Stock Yards Bank & Trust Company Mortgage Rates, Fees & Info

Louisville, KY

LEI: 4LJGQ9KJ9S0CP4B1FY29

Tax ID: 61-0354170

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Stock Yards Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Stock Yards Bank & Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Louisville, Indianapolis, Cincinnati, Crestview, and San Antonio among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Stock Yards Bank & Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Stock Yards Bank & Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 5.76% 12/16/24
    30 Year Conventional Refi 6.15% 12/16/24
    30 Year Cash-out Refi 6.70% 12/16/24
    30 Year FHA Purchase 7.41% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 6.32% 12/16/24
    30 Year USDA Purchase 6.60% 12/16/24
    15 Year Conventional Purchase 5.93% 12/16/24
    15 Year Conventional Refi 6.22% 12/16/24
    15 Year Cash-out Refi 6.22% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Stock Yards Bank & Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Stock Yards Bank & Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,242

    Origination Dollar Volume (All Markets)

    $247,920,000

    Employee count

    591 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LOUISVILLE, KY (FHA|USDA|VA) 1,003 $150,195,000 $149,746 $2,570 4.93%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 64 $30,540,000 $477,188 $2,022 4.85%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 79 $23,635,000 $299,177 $2,649 4.82%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $8,855,000 $2,951,667 $0 5.15%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $5,010,000 $2,505,000 $0 4.88%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $4,285,000 $4,285,000 $0 5.38%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $0 4.75%
    MODESTO, CA (FHA|USDA|VA) 1 $2,855,000 $2,855,000 $0 5.00%
    Outside of Metro Areas 12 $2,380,000 $198,333 $2,448 5.20%
    Bardstown, KY (FHA|USDA|VA) 13 $2,005,000 $154,231 $2,926 4.76%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 9 $1,825,000 $202,778 $2,612 4.54%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $1,780,000 $890,000 $0 5.66%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $1,710,000 $855,000 $9,352 5.38%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 5.00%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $885,000 $885,000 $0 4.25%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $825,000 $275,000 $3,208 5.13%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 6 $670,000 $111,667 $2,815 4.21%
    Scottsburg, IN (FHA|USDA|VA) 9 $565,000 $62,778 $2,041 4.89%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $555,000 $555,000 $0 4.75%
    Campbellsville, KY (FHA|USDA|VA) 3 $505,000 $168,333 $2,005 5.29%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,786 4.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $450,000 $225,000 $0 5.00%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $325,000 $325,000 $1,959 4.88%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $295,000 $295,000 $2,730 5.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.25%
    Statesboro, GA (FHA|USDA|VA) 1 $235,000 $235,000 $6,598 4.50%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,288 4.75%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $215,000 $215,000 $1,765 4.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.25%
    Warsaw, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,696 4.75%
    WICHITA, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,013 4.88%
    Glasgow, KY (FHA|USDA|VA) 2 $170,000 $85,000 $2,387 4.69%
    Madison, IN (FHA|USDA|VA) 2 $150,000 $75,000 $1,800 4.69%
    Oneonta, NY (FHA|USDA|VA) 1 $145,000 $145,000 $3,090 4.63%
    Bellefontaine, OH (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.50%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.75%
    Frankfort, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,138 4.25%
    KOKOMO, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.67%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $95,000 $95,000 $2,156 4.63%
    Mayfield, KY (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.75%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $65,000 $65,000 $1,990 4.50%
    Seymour, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.75%
    Stock Yards Bank & Trust Company's top markets include Louisville, Indianapolis, Cincinnati, Crestview, and San Antonio among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Stock Yards Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Town Square Bank
    Similarity Rank: 90
    MIAMI UNIVERSITY COMMUNITY
    Similarity Rank: 120
    The Peoples Bank
    Similarity Rank: 120
    The Cecilian Bank
    Similarity Rank: 135
    CINCINNATI OHIO POLICE
    Similarity Rank: 172
    City National Bank of West Virginia
    Similarity Rank: 190
    Greenfield Banking Company
    Similarity Rank: 255
    Peoples Exchange Bank
    Similarity Rank: 315
    Bank of Lexington, Inc.
    Similarity Rank: 324
    RIVER VALLEY CREDIT UNION, INC.
    Similarity Rank: 324

