XML 35 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
INTEREST INCOME    
Loans, including fees $ 17,179 $ 18,607
Securities:    
Taxable 1,936 2,068
Tax-exempt 1,039 1,060
Federal Home Loan Bank dividends 81 64
Federal funds sold and interest-bearing deposits in banks 38 35
Total interest income 20,273 21,834
INTEREST EXPENSE    
Deposits 3,116 4,419
Retail repurchase agreements 59 73
Advances from Federal Home Loan Bank 585 1,010
Total interest expense 3,760 5,502
Net interest income 16,513 16,332
Provision for loan losses 1,825 2,037
Net interest income after provision for loan losses 14,688 14,295
NONINTEREST INCOME    
Service charges on deposit accounts 2,884 2,726
Commission and fee income 176 132
Loss on sale of securities (8) 0
Other than temporary impairment loss on securities (36) 0
Gain on sale of mortgage loans 690 739
Mortgage brokerage fee income 50 0
Increase in cash surrender value of life insurance 202 217
Other income 93 92
Total noninterest income 4,051 3,906
NONINTEREST EXPENSE    
Compensation and benefits 7,446 7,019
Occupancy and equipment 1,261 1,373
Data processing 1,202 810
Professional fees 599 654
Advertising 275 208
Other expenses 2,428 2,698
Total noninterest expense 13,211 12,762
Income before income taxes 5,528 5,439
Income tax expense 1,543 1,561
Net Income 3,985 3,878
Less net income attributable to the noncontrolling interest in subsidiary 13 13
Net Income Attributable to First Capital, Inc. $ 3,972 $ 3,865
Earnings per common share attributable to First Capital, Inc.    
Basic $ 1.43 $ 1.39
Diluted $ 1.43 $ 1.39
Dividends per share on common shares $ 0.76 $ 0.74