Farmers Capital Bank

Farmers Capital Bank Corporation is a financial holding company operating through its subsidiaries: Farmers Bank, United Bank, First Citizens, and Citizens Northern. The company provides a range of financial services to individual, business, agriculture, government, and educational customers. Its primary deposit products are checking, savings, and term certificate accounts. Its primary lending products are residential mortgage, commercial lending, and consumer installment loans. Other services provided by the company include, cash management services, issuing letters of credit, safe deposit box rental, and providing funds transfer services. It has minor amounts of other financial instruments, including deposit accounts in other financial institutions and federal funds sold, neither of which represent a potential concentration of credit risk.