FIRST CAPITAL INC (FCAP)
FIRST CAPITAL INC (FCAP)
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 21,682 | 26,873 | 20,569 | 26,253 |
| Interest bearing deposits with banks | 127,958 | 110,415 | 91,608 | 108,342 |
| Total cash and cash equivalents | 149,640 | 137,288 | 112,177 | 134,595 |
| Interest-bearing time deposits | 1,225 | 1,470 | 2,205 | 2,205 |
| Securities available for sale, at fair value (amortized cost 426,668 and 432,167, respectively) | 407,764 | 417,190 | 421,627 | 395,589 |
| Securities held to maturity, at amortized cost (fair value 5,443 and 5,243, respectively) | 7,000 | 7,000 | 7,000 | 7,000 |
| Loans held for sale | 756 | 1,464 | 1,026 | 1,593 |
| Onetofour Family Loan-Residential Portfolio Segment | NaN | 140,677 | 145,892 | NaN |
| Home Equity And Second Mortgage-Residential Portfolio Segment | NaN | 71,435 | 71,680 | NaN |
| Multifamily-Residential Portfolio Segment | NaN | 69,567 | 49,915 | NaN |
| Construction-One To Four Family Residential Construction | NaN | 15,445 | 17,583 | NaN |
| Construction-Other Construction Development And Land | NaN | 41,227 | 44,952 | NaN |
| Commercial Real Estate Loan-Commercial Real Estate Portfolio Segment | NaN | NaN | 201,629 | NaN |
| Commercial Portfolio Segment-Commercial Real Estate Loan | NaN | 207,124 | NaN | NaN |
| Commercial Business-Consumer Portfolio Segment | NaN | NaN | 62,655 | NaN |
| Commercial Business-Commercial Portfolio Segment | NaN | 61,991 | NaN | NaN |
| All Other Consumer Excluding Home Equity And Second Mortgage-Consumer Portfolio Segment | NaN | 55,676 | 56,787 | NaN |
| Principal loan balance | 673,713 | 663,142 | 651,093 | NaN |
| Deferred loan origination fees and costs, net | 1,038 | 1,066 | 1,100 | NaN |
| Allowance for credit losses | 10,347 | 10,108 | 9,861 | NaN |
| Core deposit intangible | NaN | 0 | 0 | 12 |
| Loans, net of allowance for credit losses of 10,347 (10,108 in 2025) | 664,404 | 654,100 | 642,332 | 649,174 |
| Federal home loan bank and other stock, at cost | 1,836 | 1,836 | 1,836 | 1,836 |
| Premises and equipment | 14,567 | 14,357 | 13,932 | 14,123 |
| Accrued interest receivable | 4,917 | 5,100 | 4,789 | 4,642 |
| Cash value of life insurance | 9,050 | 8,993 | 8,942 | 8,892 |
| Goodwill | 6,472 | 6,472 | 6,472 | 6,472 |
| Other assets | 16,520 | 16,725 | 13,139 | 16,554 |
| Total assets | 1,284,151 | 1,271,995 | 1,235,477 | 1,242,687 |
| Noninterest-bearing | 218,583 | 220,053 | 213,495 | 208,595 |
| Interest-bearing | 917,990 | 902,937 | 881,238 | 902,032 |
| Total deposits | 1,136,573 | 1,122,990 | 1,094,733 | 1,110,627 |
| Accrued interest payable | 2,156 | 2,195 | 2,118 | 2,211 |
| Accrued expenses and other liabilities | 7,268 | 8,901 | 6,077 | 6,544 |
| Total liabilities | 1,145,997 | 1,134,086 | 1,102,928 | 1,119,382 |
| Preferred stock of .01 par value per share authorized 1,000,000 shares none issued | NaN | 0 | NaN | 0 |
| Common stock of .01 par value per share authorized 7,500,000 shares issued 3,814,543 shares (3,810,883 in 2025) outstanding 3,345,531 (3,341,871 in 2025) | 38 | 38 | 38 | 38 |
| Additional paid-in capital | 42,015 | 41,823 | 41,823 | 41,823 |
| Retained earnings-substantially restricted | 120,927 | 117,635 | 113,793 | 110,354 |
| Unearned stock compensation | 350 | 178 | 192 | 205 |
| Accumulated other comprehensive loss | -14,716 | -11,646 | -13,669 | -19,521 |
| Less treasury stock, at cost - 469,012 shares | 9,875 | 9,875 | 9,352 | 9,289 |
| Total first capital, inc. stockholders' equity | 138,039 | 137,797 | 132,441 | 123,200 |
| Noncontrolling interest in subsidiary | 115 | 112 | 108 | 105 |
| Total equity | 138,154 | 137,909 | 132,549 | 123,305 |
| Total liabilities and equity | 1,284,151 | 1,271,995 | 1,235,477 | 1,242,687 |