XML 14 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
INTEREST INCOME        
Loans, including fees $ 4,011 $ 4,020 $ 11,860 $ 12,028
Securities:        
Taxable 307 425 970 1,280
Tax-exempt 287 245 821 708
Federal Home Loan Bank dividends 25 21 74 66
Federal funds sold and interest bearing deposits with banks 19 11 54 37
Total interest income 4,649 4,722 13,779 14,119
INTEREST EXPENSE        
Deposits 355 469 1,145 1,594
Retail repurchase agreements 7 8 22 29
Advances from Federal Home Loan Bank 46 98 139 305
Total interest expense 408 575 1,306 1,928
Net interest income 4,241 4,147 12,473 12,191
Provision for loan losses 100 350 575 1,125
Net interest income after provision for loan losses 4,141 3,797 11,898 11,066
NONINTEREST INCOME        
Service charges on deposit accounts 823 756 2,327 2,187
Commission income 102 63 297 143
Gain on sale of securities 8 29 29 29
Gain on sale of mortgage loans 194 207 675 712
Mortgage brokerage fees 20 3 37 22
Increase in cash surrender value of life insurance 38 43 122 138
Other income 26 25 74 70
Total noninterest income 1,211 1,126 3,561 3,301
NONINTEREST EXPENSE        
Compensation and benefits 1,757 2,471 5,232 6,171
Occupancy and equipment 281 321 880 932
Data processing 373 336 1,084 993
Professional fees 164 150 534 462
Advertising 80 68 189 180
Other operating expenses 615 637 1,979 1,938
Total noninterest expense 3,270 3,983 9,898 10,676
Income before income taxes 2,082 940 5,561 3,691
Income tax expense 653 218 1,721 1,008
Net Income 1,429 722 3,840 2,683
Less: net income attributable to noncontrolling interest in subsidiary 3 3 10 10
Net Income Attributable to First Capital, Inc. $ 1,426 $ 719 $ 3,830 $ 2,673
Earnings per common share attributable to First Capital, Inc.        
Basic $ 0.51 $ 0.26 $ 1.38 $ 0.96
Diluted $ 0.51 $ 0.26 $ 1.38 $ 0.96
Dividends per share $ 0.20 $ 0.19 $ 0.60 $ 0.57