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Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Assets [Abstract]    
Cash and due from banks $ 19,707 $ 20,008
Interest bearing deposits with banks 1,717 3,171
Federal funds sold 20,668 15,491
Total cash and cash equivalents 42,092 38,670
Interest-bearing time deposits 3,185 3,920
Securities available for sale, at fair value 428,144 437,271
Securities held to maturity, amortized cost 7,000 7,000
Loans held for sale 759 800
Loans, net of allowance for credit losses of $8,230 ($8,005 in 2023) 621,377 614,409
Federal Home Loan Bank and other stock, at cost 1,836 1,836
Premises and equipment 14,344 14,413
Interest Receivable 4,442 4,788
Cash value of life insurance 9,153 9,105
Goodwill 6,472 6,472
Core deposit intangible 196 232
Other assets 17,555 18,964
Total Assets 1,156,555 1,157,880
LIABILITIES    
Noninterest-bearing 209,328 205,535
Interest-bearing 800,764 819,676
Total deposits 1,010,092 1,025,211
Borrowed funds - Bank Term Funding Program ("BTFP") 33,625 21,500
Accrued interest payable 1,398 1,209
Accrued expenses and other liabilities 5,600 4,615
Total liabilities 1,050,715 1,052,535
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 3,806,983 shares (3,803,833 in 2023); outstanding 3,353,810 (3,350,660 in 2023) 38 38
Additional paid-in capital 41,676 41,588
Retained earnings-substantially restricted 99,152 97,105
Unearned stock compensation (259) (249)
Accumulated other comprehensive loss (25,666) (24,033)
Less treasury stock, at cost - 453,173 shares (9,216) (9,216)
Total First Capital, Inc. stockholders' equity 105,725 105,233
Noncontrolling interest in subsidiary 115 112
Total equity 105,840 105,345
Total Liabilities and Equity $ 1,156,555 $ 1,157,880