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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
INTEREST INCOME        
Loans, including fees $ 4,020 $ 4,300 $ 12,028 $ 12,990
Securities:        
Taxable 425 520 1,280 1,471
Tax-exempt 245 254 708 796
Federal Home Loan Bank dividends 21 20 66 66
Federal funds sold and interest bearing deposits with banks 11 7 37 27
Total interest income 4,722 5,101 14,119 15,350
INTEREST EXPENSE        
Deposits 469 739 1,594 2,447
Retail repurchase agreements 8 14 29 48
Advances from Federal Home Loan Bank 98 144 305 460
Total interest expense 575 897 1,928 2,955
Net interest income 4,147 4,204 12,191 12,395
Provision for loan losses 350 400 1,125 1,325
Net interest income after provision for loan losses 3,797 3,804 11,066 11,070
NONINTEREST INCOME        
Service charges on deposit accounts 756 750 2,187 2,157
Commission income 63 61 143 143
Gain (loss) on sale of securities 29 11 29 (8)
Gain on sale of mortgage loans 207 169 712 394
Mortgage brokerage fees 3 9 22 39
Increase in cash surrender value of life insurance 43 50 138 154
Other income 25 24 70 73
Total noninterest income 1,126 1,074 3,301 2,952
NONINTEREST EXPENSE        
Compensation and benefits 2,471 1,883 6,171 5,594
Occupancy and equipment 321 312 932 952
Data processing 336 297 993 878
Professional fees 150 151 462 464
Advertising 68 72 180 185
Other operating expenses 637 616 1,938 1,881
Total noninterest expense 3,983 3,331 10,676 9,954
Income before income taxes 940 1,547 3,691 4,068
Income tax expense 218 451 1,008 1,128
Net Income 722 1,096 2,683 2,940
Less: net income attributable to noncontrolling interest in subsidiary 3 3 10 10
Net Income Attributable to First Capital, Inc. $ 719 $ 1,093 $ 2,673 $ 2,930
Earnings per common share attributable to First Capital, Inc.        
Basic $ 0.26 $ 0.39 $ 0.96 $ 1.05
Diluted $ 0.26 $ 0.39 $ 0.96 $ 1.05
Dividends per share $ 0.19 $ 0.19 $ 0.57 $ 0.57