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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Loans, including fees $ 5,283 $ 4,940 $ 15,363 $ 15,106
Securities:        
Taxable 969 861 2,875 2,424
Tax-exempt 368 279 1,059 862
Federal Home Loan Bank dividends 20 16 53 49
Federal funds sold and interest bearing deposits with banks 88 119 299 409
Total interest income 6,728 6,215 19,649 18,850
INTEREST EXPENSE        
Deposits 336 414 1,041 1,370
Advances from Federal Home Loan Bank 7 0 7 0
Total interest expense 343 414 1,048 1,370
Net interest income 6,385 5,801 18,601 17,480
Provision for loan losses 150 200 617 425
Net interest income after provision for loan losses 6,235 5,601 17,984 17,055
NONINTEREST INCOME        
Service charges on deposit accounts 1,155 1,046 3,288 2,968
Commission income 106 112 351 306
Gain (loss) on sale of securities (7) 0 54 176
Gain on sale of loans 417 371 1,028 889
Increase in cash surrender value of life insurance 41 40 154 143
Other income 36 181 182 251
Total noninterest income 1,748 1,750 5,057 4,733
NONINTEREST EXPENSE        
Compensation and benefits 2,842 2,681 8,276 8,018
Occupancy and equipment 389 447 1,158 1,222
Data processing 696 650 2,022 1,784
Professional fees 190 189 522 626
Advertising 94 74 269 249
Net (gain) loss on foreclosed real estate (66) (57) 145 85
Other operating expenses 901 940 2,612 2,774
Total noninterest expense 5,046 4,924 15,004 14,758
Income before income taxes 2,937 2,427 8,037 7,030
Income tax expense 825 666 2,175 1,897
Net Income 2,112 1,761 5,862 5,133
Less: net income attributable to noncontrolling interest in subsidiary 3 3 10 10
Net Income Attributable to First Capital, Inc. $ 2,109 $ 1,758 $ 5,852 $ 5,123
Earnings per common share attributable to First Capital, Inc.        
Basic (in dollars per share) $ 0.63 $ 0.53 $ 1.76 $ 1.53
Diluted (in dollars per share) 0.63 0.53 1.76 1.53
Dividends per share (in dollars per share) $ 0.22 $ 0.21 $ 0.64 $ 0.63