For the year ending 2025-12-31, FCAP had $31,371K increase in cash & cash equivalents over the period. $19,932K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 16,380 |
| Amortization of premiums and accretion of discounts on securities, net | -736 |
| Depreciation and amortization expense | 1,089 |
| Deferred income taxes | -900 |
| Stock compensation expense | 104 |
| Increase in cash value of life insurance | 222 |
| Gain on life insurance | 47 |
| Loss (gain) on sale of securities | -94 |
| Provision for credit losses | 1,144 |
| Proceeds from sales of loans | 41,584 |
| Loans originated for sale | 41,784 |
| Gain on sale of loans | 792 |
| Amortization of tax credit investment | 3,210 |
| Unrealized (gain) loss on equity securities | 149 |
| Loss (gain) on disposal of premises and equipment | -12 |
| (increase) decrease in accrued interest receivable | 525 |
| Increase in accrued interest payable | 273 |
| Net change in other assets/liabilities | -1,077 |
| Net cash provided by operating activities | 21,284 |
| Net decrease (increase) in interest-bearing time deposits | -1,225 |
| Purchase of securities available for sale | 137,883 |
| Proceeds from maturities of securities available for sale | 67,066 |
| Proceeds from sales of securities available for sale | 17,913 |
| Principal collected on mortgage-backed obligations | 38,842 |
| Net increase in loans receivable | 24,045 |
| Investment in tax credit entities | 4,275 |
| Investment in technology fund | 89 |
| Proceeds from settlement of bank-owned life insurance policies | 605 |
| Proceeds from insurance claims | 159 |
| Purchase of premises and equipment | 1,352 |
| Net cash (used in) provided by investing activities | -41,834 |
| Net increase (decrease) in deposits | 56,551 |
| Purchase of treasury stock | 578 |
| Taxes paid on stock award shares for employees | 17 |
| Dividends paid | 4,035 |
| Net cash provided by (used in) financing activities | 51,921 |
| Net increase (decrease) in cash and cash equivalents | 31,371 |
| Cash and cash equivalents at beginning of period | 105,917 |
| Cash and cash equivalents at end of period | 137,288 |
FIRST CAPITAL INC (FCAP)
FIRST CAPITAL INC (FCAP)