Income Statement First Capital, Inc.

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FCAP

US31942S1042

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07-24	First Capital, Inc. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI
07-24	First Capital, Inc. Reports Net Charge Offs for the Second Quarter Ended June 30, 2026	CI

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Published financial data: FIRST CAPITAL, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	23.77M	24.96M	33.35M	38.27M	40.92M
Interest Income On Investments	5.69M	8.98M	10.26M	12.2M	15.93M
Interest Income, Total	29.46M	33.94M	43.6M	50.47M	56.85M
Interest On Deposits	1.13M	1.59M	8.24M	13.23M	14.7M
Total Interest On Borrowings	-	-	776K	1.45M	-
Interest Expense, Total	1.13M	1.59M	9.02M	14.68M	14.7M
Net Interest Income	28.33M	32.35M	34.59M	35.79M	42.15M
Service Charges On Deposits	1.87M	2.27M	2.34M	2.4M	2.45M
Gain (Loss) on Sale of Loans	2.44M	833K	421K	554K	792K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	335K	-414K	-167K	-342K	55K
Total Other Non Interest Income	4.9M	5.24M	5.04M	5.04M	5.17M
Non Interest Income, Total	9.55M	7.93M	7.63M	7.66M	8.46M
Revenues Before Provison For Loan Losses	37.88M	40.27M	42.22M	43.45M	50.62M
Provision For Loan Losses	-325K	950K	1.14M	1.45M	1.14M
Total Revenues	38.21M	39.32M	41.08M	42M	49.47M
Salaries And Other Employee Benefits	14.05M	14.26M	14.75M	15.34M	16.7M
Occupancy Expense	1.74M	1.81M	1.73M	1.88M	2.37M
Selling General & Admin Expenses, Total	5.35M	5.52M	5.67M	6.47M	6.4M
(Income) Loss on Real Estate Property	19K	-	-	-	-
Total Other Non Interest Expense	3.37M	3.5M	3.88M	4.14M	4.09M
Non Interest Expense, Total	24.53M	25.09M	26.03M	27.83M	29.56M
EBT, Excl. Unusual Items	13.68M	14.24M	15.05M	14.17M	19.91M
EBT, Incl. Unusual Items	13.68M	14.24M	15.05M	14.17M	19.91M
Income Tax Expense	2.24M	2.32M	2.25M	2.22M	3.53M
Earnings From Continuing Operations	11.44M	11.92M	12.8M	11.95M	16.38M
Net Income to Company	11.44M	11.92M	12.8M	11.95M	16.38M
Minority Interest	-13K	-13K	-13K	-13K	-13K
Net Income - (IS)	11.42M	11.9M	12.79M	11.94M	16.37M
Net Income to Common Incl Extra Items	11.42M	11.9M	12.79M	11.94M	16.37M
Net Income to Common Excl. Extra Items	11.42M	11.9M	12.79M	11.94M	16.37M
Per Share Items
Net EPS - Basic	3.41	3.55	3.82	3.57	4.89
Basic EPS - Continuing Operations	3.41	3.55	3.82	3.57	4.89
Basic Weighted Average Shares Outstanding	3.35M	3.36M	3.35M	3.35M	3.35M
Net EPS - Diluted	3.41	3.55	3.82	3.57	4.89
Diluted EPS - Continuing Operations	3.41	3.55	3.82	3.57	4.89
Diluted Weighted Average Shares Outstanding	3.35M	3.36M	3.35M	3.35M	3.35M
Normalized Basic EPS	2.55	2.65	2.81	2.64	3.72
