XML 15 R4.htm IDEA: XBRL DOCUMENT v3.24.1.1.u2
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Loans, including fees $ 9,238 $ 7,638
Securities:    
Taxable 1,629 1,301
Tax-exempt 704 865
Dividends 12 11
Federal funds sold and other income 254 372
Total interest income 11,837 10,187
INTEREST EXPENSE    
Deposits 2,806 996
Advances - Federal Home Loan Bank ("FHLB") 48 0
Borrowed funds - BTFP 383 0
Total interest expense 3,237 996
Net interest income 8,600 9,191
Provision for credit losses 280 193
Net interest income after provision for credit losses 8,320 8,998
NONINTEREST INCOME    
Noninterest income, financial service 1,701 1,694
Gain on sale of securities 32 0
Unrealized (loss) gain on equity securities (68) 137
Gain on sale of loans 101 86
Increase in cash surrender value of life insurance 48 45
Other income 120 62
Total noninterest income 1,899 1,991
NONINTEREST EXPENSE    
Compensation and benefits 3,843 3,789
Occupancy and equipment 463 447
Data processing 1,076 1,031
Professional fees 259 186
Advertising 88 83
Other expenses 1,028 865
Total noninterest expense 6,757 6,401
Income before income taxes 3,462 4,588
Income tax expense 507 769
Net Income 2,955 3,819
Less: net income attributable to noncontrolling interest in subsidiary 3 3
Net Income Attributable to First Capital, Inc. $ 2,952 $ 3,816
Earnings per common share attributable to First Capital, Inc.:    
Basic (in dollars per share) $ 0.88 $ 1.14
Diluted (in dollars per share) 0.88 1.14
Dividends per share (in dollars per share) $ 0.27 $ 0.27
Deposit Account [Member]    
NONINTEREST INCOME    
Noninterest income, financial service $ 593 $ 562
ATM and Debit Card Fees [Member]    
NONINTEREST INCOME    
Noninterest income, financial service 1,060 1,087
Investment Advisory, Management and Administrative Service [Member]    
NONINTEREST INCOME    
Noninterest income, financial service $ 13 $ 12