FIRST CAPITAL INC (FCAP)
2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | |
|---|---|---|---|---|
| Noninterest income, financial services-ATMAnd Debit Card Fees | 1,147 | - | - | - |
| Noninterest income, financial services-Service Charges On Deposit Accounts | 588 | - | - | - |
| Other income | 123 | 95 | 48 | 68 |
| Gain on sale of loans | 152 | 89 | 124 | 169 |
| Unrealized loss on equity securities | -41 | 18 | -196 | -6 |
| (loss) gain on sale of securities | - | -55 | - | - |
| Increase in cash surrender value of life insurance | 49 | 72 | 47 | 66 |
| Noninterest income, financial services | - | 1,629 | 1,808 | 1,759 |
| Total noninterest income | 2,018 | 1,848 | 1,800 | 2,023 |
| Professional fees | 327 | 286 | 334 | 303 |
| Other expenses | 1,072 | 988 | 1,052 | 1,061 |
| Occupancy and equipment | 549 | 623 | 476 | 480 |
| Compensation and benefits | 4,270 | 4,102 | 3,891 | 3,962 |
| Data processing | 1,156 | 1,108 | 1,164 | 1,115 |
| Advertising | 120 | 74 | 107 | 79 |
| Total noninterest expense | 7,494 | 7,181 | 7,024 | 7,000 |
| Borrowed funds - bank term funding program ('btfp') | - | - | 411 | 407 |
| Advances - fhlb | - | - | - | 51 |
| Deposits | 3,628 | 3,765 | 3,688 | 3,103 |
| Total interest expense | 3,628 | 3,765 | 4,099 | 3,561 |
| Federal funds sold and other income | - | 1,063 | 1,123 | 329 |
| Tax-exempt | 665 | 649 | 628 | 636 |
| Taxable | 1,979 | 1,834 | 1,730 | 1,757 |
| Interest bearing deposits with banks | 1,117 | - | - | - |
| Loans, including fees | 10,254 | 9,774 | 9,716 | 9,472 |
| Dividends | 25 | 26 | 27 | 24 |
| Total interest income | 14,040 | 13,346 | 13,224 | 12,218 |
| Net interest income | 10,412 | 9,581 | 9,125 | 8,657 |
| Provision for credit losses | 306 | 338 | 463 | 360 |
| Net interest income after provision for credit losses | 10,106 | 9,243 | 8,662 | 8,297 |
| Income before income taxes | 4,630 | 3,910 | 3,438 | 3,320 |
| Income tax expense | 852 | 672 | 537 | 488 |
| Net income | 3,778 | 3,238 | 2,901 | 2,832 |
| Less net income attributable to noncontrolling interest in subsidiary | 3 | 3 | 3 | 4 |
| Net income attributable to first capital, inc | 3,775 | 3,235 | 2,898 | 2,828 |
| Earnings per share, basic | 1.13 | 0.97 | 0.87 | 0.85 |
| Earnings per share, diluted | 1.13 | 0.97 | 0.87 | 0.85 |
| Weighted average number of shares outstanding, basic | 3,346,653,000 | 3,346,850 | 3,347,236 | 3,345,278 |
| Weighted average number of shares outstanding, diluted | 3,350,344,000 | 3,348,298 | 3,347,236 | 3,345,401 |