Farmers Capital Bank Corporation Frankfort KY

This Lloyd Hilliard, the CEO, his bank owes the tax payer $30,000,000

Why is Lloyd smirking? Because he makes $343,000 for bringing a 150 year bank to it’s knees

Lloyd you have $35,000,000 in bad loans, how are you going to pay back $30,000,000 you took from the tax payer

Lloyd also wiped out the stockholders, the P/E is 56? That is a great investment

Lloyd net income in FY11 was $842,000, at this rate, how long will it take you to pay, $30,000,000, how does eternity sound!

Take look at all the junk real estate for sale, this place likes to finance vacant land

Net income was $5MM in FY10 and ($40MM) in FY09, how is he going to pay back $30,000,00

Lloyd makes $343k a year

Farmers Capital Bank Corp. Frankfort, KY was founded in 1850.  The company accepted $30MM in tax payer funded bailout money, which it has neglected to return.  The Texas ratio is 38%.

The company has assets of $750MM and equity of $67MM

The problem loan portfolio has $5MM in loans past due 30-90 days, with $26MM on non accrual.

Though the stated equity position is $67MM, when you back out the $30MM of tax payer funding from the equity base, the actual equity is $37MM.

That leaves only $37MM supporting $31MM in problem loans.  This is not a good ratio, the remaining equity base could be quickly be negated.

Make this guy CEO, can’t be worse than Lloyd

This place could be technically insolvent.

Net income was $5MM in FY10 and ($40MM) in FY09.  It is difficult to see how the company is going to be able to pay the $30MM back.

Luckily, the executive compensation was not compromised.

Llod Hillard made   $343K

Ben Brown   made    $185K

Rickey  Harp  made   $197K

Michael Schomich made $169M

Pretty good pay for bringing a 161 year old institution to it’s knees.

The market capitalization is $39MM, 58% of book.

