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Consolidated Statements of Income (Unaudited) - USD ($)
3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Loans, including fees $ 4,940,000 $ 3,983,000 $ 15,106,000 $ 11,876,000
Securities:        
Taxable 861,000 267,000 2,424,000 797,000
Tax-exempt 279,000 243,000 862,000 733,000
Federal Home Loan Bank dividends 16,000 20,000 49,000 72,000
Federal funds sold and interest bearing deposits with banks 119,000 40,000 409,000 126,000
Total interest income 6,215,000 4,553,000 18,850,000 13,604,000
INTEREST EXPENSE        
Deposits 414,000 220,000 1,370,000 702,000
Total interest expense 414,000 220,000 1,370,000 702,000
Net interest income 5,801,000 4,333,000 17,480,000 12,902,000
Provision for loan losses 200,000 0 425,000 50,000
Net interest income after provision for loan losses 5,601,000 4,333,000 17,055,000 12,852,000
NONINTEREST INCOME        
Service charges on deposit accounts 1,046,000 897,000 2,968,000 2,527,000
Commission income 112,000 121,000 306,000 305,000
Gain on sale of securities 0 0 176,000 0
Gain on sale of loans 371,000 131,000 889,000 617,000
Mortgage brokerage fees 0 15,000 0 61,000
Increase in cash surrender value of life insurance 40,000 34,000 143,000 101,000
Other income 181,000 28,000 251,000 193,000
Total noninterest income 1,750,000 1,226,000 4,733,000 3,804,000
NONINTEREST EXPENSE        
Compensation and benefits 2,681,000 1,885,000 8,018,000 5,866,000
Occupancy and equipment 447,000 317,000 1,222,000 940,000
Data processing 650,000 441,000 1,784,000 1,271,000
Professional fees 189,000 258,000 626,000 839,000
Advertising 74,000 92,000 249,000 240,000
Other operating expenses 883,000 658,000 2,859,000 1,935,000
Total noninterest expense 4,924,000 3,651,000 14,758,000 11,091,000
Income before income taxes 2,427,000 1,908,000 7,030,000 5,565,000
Income tax expense 666,000 507,000 1,897,000 1,463,000
Net Income 1,761,000 1,401,000 5,133,000 4,102,000
Less: net income attributable to noncontrolling interest in subsidiary 3,000 3,000 10,000 10,000
Net Income Attributable to First Capital, Inc. $ 1,758,000 $ 1,398,000 $ 5,123,000 $ 4,092,000
Earnings per common share attributable to First Capital, Inc.        
Basic (in dollars per share) $ 0.53 $ 0.51 $ 1.53 $ 1.49
Diluted (in dollars per share) 0.53 0.51 1.53 1.49
Dividends per share (in dollars per share) $ 0.21 $ 0.21 $ 0.63 $ 0.63