For the quarter ending 2025-09-30, FCAP made $28,269,000 in revenue. $4,478,000 in net income. Net profit margin of 15.84%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 10,411,000 | 10,254,000 | 9,774,000 | 9,542,000 |
| Taxable | 2,257,000 | 1,979,000 | 1,834,000 | 1,671,500 |
| Tax-exempt | 684,000 | 665,000 | 649,000 | 683,000 |
| Dividends | 25,000 | 25,000 | 26,000 | 18,500 |
| Federal funds sold and other income | - | - | 1,063,000 | 599,500 |
| Interest bearing deposits with banks | 1,281,000 | 1,117,000 | - | - |
| Total interest income | 14,658,000 | 14,040,000 | 13,346,000 | 12,514,500 |
| Deposits | 3,702,000 | 3,628,000 | 3,765,000 | 3,218,000 |
| Advances - fhlb | 0 | 0 | - | 16,000 |
| Borrowed funds - bank term funding program ('btfp') | 0 | 0 | - | 268,500 |
| Total interest expense | 3,702,000 | 3,628,000 | 3,765,000 | 3,510,500 |
| Net interest income | 10,956,000 | 10,412,000 | 9,581,000 | 9,004,000 |
| Provision for credit losses | 150,000 | 306,000 | 338,000 | 313,000 |
| Net interest income after provision for credit losses | 10,806,000 | 10,106,000 | 9,243,000 | 8,691,000 |
| Noninterest income, financial services-Service Charges On Deposit Accounts | 625,000 | 588,000 | - | - |
| Noninterest income, financial services-ATMAnd Debit Card Fees | 1,191,000 | 1,147,000 | - | - |
| (loss) gain on sale of securities | -39,000 | 0 | -55,000 | 8,000 |
| Unrealized gain (loss) on equity securities | 150,000 | -41,000 | 18,000 | -86,000 |
| Gain on sale of loans | 243,000 | 152,000 | 89,000 | 130,500 |
| Noninterest income, financial services | - | - | 1,629,000 | 1,681,500 |
| Increase in cash surrender value of life insurance | 51,000 | 49,000 | 72,000 | 55,500 |
| Other income | 85,000 | 123,000 | 95,000 | 87,000 |
| Total noninterest income | 2,306,000 | 2,018,000 | 1,848,000 | 1,916,500 |
| Compensation and benefits | 4,093,000 | 4,270,000 | 4,102,000 | 3,842,500 |
| Occupancy and equipment | 807,000 | 549,000 | 623,000 | 481,500 |
| Data processing | 1,182,000 | 1,156,000 | 1,108,000 | 1,121,500 |
| Professional fees | 290,000 | 327,000 | 286,000 | 359,500 |
| Advertising | 147,000 | 120,000 | 74,000 | 85,500 |
| Other expenses | 1,045,000 | 1,072,000 | 988,000 | 1,011,500 |
| Total noninterest expense | 7,564,000 | 7,494,000 | 7,181,000 | 6,902,000 |
| Income before income taxes | 5,548,000 | 4,630,000 | 3,910,000 | 3,705,500 |
| Income tax expense | 1,067,000 | 852,000 | 672,000 | 595,500 |
| Net income | 4,481,000 | 3,778,000 | 3,238,000 | 3,110,000 |
| Less net income attributable to noncontrolling interest in subsidiary | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income attributable to first capital, inc | 4,478,000 | 3,775,000 | 3,235,000 | 3,107,000 |
| Earnings per share, basic | 1.34 | 1.13 | 0.97 | 0.925 |
| Earnings per share, diluted | 1.34 | 1.13 | 0.97 | 0.925 |
| Weighted average number of shares outstanding, basic | 3,348,618,000 | 3,346,653,000 | 3,346,850 | -1,673,176.5 |
| Weighted average number of shares outstanding, diluted | 3,350,008,000 | 3,350,344,000 | 3,348,298 | -1,673,238 |
FIRST CAPITAL INC (FCAP)
FIRST CAPITAL INC (FCAP)