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Farmers Capital Bank Corporation 2012 Annual Report Board of Directors from Left to Right: Marvin E

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Farmers Capital Bank Corporation 2012 Annual Report Board of Directors from Left to Right: Marvin E Farmers Capital Bank Corporation 2012 Annual Report Board of Directors From left to right: Marvin E. Strong, Jr.; Michael J. Crawford; Fred N. Parker, CPA; E. Bruce Dungan; R. Terry Bennett; David R. O’Bryan, CPA; Shelley S. Sweeney; Dr. William C. Nash; Lloyd C. Hillard, Jr.; J. Barry Banker; David Young Phelps; Dr. John P. Stewart; Fred Sutterlin; and John R. Farris. Officers Lloyd C. Hillard, Jr. Janelda R. Mitchell President and CEO Vice President, Marketing C. Douglas Carpenter John L. Pendergrass Executive Vice President, Vice President, Special Assets Manager Chief Financial Officer and Secretary Shannon L. Harris, SPHR Paul A. Edwards Assistant Vice President, Executive Vice President, Human Resources Chief Credit Officer Jeffrey Smith Linda L. Faulconer, SPHR Assistant Vice President, Senior Vice President, Human Resources Human Resources J. Bradford Southworth Erica N. Galyon Assistant Vice President, Internal Audit Senior Vice President, General Counsel, Secretary to the Board Hollie Still Assistant Vice President, Kaye Hall Compliance/BSA Officer Senior Vice President, Finance Teresa Tipton Mark A. Hampton, CPA Assistant Vice President, Senior Vice President, Finance Human Resources James Barsotti Vice President, Internal Audit Letter to Our Shareholders: aking aim and hitting the mark is an apt metaphor for Farmers Capital Bank Corporation in 2012. Our objective to improve our Company’s overall financial condition can be Tcompared to the art of archery – continual focus on our targets will bring us closer to the goal of sustained profitability. Net income for 2012 was $12.1 million or $1.37 per common share, an increase of $9.4 million and $1.26, respectively, compared to the prior year. This is partially due to decreases in the provision for loan losses which can be attributed to an overall improvement in the credit quality of the loan portfolio. While improved credit quality is progress, the decrease in loan balances outstanding results from the scarcity of quality loan demand throughout our markets. We will continue to search for lending opportunities to customers of exceptional caliber. This will have to be done in a very competitive market environment and with the goal of improving our margin. Also within our sights is a focus on qualified and committed leadership. Upon Frank Sower’s retirement as the Chairman, our Board of Directors elected R. Terry Bennett to the chairmanship. Mr. Bennett is an attorney in private practice and has served as a Director and Chairman of First Citizens Bank, our affiliate in Hardin County, Kentucky. He is also the former public liaison between Fort Knox, Hardin County, Kentucky for the Base Closure and Realignment Act. J. Barry Banker was also elected as our Board’s Vice Chairman. Mr. Banker has served as a Director since 1996 and is the manager of Stewart Home School, a boarding school in Frankfort, Kentucky for special needs individuals. He brings extensive financial, management, marketing, operational, and strategic planning experience to the Board. Also, elected to our Board are three new individuals who bring diverse talents to the table. Fred N. Parker, President and CEO of Kentucky River Coal Company, holds professional designations in both accounting and finance. David Y. Phelps, President and CEO of CreoSalus, is an innovator and holder of numerous patents. He is also a recipient of the Ernst & Young Entrepreneur of the Year Award. Fred Sutterlin, who has a background in law, real estate, banking and small business, is the Managing Principal and General Counsel of PRG Investments. These new leaders understand the need for persistent improvement. The senior management of our subsidiaries understands that our progress must be in constant forward motion. While we still face a challenging economic environment, we will be steadfast in our focus on reducing nonperforming assets, generating new quality loans and redeeming the preferred shares. We have more work to do. The management and staff of all of the companies of Farmers Capital Bank Corporation are committed to that work, because we know working together, we will succeed. Our promise to you is that we will continue to aim high and true. R. Terry Bennett Lloyd C. Hillard, Jr. Chairman of the Board President and CEO Farmers Bank & Capital Trust Co Frankfort, Lawrenceburg, Harrodsburg, and Danville Directors Michael Feldman Margaret Colston Chris Thompson Dr. John D. Sutterlin, Vice President, Commercial Assistant Vice President, Retail Assistant Vice President, Chairman Loans Banking Collections Officer C. Gary Adkinson Clyde P. Baldwin Sarah Gowins Karen DiRaimo Mary Lou Wallace