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 595 $173,125,000 $290,966 $2,292 4.94%
    HELOC 591 $65,255,000 $110,415 n/a 4.92%
    FHA 36 $5,500,000 $152,778 $4,666 4.63%
    VA 13 $3,195,000 $245,769 $6,127 4.27%
    USDA 7 $845,000 $120,714 $3,268 4.54%

    For 2018, Stock Yards Bank & Trust Company's most frequently originated type of loan was Conventional, with 595 originations. Their 2nd most popular type was HELOC, with 591 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 495 $144,515,000 $291,949 $2,670 4.88%
    Refi 331 $63,895,000 $193,036 $2,332 4.93%
    Home Improvement 183 $16,065,000 $87,787 $1,636 5.05%
    Other 173 $14,175,000 $81,936 $1,978 4.84%
    Cash Out Refi 60 $9,270,000 $154,500 $2,386 4.80%

    For 2018, Stock Yards Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 495 originations. The 2nd most popular reason was Refi, with 331 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 606 $67,860,000 $111,980 $779 4.89%
    30 Year 415 $79,155,000 $190,735 $2,748 4.81%
    5 Year 89 $46,695,000 $524,663 $0 5.45%
    15 Year 37 $6,615,000 $178,784 $2,184 4.36%
    Other 35 $24,335,000 $695,286 $3,815 5.26%
    1 Year 23 $5,735,000 $249,348 $1,974 5.48%
    20 Year 20 $3,240,000 $162,000 $1,990 4.65%
    3 Year 15 $13,495,000 $899,667 $0 5.59%
    30+ year 2 $790,000 $395,000 $7,993 5.63%

    For 2018, Stock Yards Bank & Trust Company's most frequently cited loan duration was 10 Year, with 606 originations. The 2nd most popular length was 30 Year, with 415 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 481 $90,405,000 $187,952
    $1k-2k 14 $3,670,000 $262,143
    $4k-5k 3 $895,000 $298,333
    $5k+ 2 $1,440,000 $720,000
    $2k-3k 1 $185,000 $185,000
    $3k-4k 1 $335,000 $335,000

    Stock Yards Bank & Trust Company's average total fees were $2,748, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 481 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 707 $138,605,000 $196,047
    5-6% 423 $92,545,000 $218,783
    <2.5% 37 $2,635,000 $71,216
    3-4% 32 $11,070,000 $345,938
    6-7% 24 $2,460,000 $102,500
    7-8% 2 $350,000 $175,000

    During 2018, Stock Yards Bank & Trust Company's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 4-5%, with 707 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 548 $27,240,000 $49,708 $1,678 4.96%
    $100k-200k 386 $53,910,000 $139,663 $2,519 4.91%
    $200k-400k 212 $56,840,000 $268,113 $3,071 4.79%
    $400k-600k 50 $23,320,000 $466,400 $3,623 4.90%
    $1MM+ 29 $74,205,000 $2,558,793 $7,203 5.09%
    $600k-1MM 17 $12,405,000 $729,706 $3,369 4.61%

    2018 saw Stock Yards Bank & Trust Company place emphasis on $100,000 or less loans with 548 originations, totaling $27,240,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 253 $28,415,000 $112,312 $2,396 4.90%
    $50k or less 251 $20,315,000 $80,936 $2,281 4.85%
    $100k-150k 192 $27,750,000 $144,531 $2,867 4.84%
    $75k-100k 156 $19,340,000 $123,974 $2,978 4.84%
    $150k-250k 140 $23,770,000 $169,786 $2,645 4.87%
    $250k+ 138 $42,940,000 $311,159 $3,079 4.85%

