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Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
ASSETS    
Cash and due from banks $ 18,027 $ 25,231
Interest bearing deposits with banks 1,222 3,820
Federal funds sold 12,181 37,247
Total cash and cash equivalents 31,430 66,298
Interest-bearing time deposits 4,165 3,677
Securities available for sale, at fair value (amortized cost $489,187 and $507,466, respectively) 440,080 460,819
Securities held to maturity, at amortized cost (fair value $4,472 and $5,311, respectively) 7,000 7,000
Loans held for sale 1,360 793
Loans, net of allowance for credit losses of $7,786 ($6,772 in 2022) 602,319 557,958
Federal Home Loan Bank and other stock, at cost 1,836 1,836
Premises and equipment 14,453 14,668
Accrued interest receivable 4,317 4,285
Cash value of life insurance 9,057 8,899
Goodwill 6,472 6,472
Core deposit intangible 269 379
Other assets 19,947 18,316
Total Assets 1,142,705 1,151,400
LIABILITIES    
Noninterest-bearing 234,324 254,842
Interest-bearing 783,167 805,554
Total deposits 1,017,491 1,060,396
Advances - Federal Home Loan Bank ("FHLB") 15,000 0
Borrowed funds - Bank Term Funding Program ("BTFP") 13,000 0
Accrued interest payable 1,506 123
Accrued expenses and other liabilities 6,446 5,611
Total liabilities 1,053,443 1,066,130
EQUITY    
Preferred stock of $.01 par value per share Authorized 1,000,000 shares; none issued 0 0
Common stock of $.01 par value per share Authorized 7,500,000 shares; issued 3,803,833 shares (3,804,683 in 2022); outstanding 3,350,660 (3,371,362 in 2022) 38 38
Additional paid-in capital 41,588 41,636
Retained earnings-substantially restricted 94,899 88,465
Unearned stock compensation (303) (549)
Accumulated other comprehensive loss (37,852) (35,741)
Less treasury stock, at cost - 453,173 shares (433,321 in 2022) (9,216) (8,691)
Total First Capital, Inc. stockholders' equity 89,154 85,158
Noncontrolling interest in subsidiary 108 112
Total equity 89,262 85,270
Total Liabilities and Equity $ 1,142,705 $ 1,151,400