242022-10-31 thunderdome:item iso4217:USD 00008353242022-09-30 00008353242021-12-31 0000835324us-gaap:CoreDepositsMember2022-09-30 0000835324us-gaap:CoreDepositsMember2021-12-31 0000835324us-gaap:CustomerListsMember2022-09-30 0000835324us-gaap:CustomerListsMember2021-12-31 iso4217:USDxbrli:shares 00008353242022-07-012022-09-30 00008353242021-07-012021-09-30 00008353242021-01-012021-09-30 0000835324us-gaap:FiduciaryAndTrustMember2022-07-012022-09-30 0000835324us-gaap:FiduciaryAndTrustMember2021-07-012021-09-30 0000835324us-gaap:FiduciaryAndTrustMember2022-01-012022-09-30 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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 September 30, 2022

 

or

 

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

 

Commission File Number: 1-13661

 

sybt20220930_10qimg001.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 October 31, 2022, was 29,258,080.

 

 

  

 

TABLE OF CONTENTS

 

PART I FINANCIAL INFORMATION 4
   
   
Item 1. Financial Statements. 4
   
Condensed Consolidated Balance Sheets 4
   
Condensed Consolidated Statements of 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 9
   
Notes to Condensed Consolidated Financial Statements 11
   
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations. 72
   
Item 3. Quantitative and Qualitative Disclosures about Market Risk. 113
   
Item 4. Controls and Procedures. 113
   
   
PART II OTHER INFORMATION 113
   
Item 1. Legal Proceedings. 113
   
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds. 114
   
Item 6. Exhibits. 114
   
   
Signatures 115

 

  

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

 

ETR

 

Effective Tax Rate

 

NIM

 

Net Interest Margin (FTE)

AFS

 

Available for Sale

 

EVP 

 

Executive Vice President

 

NPV

 

Net Present Value

APIC

 

Additional paid-in capital

 

FASB

 

Financial Accounting Standards Board

 

Net Interest Spread

 

Net Interest Spread (FTE)

ACL

 

Allowance for Credit Losses

 

FDIC

 

Federal Deposit Insurance Corporation

 

NM

 

Not Meaningful

AOCI

 

Accumulated Other Comprehensive Income

 

FFP

 

Federal Funds Purchased

 

OAEM

 

Other Assets Especially Mentioned

ASC

 

Accounting Standards Codification

 

FFS

 

Federal Funds Sold

 

OREO

 

Other Real Estate Owned

ASU

 

Accounting Standards Update

 

FFTR

 

Federal Funds Target Rate

 

PPP

 

SBA Paycheck Protection Program

ATM

 

Automated Teller Machine

 

FHA

 

Federal Housing Authority

 

PV

 

Present Value

AUM

 

Assets Under Management

 

FHC

 

Financial Holding Company

 

PCD

 

Purchased Credit Deteriorated

Bancorp / the Company

 

Stock Yards Bancorp, Inc. 

 

FHLB

 

Federal Home Loan Bank of Cincinnati

 

Prime

 

The Wall Street Journal Prime Interest Rate

Bank / SYB

 

Stock Yards Bank & Trust Company 

 

FHLMC

 

Federal Home Loan Mortgage Corporation 

 

Provision

 

Provision for Credit Losses

BOLI

 

Bank Owned Life Insurance

 

FICA

 

Federal Insurance Contributions Act

 

PSU

 

Performance Stock Unit

BP

 

Basis Point - 1/100th of one percent

 

FNMA

 

Federal National Mortgage Association

 

ROA

 

Return on Average Assets

C&D

 

Construction and Development

 

FRB

 

Federal Reserve Bank

 

ROE

 

Return on Average Equity

Captive

 

SYB Insurance Company, Inc.

 

FTE

 

Fully Tax Equivalent

 

RSA

 

Restricted Stock Award

C&I

 

Commercial and Industrial

 

GAAP

 

United States Generally Accepted Accounting Principles

 

RSU

 

Restricted Stock Unit

CB

 

Commonwealth Bancshares, Inc. and Commonwealth Bank & Trust Company

 

GLBA

 

Gramm-Leach-Bliley Act

 

SAB

 

Staff Accounting Bulletin

CD

 

Certificate of Deposit

 

GNMA

 

Government National Mortgage Association

 

SAR

 

Stock Appreciation Right

CDI

 

Core Deposit Intangible

 

HELOC

 

Home Equity Line of Credit

 

SBA

 

Small Business Administration

CECL

 

Current Expected Credit Loss (ASC-326)

 

HTM

 

Held to Maturity

 

SEC

 

Securities and Exchange Commission

CEO

 

Chief Executive Officer

 

ITM

 

Interactive Teller Machine

 

SOFR

 

Secured Overnight Financing Right

CFO

 

Chief Financial Officer

 

KB

 

Kentucky Bancshares, Inc. and Kentucky Bank

 

SSUAR

 

Securities Sold Under Agreements to Repurchase

CLI

 

Customer list intangible

 

KSB

 

King Bancorp, Inc. and King Southern Bank

 

SVP

 

Senior Vice President

CLI

 

Customer list intangible

 

LFA

 

Landmark Financial Advisors, LLC

 

TBA

 

To Be Annouced

CRA

 

Community Reinvestment Act

 

LIBOR

 

London Interbank Offered Rate

 