    Stock Yards Bank & Trust Company lent most frequently to those with incomes in the $50k-75k range, with 253 originations. The second most popular income band? $50k or less, with 251 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 283 $41,725,000 $147,438 $2,538 4.81%
    <20% 269 $36,205,000 $134,591 $2,359 4.86%
    30-36% 184 $27,540,000 $149,674 $2,479 4.88%
    38% 43 $5,575,000 $129,651 $2,477 4.90%
    36% 40 $5,420,000 $135,500 $2,166 4.99%
    39% 39 $3,815,000 $97,821 $2,801 4.92%
    37% 34 $3,820,000 $112,353 $2,138 5.07%
    43% 31 $5,095,000 $164,355 $2,927 4.70%
    40% 31 $4,295,000 $138,548 $2,120 4.76%
    41% 28 $4,550,000 $162,500 $2,817 4.84%
    49% 22 $3,430,000 $155,909 $3,081 4.92%
    44% 20 $2,250,000 $112,500 $2,178 4.59%
    47% 20 $3,120,000 $156,000 $2,735 4.82%
    42% 16 $2,060,000 $128,750 $2,565 4.95%
    46% 15 $2,705,000 $180,333 $3,298 4.89%
    48% 15 $2,765,000 $184,333 $2,937 4.86%
    45% 10 $1,050,000 $105,000 $2,336 4.95%
    50-60% 9 $1,765,000 $196,111 $4,259 4.57%
    >60% 9 $2,945,000 $327,222 $3,546 4.82%

    Stock Yards Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 283 originations. The next most common DTI ratio? <20%, with 269 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,019 $145,035,000 $142,331 $2,602 4.86%
    Not applicable 109 $84,525,000 $775,459 $4,718 5.39%
    Not provided 66 $9,670,000 $146,515 $2,245 4.98%
    Asian 25 $5,915,000 $236,600 $2,543 4.86%
    Black 16 $1,790,000 $111,875 $2,378 4.92%
    Asian Indian 3 $475,000 $158,333 $1,772 4.33%
    Vietnamese 1 $325,000 $325,000 $0 4.80%
    Other Asian 2 $110,000 $55,000 $2,471 4.69%
    American Indian 1 $75,000 $75,000 $2,040 5.25%

    Approval Rates

    Total approvals of all applications
    83.84%

    Stock Yards Bank & Trust Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    79.07%

    Stock Yards Bank & Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    76.0 17 $255,000 $15,000
    NA 1,225 $247,665,000 $202,176

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $3,605,000 $3,605,000
    Multifamily:Site-Built 39 $53,805,000 $1,379,615
    Single Family (1-4 Units):Manufactured 8 $490,000 $61,250
    Single Family (1-4 Units):Site-Built 1,194 $190,020,000 $159,146

