Farmers Capital Bank Corporation is a bank holding company with four wholly owned bank subsidiaries. The Company provides a range of financial services through a network of around 36 locations in 23 communities throughout Central and Northern Kentucky 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. The Company also offers other services, including cash management services, issuing letters of credit, safe deposit box rental and providing funds transfer services. The Company's four bank subsidiaries include Farmers Bank & Capital Trust Company (Farmers Bank), United Bank & Trust Company (United Bank), First Citizens Bank (First Citizens)and Citizens Bank of Northern Kentucky, Inc. (Citizens Northern).