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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST INCOME    
Loans, including fees $ 9,774 $ 9,238
Taxable 1,834 1,629
Tax-exempt 649 704
Dividends 26 12
Federal funds sold and other income 1,063 254
Total interest income 13,346 11,837
INTEREST EXPENSE    
Deposits 3,765 2,806
Advances - FHLB 0 48
Borrowed funds - Bank Term Funding Program ("BTFP") 0 383
Total interest expense 3,765 3,237
Net interest income 9,581 8,600
Provision for credit losses 338 280
Net interest income after provision for credit losses 9,243 8,320
NONINTEREST INCOME    
Noninterest income, financial services 1,677 1,701
(Loss) gain on sale of securities (55) 32
Unrealized gain (loss) on equity securities 18 (68)
Gain on sale of loans 89 101
Increase in cash surrender value of life insurance 72 48
Other income 95 133
Total noninterest income 1,848 1,899
NONINTEREST EXPENSE    
Compensation and benefits 4,102 3,843
Occupancy and equipment 623 463
Data processing 1,108 1,076
Professional fees 286 259
Advertising 74 88
Other expenses 988 1,028
Total noninterest expense 7,181 6,757
Income before income taxes 3,910 3,462
Income tax expense 672 507
Net Income 3,238 2,955
Less: net income attributable to noncontrolling interest in subsidiary 3 3
Net Income Attributable to First Capital, Inc. $ 3,235 $ 2,952
Earnings per common share attributable to First Capital, Inc.:    
Basic (in dollars per share) $ 0.97 $ 0.88
Diluted (in dollars per share) 0.97 0.88
Dividends per share (in dollars per share) $ 0.29 $ 0.27
Deposit Account [Member]    
NONINTEREST INCOME    
Noninterest income, financial services $ 593 $ 593
ATM and Debit Card Fees [Member]    
NONINTEREST INCOME    
Noninterest income, financial services $ 1,036 $ 1,060