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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
INTEREST INCOME      
Loans, including fees $ 24,523 $ 25,746 $ 22,818
Securities:      
Taxable 2,550 3,643 3,756
Tax-exempt 2,144 1,706 1,455
Dividends 63 103 97
Other interest income 367 856 760
Total interest income 29,647 32,054 28,886
INTEREST EXPENSE      
Deposits 1,561 1,960 1,590
Advances from Federal Home Loan Bank 0 0 21
Total interest expense 1,561 1,960 1,611
Net interest income 28,086 30,094 27,275
Provision for loan losses 1,801 1,425 1,168
Net interest income after provision for loan losses 26,285 28,669 26,107
NONINTEREST INCOME      
Noninterest income 5,761 5,528 5,255
Loss on sale of available for sale securities and time deposits 0 (147) (95)
Gain on sale of loans 2,716 1,191 1,100
Unrealized gain (loss) on equity securities (194) 32 (207)
Impairment loss on tax credit investment 0 0 (270)
Increase in cash value of life insurance 210 211 227
Other income 226 235 286
Total noninterest income 8,599 6,926 6,168
NONINTEREST EXPENSE      
Compensation and benefits 13,808 13,119 11,749
Occupancy and equipment 1,775 1,616 1,660
Data processing 3,101 3,536 3,078
Professional fees 693 742 791
Advertising 340 540 333
Net loss on foreclosed real estate 13 299 476
Other expenses 3,318 3,418 3,528
Total noninterest expense 23,048 23,270 21,615
Income before income taxes 11,836 12,325 10,660
Income tax expense 1,692 1,987 1,394
Net Income 10,144 10,338 9,266
Less: net income attributable to noncontrolling interest in subsidiary 13 13 13
Net Income Attributable to First Capital, Inc. $ 10,131 $ 10,325 $ 9,253
Earnings per common share attributable to First Capital, Inc.:      
Basic (in dollars per share) $ 3.03 $ 3.10 $ 2.78
Diluted (in dollars per share) 3.02 3.09 2.77
Dividends per share on common shares (in dollars per share) $ 0.96 $ 0.95 $ 0.92
Deposit Account [Member]      
NONINTEREST INCOME      
Noninterest income $ 1,788 $ 2,088 $ 2,177
ATM and Debit Card Fees [Member]      
NONINTEREST INCOME      
Noninterest income 3,488 2,812 2,564
Investment Advisory, Management and Administrative Service [Member]      
NONINTEREST INCOME      
Noninterest income $ 365 $ 504 $ 386