Regulation F

We are pleased to report that Stock Yards Bank & Trust Company continues to exceed the criteria Regulation F defines for a “well capitalized” bank.

                                              Regulation F Criteria:
          Category                             Minimum                     Stock Yards Bank
                                                      Criteria                            (12/31/2012)

Leverage Ratio                                     5%                                      10.79%

Tier 1 Risk – Based Capital                   6%                                     13.17%

Total Risk – Based Capital                   10%                                    14.42%