Normalized Diluted EPS	2.55	2.65	2.81	2.64	3.71
Dividend Per Share	1.04	1.04	1.08	1.12	1.2
Payout Ratio	30.72	29.47	28.31	31.45	24.57
Supplemental Items
Effective Tax Rate - (Ratio)	16.38	16.3	14.94	15.64	17.73
Current Domestic Taxes	-	-	-	-	4.43M
Total Current Taxes	2.37M	2.44M	2.95M	2.77M	4.43M
Deferred Domestic Taxes	-	-	-	-	-900K
Total Deferred Taxes	-131K	-118K	-698K	-551K	-900K
Normalized Net Income	8.54M	8.88M	9.39M	8.84M	12.43M
Non-Cash Pension Expense	26K	23K	20K	18K	16K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	487K	436K	252K	202K	104K
Total Stock-Based Compensation	487K	436K	252K	202K	104K

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	173M	66.3M	38.67M	106M	137M
Investment Securities, Total	349M	383M	355M	287M	242M
Mortgage Backed Securities	111M	93.22M	97.22M	115M	193M
Total investments	460M	476M	453M	403M	434M
Gross Loans	516M	609M	663M	641M	664M
Allowance For Loan Losses	-6.08M	-6.77M	-8M	-9.28M	-10.11M
Other Adjustments to Gross Loans	-26.64M	-44.69M	-40.88M	-200K	-246K
Net Loans	483M	558M	614M	631M	654M
Gross Property Plant And Equipment	28.86M	29.06M	29.3M	28.67M	28.09M
Accumulated Depreciation	-13.62M	-14.35M	-14.86M	-14.49M	-13.73M
Net Property Plant And Equipment	15.24M	14.71M	14.44M	14.18M	14.36M
Goodwill	6.47M	6.47M	6.47M	6.47M	6.47M
Other Intangibles, Total	526K	379K	232K	86K	0
Investment in FHLB	1.99M	1.84M	1.84M	1.84M	1.84M
Loans Held For Sale	2.41M	793K	800K	472K	1.46M
Accrued Interest Receivable	3.43M	4.28M	4.79M	4.58M	5.1M
Restricted Cash	-	-	-	-	-
Other Real Estate Owned And Foreclosed	36K	-	-	-	-
Other Long-Term Assets, Total	11.15M	22.51M	23.58M	20M	17.07M
Total Assets	1.16B	1.15B	1.16B	1.19B	1.27B
Liabilities
Accrued Expenses, Total	5.85M	4.57M	3.89M	3.9M	4.46M
Interest Bearing Deposits	785M	800M	790M	826M	834M
Institutional Deposits	7.76M	5.27M	29.93M	42.81M	69.4M
Non-Interest Bearing Deposits	243M	255M	206M	198M	220M
Total Deposits	1.04B	1.06B	1.03B	1.07B	1.12B
Short-Term Borrowings	-	-	21.5M	-	-
Current Portion of Leases	19K	19K	19K	-	-
Long-Term Leases	41K	23K	4K	-	-
Accrued Interest Payable	97K	123K	1.21M	1.92M	2.2M
Other Non Current Liabilities	1.1M	996K	698K	548K	4.44M
Total Liabilities	1.04B	1.07B	1.05B	1.07B	1.13B
Common Stock, Total	38K	38K	38K	38K	38K
Additional Paid In Capital	41.68M	41.64M	41.59M	41.68M	41.82M
Retained Earnings	80.07M	88.46M	97.1M	105M	118M
Treasury Stock	-8.66M	-8.69M	-9.22M	-9.28M	-9.88M
Comprehensive Income and Other	701K	-36.29M	-24.28M	-23.12M	-11.82M
Total Common Equity	114M	85.16M	105M	115M	138M
Minority Interest	112K	112K	112K	112K	112K
Total Equity	114M	85.27M	105M	115M	138M
