SYBT 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-05-05

• Total loans increased $580 million, or 9%, compared to March 31, 2025, with growth driven by increases from virtually every loan segment and led by the CRE and C&I categories. Average loans increased $520 million, or 8%, for the three months ended March 31, 2026 compared to the same period of the pr…

• Bancorp’s ACL on loans increased $4.8 million, or 5%, compared to March 31, 2025. The increase over the past 12 months was attributed to strong loan growth, which was only partially offset by an improved unemployment forecast and a decline in specific reserves.

• Deposit balances increased $463 million, or 6%, compared to March 31, 2025, which was driven by interest bearing demand and time deposit growth, the latter of which was attributed to the success of the prior year’s promotional CD offerings.

• Interest income experienced a $6.5 million, or 6%, increase over this period as a result of strong average loan growth, which was coupled with a $1.4 million, or 3%, decrease in interest expense stemming from an inflow of liquidity that eliminated the need for more expensive overnight borrowings tha…

• NIM increased 19 bps to 3.65% for the three months ended March 31, 2026, compared to the same period of the prior year despite several rate reductions implemented by the FRB in the latter part of 2025, attributed to a 24 bp decline in the cost of interest-bearing liabilities and the scheduled maturi…

相对上期删除的文字 · 来源:10-Q · 2025-11-05

• As a result of its acquisition of Kentucky Bancshares, Inc. on May 31, 2021, Bancorp became the 100% successor owner of a Nevada-based insurance captive taxed under Section 831(b) of the Internal Revenue Code. On April 10, 2023, the IRS issued a proposed regulation that would potentially classify se…

• Total loans increased $651 million, or 10%, compared to September 30, 2024, attributed largely to growth in the CRE segment, with the residential real estate, C&I lines of credit and C&D segments also experiencing solid growth. Average loans increased $699 million, or 11%, for the three months ended…

• Bancorp’s ACL on loans increased $6.8 million, or 8%, compared to September 30, 2024. The increase over the past 12 months was attributed to significant loan growth, changes within the FRB’s national unemployment forecast and increased specific reserves, which were only partially offset by annual CE…

• Deposit balances increased $918 million, or 14%, compared to September 30, 2024, driven most notably by growth in time deposits tied to the success of competitive CD offerings.

• Interest income experienced a $14.5 million, or 14%, increase over this period as a result of significant average earning asset growth, far surpassing the $2.5 million, or 6%, increase in interest expense driven entirely by interest-bearing deposit growth.