XML 15 R4.htm IDEA: XBRL DOCUMENT v3.21.2
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2021
Jun. 30, 2020
Jun. 30, 2021
Jun. 30, 2020
Loans, including fees $ 5,746 $ 6,095 $ 11,819 $ 12,371
Securities:        
Taxable 632 687 1,140 1,424
Tax-exempt 671 515 1,305 994
Dividends 4 17 7 35
Other interest income 80 60 154 224
Total interest income 7,133 7,374 14,425 15,048
INTEREST EXPENSE        
Deposits 289 404 577 872
Total interest expense 289 404 577 872
Net interest income 6,844 6,970 13,848 14,176
Provisions for loan losses 0 825 75 1,176
Net interest income after provision for loan losses 6,844 6,145 13,773 13,000
NONINTEREST INCOME        
Noninterest income, financial service 1,592 1,307 3,084 2,725
Unrealized gain (loss) on equity securities 193 223 427 (171)
Gain on sale of loans 661 692 1,297 1,051
Increase in cash surrender value of life insurance 71 70 118 117
Other income 66 58 120 118
Total noninterest income 2,552 2,320 4,990 3,776
NONINTEREST EXPENSE        
Compensation and benefits 3,612 3,372 7,142 6,874
Occupancy and equipment 410 459 874 898
Data processing 867 755 1,676 1,551
Professional fees 348 177 587 351
Advertising 80 49 130 157
Other expenses 848 806 1,563 1,612
Total noninterest expense 6,165 5,618 11,972 11,443
Income before income taxes 3,231 2,847 6,791 5,333
Income tax expense 497 405 1,115 794
Net Income 2,734 2,442 5,676 4,539
Net Income Attributable to First Capital, Inc. $ 2,730 $ 2,438 $ 5,669 $ 4,532
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 0.82 $ 0.73 $ 1.70 $ 1.36
Diluted (in dollars per share) 0.82 0.73 1.69 1.35
Dividends per share (in dollars per share) $ 0.26 $ 0.24 $ 0.52 $ 0.48
Deposit Account [Member]        
NONINTEREST INCOME        
Noninterest income, financial service $ 424 $ 322 $ 834 $ 828
Gain on sale of securities available for sale 0 0 7 0
ATM and Debit Card Fees [Member]        
NONINTEREST INCOME        
Noninterest income, financial service 1,050 876 2,018 1,641
Investment Advisory, Management and Administrative Service [Member]        
NONINTEREST INCOME        
Noninterest income, financial service $ 87 $ 79 $ 169 $ 192