For the quarter ending 2026-03-31, FCAP had $12,352K increase in cash & cash equivalents over the period. $5,852K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 4,333 | 4,883 | 4,481 | 7,016 |
| Amortization of premiums and accretion of discounts on securities, net | -114 | -139 | -187 | -410 |
| Depreciation and amortization expense | 279 | 258 | 270 | 561 |
| Deferred income taxes | 671 | -910 | 3 | 7 |
| Stock compensation expense | 20 | 14 | 13 | 77 |
| Increase in cash value of life insurance | 57 | 50 | 51 | 121 |
| Gain on life insurance | - | 0 | 1 | 46 |
| Loss on sale of securities | -92 | 0 | -39 | -55 |
| Provision for credit losses | 350 | 350 | 150 | 644 |
| Proceeds from sales of loans | 9,218 | 15,704 | 14,115 | 11,765 |
| Loss (gain) on disposal of premises and equipment | - | 144 | -98 | -58 |
| Loans originated for sale | 8,377 | 15,834 | 13,305 | 12,645 |
| Gain on sale of loans | 133 | 308 | 243 | 241 |
| Amortization of tax credit investment | 350 | 909 | 958 | 1,343 |
| Unrealized gain on equity securities | 178 | 22 | 150 | -23 |
| Decrease in accrued interest receivable | -183 | 311 | 147 | 67 |
| Decrease in accrued interest payable | -39 | 77 | -93 | 289 |
| Net change in other assets/liabilities | 485 | -477 | -1,617 | 1,017 |
| Net cash provided by operating activities | 6,341 | 5,232 | 7,941 | 8,111 |
| Net decrease in interest-bearing time deposits | -245 | -735 | 0 | -490 |
| Purchase of securities available for sale | 45,701 | 29,916 | 53,448 | 54,519 |
| Proceeds from maturities of securities available for sale | 17,790 | 21,941 | 19,420 | 25,705 |
| Proceeds from sales of securities available for sale | 18,722 | 2 | 6,719 | 11,192 |
| Principal collected on mortgage-backed obligations | 14,482 | 14,887 | 8,569 | 15,386 |
| Net increase in loans receivable | 10,654 | 12,118 | -6,692 | 18,619 |
| Investment in tax credit entities | 845 | 1,743 | 1,188 | 1,344 |
| Investment in technology fund | 84 | 66 | -37 | 60 |
| Proceeds from settlement of bank-owned life insurance policies | - | -1 | 1 | 605 |
| Proceeds from insurance claims | - | 159 | - | - |
| Purchase of premises and equipment | 489 | 698 | 165 | 489 |
| Net cash used in investing activities | -6,534 | -6,818 | -13,363 | -21,653 |
| Advances from fhlb and btfp | - | - | 0 | 0 |
| Repayment of advances from the fhlb and btfp | - | - | 0 | 0 |
| Purchase of treasury stock | - | 517 | 52 | 9 |
| Taxes paid on stock award shares for employees | - | 6 | 11 | - |
| Net increase in deposits | 13,583 | 28,257 | -15,894 | 44,188 |
| Dividends paid | 1,038 | 1,037 | 1,039 | 1,959 |
| Net cash provided by financing activities | 12,545 | 26,697 | -16,996 | 42,220 |
| Net increase in cash and cash equivalents | 12,352 | 25,111 | -22,418 | 28,678 |
| Cash and cash equivalents at beginning of period | 137,288 | 112,177 | 105,917 | - |
| Cash and cash equivalents at end of period | 149,640 | 137,288 | 112,177 | - |
FIRST CAPITAL INC (FCAP)
FIRST CAPITAL INC (FCAP)