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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2015
Dec. 31, 2014
Sep. 30, 2014
Jun. 30, 2014
Mar. 31, 2014
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Jun. 30, 2015
Jun. 30, 2014
Dec. 31, 2014
Dec. 31, 2013
Loans, including fees $ 3,963     $ 4,036           $ 7,893 $ 7,874 $ 15,937 $ 15,833
Securities:                          
Taxable 268     303           530 620 1,185 1,294
Tax-exempt 244     274           490 564 1,058 1,113
Federal Home Loan Bank dividends 30     26           52 65 114 99
Federal funds sold and interest bearing deposits with banks 50     24           86 42 105 72
Total interest income 4,555 $ 4,588 $ 4,646 4,663 $ 4,502 $ 4,632 $ 4,649 $ 4,554 $ 4,576 9,051 9,165 18,399 18,411
INTEREST EXPENSE                          
Deposits 239     291           482 580 1,127 1,474
Retail repurchase agreements 0     6           0 12 12 28
Advances from Federal Home Loan Bank 0     0           0 3 5 151
Total interest expense 239 269 280 297 298 347 408 440 458 482 595 1,144 1,653
Net interest income 4,316 4,319 4,366 4,366 4,204 4,285 4,241 4,114 4,118 8,569 8,570 17,255 16,758
Provision for loan losses 50 0 75 90 25 150 100 225 250 50 115 190 725
Net interest income after provision for loan losses 4,266 4,319 4,291 4,276 4,179 4,135 4,141 3,889 3,868 8,519 8,455 17,065 16,033
NONINTEREST INCOME                          
Service charges on deposit accounts 856     822           1,630 1,545 3,189 3,112
Commission income 85     120           184 198 546 355
Gain on sale of securities 0     54           0 54 54 29
Gain on sale of loans 178     212           486 319 713 842
Mortgage brokerage fees 33     9           46 14 45 48
Increase in cash surrender value of life insurance 34     40           67 77 150 160
Other income 28     30           165 59 239 94
Total noninterest income 1,214 1,232 1,438 1,287 979 1,079 1,211 1,188 1,162 2,578 2,266 4,936 4,640
NONINTEREST EXPENSE                          
Compensation and benefits 1,971     1,836           3,981 3,671 7,661 7,143
Occupancy and equipment 312     293           623 612 1,198 1,166
Data processing 406     397           830 764 1,591 1,458
Professional fees 380     153           581 298 721 686
Advertising 79     69           148 133 288 262
Other operating expenses 613     601           1,277 1,170 2,623 2,616
Total noninterest expense 3,761 3,843 3,591 3,349 3,299 3,433 3,270 3,306 3,322 7,440 6,648 14,082 13,331
Income before income taxes 1,719 1,708 2,138 2,214 1,859 1,781 2,082 1,771 1,708 3,657 4,073 7,919 7,342
Income tax expense 487 450 611 692 559 534 653 557 511 956 1,251 2,312 2,255
Net Income 1,232 1,258 1,527 1,522 1,300 1,247 1,429 1,214 1,197 2,701 2,822 5,607 5,087
Less: net income attributable to noncontrolling interest in subsidiary 4 3 3 4 3 3 3 4 3 7 7 13 13
Net Income Attributable to First Capital, Inc. $ 1,228 $ 1,255 $ 1,524 $ 1,518 $ 1,297 $ 1,244 $ 1,426 $ 1,210 $ 1,194 $ 2,694 $ 2,815 $ 5,594 $ 5,074
Earnings per common share attributable to First Capital, Inc.                          
Basic (in Dollars per share) $ 0.45 $ 0.45 $ 0.56 $ 0.55 $ 0.47 $ 0.45 $ 0.51 $ 0.43 $ 0.43 $ 0.98 $ 1.02 $ 2.03 $ 1.82
Diluted (in Dollars per share) 0.45     0.55           0.98 1.02 2.03 1.82
Dividends per share (in Dollars per share) $ 0.21     $ 0.21           $ 0.42 $ 0.42 $ 0.84 $ 0.80