Total Liabilities And Equity	1.16B	1.15B	1.16B	1.19B	1.27B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.37M	3.36M	3.35M	3.36M	3.35M
ECS Total Common Shares Outstanding	3.37M	3.37M	3.35M	3.35M	3.34M
Book Value / Share	33.75	25.26	31.41	34.19	41.23
Tangible Book Value	107M	78.31M	98.53M	108M	131M
Tangible Book Value Per Share	31.67	23.23	29.41	32.23	39.3
Average Assets	1.09B	1.15B	1.14B	1.17B	1.22B
Average Loans	498M	530M	591M	634M	652M
Total Debt	60K	42K	21.52M	0	0
Deposits at Interest - Cash	3.94M	3.82M	3.17M	5.48M	110M
Federal Funds Sold	145M	37.25M	15.49M	82.02M	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	313K	269K	231K	190K	146K
Net Debt	-177M	-69.93M	-21.07M	-109M	-139M
Equity Method Investments, Total	1M	1M	1M	965K	910K
Full Time Employees	182	184	177	173	176
Part Time Employees	39	30	35	39	40
Number Of Offices	18	18	18	18	17

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	11.42M	11.9M	12.79M	11.94M	16.37M
Depreciation, Depletion & Amortization	996K	923K	881K	950K	1M
Amortization of Goodwill and Intangible Assets - (CF)	147K	147K	147K	147K	86K
Total Depreciation, Depletion & Amortization	1.14M	1.07M	1.03M	1.1M	1.09M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-2.44M	-833K	-421K	-554K	-792K
(Gain) Loss On Sale of Asset - (CF)	5K	-15K	-	-7K	12K
(Gain) Loss on Sale of Investments - (CF)	1.89M	2.43M	1.75M	1.42M	681K
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	-325K	950K	1.14M	1.45M	1.14M
Stock-Based Compensation (CF)	487K	436K	252K	202K	104K
Net (Increase) Decrease in Loans Originated / Sold - Operating	7.97M	2.45M	414K	882K	-200K
Changes in Accrued Interest Receivable	4K	-855K	-503K	213K	-525K
Changes in Accrued Interest Payable	-56K	26K	1.09M	713K	273K
Change in Other Net Operating Assets (Collected)	1.3M	-1.28M	-4.68M	3.33M	855K
Other Operating Activities	237K	250K	1.3M	1.66M	2.28M
Cash from Operations	21.63M	16.53M	14.16M	22.34M	21.28M
Capital Expenditure	-288K	-415K	-627K	-717K	-1.35M
Sale of Property, Plant, and Equipment	65K	-	-	7K	-
Investment in Marketable and Equity Securities, Total	-174M	-68.2M	34.83M	47.96M	-17.2M
Net (Increase) Decrease in Loans Originated / Sold - Investing	17.28M	-75.61M	-58.22M	-18.24M	-24.04M
Other Investing Activities, Total	45K	191K	64K	-	764K
Cash from Investing	-156M	-144M	-23.95M	29.01M	-41.83M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	-	-	354M	168M	-
Total Debt Issued	-	-	354M	168M	-
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-	-333M	-189M	-
Total Debt Repaid	-	-	-333M	-189M	-
Repurchase of Common Stock	-125K	-26K	-525K	-64K	-595K
Common Dividends Paid	-3.51M	-3.51M	-3.62M	-3.76M	-4.02M
Common & Preferred Stock Dividends Paid	-3.51M	-3.51M	-3.62M	-3.76M	-4.02M