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Property For Sale The listed properties are for sale by Farmers Capital Bank Corporation and/or its affiliates. They are listed in alphabetical order by Kentucky county and then by other states for browsing ease. If you have interest in a particular property, please contact the person listed on that property and not the bank. Anderson County Commercial Property 222 East Woodford Street, Lawrenceburg KY Description: commercial building Price: $125,000 Contact: Greg Burton or Rick Harp, 502-227-1600 Residential Property 1268 Stoneridge Road, Rock Creek Estates, Lawrenceburg KY Description: single family residence and 3 lots-listed below Price: $249,000 Contact: Harold Reynolds, Birdwhistell Realty 502-839-3456 Residential Property Lots 52, 54, and 55 Rock Creek Estates, Lawrenceburg KY Description: residential lot #52 Contact: Harold Reynolds, Birdwhistell Realty 502-839-3456 Residential Property Description: residential lot #54 Contact: Harold Reynolds, Birdwhistell Realty 502-839-3456 Residential Property Description: residential lot #55 Contact: Harold Reynolds, Birdwhistell Realty 502-839-3456 Residential Property 2490 Glensboro Road, Lawrenceburg KY Description: single family residence Price: call for information Contact: Chris Thompson, 502-839-2600 1012 Hungry Run Road, Lawrenceburg KY Description: raw, undeveloped land Price: $28,500 Contact: Cindy Crutcher, 502-839-9822 No photo available The Links, Lawrenceburg KY Description: 4.88 acres development site Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Residential Property 1022 Bishop Street, Lawrenceburg KY Description: single family residence Price: $29,900 Contact: Conway & Lloyd, Elizabeth Lloyd 502-859-1707 Residential Property 1112 Alton Road, Lawrenceburg KY Description: single family residence Price: $82,900 Contact: Conway & Lloyd, Elizabeth Lloyd 502-859-1707 Residential Property 1128 Alton Road, Lawrenceburg KY Description: single family residence Price: $79,900 Contact: Conway & Lloyd, Elizabeth Lloyd 502-859-1707 Residential Property 1132 Alton Road, Lawrenceburg KY Description: single family residence Price: $89,900 Contact: Conway & Lloyd, Elizabeth Lloyd 502-859-1707 Residential Property 2000 Leslee Way, Lawrenceburg KY Description: single family residence Price: $157,900 Contact: Century 21, Jackie Nickell, 502-859-2125 No photo available Residential Property 2109 Lesliee Way, Lawrenceburg KY Description: residential lot Price: call for information Contact: Chris Thompson, 502-839-2600 No photo available Residential Property Silverleaf Subdivision, Lawrenceburg KY Description: 16 single family residential lots Price: call for information Contact: Chris Thompson or Randy Leet, 502-839-2600 Residential Property 203 Factory Street, Lawrenceburg KY Description: single family residence Price: call for information Contact: Emily Catron 126 Cardinal Lane, Lawrenceburg KY Description: apartment house Price: call for information Contact: Emily Catron Bullitt County Residential Property Wildwoods Subdivision, Mt. Washington KY Description: Lot #8 – 0.70 acre residential lot Price: $33,500 Contact: any First Citizens Bank lender 502-957-7550 or 270-769-2301 Residential Property Wildwoods Subdivision, Mt. Washington KY Description: Lot #19 – 0.37 acre residential lot Price: $33,500 Contact: any First Citizens Bank lender 502-957-7550 or 270-769-2301 Residential Property Wildwoods Subdivision, Mt. Washington KY Description: Lot #23 – 0.50 acre residential lot Price: $33,500 Contact: any First Citizens Bank lender 502-957-7550 or 270-769-2301 Residential Property Wildwoods Subdivision, Mt. Washington KY Description: Lot #77 – 0.58 acre residential Price: $33,500 Contact: any First Citizens Bank lender 502-957-7550 or 270-769-2301 Highway 44, Mt. Washington KY Description: development tract Price: call for information Contact: John Pendergrass, 502-227-1668 Fayette County Commercial Property 505 Wellington Way, Lexington KY Description: lot, building site Price: $523,400 Contact: Greg Erwin 859‐552‐5416 Commercial Property 519 Wellington Way, Lexington KY Description: lot, building site Price: $541,080 Contact: Greg Erwin 859‐552‐5416 Commercial Property 531 Wellington Way, Lexington KY Description: lot, building site Price: $657,470 Contact: Greg Erwin 859‐552‐5416 Commercial Property 527 Wellington Way, Lexington KY Description: lot, building site Price: $718,960 Contact: Greg Erwin 859‐552‐5416 Commercial Property 535 Wellington Way, Suite 160, Lexington KY Description: condo Price: $301,200 Contact: Greg Erwin 859‐552‐5416 Commercial Property 535 Wellington Way, Suite 280, Lexington KY Description: condo Price: $313,700 Contact: Greg Erwin 859‐552‐5416 Residential Property 1053 Kavenaugh Lane, Lexington KY Description: residential lot Price: $31,000 Contact: Keller Williams Bluegrass Realty, Kitty Lane 859-260-1444 Commercial Property 1795 Alysheba, Lexington KY Description: 3 office condos Price: $340,000 Contact: The Gibson Co., Greg Erwin 