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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
INTEREST INCOME        
Loans, including fees $ 3,925 $ 3,985 $ 7,849 $ 8,008
Securities:        
Taxable 315 421 663 855
Tax-exempt 267 230 534 463
Federal Home Loan Bank dividends 24 22 49 45
Federal funds sold and interest bearing deposits with banks 23 18 35 26
Total interest income 4,554 4,676 9,130 9,397
INTEREST EXPENSE        
Deposits 386 539 790 1,125
Retail repurchase agreements 7 9 15 21
Advances from Federal Home Loan Bank 47 102 93 207
Total interest expense 440 650 898 1,353
Net interest income 4,114 4,026 8,232 8,044
Provision for loan losses 225 300 475 775
Net interest income after provision for loan losses 3,889 3,726 7,757 7,269
NON INTEREST INCOME        
Service charges on deposit accounts 783 744 1,504 1,431
Commission income 76 36 195 80
Gain on sale of securities 0 0 21 0
Gain on sale of mortgage loans 258 247 481 505
Mortgage brokerage fees 6 6 17 19
Increase in cash surrender value of life insurance 42 47 84 95
Other income 23 20 48 45
Total non interest income 1,188 1,100 2,350 2,175
NON INTEREST EXPENSE        
Compensation and benefits 1,724 1,814 3,475 3,700
Occupancy and equipment 278 305 599 611
Data processing 365 333 711 657
Professional fees 202 159 370 312
Advertising 71 65 109 112
Other operating expenses 666 684 1,364 1,301
Total non interest expense 3,306 3,360 6,628 6,693
Income before income taxes 1,771 1,466 3,479 2,751
Income tax expense 557 427 1,068 790
Net Income 1,214 1,039 2,411 1,961
Less: net income attributable to noncontrolling interest in subsidiary 4 4 7 7
Net Income Attributable to First Capital, Inc. $ 1,210 $ 1,035 $ 2,404 $ 1,954
Earnings per common share attributable to First Capital, Inc.        
Basic $ 0.43 $ 0.37 $ 0.86 $ 0.70
Diluted $ 0.43 $ 0.37 $ 0.86 $ 0.70
Dividends per share $ 0.20 $ 0.19 $ 0.40 $ 0.38