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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Loans, including fees $ 6,252 $ 6,012 $ 18,071 $ 18,383
Securities:        
Taxable 718 590 1,858 2,014
Tax-exempt 683 555 1,988 1,549
Dividends 3 15 10 50
Other interest income 89 68 243 292
Total interest income 7,745 7,240 22,170 22,288
INTEREST EXPENSE        
Deposits 278 371 855 1,243
Total interest expense 278 371 855 1,243
Net interest income 7,467 6,869 21,315 21,045
Provisions for loan losses 0 400 75 1,576
Net interest income after provision for loan losses 7,467 6,469 21,240 19,469
NONINTEREST INCOME        
Noninterest income, financial service 1,654 1,517 4,738 4,242
Unrealized gain (loss) on equity securities (67) 45 360 (126)
Gain on sale of loans 603 980 1,900 2,031
Increase in cash surrender value of life insurance 51 48 169 165
Other income 57 54 177 172
Total noninterest income 2,270 2,616 7,260 6,392
NONINTEREST EXPENSE        
Compensation and benefits 3,689 3,548 10,831 10,422
Occupancy and equipment 444 441 1,318 1,339
Data processing 875 763 2,551 2,314
Professional fees 287 176 874 527
Advertising 110 105 240 262
Other expenses 797 890 2,360 2,502
Total noninterest expense 6,202 5,923 18,174 17,366
Income before income taxes 3,535 3,162 10,326 8,495
Income tax expense 596 413 1,711 1,207
Net Income 2,939 2,749 8,615 7,288
Less: net income attributable to noncontrolling interest in subsidiary 3 3 10 10
Net Income Attributable to First Capital, Inc. $ 2,936 $ 2,746 $ 8,605 $ 7,278
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 0.88 $ 0.82 $ 2.57 $ 2.18
Diluted (in dollars per share) 0.88 0.82 2.57 2.17
Dividends per share (in dollars per share) $ 0.26 $ 0.24 $ 0.78 $ 0.72
Deposit Account [Member]        
NONINTEREST INCOME        
Noninterest income, financial service $ 514 $ 464 $ 1,348 $ 1,292
Gain on sale of securities available for sale 0 0 7 0
ATM and Debit Card Fees [Member]        
NONINTEREST INCOME        
Noninterest income, financial service 1,009 939 3,027 2,580
Investment Advisory, Management and Administrative Service [Member]        
NONINTEREST INCOME        
Noninterest income, financial service $ 103 $ 86 $ 272 $ 278