859-552-5416 Commercial Property 4249 Reserve Road, Fayette County Description: clubhouse Price: call for information Contact: Zach Moore, 502-227-1600 Franklin County Residential Property 324 Capital Avenue, Frankfort KY Description: single family residence Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Commercial Property Cardwell Lane, Frankfort, KY Description: 3 Condos, 8 development acres Price: $925,000 Contact: Jamie Schrader 859-321-5660 Commercial Property 115 Collision, Frankfort KY Description: 8,700 Sq.Ft. industrial building Price: $379,080 Contact: Greg Burton 502-227-1619 Commercial Property 117 Collision, Frankfort KY Description: 9,500 Sq.Ft. industrial building Price: $439,000 Contact: Greg Burton 502-227-1619 Commercial Property US 421, Frankfort KY Description: 9 acres commercial property Price: $1,575,000 Contact: Fred Sutterlin 502-365-3840 Commercial Property US 421, Frankfort KY Description: 7 1-acres commercial property tracts Price: $3,039,000 Contact: Fred Sutterlin 502-365-3840 Commercial Property Kendallwood Subdivision, Frankfort KY Description: 17 single family lots plus 6.975 acres Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Residential Property 361 Harrodswood, Frankfort KY Description: single family residence Price: $184,500 Contact: Gary Adkinson, Coldwell Banker 502-227-2275 Lot 15 The Reserve, Frankfort KY Description: sngle family residental lot Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Commercial Property 571 East Main Street, Frankfort KY Description: shopping center Price: $379,000 Contact: Trautner Real Estate, 502-223-3200 Commercial Property 614 – 624 Commanche Trail, Frankfort KY Description: shopping center Price: $389,500 Contact: Gary Adkinson, Coldwell Banker 502-227-2275 Commercial Property US 421, Copperleaf Development, Frankfort KY Description: 7 commercial lots Price: call for information Contact: Fred Sutterlin, PRG 502-365-3840 Commercial Property Pebblebook Subdivision, Frankfort KY Description: development acreage Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Residential Property 699 Cline Street, Frankfort KY Description: single family residence Price: $59,900 Contact: Bonnie Fint, Century 21 502-223-1600 Residential Property 115 Brentlawn, Frankfort KY Description: single family residence Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Commercial Property 974 River Bend Road, Frankfort KY Description: commercial building Price: $825,000 Contact: Greg Burton or Rick Harp, 502-227-1600 Residential Property 211 – 213 West Todd Street, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 211 – 213 New Street, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 No photo available Commercial Property 212 – 214 New Street, Frankfort KY Description: lot Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 216 – 218 New Street, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 1 – 3 Dogwood, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 5 – 7 Dogwood, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 118 Compton, Frankfort KY Description: 4 plex Price: call for information Contact: Emily Catron, 502-227-1600 No photo available 306 Murrell, Frankfort KY Description: single family lot Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 216 Conway Street, Frankfort KY Description: single family residence Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 133 Wallace Avenue, Frankfort KY Description: single family residence Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 311 – 311 1/2 Holmes Street, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 350 Holmes Street, Frankfort KY Description: single family residence Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 357 Wallace Avenue, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 748 – 750 Hillcrest, Frankfort KY Description: duplex Price: call for information Contact: Emily Catron, 502-227-1600 Residential Property 101 Arbor View, Frankfort KY Description: condominium Price: $189,900 Contact: Century 21, Danny Willis 502-226-2121 Residential Property 103 Arbor View, Frankfort KY Description: condominium Price: $199,900 Contact: Century 21, Danny Willis 502-226-2121 Residential Property 105 Arbor Court, Frankfort KY Description: condominium Price: $199,900 Contact: Century 21, Danny Willis 502-226-2121 No photo available Willowcrest Subdivision, Frankfort KY Description: 16 lots Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 No photo available 116 Muirfield Court, Frankfort KY (lot 4) Description: residential lot Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Garrard County Commercial Property Cobblestone Trace, Lancaster KY Description: 186 acres Price: $999,000 Contact: Danny Ayers 859‐792‐4025 Jefferson County Commercial Property Brookshire, Section Four, Rocky Mountain Drive, Louisville KY – Photo 1 Description: 10.81 acre undeveloped site approved for 30-lot subdivision. Zoned R-4, single-family. Water, gas, electric and sewers available Price: $344,000 Contact: any First Citizens Bank lender 