Institution Statistics
| Stock Yards Bank & Trust Company | | FDIC Certificate # | 258 | | BankRate Report | View | | Year Established | 1904 | | Employees | 480 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $2.03 billion | | Loans | $1.51 billion | | Deposits | $1.65 billion | | Equity Capital | $192.78 million | | Loan Loss Allowance | $31.21 million | | Unbacked Noncurrent Loans | $23.24 million | | Real Estate Owned | $8.55 million |
Historic Data - March 2011 | | Assets | $1.91 billion | | Equity Capital | $163.36 million | | Loan Loss Allowance | $26.96 million | | Unbacked Noncurrent Loans | $14.69 million | | Real Estate Owned | $9.14 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.09% | | Return on Assets | 1.34% | | Return on Equity | 14.39% | | Interest Income | $21.77 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Stock Yards Bank & Trust Company had $31.79 million in non-current loans and owned real-estate with $223.99 million in equity and loan loss allowances on hand to cover it. This gives Stock Yards Bank & Trust Company a Texas Ratio of 14.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Stock Yards Bank & Trust Company held steady from 12.52% as of March 31, 2011 to 14.19% as of March 31, 2012, resulting in a negative change of 13.33%. This indicates that the balance sheet and financial strength for Stock Yards Bank & Trust Company has held steady in recent periods. | | Deposit Growth |  | | In the past year, Stock Yards Bank & Trust Company has increased its total deposits by $103.51 million, resulting in 6.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Stock Yards Bank & Trust Company has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Stock Yards Bank & Trust Company has $2.03 billion in assets with $223.99 million in equity, resulting in a capitalization level of 11.02%, which is above average. |
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