Stock Yards Bancorp Q3 EPS $0.86, up 34% vs $0.64 YoY; record non-interest income

Stock Yards Bancorp, Inc.

2021-Q3 EPS reported $2.03

Net income $23.2M ($0.86 diluted EPS) vs $14.5M ($0.64) in Q3 2020; net interest income $45.5M (+35% YoY).
Organic loan growth ex-PPP $128M (second-largest quarter ever); total loans ex-PPP up 40% YoY including Kentucky Bancshares.
Record non-interest income $17.6M (+35% YoY); wealth management/trust $7.1M (+26%), card income +75%, treasury mgmt +29%.
Dividend raised to $0.28/share; pending Commonwealth Bancshares merger ($1.2B assets) expected to close Q4 2021.
Net benefit of $1.5M to provision for credit losses; non-performing loans only 0.13% of loans ex-PPP.

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