<SEC-DOCUMENT>0001171843-18-005473.txt : 20180727
<SEC-HEADER>0001171843-18-005473.hdr.sgml : 20180727
<ACCEPTANCE-DATETIME>20180727170015
ACCESSION NUMBER:		0001171843-18-005473
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20180727
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180727
DATE AS OF CHANGE:		20180727

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST CAPITAL INC
		CENTRAL INDEX KEY:			0001070296
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				352056949
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25023
		FILM NUMBER:		18975432

	BUSINESS ADDRESS:	
		STREET 1:		220 FEDERAL DRIVE N W
		CITY:			CORYDON
		STATE:			IN
		ZIP:			47112
		BUSINESS PHONE:		8127382198

	MAIL ADDRESS:	
		STREET 1:		220 FEDERAL DRIVE N W
		CITY:			CORYDON
		STATE:			IN
		ZIP:			47112
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_072718.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br /><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br /><strong>Washington, D.C. 20549</strong><br />_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br />_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--July 27, 2018-->July 27, 2018 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>FIRST CAPITAL, INC.</strong></font><br /><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>Indiana</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>0-25023</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>35-2056949</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. Employer Identification Number)</font></td></tr></table><p><font style="font-size: 10pt;">&#160;</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><font style="font-size: 10pt;"><strong>220 Federal Drive N.W., Corydon, Indiana 47112</strong><!----></font></td></tr><tr valign="top"><td align="center" width="50%"><font style="font-size: 10pt;">(Address of Principal Executive Offices) (Zip Code)</font></td></tr></table><p align="center"><font style="font-size: 10pt;"><strong>(812) 738-2198</strong><br />(Registrant's telephone number, including area code)</font></p><p align="center"><font style="font-size: 10pt;"><strong>Not Applicable</strong><br />(Former name or former address, if changed since last report)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3"><font style="font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<br /><br /></font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[  ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></td></tr></table><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934 (17 CFR&#160;&sect;240.12b-2).&#160;Emerging growth company [&#160;&#160; ]</p><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [&#160;&#160; ]</p><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div>&#160;</div><hr style="page-break-after: always;" noshade="noshade" /><p><font style="font-size: 10pt;">  <strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;">On July 27, 2018, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;">
 <p><font style="font-size:10pt; font-family:&quot;times new roman&quot;;"><a href="exh_991.htm" rel="nofollow">Exhibit 99.1</a>. Press release dated July 27, 2018</font></p> </font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade" /><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>FIRST CAPITAL, INC.</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: July 27, 2018</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ M. Chris Frederick&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">M. Chris Frederick</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Executive Vice President and Chief Financial Officer</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr></table><p /></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252" ><meta name="GENERATOR" content="MSHTML 8.00.7601.18094" ></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>First Capital, Inc. Reports Quarterly Earnings</strong></p><p style="text-align: center;" ></p><p>
 <p align="justify">CORYDON, Ind., July  27, 2018  (GLOBE NEWSWIRE) -- First Capital, Inc. (the &#8220;Company&#8221;) (NASDAQ:&#160; FCAP), the holding company for First Harrison Bank (the &#8220;Bank&#8221;), today reported net income of $2.1 million or $0.63 per diluted share for the quarter ended June 30, 2018, compared to $2.2 million or $0.66 per diluted share for the same period in 2017.&#160; The decrease in net income is primarily due to an increase in noninterest expense partially offset by an increase in net interest income after provision for loan losses and a decrease in income tax expense.</p>  <p align="justify">Net interest income after provision for loan losses increased $376,000 for the quarter ended June 30, 2018 as compared to the quarter ended June 30, 2017. Interest income increased $485,000 when comparing the two periods due to increases in the average balance of interest-earning assets from $711.1 million for the second quarter of 2017 to $728.6 million for the second quarter of 2018 and in the average tax-equivalent yield on interest-earning assets from 3.81% for the second quarter of 2017 to 3.93% for the second quarter of 2018.&#160; The increase in the average tax-equivalent yield for the quarter ended June 30, 2018 compared to the same period in 2017 is primarily due to growth in the loan portfolio and an increase in short-term interest rates.