XML 43 R4.htm IDEA: XBRL DOCUMENT v3.2.0.727
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2015
Jun. 30, 2014
Jun. 30, 2015
Jun. 30, 2014
Loans, including fees $ 3,963 $ 4,036 $ 7,893 $ 7,874
Securities:        
Taxable 268 303 530 620
Tax-exempt 244 274 490 564
Federal Home Loan Bank dividends 30 26 52 65
Federal funds sold and interest bearing deposits with banks 50 24 86 42
Total interest income 4,555 4,663 9,051 9,165
INTEREST EXPENSE        
Deposits 239 291 482 580
Retail repurchase agreements 0 6 0 12
Advances from Federal Home Loan Bank 0 0 0 3
Total interest expense 239 297 482 595
Net interest income 4,316 4,366 8,569 8,570
Provision for loan losses 50 90 50 115
Net interest income after provision for loan losses 4,266 4,276 8,519 8,455
NONINTEREST INCOME        
Service charges on deposit accounts 856 822 1,630 1,545
Commission income 85 120 184 198
Gain on sale of securities 0 54 0 54
Gain on sale of loans 178 212 486 319
Mortgage brokerage fees 33 9 46 14
Increase in cash surrender value of life insurance 34 40 67 77
Other income 28 30 165 59
Total noninterest income 1,214 1,287 2,578 2,266
NONINTEREST EXPENSE        
Compensation and benefits 1,971 1,836 3,981 3,671
Occupancy and equipment 312 293 623 612
Data processing 406 397 830 764
Professional fees 380 153 581 298
Advertising 79 69 148 133
Other operating expenses 613 601 1,277 1,170
Total noninterest expense 3,761 3,349 7,440 6,648
Income before income taxes 1,719 2,214 3,657 4,073
Income tax expense 487 692 956 1,251
Net Income 1,232 1,522 2,701 2,822
Less: net income attributable to noncontrolling interest in subsidiary 4 4 7 7
Net Income Attributable to First Capital, Inc. $ 1,228 $ 1,518 $ 2,694 $ 2,815
Earnings per common share attributable to First Capital, Inc.        
Basic (in Dollars per share) $ 0.45 $ 0.55 $ 0.98 $ 1.02
Diluted (in Dollars per share) 0.45 0.55 0.98 1.02
Dividends per share (in Dollars per share) $ 0.21 $ 0.21 $ 0.42 $ 0.42