Farmers Capital Bank Corporation is a bank holding company with four bank subsidiaries. The Company�s subsidiaries provide a range of banking and bank-related services to customers throughout Central and Northern Kentucky. The Company provides a range of financial services at its 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. All loans and leases are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. Other services provided by the Company include, but are not limited to, cash management services, issuing letters of credit, safe deposit box rental, and providing funds transfer services.