&#160; Interest expense increased $49,000 when comparing the periods as the average cost of interest-bearing liabilities increased from 0.25% to 0.28% and the average balance of interest-bearing liabilities increased from $543.9 million to $555.2 million, when comparing the two periods.&#160; As a result of the changes in interest-earning assets and interest-bearing liabilities, the interest rate spread increased from 3.56% for the quarter ended June 30, 2017 to 3.65% for the same period in 2018.</p>  <p align="justify">Based on management&#8217;s analysis of the allowance for loan losses and due primarily to growth in the loan portfolio, the provision for loan losses increased from $256,000 for the quarter ended June 30, 2017 to $316,000 for the quarter ended June 30, 2018.&#160; The Bank recognized net charge-offs of $147,000 for the quarter ended June 30, 2017 compared to $80,000 for the same period in 2018.&#160;</p>  <p align="justify">Noninterest income decreased $120,000 for the quarter ended June 30, 2018 as compared to the same period in 2017 primarily due to $157,000 and $64,000 decreases in gains on the sale of securities and gains on the sale of loans, respectively.&#160; This was partially offset by a $56,000 increase in service charges on deposit accounts.&#160; Losses totaling $96,000 were recorded during the quarter ended June 30, 2018 due to the sale of certain municipal securities during the quarter.</p>  <p align="justify">Noninterest expenses increased $894,000 for the quarter ended June 30, 2018 as compared to the quarter ended June 30, 2017.&#160; Net losses on foreclosed real estate, compensation and benefit expense and data processing expense increased $500,000, $228,000 and $86,000, respectively, when comparing the two periods.</p>  <p align="justify">Income tax expense decreased $548,000 for the quarter ended June 30, 2018 as compared to the same period in 2017 primarily due to the Tax Cuts and Jobs Act (&#8220;TCJA&#8221;) signed into law on December 22, 2017, the Bank&#8217;s investment in a tax credit entity during 2018 and an increase in nontaxable income.&#160; As a result, the effective tax rate for the quarter ended June 30, 2018 was 12.0% compared to 27.6% for the same period in 2017.</p>  <p align="justify">For the six months ended June 30, 2018, the Company reported net income of $4.2 million or $1.27 per diluted share compared to net income of $3.7 million or $1.12 per diluted share for the same period in 2017.</p>  <p align="justify">Net interest income after provision for loan losses increased $828,000 for the six months ended June 30, 2018 compared to the same period in 2017.&#160; Interest income increased $906,000 when comparing the two periods, due to increases in the average balance of interest-earning assets from $707.7 million for 2017 to $719.8 million for 2018 and in the average tax-equivalent yield on interest-earning assets from 3.76% for 2017 to 3.90% for 2018.&#160; Interest expense increased $32,000 as the average cost of interest-bearing liabilities increased from 0.26% for 2017 to 0.27% for 2018 and the average balance of interest-bearing liabilities increased from $545.3 million for the six months ended June 30, 2017 to $548.0 million for the same period in 2018. As a result of the changes in interest-earning assets and interest-bearing liabilities, the interest rate spread increased from 3.50% for the six months ended June 30, 2017 to 3.63% for the six months ended June 30, 2018.</p>  <p align="justify">The provision for loan losses was $513,000 for the six months ended June 30, 2018 compared to $467,000 for the same period in 2017.&#160; The Bank recognized net charge-offs of $280,000 for the six months ended June 30, 2018 compared to $326,000 for the same period in 2017.</p>  <p align="justify">Noninterest income decreased $47,000 for the six months ended June 30, 2018 as compared to the six months ended June 30, 2017.&#160; The decrease was primarily due to decreases in gains on the sale of securities and gains on the sale of loans of $156,000 and $81,000, respectively, when comparing the two periods, partially offset by a $164,000 increase in service charges on deposit accounts.&#160;</p>  <p align="justify">Noninterest expenses increased $993,000 for the six months ended June 30, 2018 as compared to the same period in 2017, primarily due to increases in compensation and benefit expense of $402,000, net loss on foreclosed real estate of $310,000 and data processing expense of $182,000 when comparing the two periods.</p>  <p align="justify">Income tax expense decreased $702,000 for the six months ended June 30, 2018 as compared to the same period in 2017 resulting in an effective tax rate of 13.3% for the six months ended June 30, 2018, compared to 26.5% for the same period in 2017.&#160; As discussed above, the decrease in the effective tax rate is primarily related to the TCJA and anticipated tax credits from the Bank&#8217;s investment in a tax credit entity.</p>  <p align="justify">Total assets as of June 30, 2018 were $788.1 million compared to $759.0 million at December 31, 2017.&#160; Cash and cash equivalents and net loans receivable increased $36.0 million and $9.7 million, respectively, which was partially offset by a decrease in investment securities of $19.7 million.