Net Increase (Decrease) in Deposit Accounts - (CF)	135M	24.83M	-35.18M	41.23M	56.55M
Other Financing Activities, Total	-13K	-13K	-13K	-13K	-13K
Cash from Financing	131M	21.29M	-17.84M	15.9M	51.92M
Net Change in Cash	-3.38M	-106M	-27.63M	67.25M	31.37M
Supplemental Items
Cash Interest Paid	1.18M	1.57M	7.93M	13.97M	14.42M
Cash Income Tax Paid (Refund)	1.97M	2.33M	1.83M	154K	194K
Net Debt Issued / Repaid	-	-	21.5M	-21.5M	-

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.05	1.03	1.11	1.02	1.33
Return On Equity %	10.18	11.96	13.43	10.86	12.97
Return on Common Equity	10.18	11.96	13.44	10.86	12.97
Shareholders Value Added	-1.9M	110K	1.51M	-1.1M	1.31M
Margin Analysis
SG&A Margin	55.33	54.89	53.93	56.41	51.49
Net Interest Income / Total Revenues %	74.15	82.26	84.2	85.22	85.2
EBT Excl. Non-Recurring Items Margin %	35.8	36.2	36.64	33.74	40.24
Income From Continuing Operations Margin %	29.93	30.3	31.17	28.46	33.11
Net Income Margin %	29.9	30.27	31.14	28.43	33.08
Net Avail. For Common Margin %	29.9	30.27	31.14	28.43	33.08
Normalized Net Income Margin	22.34	22.59	22.87	21.06	25.13
Asset quality
Nonperforming Loans / Total Loans %	0.26	0.24	0.26	0.68	0.65
Nonperforming Loans / Total Assets %	0.11	0.13	0.15	0.37	0.34
Nonperforming Assets / Total Assets %	0.12	0.13	0.15	0.37	0.34
NPAs / Loans and OREO	0.26	0.24	0.26	0.68	0.65
NPAs / Equity	1.2	1.75	1.66	3.82	3.15
Allowance for Credit Losses / Net Charge-offs %	2.8K	2.59K	1.71K	5.36K	3.19K
Allowance for Credit Losses / Nonperforming Loans %	457.37	454.5	457.17	211.8	232.31
Allowance for Credit Losses / Total Loans %	1.18	1.11	1.21	1.45	1.52
Net Charge-offs / Total Average Loans %	0.04	0.05	0.08	0.03	0.05
Provision for Loan Losses / Net Charge-offs %	-149.77	363.98	243.28	837.57	360.88
Earning Assets / IBL	139.51	140.23	138.88	134.25	134.3
Interest Income / Average Assets	2.71	2.94	3.81	4.32	4.64
Interest Expense / Average Assets	0.1	0.14	0.79	1.26	1.2
Net Interest Income / Average Assets	2.61	2.8	3.02	3.06	3.44
Non Interest Income / Average Assets	0.88	0.69	0.67	0.65	0.69
Non Interest Expense / Average Asset	2.26	2.17	2.28	2.38	2.41
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.32	8.62	8.24	9.37	10.26
Total Average Equity / Total Average Assets %	10.33	8.63	8.25	9.38	10.27
Total Equity + Allowance for Loan Losses / Total Loans %	23.24	15.08	17.07	19.34	22.26
Gross Loans / Total Deposits %	49.83	57.47	64.7	60.08	59.17
Net Loans / Total Deposits %	46.67	52.62	59.93	59.19	58.25
Tier 1 Capital Ratio %	-	-	-	-	-
Total Capital Ratio %	-	-	-	-	-
Core Tier 1 Capital Ratio	-	-	-	-	-
Coverage Ratio	262.76	349.97	-	108.98	147.45
Leverage Ratio %	8.84	9.18	9.92	10.57	11.01
