For the quarter ending 2025-09-30, FCAP had -$22,418K decrease in cash & cash equivalents over the period. $7,776K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 4,481 | 7,016 |
| Amortization of premiums and accretion of discounts on securities, net | -187 | -410 |
| Depreciation and amortization expense | 270 | 561 |
| Deferred income taxes | 3 | 7 |
| Stock compensation expense | 13 | 77 |
| Increase in cash value of life insurance | 51 | 121 |
| Gain on life insurance | 1 | 46 |
| Loss (gain) on sale of securities | -39 | -55 |
| Provision for credit losses | 150 | 644 |
| Proceeds from sales of loans | 14,115 | 11,765 |
| Loans originated for sale | 13,305 | 12,645 |
| Gain on sale of loans | 243 | 241 |
| Amortization of tax credit investment | 958 | 1,343 |
| Unrealized (gain) loss on equity securities | 150 | -23 |
| Loss on disposal of premises and equipment | -98 | -58 |
| (increase) decrease in accrued interest receivable | 147 | 67 |
| Increase in accrued interest payable | -93 | 289 |
| Net change in other assets/liabilities | -1,617 | 1,017 |
| Net cash provided by operating activities | 7,941 | 8,111 |
| Net decrease in interest-bearing time deposits | 0 | -490 |
| Purchase of securities available for sale | 53,448 | 54,519 |
| Proceeds from maturities of securities available for sale | 19,420 | 25,705 |
| Proceeds from sales of securities available for sale | 6,719 | 11,192 |
| Principal collected on mortgage-backed obligations | 8,569 | 15,386 |
| Net increase in loans receivable | -6,692 | 18,619 |
| Investment in tax credit entities | 1,188 | 1,344 |
| Investment in technology fund | -37 | 60 |
| Proceeds from settlement of bank-owned life insurance policies | 1 | 605 |
| Purchase of premises and equipment | 165 | 489 |
| Net cash (used in) provided by investing activities | -13,363 | -21,653 |
| Net increase in deposits | -15,894 | 44,188 |
| Advances from fhlb and btfp | 0 | 0 |
| Repayment of advances from the fhlb and btfp | 0 | 0 |
| Purchase of treasury stock | 52 | 9 |
| Taxes paid on stock award shares for employees | 11 | - |
| Dividends paid | 1,039 | 1,959 |
| Net cash provided by financing activities | -16,996 | 42,220 |
| Net increase in cash and cash equivalents | -22,418 | 28,678 |
| Cash and cash equivalents at beginning of period | 105,917 | - |
| Cash and cash equivalents at end of period | 112,177 | - |
FIRST CAPITAL INC (FCAP)
FIRST CAPITAL INC (FCAP)