TBOC

 

The Bank Oldham County

CRE

 

Commercial Real Estate

 

Loans

 

Loans and Leases

 

TCE

 

Tangible Common Equity

Dodd-Frank Act

 

The Dodd-Frank Wall Street Reform and Consumer Protection Act

 

MBS

 

Mortgage Backed Securities

 

TDR

 

Troubled Debt Restructuring

DTA

 

Deferred Tax Asset

 

MSA

 

Metropolitan Statistical Area

 

TPS

 

Trust Preferred Securities

DTL

 

Deferred Tax Liability

 

MSRs

 

Mortgage Servicing Rights

 

VA

 

U.S. Department of Veterans Affairs

DCF

 

Discounted Cash Flow

 

NASDAQ

 

The NASDAQ Stock Market, LLC

 

WM&T

 

Wealth Management and Trust

EPS

 

Earnings Per Share

 

NCI

 

Non-controlling interest

       

 

 

 

PART I FINANCIAL INFORMATION

 

Item 1. Financial Statements

 

CONDENSED CONSOLIDATED BALANCE SHEETS

 

September 30, 2022 (unaudited) and December 31, 2021 (in thousands, except share data)

 

  

September 30,

  

December 31,

 
  

2022

  

2021

 

Assets

        

Cash and due from banks

 $93,948  $62,304 

Federal funds sold and interest bearing due from banks

  235,973   898,888 

Total cash and cash equivalents

  329,921   961,192 
         

Mortgage loans held for sale, at fair value

  5,230   8,614 

Available for sale debt securities (amortized cost of $1,317,163 in 2022 and $1,190,379 in 2021, respectively)

  1,149,173   1,180,298 

Held to maturity debt securities (fair value of $433,371 in 2022 and $0 in 2021, respectively)

  478,125    

Federal Home Loan Bank stock, at cost

  10,928   9,376 

Loans

  5,072,877   4,169,303 

Allowance for credit losses on loans

  70,083   53,898 

Net loans

  5,002,794   4,115,405 
         

Premises and equipment, net

  98,744   76,894 

Premises held for sale

  10,355    

Bank owned life insurance

  84,129   53,073 

Accrued interest receivable

  17,568   13,745 

Goodwill

  202,524   135,830 

Core deposit intangibles

  15,914   5,596 

Customer list intangibles

  12,833    

Other assets

  135,972   86,002 

Total assets

 $7,554,210  $6,646,025 
         

Liabilities

        

Deposits:

        

Non-interest bearing

 $2,200,041  $1,755,754 

Interest bearing

  4,300,732   4,031,760 

Total deposits

  6,500,773   5,787,514 
         

Securities sold under agreements to repurchase

  124,567   75,466 

Federal funds purchased

  8,970   10,374 

Subordinated debentures

  26,244    

Accrued interest payable

  401   300 

Other liabilities

  162,506   96,502 

Total liabilities

  6,823,461   5,970,156 
         

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 29,242,000 and 26,596,000 shares in 2022 and 2021, respectively

  58,311   49,501 

Additional paid-in capital

  376,091   243,107 

Retained earnings

  421,269   391,201 

Accumulated other comprehensive loss

  (127,917)  (7,940)

Total stockholders equity

  727,754   675,869 

Non-controlling interest

  2,995    

Total equity

  730,749   675,869 

Total liabilities and equity

 $7,554,210  $6,646,025 

 

See accompanying notes to unaudited condensed consolidated financial statements.

  

 

 

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (unaudited)

For the three and nine months ended September 30, 2022 and 2021 (in thousands, except per share data)

 

  

Three months ended

  

Nine months ended

 
  

September 30,

  

September 30,

 
  

2022

  

2021

  

2022

  

2021

 

Interest income

                

Loans, including fees

 $56,750  $43,307  $152,105  $120,402 

Federal funds sold and interest bearing due from banks

  2,450   208   3,845   358 

Mortgage loans held for sale

  103   53   177   175 

Federal Home Loan Bank stock

  172   83   328   204 

Investment securities:

                

Taxable

  7,503   3,206   18,988   8,245 

Tax-exempt

  432   91   1,059   184 

Total interest income

  67,410   46,948   176,502   129,568 

Interest expense

                

Deposits

  4,449   1,403   7,390   4,348 

Securities sold under agreements to repurchase

  176   6   250   16 

Federal funds purchased and other short-term borrowings

  50   5   72   11 

Subordinated debentures

  359      670    

Federal Home Loan Bank advances

     51      301 

Total interest expense

  5,034   1,465   8,382   4,676 

Net interest income

  62,376   45,483   168,120   124,892 

Provision for credit losses

  4,803   (1,525)  6,882   1,147 

Net interest income after credit loss expense

  57,573   47,008   161,238   123,745 

Non-interest income

                

Wealth management and trust services

  9,152   7,128   26,890   20,234 

Deposit service charges

  2,179   1,768   6,103   3,945 

Debit and credit card income

  4,710   3,887   13,577   9,444 

Treasury management fees

  2,221   1,771   6,312   5,041 

Mortgage banking income

  703   915   3,001   3,662 

Net investment product sales commissions and fees

  892   780   2,230   1,789 

Bank owned life insurance

  516   275   1,052   642 

Gain (loss) on sale of premises and equipment

  3,074      3,074   (41)