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	20.4	10.74	-
EBT + Interest Expense / Interest Expense	13.12	9.93	2.67	1.97	2.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.88	14.17	6.93	3.48	17.77
Non Interest Income, 1 Yr. Growth %	11.07	-17	-3.72	0.31	10.57
Provision For Loan Losses, 1 Yr. Growth %	-118.05	-392.31	20.11	26.99	-21.05
Total Revenues, 1 Yr. Growth %	9.53	2.92	4.47	2.23	17.8
Earnings From Cont. Operations, 1 Yr. Growth %	12.75	4.18	7.45	-6.64	37.04
Net Income, 1 Yr. Growth %	12.76	4.18	7.46	-6.65	37.08
Normalized Net Income, 1 Yr. Growth %	15.58	4.09	5.74	-5.87	40.57
Diluted EPS Before Extra, 1 Yr. Growth %	12.91	4.03	7.68	-6.59	37.04
Dividend Per Share, 1 Yr. Growth %	8.33	0	3.85	3.7	7.14
Gross Loans, 1 Yr. Growth %	-2.09	18.1	8.84	2.9	3.71
Allowance For Loan Losses, 1 Yr. Growth %	-8.18	11.33	18.21	15.94	8.91
Net Loans, 1 Yr. Growth %	-3.41	15.45	10.12	2.73	3.63
Non Performing Loans, 1 Yr. Growth %	-9.22	12.03	17.52	150.26	-0.71
Non Performing Assets, 1 Yr. Growth %	-6.76	9.08	17.52	150.26	-0.71
Total Assets, 1 Yr. Growth %	13.67	-0.45	0.56	2.56	7.11
Total Deposits, 1 Yr Growth %	15	2.4	-3.32	4.02	5.3
Tangible Book Value, 1 Yr. Growth %	3.22	-26.7	25.82	9.65	21.55
Average Interest Earning Assets, 1 Yr. Growth %	21.09	9.86	-0.18	1.55	4.27
Average Interest Bearing Liabilities, 1 Yr. Growth %	19.28	9.29	0.79	5.05	4.24
Common Equity, 1 Yr. Growth %	2.88	-25.19	23.57	8.9	20.24
Total Equity, 1 Yr. Growth %	2.88	-25.16	23.54	8.89	20.22
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.97	7.32	10.49	5.19	10.39
Non Interest Income, 2 Yr. CAGR %	17.43	-3.99	-10.61	-1.72	5.32
Provision For Loan Losses, 2 Yr. CAGR %	-52.24	-27.37	87.37	23.5	0.13
Total Revenues, 2 Yr. CAGR %	3.61	6.17	3.69	3.34	9.74
Earnings From Cont. Operations, 2 Yr. CAGR %	5.18	8.38	5.8	0.16	13.11
Net Income, 2 Yr. CAGR %	5.19	8.39	5.81	0.16	13.12
Normalized Net Income, 2 Yr. CAGR %	5.35	9.68	4.91	-0.23	15.03
Diluted EPS Before Extra, 2 Yr. CAGR %	5.05	8.38	5.84	0.29	13.14
Dividend Per Share, 2 Yr. CAGR %	4.63	4.08	1.9	3.77	5.41
Gross Loans, 2 Yr. CAGR %	2.13	7.53	13.38	2.53	3.31
Allowance For Loan Losses, 2 Yr. CAGR %	9.63	1.1	14.72	17.07	12.37
Net Loans, 2 Yr. CAGR %	1.78	5.6	12.75	6.36	3.18
Non Performing Loans, 2 Yr. CAGR %	-13.51	0.85	14.74	71.49	57.63
Non Performing Assets, 2 Yr. CAGR %	-16.26	0.85	13.22	71.49	57.63
Total Assets, 2 Yr. CAGR %	18.22	6.37	0.06	1.56	4.81
Total Deposits, 2 Yr CAGR %	19.75	8.52	-0.5	0.28	4.66
Tangible Book Value, 2 Yr. CAGR %	8.03	-13.02	-3.96	17.46	15.45
Average Interest Earning Assets, 2 Yr. CAGR %	16.06	15.33	4.72	0.68	2.9
Average Interest Bearing Liabilities, 2 Yr. CAGR %	13.76	14.18	4.96	2.9	4.64
