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Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 26,022 $ 18,418
Interest bearing deposits with banks 90,601 87,499
Total cash and cash equivalents 116,623 105,917
Interest-bearing time deposits 2,695 2,695
Securities available for sale, at fair value (amortized cost $417,251 and $418,935, respectively) 391,718 389,243
Securities held to maturity, at amortized cost (fair value $4,591 and $4,591, respectively) 7,000 7,000
Loans held for sale 341 472
Loans, net of allowance for credit losses of $9,535 ($9,281 in 2024) 642,941 631,199
Federal Home Loan Bank and other stock, at cost 1,836 1,836
Premises and equipment 14,097 14,179
Accrued interest receivable 4,558 4,575
Cash value of life insurance 9,401 9,329
Goodwill 6,472 6,472
Core deposit intangible 49 86
Other assets 16,807 14,520
Total Assets 1,214,538 1,187,523
LIABILITIES    
Noninterest-bearing 203,779 197,993
Interest-bearing 880,142 868,446
Total deposits 1,083,921 1,066,439
Accrued interest payable 1,759 1,922
Accrued expenses and other liabilities 8,663 4,451
Total liabilities 1,094,343 1,072,812
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 3,810,883 shares (3,806,983 in 2024); outstanding 3,355,353 (3,351,703 in 2024) 38 38
Additional paid-in capital 41,823 41,676
Retained earnings-substantially restricted 107,551 105,290
Unearned stock compensation (244) (135)
Accumulated other comprehensive loss (19,799) (22,990)
Less treasury stock, at cost - 455,530 shares (455,280 in 2024) (9,289) (9,280)
Total First Capital, Inc. stockholders' equity 120,080 114,599
Noncontrolling interest in subsidiary 115 112
Total equity 120,195 114,711
Total Liabilities and Equity $ 1,214,538 $ 1,187,523