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Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2024
Dec. 31, 2023
ASSETS    
Cash and due from banks $ 21,433 $ 20,008
Interest bearing deposits with banks 5,675 3,171
Federal funds sold 62,831 15,491
Total cash and cash equivalents 89,939 38,670
Interest-bearing time deposits 2,695 3,920
Securities available for sale, at fair value (amortized cost $432,405 and $468,549, respectively) 408,469 437,271
Securities held to maturity, at amortized cost (fair value $4,688 and $4,446, respectively) 7,000 7,000
Loans held for sale 678 800
Loans, net of allowance for credit losses of $8,959 ($8,005 in 2023) 630,607 614,409
Federal Home Loan Bank ("FHLB") and other stock, at cost 1,836 1,836
Premises and equipment 14,108 14,413
Accrued interest receivable 4,218 4,788
Cash value of life insurance 9,266 9,105
Goodwill 6,472 6,472
Core deposit intangible 122 232
Other assets 13,885 18,964
Total Assets 1,189,295 1,157,880
LIABILITIES    
Noninterest-bearing 199,804 205,535
Interest-bearing 830,445 819,676
Total deposits 1,030,249 1,025,211
Borrowed funds - Bank Term Funding Program ("BTFP") 33,625 21,500
Accrued interest payable 2,502 1,209
Accrued expenses and other liabilities 6,036 4,615
Total liabilities 1,072,412 1,052,535
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 3,806,983 shares (3,803,833 in 2023); outstanding 3,352,003 (3,350,660 in 2023) 38 38
Additional paid-in capital 41,676 41,588
Retained earnings-substantially restricted 103,001 97,105
Unearned stock compensation (169) (249)
Accumulated other comprehensive loss (18,501) (24,033)
Less treasury stock, at cost - 454,980 shares (453,173 in 2023) (9,270) (9,216)
Total First Capital, Inc. stockholders' equity 116,775 105,233
Noncontrolling interest in subsidiary 108 112
Total equity 116,883 105,345
Total Liabilities and Equity $ 1,189,295 $ 1,157,880