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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
INTEREST INCOME        
Loans, including fees $ 3,985 $ 4,351 $ 8,008 $ 8,690
Securities:        
Taxable 421 498 855 951
Tax-exempt 230 271 463 542
Federal Home Loan Bank dividends 22 19 45 46
Federal funds sold and interest bearing deposits with banks 18 11 26 20
Total interest income 4,676 5,150 9,397 10,249
INTEREST EXPENSE        
Deposits 539 830 1,125 1,708
Retail repurchase agreements 9 18 21 34
Advances from Federal Home Loan Bank 102 158 207 316
Total interest expense 650 1,006 1,353 2,058
Net interest income 4,026 4,144 8,044 8,191
Provision for loan losses 300 425 775 925
Net interest income after provision for loan losses 3,726 3,719 7,269 7,266
NON INTEREST INCOME        
Service charges on deposit accounts 744 733 1,431 1,407
Commission income 36 52 80 82
Loss on sale of securities 0 (19) 0 (19)
Gain on sale of mortgage loans 247 100 505 225
Mortgage brokerage fees 6 16 19 30
Increase in cash surrender value of life insurance 47 51 95 104
Other income 20 22 45 49
Total non interest income 1,100 955 2,175 1,878
NON INTEREST EXPENSE        
Compensation and benefits 1,814 1,881 3,700 3,711
Occupancy and equipment 305 311 611 640
Data processing 333 291 657 581
Professional fees 159 164 312 313
Advertising 65 83 112 113
Other operating expenses 684 641 1,301 1,265
Total non interest expense 3,360 3,371 6,693 6,623
Income before income taxes 1,466 1,303 2,751 2,521
Income tax expense 427 358 790 677
Net Income 1,039 945 1,961 1,844
Less: net income attributable to noncontrolling interest in subsidiary 4 4 7 7
Net Income Attributable to First Capital, Inc. $ 1,035 $ 941 $ 1,954 $ 1,837
Earnings per common share attributable to First Capital, Inc.        
Basic $ 0.37 $ 0.34 $ 0.70 $ 0.66
Diluted $ 0.37 $ 0.34 $ 0.70 $ 0.66
Dividends per share $ 0.19 $ 0.19 $ 0.38 $ 0.38