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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Jun. 30, 2019
Jun. 30, 2018
INTEREST INCOME        
Loans, including fees $ 6,555 $ 5,558 $ 12,612 $ 10,859
Securities:        
Taxable 964 945 1,948 1,897
Tax-exempt 421 361 812 739
Dividends 30 21 56 54
Other interest income 249 178 449 278
Total interest income 8,219 7,063 15,877 13,827
INTEREST EXPENSE        
Deposits 491 395 947 716
Advances from Federal Home Loan Bank 21
Total interest expense 491 395 947 737
Net interest income 7,728 6,668 14,930 13,090
Provision for loan losses 300 316 750 513
Net interest income after provision for loan losses 7,428 6,352 14,180 12,577
NONINTEREST INCOME        
Noninterest income 1,424 1,351 2,664 2,583
Loss on sale of securities available for sale and time deposits (96) (97) (95)
Unrealized gain (loss) on equity securities (14) 117
Gain on sale of loans 260 290 418 530
Increase in cash surrender value of life insurance 70 85 118 128
Other income 61 139 120 184
Total noninterest income 1,768 1,736 3,273 3,262
NONINTEREST EXPENSE        
Compensation and benefits 3,208 2,942 6,250 5,836
Occupancy and equipment 395 414 792 827
Data processing 869 764 1,707 1,508
Professional fees 177 181 406 359
Advertising 159 103 248 188
Net loss on foreclosed real estate 93 400 288 521
Other expenses 863 893 1,738 1,712
Total noninterest expense 5,764 5,697 11,429 10,951
Income before income taxes 3,432 2,391 6,024 4,888
Income tax expense 568 287 1,010 648
Net Income 2,864 2,104 5,014 4,240
Less: net income attributable to noncontrolling interest in subsidiary 4 4 7 7
Net Income Attributable to First Capital, Inc. $ 2,860 $ 2,100 $ 5,007 $ 4,233
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 0.86 $ 0.63 $ 1.50 $ 1.27
Diluted (in dollars per share) 0.86 0.63 1.50 1.27
Dividends per share (in dollars per share) $ 0.24 $ 0.23 $ 0.47 $ 0.46
Deposit Account [Member]        
NONINTEREST INCOME        
Noninterest income $ 516 $ 545 $ 977 $ 1,054
ATM and Debit Card Fees [Member]        
NONINTEREST INCOME        
Noninterest income 729 643 1,376 1,243
Investment Advisory, Management and Administrative Service [Member]        
NONINTEREST INCOME        
Noninterest income $ 146 $ 130 $ 244 $ 218