Bruce W. Brooks Vice President, Loan Review Assistant Vice President, Trust Assistant Vice President, East Charles L. Cammack and Compliance Officer Assistant Branch Manager Ray Edelman Kristi Lay Tammy Disponett Kim Warren Michael A. Fields Vice President, Compliance Assistant Vice President, Franklin Assistant Vice President, Rickey D. Harp Square Assistant Branch Manager Danville Branch Manager Lloyd C. Hillard, Jr. Warren R. Leet Robert W. Kellerman Vice President, Loan Officer Carol Floyd Mary Jo Tracy David R. Lee Assistant Vice President, West Assistant Cashier, Internet James McGlone Barbara Markwell Park Branch Manager Banking Marvin E. Strong, Jr. Vice President, Lawrenceburg Main Office Branch Manager Libby Goodlett Jill VanHook Officers Assistant Vice President, Loan Assistant Trust Officer Rickey D. Harp Robin Miller Officer President and CEO Vice President, Assistant C. Ray Baldwin Operations Officer, Assistant Jennifer Peachee-Harris Property Management Director Elizabeth D. Hardy Bank Secrecy Officer Assistant Vice President, Executive Vice President, Marketing Teresa L. Moore Chief Operating Officer, Retail Gail Mitchell Executive Secretary Vice President, Electronic Kay Henninger Fontaine Banks, III Branch Manager Assistant Vice President, Trust Lori Newton Senior Vice President, Officer Frankfort Main Office Assistant Investments Zachary C. Moore Branch Manager Vice President, Commercial Teresa Higginbotham Gregory S. Burton Loans Assistant Vice President, Senior Vice President, Harrodsburg Assistant Branch Chief Lending Officer Wendy Napier Manager Vice President, Loan Operations L. Hobbs Cheek Melissa Johnson Senior Vice President, Chief Patricia Norris Peavler Assistant Vice President, Financial Officer Vice President, Marketing, CRA Commercial Loans Officer Farmers Capital Insurance Bruce G. Dungan Jennifer Parrish Corporation Senior Vice President, Operations Jane Sweasy Assistant Vice President, Retail Officer, Bank Secrecy Officer, Vice President, Sales and Service Banking Directors Security Officer, and Information Quality, East Branch Manager Rickey D. Harp Security Officer Amy Pierce Lloyd C. Hillard, Jr. Lynn Vann Assistant Vice President, Sue Coles, Secretary Robert Minichan Vice President, Human Resources Compliance Officer Senior Vice President, Chief Officers Credit Officer Rodney Webber Rick Pogrotsky Lloyd C. Hillard, Jr. Assistant Vice President, Vice President, Commercial Chairman Barry Norfleet Loans Business Development Officer Senior Vice President, Senior Rickey D. Harp Trust Officer and Legal Counsel Betty K. Poynter Deborah West President Vice President, Main Office Assistant Vice President, Keith Ballard Investments Branch Manager Gary Hammons Vice President, Trust Officer Vice President Anne Banks Julie Riggs Felicia Banks Assistant Vice President, Retail Assistant Vice President, Cardinal Sue Coles Vice President, Franklin Square Hills Branch Manager Banking Assistant Vice President and Branch Manager Secretary Emily Catron Teresa Salchli Robert Baughman Assistant Vice President, Assistant Vice President, West Doing Business As: Vice President, Harrodsburg Collections Manager Branch Manager Capital Insurance Group Branch Manager Farmers Title Company Bonnie S. Childs Dale Taulbee Michael Burns Assistant Vice President, Travel Assistant Vice President, Vice President, Trust Officer Coordinator Commercial Loans Samuel R. Collins, II Assistant Vice President, Credit Analyst ii United Bank & Trust Co. Georgetown, Lexington, Midway, Nicholasville, Stamping Ground, Versailles, and Wilmore Directors Bonnie Glass Stephanie Perry David R. O’Bryan, Vice President, Customer Assistant Vice President, Chairman Accounting Versailles Main Office and Robert Amburgey Locust Branch Manager William R. Baker Kimberly Thompson Hay Kenneth Brandenburgh Vice President, Loan Officer Tesha Russ Bruce W. Brooks Assistant Vice President, Loan Gary W. Gillis Elizabeth Hobbs Officer James Grubbs Vice President, Senior Lender, Jessamine County Melody Wade Lloyd C. Hillard, Jr. Assistant Vice President, Loan John Stephen Hogg, II Karen Kelly Officer Ford Phares Vice President, Loan Operations Harold Rainwater Elizabeth Waterfill Kenneth M. Sturgill Jonathan J. Martin Assistant Vice President, Midway Glenn Williams Vice President, Loan Officer Branch Manager Officers Paula M. Moran Carla Wilson James Grubbs Vice President, United Bank Assistant Vice President, President and CEO Square Branch Manager Lexington Road and Stamping Ground Branch Manager Ben F. Brown Susan D. Tackett Executive Vice President, Vice President, Loan Officer Rhonda Winters Chief Public Relations Officer Assistant Cashier, Wisteria Kyle Anderson Travel Coordinator Allison B. Burkholder Assistant Vice President, Credit Executive Vice President, Analyst Chasity Ewing Chief Operating Officer Branch Operations Manager, Kent Bridges United Bank Square Branch
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