502-957-7550 or 270-769-2301 Brookshire, Section Four, Rocky Mountain Drive, Louisville KY – Photo 2 Brookshire, Section Four, Rocky Mountain Drive, Louisville KY – Photo 3 Residential Property 10704 Vine Hill Drive, Louisville KY Description: 1,533-square foot home with basement in Silver Oaks, conveniently located near Taylorsville Road Price: $199,900 Contact: any First Citizens Bank lender 502-957-7550 or 270-769-2301 Flatrock Road, Louisville KY Description: residential development Price: call for information Contact: Greg Burton or Rick Harp, 502-227-1600 Jessamine County Residential Property 105 Denton Court, Nicholasville KY Description: Single Family Residence Price: $135,000 Contact: Jonah Mitchell 859‐887‐8870 Residential Property 501 West Brown Street, Nicholasville KY Description: Single Family Residence Price: $116,500 Contact: Pat Pinkston 859‐227‐1209 Residential Property 118 Floyd Court, Nicholasville KY Description: Townhome Price: $52,500 Contact: Pat Pinkston 859‐227‐1209 Residential Property 120 Floyd Court, Nicholasville KY Description: Townhome Price: $52,500 Contact: Pat Pinkston 859‐227‐1209 Residential Property 122 Floyd Court, Nicholasville KY Description: Townhome Price: $52,500 Contact: Pat Pinkston 859‐227‐1209 No photo available Residential Property Lot 17 ‐ 709 and Lot 18 ‐ 713 Homestead, Nicholasville KY Description: 2 Lots, Residential Price: $55,000 Contact: Jonah Mitchell 859‐887‐8870 No photo available Residential Property 105, 109, 125, 129, 133 Janice Drive and 228, 236 Lynnwood Drive, Nicholasville KY Description: 7 Lots, Residential Price: $25,900 each / $181,300 total Contact: Ron Griffie 859‐266‐0451 Commercial Property Lots 1‐10 Forest Reserve on Tates Creek, Nicholasville KY Description: 10 Lots, Residenial Price: $1,200,000 Contact: Mike Schornick 502-863-2393 No photo available Highbridge Road, Wilmore KY Description: 5 acres Price: $49,900 Contact: Pat Pinkston 859‐227‐1209 Lincoln County Commercial Property US 150 (east of US 27), Tract 1B, Stanford KY Description: commercial acreage Price: call for information Contact: Chris Thompson, 502-839-2600 Mercer County Residential Property 488 Highway 33 South Lot 3, Burgin KY Description: Single Family Residence Price: $145,000 Contact: Danny Ayers 859‐792‐4025 No photo available 488 Highway 33, Burgin KY Description: 30.731 acres Price: $160,000 Contact: Danny Ayers 859‐792‐4025 No photo available Residential Property Highway 33 South Lot 5, Burgin KY Description: Lot, Residential Price: $20,000 Contact: Danny Ayers 859‐792‐402 No photo available Residential Property Ashley Camp Road, Harrodsburg KY Description: 2 Lots, Residential Price: $14,000 Contact: Mike Schornick 502-863-2393 Stone Oak Estates, Harrodsburg KY Description: single family residential lot Price: $30,000 Contact: Ann McDonald, Coldwell Banker, 502-227-2275 Residential Property 5696 Louisville Road, Salvisa KY Description: single family residence Price: $39,900 Contact: Elizabeth Lloyd, Conway & Lloyd, 502-859-1707 Scott County No photo available Commercial Property Lot 1 Demand Court, Georgetown KY Description: Lot Commercial Price: $134,000 Contact: Jamie Schrader 859‐321‐5660 Commercial Property Unit 10, The Colony, Georgetown KY Description: 117 Lots, Residential Price: $2,100,000 Contact: Jamie Schrader 859‐321‐5660 Commercial Property Unit 11, The Colony, Georgetown KY Description: 40 Lots, Residential Price: $800,000 Contact: Mike Schornick 502-863-2393 Commercial Property Unit 11B, The Colony,Georgetown KY Description: 2 Acre Tract Price: $135,000 Contact: Jamie Schrader 859‐321‐5660 No photo available Residential Property 111 – 113 Elizabeth Street, Georgetown KY Description: duplex Price: call for information Contact: Jonathon Mays, 502-227-1600 No photo available Residential Property 115 – 117 Elizabeth Street, Georgetown KY Description: duplex Price: call for information Contact: Jonathon Mays, 502-227-1600 Woodford County Commercial Property The Shire II, Versailles KY Description: 72 condominium pads Price: $1,130,000 Contact: Jamie Schrader 859‐321‐5660 No photo available Commercial Property 180 Spring Road, Versailles KY Description: 6 town home lots Price: $76,000 Contact: Mike Schornick 502-863-2393 Hancock County, Indiana Commercial Property Stone Ridge, 1364 North County Road 200 West, Greenfield, Indiana Description: 33 Lots, Residential and 52 undeveloped acres Price: See Realtor Contact: Roy Wilson 317‐409‐5857 Commercial Property Waters Edge, 6451 West County Road 200 North, Greenfield, Indiana Description: 167 undeveloped acres Price: $2,750,000 Contact: Bill Flanary 317‐639‐0463 Campbell County, Tennessee No photo available Commercial Property The Neighborhood at the Willows Parcels 1‐6, 8‐9, 11‐14, 122 and 122.01, Caryville, Tennessee Description: Lots,Residenial/Tracts Price: Call for information Contact: Mike Schornick 502-863-2393

© Farmers Capital Bank Corporation 2012

Tags: executives paid despite non payment of bailout fund, insolvent, Non repayment of Gov. bailout funds