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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Loans, including fees $ 6,533 $ 6,252 $ 17,885 $ 18,071
Securities:        
Taxable 1,241 718 3,189 1,858
Tax-exempt 829 683 2,350 1,988
Dividends 5 3 14 10
Other interest income 440 89 713 243
Total interest income 9,048 7,745 24,151 22,170
INTEREST EXPENSE        
Deposits 390 278 910 855
Total interest expense 390 278 910 855
Net interest income 8,658 7,467 23,241 21,315
Provision for loan losses 175 0 550 75
Net interest income after provision for loan losses 8,483 7,467 22,691 21,240
NONINTEREST INCOME        
Noninterest income 1,856 1,654 5,283 4,738
Unrealized gain (loss) on equity securities (229) (67) (265) 360
Gain on sale of loans 170 603 720 1,900
Increase in cash surrender value of life insurance 44 51 157 169
Other income 51 57 171 177
Total noninterest income 1,873 2,270 5,985 7,260
NONINTEREST EXPENSE        
Compensation and benefits 3,832 3,689 10,977 10,831
Occupancy and equipment 462 444 1,385 1,318
Data processing 1,047 875 2,909 2,551
Professional fees 152 287 620 874
Advertising 62 110 203 240
Other expenses 1,004 797 2,694 2,360
Total noninterest expense 6,559 6,202 18,788 18,174
Income before income taxes 3,797 3,535 9,888 10,326
Income tax expense 669 596 1,516 1,711
Net Income 3,128 2,939 8,372 8,615
Less: net income attributable to noncontrolling interest in subsidiary 3 3 10 10
Net Income Attributable to First Capital, Inc. $ 3,125 $ 2,936 $ 8,362 $ 8,605
Earnings per common share attributable to First Capital, Inc.:        
Basic (in dollars per share) $ 0.93 $ 0.88 $ 2.49 $ 2.57
Diluted (in dollars per share) 0.93 0.88 2.49 2.57
Dividends per share (in dollars per share) $ 0.26 $ 0.26 $ 0.78 $ 0.78
Deposit Account [Member]        
NONINTEREST INCOME        
Noninterest income $ 618 $ 514 $ 1,670 $ 1,348
Gain on sale of securities available for sale 0 0 0 7
ATM and Debit Card Fees [Member]        
NONINTEREST INCOME        
Noninterest income 1,059 1,009 3,132 3,027
Investment Advisory, Management and Administrative Service [Member]        
NONINTEREST INCOME        
Noninterest income $ 160 $ 103 $ 400 $ 272