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FIRST CAPITAL INC (FCAP)

FIRST CAPITAL INC (FCAP)

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Balance Sheets Overview

Debt to Asset Ratio
88.94%
Unit: Thousand (K) dollars
Assets Breakdown
    • Principal loan balance
    • Interest bearing deposits with b...
    • Cash and due from banks
    • Others
Liabilities Breakdown
    • Interest-bearing
    • Noninterest-bearing
    • Retained earnings-substantially ...
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
20,871
21,682
26,873
20,569
Interest bearing deposits with banks
128,941
127,958
110,415
91,608
Total cash and cash equivalents
149,812
149,640
137,288
112,177
Interest-bearing time deposits
1,225
1,225
1,470
2,205
Securities available for sale, at fair value (amortized cost 424,888 and 432,167, respectively)
406,917
407,764
417,190
421,627
Securities held to maturity, at amortized cost (fair value 5,542 and 5,243, respectively)
7,000
7,000
7,000
7,000
Loans held for sale
1,326
756
1,464
1,026
Principal loan balance
677,805
673,713
663,142
651,093
Deferred loan origination fees and costs, net
1,033
1,038
1,066
1,100
Allowance for credit losses
10,714
10,347
10,108
9,861
Loans, net of allowance for credit losses of 10,714 (10,108 in 2025)
668,124
664,404
654,100
642,332
Federal home loan bank and other stock, at cost
1,836
1,836
1,836
1,836
Premises and equipment
14,980
14,567
14,357
13,932
Accrued interest receivable
5,057
4,917
5,100
4,789
Cash value of life insurance
9,101
9,050
8,993
8,942
Goodwill
6,472
6,472
6,472
6,472
Core deposit intangible
-
-
0
0
Other assets
18,191
16,520
16,725
13,139
Total assets
1,290,041
1,284,151
1,271,995
1,235,477
Noninterest-bearing
218,727
218,583
220,053
213,495
Interest-bearing
918,004
917,990
902,937
881,238
Total deposits
1,136,731
1,136,573
1,122,990
1,094,733
Accrued interest payable
1,942
2,156
2,195
2,118
Accrued expenses and other liabilities
8,753
7,268
8,901
6,077
Total liabilities
1,147,426
1,145,997
1,134,086
1,102,928
Preferred stock of .01 par value per share authorized 1,000,000 shares none issued
-
-
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 3,345,245 (3,341,871 in 2025)
38
38
38
38
Additional paid-in capital
42,015
42,015
41,823
41,823
Retained earnings-substantially restricted
124,653
120,927
117,635
113,793
Unearned stock compensation
335
350
178
192
Accumulated other comprehensive loss
-13,970
-14,716
-11,646
-13,669
Less treasury stock, at cost - 469,298 shares (469,012 in 2025)
9,891
9,875
9,875
9,352
Total first capital, inc. stockholders' equity
142,510
138,039
137,797
132,441
Noncontrolling interest in subsidiary
105
115
112
108
Total equity
142,615
138,154
137,909
132,549
Total liabilities and equity
1,290,041
1,284,151
1,271,995
1,235,477
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Balance Sheets

Principal loan balance$677,805K (3.04%↑ Y/Y)Interest bearingdeposits with banks$128,941K (19.01%↑ Y/Y)Cash and due frombanks$20,871K (-20.50%↓ Y/Y)Deferred loanorigination fees and costs,...$1,033K (-8.10%↓ Y/Y)Loans, net of allowancefor credit losses of...$668,124K (2.92%↑ Y/Y)Securities available forsale, at fair value...$406,917K (2.86%↑ Y/Y)Total cash and cashequivalents$149,812K (11.31%↑ Y/Y)Other assets$18,191K (9.89%↑ Y/Y)Premises and equipment$14,980K (6.07%↑ Y/Y)Cash value of lifeinsurance$9,101K (2.35%↑ Y/Y)Securities held tomaturity, at amortized...$7,000K (0.00%↑ Y/Y)Goodwill$6,472K (0.00%↑ Y/Y)Accrued interestreceivable$5,057K (8.94%↑ Y/Y)Federal home loan bankand other stock, at...$1,836K (0.00%↑ Y/Y)Loans held for sale$1,326K (-16.76%↓ Y/Y)Interest-bearing time deposits$1,225K (-44.44%↓ Y/Y)Allowance for creditlosses$10,714K (210.14%↑ Y/Y)Total assets$1,290,041K (3.81%↑ Y/Y)Total liabilities andequity$1,290,041K (3.81%↑ Y/Y)Total liabilities$1,147,426K (2.51%↑ Y/Y)Total equity$142,615K (15.66%↑ Y/Y)Total deposits$1,136,731K (2.35%↑ Y/Y)Accrued expenses andother liabilities$8,753K (33.76%↑ Y/Y)Accrued interestpayable$1,942K (-12.17%↓ Y/Y)Total first capital,inc. stockholders'...$142,510K (15.67%↑ Y/Y)Noncontrolling interest insubsidiary$105K (0.00%↑ Y/Y)Accumulated othercomprehensive loss-$13,970K (28.44%↑ Y/Y)Less treasury stock,at cost - 469,298...$9,891K (6.48%↑ Y/Y)Unearned stockcompensation$335K (63.41%↑ Y/Y)Interest-bearing$918,004K (1.77%↑ Y/Y)Noninterest-bearing$218,727K (4.86%↑ Y/Y)Retainedearnings-substantially restricted$124,653K (12.96%↑ Y/Y)Additional paid-in capital$42,015K (0.46%↑ Y/Y)Common stock of .01 parvalue per share...$38K (0.00%↑ Y/Y)