STOCK YARDS BANCORP, INC.

SYBT ·Financial, Banks - Regional, United States

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Profit Margins

Gross Margin Operating Margin Net Margin

Period	Gross Margin	Operating Margin	Net Margin
Mar 2010	—	52.5%	21.0%
Jun 2010	—	51.5%	22.7%
Sep 2010	—	53.7%	25.0%
Dec 2010	—	46.6%	22.5%
Mar 2011	—	46.1%	21.7%
Jun 2011	—	48.1%	23.3%
Sep 2011	—	47.1%	22.5%
Dec 2011	—	40.3%	23.3%
Mar 2012	—	44.1%	23.4%
Jun 2012	—	42.3%	22.1%
Sep 2012	—	41.9%	23.4%
Dec 2012	—	44.0%	22.9%
Mar 2013	—	43.9%	24.4%
Jun 2013	—	39.1%	21.9%
Sep 2013	—	43.9%	25.9%
Dec 2013	—	36.8%	21.3%
Mar 2014	—	44.4%	27.5%
Jun 2014	—	42.4%	26.2%
Sep 2014	—	51.0%	31.7%
Dec 2014	—	42.5%	27.9%
Mar 2015	—	47.1%	29.6%
Jun 2015	—	44.8%	28.1%
Sep 2015	—	46.3%	29.0%
Dec 2015	—	45.7%	29.3%
Mar 2016	—	44.1%	29.4%
Jun 2016	—	43.4%	29.2%
Sep 2016	—	43.2%	29.1%
Dec 2016	—	43.9%	29.3%
Mar 2017	—	42.9%	30.1%
Jun 2017	—	45.5%	28.8%
Sep 2017	—	47.8%	31.5%
Dec 2017	—	32.7%	12.9%
Mar 2018	—	343.5%	243.7%
Jun 2018	—	375.5%	254.1%
Sep 2018	—	407.6%	257.9%
Dec 2018	—	53.2%	35.4%
Mar 2019	—	420.2%	287.6%
Jun 2019	—	419.8%	292.2%
Sep 2019	—	469.2%	300.3%
Dec 2019	—	53.9%	36.4%
Mar 2020	—	320.3%	212.8%
Jun 2020	—	326.5%	233.5%
Sep 2020	—	328.3%	256.9%
Dec 2020	—	45.1%	35.5%
Mar 2021	—	478.0%	363.5%
Jun 2021	—	95.7%	61.0%
Sep 2021	—	50.0%	36.7%
Dec 2021	—	51.6%	38.0%
Mar 2022	—	15.6%	11.7%
Jun 2022	—	46.3%	34.1%
Sep 2022	—	48.8%	32.7%
Dec 2022	—	55.4%	33.8%
Mar 2023	—	62.9%	34.1%
Jun 2023	—	69.0%	33.0%
Sep 2023	—	74.0%	32.2%
Mar 2024	—	83.3%	31.1%
Jun 2024	—	41.2%	32.2%
Sep 2024	—	41.2%	32.7%
Mar 2025	—	44.5%	35.6%
Jun 2025	—	43.9%	34.8%
Sep 2025	—	45.0%	35.7%
Mar 2026	—	44.8%	35.5%
Jun 2026	—	44.3%	35.0%