XML 43 R4.htm IDEA: XBRL DOCUMENT v3.3.0.814
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Loans, including fees $ 3,983 $ 4,057 $ 11,876 $ 11,931
Securities:        
Taxable 267 289 797 909
Tax-exempt 243 249 733 813
Federal Home Loan Bank dividends 20 27 72 92
Federal funds sold and interest bearing deposits with banks 40 24 126 66
Total interest income 4,553 4,646 13,604 13,811
INTEREST EXPENSE        
Deposits 220 278 702 858
Retail repurchase agreements 0 0 0 12
Advances from Federal Home Loan Bank 0 2 0 5
Total interest expense 220 280 702 875
Net interest income 4,333 4,366 12,902 12,936
Provision for loan losses 0 75 50 190
Net interest income after provision for loan losses 4,333 4,291 12,852 12,746
NONINTEREST INCOME        
Service charges on deposit accounts 897 816 2,527 2,361
Commission income 121 237 305 435
Gain on sale of securities 0 0 0 54
Gain on sale of mortgage loans 131 180 617 499
Mortgage brokerage fees 15 15 61 29
Increase in cash surrender value of life insurance 34 35 101 112
Other income 28 155 193 214
Total noninterest income 1,226 1,438 3,804 3,704
NONINTEREST EXPENSE        
Compensation and benefits 1,885 1,957 5,866 5,628
Occupancy and equipment 317 298 940 910
Data processing 441 404 1,271 1,168
Professional fees 258 138 839 436
Advertising 92 82 240 215
Other operating expenses 658 712 1,935 1,882
Total noninterest expense 3,651 3,591 11,091 10,239
Income before income taxes 1,908 2,138 5,565 6,211
Income tax expense 507 611 1,463 1,862
Net Income 1,401 1,527 4,102 4,349
Less: net income attributable to noncontrolling interest in subsidiary 3 3 10 10
Net Income Attributable to First Capital, Inc. $ 1,398 $ 1,524 $ 4,092 $ 4,339
Earnings per common share attributable to First Capital, Inc.        
Basic (in Dollars per share) $ 0.51 $ 0.56 $ 1.49 $ 1.57
Diluted (in Dollars per share) 0.51 0.56 1.49 1.57
Dividends per share (in Dollars per share) $ 0.21 $ 0.21 $ 0.63 $ 0.63