&#160; Loan growth was primarily due to increases in commercial mortgage loans, land loans and home equity and second mortgage loans of $4.6 million, $2.3 million and $1.6 million, respectively.&#160; Deposits increased $37.3 million to $701.8 million at June 30, 2018 due primarily to increases in savings accounts and both noninterest-bearing and interest-bearing demand deposits.&#160; The Bank had no borrowed funds at June 30, 2018 as the $10.0 million in outstanding advances from the Federal Home Loan Bank as of December 31, 2017 were paid off.&#160; Nonperforming assets (consisting of nonaccrual loans, accruing loans 90 days or more past due, troubled debt restructurings on accrual status, and foreclosed real estate) decreased from $7.7 million at December 31, 2017 to $6.8 million at June 30, 2018.&#160;</p>  <p align="justify">At June 30, 2018, the Bank was considered well-capitalized under applicable federal regulatory capital guidelines.</p>  <p align="justify">The Bank currently has eighteen offices in the Indiana communities of Corydon, Edwardsville, Greenville, Floyds Knobs, Palmyra, New Albany, New Salisbury, Jeffersonville, Salem, Lanesville and Charlestown and the Kentucky communities of Shepherdsville, Mt. Washington and Lebanon Junction.</p>  <p align="justify">Access to First Harrison Bank accounts, including online banking and electronic bill payments, is available through the Bank&#8217;s website at www.firstharrison.com.&#160; The Bank offers non-FDIC insured investments to complement its offering of traditional banking products and services through its business arrangement with LPL Financial LLC (&#8220;LPL&#8221;), member SIPC.&#160; For more information and financial data about the Company, please visit Investor Relations at the Bank&#8217;s aforementioned website. The Bank can also be followed on Facebook.</p>  <p align="center"><strong><u>Cautionary Note Regarding Forward-Looking Statements</u></strong></p>  <p align="justify">This press release may contain certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of the words &#8220;anticipate,&#8221; &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;intend,&#8221; &#8220;could&#8221; and &#8220;should,&#8221; and other words of similar meaning. Forward-looking statements are not historical facts nor guarantees of future performance; rather, they are statements based on the Company&#8217;s current beliefs, assumptions, and expectations regarding its business strategies and their intended results and its future performance.</p>  <p align="justify">Numerous risks and uncertainties could cause or contribute to the Company&#8217;s actual results, performance and achievements to be materially different from those expressed or implied by these forward-looking statements.&#160; Factors that may cause or contribute to these differences include, without limitation, general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; competition; the ability of the Company to execute its business plan; legislative and regulatory changes; and other factors disclosed periodically in the Company&#8217;s filings with the Securities and Exchange Commission.</p>  <p align="justify">Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this press release, the Company&#8217;s reports, or made elsewhere from time to time by the Company or on its behalf.&#160; These forward-looking statements are made only as of the date of this press release, and the Company assumes no obligation to update any forward-looking statements after the date of this press release.</p>  <p align="justify"><u>Contact:</u><br >Chris Frederick<br >Chief Financial Officer<br >812-734-3464</p> <table style="width:100%; border-collapse:collapse !important;" style="border-collapse: collapse; "><tr><td colspan="14" width="421" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; "><strong>FIRST CAPITAL, INC. 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text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">5,976</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="14" style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Total non-interest income</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">3,262</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">3,309</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,736</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,856</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; 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vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">1,350</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">287</td><td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; 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vertical-align: bottom ; ">4</td><td style="padding-left: 0 ; border-bottom: solid black 1pt ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; border-bottom: solid black 1pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">4</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">Net income attributable to First Capital, Inc.</td><td style="padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">$</td><td style="padding-left: 0 ; padding-right: 0 ; border-bottom: double black 3pt ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">4,233</td><td style="padding-left: 0 ; 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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
