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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data
3 Months Ended9 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Sep. 30, 2011
Sep. 30, 2010
INTEREST INCOME    
Loans, including fees$ 4,300$ 4,684$ 12,990$ 14,056
Securities:    
Taxable5205091,4711,629
Tax-exempt254272796795
Federal Home Loan Bank dividends2096644
Fed funds sold and interest bearing deposits with banks792721
Total interest income5,1015,48315,35016,545
INTEREST EXPENSE    
Deposits7391,0482,4473,434
Retail repurchase agreements14214855
Advances from Federal Home Loan Bank144257460779
Total interest expense8971,3262,9554,268
Net interest income4,2044,15712,39512,277
Provision for loan losses4005901,3251,470
Net interest income after provision for loan losses3,8043,56711,07010,807
NON-INTEREST INCOME    
Service charges on deposit accounts7507152,1572,029
Commission income6133143109
Gain (loss) on sale of securities110(8)0
Gain on sale of mortgage loans169194394473
Mortgage brokerage fees90390
Increase in cash surrender value of life insurance5054154164
Other income24247371
Total non-interest income1,0741,0202,9522,846
NON-INTEREST EXPENSE    
Compensation and benefits1,8831,7925,5945,302
Occupancy and equipment3123569521,041
Data processing297285878529
Professional fees151158464548
Advertising7254185145
Other operating expenses6166701,8812,035
Total non-interest expense3,3313,3159,9549,600
Income before income taxes1,5471,2724,0684,053
Income tax expense4513591,1281,144
Net Income1,0969132,9402,909
Less: net income attributable to noncontrolling interest in subsidiary331010
Net Income Attributable to First Capital, Inc.1,0939102,9302,899
Unrealized gain on securities available for sale:    
Unrealized holding gains arising during the period4303731,297962
Less: reclassification adjustment(7)050
Other comprehensive income4233731,302962
Comprehensive Income$ 1,516$ 1,283$ 4,232$ 3,861
Earnings per common share attributable to First Capital, Inc.    
Basic$ 0.39$ 0.33$ 1.05$ 1.04
Diluted$ 0.39$ 0.33$ 1.05$ 1.04
Dividends per share$ 0.19$ 0.19$ 0.57$ 0.55