| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Federal funds sold and other income | - | - | 1,063 | 1,123 |
| Loans, including fees | 10,411 | 10,254 | 9,774 | 9,716 |
| Taxable | 2,257 | 1,979 | 1,834 | 1,730 |
| Tax-exempt | 684 | 665 | 649 | 628 |
| Dividends | 25 | 25 | 26 | 27 |
| Interest bearing deposits with banks | 1,281 | 1,117 | - | - |
| Total interest income | 14,658 | 14,040 | 13,346 | 13,224 |
| Deposits | 3,702 | 3,628 | 3,765 | 3,688 |
| Advances - fhlb | 0 | 0 | - | - |
| Borrowed funds - bank term funding program ('btfp') | 0 | 0 | - | 411 |
| Total interest expense | 3,702 | 3,628 | 3,765 | 4,099 |
| Net interest income | 10,956 | 10,412 | 9,581 | 9,125 |
| Provision for credit losses | 150 | 306 | 338 | 463 |
| Net interest income after provision for credit losses | 10,806 | 10,106 | 9,243 | 8,662 |
| Noninterest income, financial services-Service Charges On Deposit Accounts | 625 | 588 | - | - |
| Noninterest income, financial services-ATMAnd Debit Card Fees | 1,191 | 1,147 | - | - |
| (loss) gain on sale of securities | -39 | 0 | -55 | - |
| Unrealized gain (loss) on equity securities | 150 | -41 | 18 | -196 |
| Noninterest income, financial services | - | - | 1,629 | 1,808 |
| Gain on sale of loans | 243 | 152 | 89 | 124 |
| Increase in cash surrender value of life insurance | 51 | 49 | 72 | 47 |
| Other income | 85 | 123 | 95 | 48 |
| Total noninterest income | 2,306 | 2,018 | 1,848 | 1,800 |
| Compensation and benefits | 4,093 | 4,270 | 4,102 | 3,891 |
| Occupancy and equipment | 807 | 549 | 623 | 476 |
| Data processing | 1,182 | 1,156 | 1,108 | 1,164 |
| Professional fees | 290 | 327 | 286 | 334 |
| Advertising | 147 | 120 | 74 | 107 |
| Other expenses | 1,045 | 1,072 | 988 | 1,052 |
| Total noninterest expense | 7,564 | 7,494 | 7,181 | 7,024 |
| Income before income taxes | 5,548 | 4,630 | 3,910 | 3,438 |
| Income tax expense | 1,067 | 852 | 672 | 537 |
| Net income | 4,481 | 3,778 | 3,238 | 2,901 |
| Less net income attributable to noncontrolling interest in subsidiary | 3 | 3 | 3 | 3 |
| Net income attributable to first capital, inc | 4,478 | 3,775 | 3,235 | 2,898 |
| Earnings per share, basic | 1.34 | 1.13 | 0.97 | 0.87 |
| Earnings per share, diluted | 1.34 | 1.13 | 0.97 | 0.87 |
| Weighted average number of shares outstanding, basic | 3,348,618,000 | 3,346,653,000 | 3,346,850 | 3,347,236 |
| Weighted average number of shares outstanding, diluted | 3,350,008,000 | 3,350,344,000 | 3,348,298 | 3,347,236 |
FIRST CAPITAL INC (FCAP)
FIRST CAPITAL INC (FCAP)