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 256 $30,080,000 $117,500 $1,996 4.89%
    40-60% 137 $29,765,000 $217,263 $2,404 4.94%
    60-80% 267 $96,695,000 $362,154 $2,513 4.97%
    80-100% 283 $73,205,000 $258,675 $2,853 4.83%
    Over 100% 5 $1,025,000 $205,000 $6,238 4.73%
    Under 20% 290 $14,340,000 $49,448 $437 4.95%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    South Carolina State Housing Finance and Development Authority Conventional home mortgage Struggling to pay mortgage 2 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Stock Yards Bank & Trust Company 10000 Will Way Louisville, KY 40291 Full Service B&M $38,857
    Stock Yards Bank & Trust Company 101 West Fourth Street Cincinnati, OH 45202 Full Service Retail $29,237
    Stock Yards Bank & Trust Company 1040 East Main Street Louisville, KY 40206 Full Service B&M $736,613
    Stock Yards Bank & Trust Company 11450 N. Meridian Street Carmel, IN 46032 Full Service Retail $49,533
    Stock Yards Bank & Trust Company 11751 Bluegrass Parkway Louisville, KY 40299 Full Service B&M $43,186
    Stock Yards Bank & Trust Company 11800 Shelbyville Road Louisville, KY 40243 Full Service B&M $134,877
    Stock Yards Bank & Trust Company 12889 W. Hwy 42 Prospect, KY 40059 Full Service B&M $35,240
    Stock Yards Bank & Trust Company 12900 Factory Lane Louisville, KY 40245 Full Service B&M $17,226
    Stock Yards Bank & Trust Company 183 Adam Shepherd Parkway Shepherdsville, KY 40165 Full Service B&M $87,555
    Stock Yards Bank & Trust Company 201 N Illinois Street, Suite 100 Indianapolis, IN 46204 Full Service B&M $26,746
    Stock Yards Bank & Trust Company 214 South Fifth Street Louisville, KY 40202 Full Service B&M $85,568
    Stock Yards Bank & Trust Company 227 East Highway 131 Clarksville, IN 47129 Full Service B&M $33,893
    Stock Yards Bank & Trust Company 2292 Bardstown Road Louisville, KY 40205 Full Service B&M $37,664
    Stock Yards Bank & Trust Company 2635 Alexandria Pike Highland Heights, KY 41076 Full Service B&M $13,678
    Stock Yards Bank & Trust Company 2710 West Broadway Louisville, KY 40211 Full Service B&M $3,602
    Stock Yards Bank & Trust Company 275 Highway 31 North Austin, IN 47102 Full Service B&M $18,782
    Stock Yards Bank & Trust Company 2811 South Hurstbourne Parkway Louisville, KY 40220 Full Service B&M $73,841
    Stock Yards Bank & Trust Company 2860 Charlestown Road New Albany, IN 47150 Full Service B&M $70,427
    Stock Yards Bank & Trust Company 3063 Breckinridge Lane Louisville, KY 40220 Full Service B&M $37,082
    Stock Yards Bank & Trust Company 3230 East Highway 62 Jeffersonville, IN 47130 Full Service B&M $30,203
    Stock Yards Bank & Trust Company 3794 Lexington Road Louisville, KY 40207 Full Service B&M $144,451
    Stock Yards Bank & Trust Company 3880 Paxton Road Cincinnati, OH 45209 Full Service B&M $21,783
    Stock Yards Bank & Trust Company 4016 Poplar Level Road Louisville, KY 40213 Full Service B&M $99,181
    Stock Yards Bank & Trust Company 4098 Dutchmans Lane Louisville, KY 40207 Full Service B&M $23,752
    Stock Yards Bank & Trust Company 4537 Outer Loop Louisville, KY 40219 Full Service B&M $57,854
    Stock Yards Bank & Trust Company 4640 Southern Pkwy Louisville, KY 40214 Full Service B&M $32,324
    Stock Yards Bank & Trust Company 4790 Houston Road Florence, KY 41042 Full Service B&M $19,442
    Stock Yards Bank & Trust Company 4800 Brownsboro Road Louisville, KY 40207 Full Service B&M $60,007
    Stock Yards Bank & Trust Company 5026 Mud Lane Louisville, KY 40229 Full Service B&M $36,441
    Stock Yards Bank & Trust Company 515 South First Street Lagrange, KY 40031 Full Service B&M $107,968
    Stock Yards Bank & Trust Company 5220 Dixie Highway Louisville, KY 40216 Full Service B&M $75,787
    Stock Yards Bank & Trust Company 6317 West Highway 146 Crestwood, KY 40014 Full Service B&M $55,145
    Stock Yards Bank & Trust Company 6840 Lake Plaza Drive Indianapolis, IN 46220 Full Service B&M $21,383
    Stock Yards Bank & Trust Company 7124 Miami Avenue Madeira, OH 45243 Full Service B&M $48,260
    Stock Yards Bank & Trust Company 7915-A South Emerson Avenue Indianapolis, IN 46237 Full Service B&M $8,256
    Stock Yards Bank & Trust Company 9201 U.S. Highway 42 Prospect, KY 40059 Full Service B&M $45,524
    Stock Yards Bank & Trust Company 9400 Brownsboro Road Louisville, KY 40241 Full Service B&M $87,491

    For 2018, Stock Yards Bank & Trust Company had 37 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $129,659
    Net interest income $114,302
    Total noninterest income $46,187
    Gross Fiduciary activities income $21,483
    Service charges on deposit accounts $9,005
    Trading account gains and fees $0
    Additional Noninterest Income $15,699
    Pre-tax net operating income $72,355
    Securities gains (or losses, -) $-1
    Income before extraordinary items $58,610
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $58,610
    Minority interest net income $0
    Net income $58,610
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $58,610

    Stock Yards Bank & Trust Company's gross interest income from loans was $129,659,000.
    Stock Yards Bank & Trust Company's net interest income from loans was $114,302,000.
    Stock Yards Bank & Trust Company's fee based income from loans was $9,005,000.
    Stock Yards Bank & Trust Company's net income from loans was $58,610,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,357
    Provision for credit losses $2,705
    Total noninterest expense $85,429
    Salaries and employee benefits $52,453
    Premises and equipment expense $8,861
    Additional noninterest expense $24,115
    Applicable income taxes $13,744
    Net charge-offs $2,056
    Cash dividends $21,403

