Financial insights of FCAP

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Noninterest income, financial services-Service Charges On Deposit Accounts	2,450	-
Noninterest income, financial services-ATMAnd Debit Card Fees	4,540	-
(loss) gain on sale of securities	-94	32
Unrealized gain (loss) on equity securities	149	-374
Gain on sale of loans	792	554
Noninterest income	-	6,930
Increase in cash surrender value of life insurance	222	224
Other income	406	290
Total noninterest income	8,465	7,656
Loans, including fees	40,918	38,272
Taxable	8,608	6,830
Tax-exempt	2,716	2,630
Dividends	103	88
Borrowed funds - btfp	-	1,355
Federal funds sold and other income	-	2,651
Interest bearing deposits with banks	4,502	-
Advances - federal home loan bank ('fhlb')	-	99
Total interest income	56,847	50,471
Deposits	14,697	13,227
Total interest expense	14,697	14,681
Net interest income	42,150	35,790
Provision for credit losses	1,144	1,449
Net interest income after provision for credit losses	41,006	34,341
Compensation and benefits	16,809	15,538
Occupancy and equipment	2,391	1,919
Data processing	4,622	4,522
Professional fees	1,171	1,356
Advertising	482	357
Other expenses	4,087	4,136
Total noninterest expense	29,562	27,828
Income before income taxes	19,909	14,169
Income tax expense	3,529	2,216
Net income	16,380	11,953
Less net income attributable to noncontrolling interest in subsidiary	13	13
Net income attributable to first capital, inc	16,367	11,940

Basic EPS	4.89	3.57
Diluted EPS	4.89	3.57
Basic Average Shares	3,345,645	3,346,161
Diluted Average Shares	3,347,989	3,346,161