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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, 2014
Jun. 30, 2013
Jun. 30, 2014
Jun. 30, 2013
INTEREST INCOME        
Loans, including fees $ 4,036 $ 3,925 $ 7,874 $ 7,849
Securities:        
Taxable 303 315 620 663
Tax-exempt 274 267 564 534
Federal Home Loan Bank dividends 26 24 65 49
Federal funds sold and interest bearing deposits with banks 24 23 42 35
Total interest income 4,663 4,554 9,165 9,130
INTEREST EXPENSE        
Deposits 291 386 580 790
Retail repurchase agreements 6 7 12 15
Advances from Federal Home Loan Bank 0 47 3 93
Total interest expense 297 440 595 898
Net interest income 4,366 4,114 8,570 8,232
Provision for loan losses 90 225 115 475
Net interest income after provision for loan losses 4,276 3,889 8,455 7,757
NONINTEREST INCOME        
Service charges on deposit accounts 822 783 1,545 1,504
Commission income 120 76 198 195
Gain on sale of securities 54 0 54 21
Gain on sale of mortgage loans 212 258 319 481
Mortgage brokerage fees 9 6 14 17
Increase in cash surrender value of life insurance 40 42 77 84
Other income 30 23 59 48
Total noninterest income 1,287 1,188 2,266 2,350
NONINTEREST EXPENSE        
Compensation and benefits 1,836 1,724 3,671 3,475
Occupancy and equipment 293 278 612 599
Data processing 397 365 764 711
Professional fees 153 202 298 370
Advertising 69 71 133 109
Other operating expenses 601 666 1,170 1,364
Total noninterest expense 3,349 3,306 6,648 6,628
Income before income taxes 2,214 1,771 4,073 3,479
Income tax expense 692 557 1,251 1,068
Net Income 1,522 1,214 2,822 2,411
Less: net income attributable to noncontrolling interest in subsidiary 4 4 7 7
Net Income Attributable to First Capital, Inc. $ 1,518 $ 1,210 $ 2,815 $ 2,404
Earnings per common share attributable to First Capital, Inc.        
Basic $ 0.55 $ 0.43 $ 1.02 $ 0.86
Diluted $ 0.55 $ 0.43 $ 1.02 $ 0.86
Dividends per share $ 0.21 $ 0.20 $ 0.42 $ 0.40