Call reports 2004
STOCK YARDS BANK & TRUST COMPANY — 2004
What STOCK YARDS BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,129,293,000 | 1,122,308,000 | 1,186,584,000 | 1,205,227,000 |
| Total loans | 899,711,000 | 901,495,000 | 935,990,000 | 990,370,000 |
| Allowance for loan losses | 12,084,000 | 12,606,000 | 12,483,000 | 12,521,000 |
| Securities available for sale | 149,846,000 | 146,188,000 | 152,527,000 | 124,182,000 |
| Securities held to maturity | 5,580,000 | 5,503,000 | 5,390,000 | 5,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 890,221,000 | 870,535,000 | 924,391,000 | 952,354,000 |
| Interest-bearing deposits | 716,147,000 | 712,282,000 | 757,092,000 | 768,154,000 |
| Noninterest-bearing deposits | 174,074,000 | 158,253,000 | 167,299,000 | 184,200,000 |
| Equity capital | 116,033,000 | 116,249,000 | 121,727,000 | 124,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 14,783,000 | 29,512,000 | 44,625,000 | 60,514,000 |
| Interest expense | 3,377,000 | 6,609,000 | 10,338,000 | 14,464,000 |
| Net interest income | 11,406,000 | 22,903,000 | 34,287,000 | 46,050,000 |
| Noninterest income | 5,830,000 | 12,513,000 | 18,814,000 | 25,021,000 |
| Noninterest expense | 9,648,000 | 19,722,000 | 29,457,000 | 39,181,000 |
| Provision for loan losses | 500,000 | 1,310,000 | 1,490,000 | 2,090,000 |
| Pretax income | 7,088,000 | 14,384,000 | 22,154,000 | 29,800,000 |
| Income tax | 2,283,000 | 4,647,000 | 7,128,000 | 9,533,000 |
| Net income | 4,805,000 | 9,737,000 | 15,026,000 | 20,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,019,000 | 116,121,000 | 119,573,000 | 123,260,000 |
| Total capital | 124,198,000 | 127,450,000 | 131,600,000 | 135,748,000 |
| Risk-weighted assets | 878,827,000 | 890,475,000 | 947,124,000 | 984,447,000 |
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