Common Equity, 2 Yr. CAGR %	7.32	-12.27	-3.85	16.01	14.43
Total Equity, 2 Yr. CAGR %	7.31	-12.25	-3.85	15.99	14.42
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.28	2.43	7.19	8.1	9.23
Non Interest Income, 3 Yr. CAGR %	15.69	4.6	-3.9	-7.11	2.21
Provision For Loan Losses, 3 Yr. CAGR %	-34.72	-12.64	-14.11	64.59	6.39
Total Revenues, 3 Yr. CAGR %	5.79	3.38	5.6	3.2	7.95
Earnings From Cont. Operations, 3 Yr. CAGR %	7.27	4.85	8.07	1.48	11.19
Net Income, 3 Yr. CAGR %	7.28	4.85	8.08	1.48	11.2
Normalized Net Income, 3 Yr. CAGR %	8.68	4.93	8.35	1.19	11.85
Diluted EPS Before Extra, 3 Yr. CAGR %	7.17	4.71	8.15	1.52	11.29
Dividend Per Share, 3 Yr. CAGR %	4.17	3.06	4	2.5	4.89
Gross Loans, 3 Yr. CAGR %	3.53	7.2	7.96	7.48	2.92
Allowance For Loan Losses, 3 Yr. CAGR %	14.38	10.19	6.51	15.12	14.28
Net Loans, 3 Yr. CAGR %	3.63	6.15	7.09	9.31	5.44
Non Performing Loans, 3 Yr. CAGR %	-24.23	-5.72	6.12	48.8	42.93
Non Performing Assets, 3 Yr. CAGR %	-39.6	-8.55	6.12	47.48	42.93
Total Assets, 3 Yr. CAGR %	13.35	11.64	4.4	0.88	3.38
Total Deposits, 3 Yr CAGR %	13.86	13.66	4.42	0.98	1.93
Tangible Book Value, 3 Yr. CAGR %	10.86	-5.07	-1.63	0.38	18.81
Average Interest Earning Assets, 3 Yr. CAGR %	11.94	13.95	9.91	3.65	1.87
Average Interest Bearing Liabilities, 3 Yr. CAGR %	9.98	12.25	9.53	4.99	3.34
Common Equity, 3 Yr. CAGR %	9.86	-4.84	-1.66	0.23	17.4
Total Equity, 3 Yr. CAGR %	9.85	-4.84	-1.65	0.22	17.38
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.96	5.26	4.87	3.53	8.46
Non Interest Income, 5 Yr. CAGR %	9.14	3.43	4.35	2.02	-0.31
Provision For Loan Losses, 5 Yr. CAGR %	-12.81	0.75	-0.47	0.33	-8.68
Total Revenues, 5 Yr. CAGR %	5.78	5	4.94	3.36	7.24
Earnings From Cont. Operations, 5 Yr. CAGR %	10.71	9.84	6.68	2.95	10.06
Net Income, 5 Yr. CAGR %	10.73	9.86	6.69	2.95	10.07
Normalized Net Income, 5 Yr. CAGR %	7.8	6.18	7.15	2.83	10.98
Diluted EPS Before Extra, 5 Yr. CAGR %	10.71	9.73	6.64	2.92	10.12
Dividend Per Share, 5 Yr. CAGR %	4.36	3.87	3.26	3.35	4.56
Gross Loans, 5 Yr. CAGR %	5.04	6.81	7.36	5.31	4.74
Allowance For Loan Losses, 5 Yr. CAGR %	12.43	13.26	14.51	12.89	8.82
Net Loans, 5 Yr. CAGR %	4.86	6.38	7.19	6.23	5.51
Non Performing Loans, 5 Yr. CAGR %	-15.15	-12.02	-10.55	19.77	24.32
Non Performing Assets, 5 Yr. CAGR %	-29.24	-26.18	-22.34	17.6	24.32
Total Assets, 5 Yr. CAGR %	9.24	8.69	7.83	7.49	4.56
Total Deposits, 5 Yr CAGR %	9.27	9.8	7.88	8.11	4.52
Tangible Book Value, 5 Yr. CAGR %	9.46	1.32	4.68	3.37	4.88
Average Interest Earning Assets, 5 Yr. CAGR %	8.39	9.71	9	8.45	7.05
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.7	8.19	7.94	8.41	7.55
Common Equity, 5 Yr. CAGR %	8.49	1.02	4.16	3	4.49
Total Equity, 5 Yr. CAGR %	8.48	1.02	4.15	3	4.48