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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
Loans, including fees $ 5,859 $ 5,746 $ 11,352 $ 11,819
Securities:        
Taxable 1,061 632 1,948 1,140
Tax-exempt 780 671 1,521 1,305
Dividends 4 4 9 7
Other interest income 194 80 273 154
Total interest income 7,898 7,133 15,103 14,425
INTEREST EXPENSE        
Deposits 267 289 520 577
Total interest expense 267 289 520 577
Net interest income 7,631 6,844 14,583 13,848
Provisions for loan losses 200 0 375 75
Net interest income after provision for loan losses 7,431 6,844 14,208 13,773
NONINTEREST INCOME        
Noninterest income, financial service 1,757 1,592 3,427 3,084
Unrealized gain (loss) on equity securities (99) 193 (36) 427
Gain on sale of loans 215 661 550 1,297
Increase in cash surrender value of life insurance 63 71 113 118
Other income 59 66 120 120
Total noninterest income 1,965 2,552 4,112 4,990
NONINTEREST EXPENSE        
Compensation and benefits 3,651 3,612 7,145 7,142
Occupancy and equipment 456 410 923 874
Data processing 993 867 1,862 1,676
Professional fees 178 348 468 587
Advertising 79 80 141 130
Other expenses 878 848 1,690 1,563
Total noninterest expense 6,235 6,165 12,229 11,972
Income before income taxes 3,161 3,231 6,091 6,791
Income tax expense 447 497 847 1,115
Net Income 2,714 2,734 5,244 5,676
Less: net income attributable to noncontrolling interest in subsidiary 4 4 7 7
Net Income Attributable to First Capital, Inc. $ 2,710 $ 2,730 $ 5,237 $ 5,669
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 0.81 $ 0.82 $ 1.56 $ 1.70
Diluted (in dollars per share) 0.81 0.82 1.56 1.69
Dividends per share (in dollars per share) $ 0.26 $ 0.26 $ 0.52 $ 0.52
Deposit Account [Member]        
NONINTEREST INCOME        
Noninterest income, financial service $ 543 $ 424 $ 1,052 $ 834
Gain on sale of securities available for sale 0 0 0 7
ATM and Debit Card Fees [Member]        
NONINTEREST INCOME        
Noninterest income, financial service 1,066 1,050 2,073 2,018
Investment Advisory, Management and Administrative Service [Member]        
NONINTEREST INCOME        
Noninterest income, financial service $ 118 $ 87 $ 240 $ 169