    Stock Yards Bank & Trust Company's interest expense for loans was $15,357,000.
    Stock Yards Bank & Trust Company's payroll and benefits expense were $52,453,000.
    Stock Yards Bank & Trust Company's property, plant and equipment expenses $8,861,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,802,027
    Deposits held in domestic offices $2,802,027
    Deposits by Individuals, partnerships, and corporations $2,605,239
    Deposits by U.S. Government $349
    Deposits by States and political subdivisions in the U.S. $189,551
    Deposits by Commercial banks and other depository institutions in U.S. $6,889
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $226,586
    Demand deposits $103,868
    Nontransaction accounts $2,575,442
    Money market deposit accounts (MMDAs) $2,073,637
    Other savings deposits (excluding MMDAs) $155,089
    Total time deposits $346,715
    Total time and savings deposits $2,698,160
    Noninterest-bearing deposits $718,694
    Interest-bearing deposits $2,083,333
    Retail deposits $2,718,338
    IRAs and Keogh plan accounts $46,752
    Brokered deposits $29,757
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,301,156
    Cash & Balances due from depository institutions $197,375
    Interest-bearing balances $145,483
    Total securities $436,995
    Federal funds sold & reverse repurchase $1,564
    Net loans and leases $2,524,327
    Loan and leases loss allowance $25,534
    Trading account assets $0
    Bank premises and fixed assets $44,764
    Other real estate owned $1,018
    Goodwill and other intangibles $2,761
    All other assets $92,352

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,301,156
    Total Liabilities $2,945,037
    Total deposits $2,802,027
    Interest-bearing deposits $2,083,333
    Deposits held in domestic offices $2,802,027
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $46,341
    Trading liabilities $0
    Other borrowed funds $58,652
    Subordinated debt $0
    All other liabilities $38,017

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,524,327
    Loan and leases loss allowance $25,534
    Total loans and leases (domestic) $2,549,861
    All real estate loans $1,653,881
    Real estate loans in domestic offices $1,653,881
    Construction and development loans $252,610
    Residential 1-4 family construction $12,495
    Other construction, all land development and other land $240,115
    Loans secured by nonfarm nonresidential properties $887,413
    Nonfarm nonresidential secured by owner-occupied properties $411,990
    Commercial real estate & other non-farm, non-residential $475,423
    Multifamily residential real estate $113,187
    1-4 family residential loans $398,139
    Farmland loans $2,532
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $768,863
    To non-U.S. addressees $0
    Loans to individuals $48,058
    Credit card loans $0
    Related Plans $30,827
    Consumer Auto Loans $1,408
    Other loans to individuals $15,823
    All other loans & leases $79,059
    Loans to foreign governments and official institutions $0
    Other loans $30,680
    Loans to depository institutions and acceptances of other banks $10,475
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $42
    Non 1-4 family restructured loans & leases $28
    Total loans and leases (foreign) $0

    Stock Yards Bank & Trust Company had $2,524,327,000 of loans outstanding in 2018. $1,653,881,000 of loans were in real estate loans. $252,610,000 of loans were in development loans. $113,187,000 of loans were in multifamily mortgage loans. $398,139,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,408,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,155 $296,446 $256,663
    Nonfarm, nonresidential loans - <$100k 178 $8,610 $48,371
    Nonfarm, nonresidential loans - $100-250k 371 $50,979 $137,410
    Nonfarm, nonresidential loans - $250k-1MM 606 $236,857 $390,853
    Commercial & Industrial, US addressed loans - <$1MM 1,866 $245,748 $131,698
    Commercial & Industrial, US addressed loans - <$100k 925 $31,118 $33,641
    Commercial & Industrial, US addressed loans - $100-250k 463 $52,528 $113,451
    Commercial & Industrial, US addressed loans - $250k-1MM 478 $162,102 $339,126
    Farmland loans - <$1MM 12 $961 $80,083
    Farmland loans - <$100k 3 $117 $39,000
    Farmland loans - $100-250k 8 $687 $85,875
    Farmland loans - $250k-1MM 1 $157 $157,000