First Capital Bancshares, Inc. (FCPB)

First Capital Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	58.05	48.78	35.35	16.92	10.5	7.9
Interest Income on Investments	4.48	4.48	4.21	2.08	0.66	0.51
Total Interest Income	62.53	53.26	39.55	19	11.16	8.41
Interest Paid on Deposits	25.23	25.23	16.47	3.88	1.9	1.72
Interest Paid on Borrowings	5.64	3.16	2.96	0.82	0.22	0.12
Total Interest Expense	30.87	28.39	19.43	4.69	2.11	1.83
Net Interest Income	31.66	24.87	20.12	14.31	9.04	6.58
Net Interest Income Growth (YoY)	57.33%	23.59%	40.64%	58.20%	37.55%	53.85%
Gain (Loss) on Sale of Assets	-0.01	-0.01	-	-	-	-
Gain (Loss) on Sale of Investments	0.03	0.03	0.04	-0.02	0.25	0.82
Other Non-Interest Income	1.94	1.33	0.78	0.41	0.34	0.24
Total Non-Interest Income	2.01	1.39	0.87	0.44	0.62	1.08
Non-Interest Income Growth (YoY)	130.57%	59.86%	99.77%	-30.15%	-41.99%	1070.71%
Revenues Before Loan Losses	33.66	26.26	20.99	14.74	9.67	7.65
Provision for Loan Losses	2.09	1.9	1.4	0.97	0.78	0.98
Revenue	31.58	24.36	19.59	13.78	8.89	6.67
Revenue Growth (YoY)	61.16%	24.34%	42.20%	55.02%	33.23%	80.16%
Salaries and Employee Benefits	10.76	10.76	8.82	6.15	4.48	3.2
Federal Deposit Insurance	0.91	0.91	0.53	0.26	0.18	0.09
Selling, General & Administrative	3.94	3.94	3.42	2.54	2.11	1.51
Other Non-Interest Expense	5.6	2.15	1.98	1.28	1.12	0.85
Total Non-Interest Expense	21.21	17.76	14.76	10.23	7.89	5.65
EBT Excluding Unusual Items	10.36	6.6	4.84	3.55	1	1.02
Pretax Income	10.36	6.6	4.84	3.55	1	1.02
Income Tax Expense	2.28	1.57	1.03	0.85	0.24	0.07
Net Income	8.09	5.03	3.8	2.7	0.75	0.95
Net Income to Common	8.09	5.03	3.8	2.7	0.75	0.95
Net Income Growth	112.59%	32.32%	40.98%	258.88%	-21.21%	-
Basic Shares Outstanding	10	9	8	6	5	5
Diluted Shares Outstanding	10	9	8	6	5	5
Shares Change (YoY)	27.92%	15.99%	39.55%	13.36%	0.04%	-
EPS (Basic)	0.80	0.55	0.48	0.48	0.15	0.19
EPS (Diluted)	0.80	0.54	0.47	0.47	0.15	0.19
EPS Growth	69.60%	14.89%	-	217.98%	-21.24%	-
Effective Tax Rate	21.98%	23.80%	21.35%	23.99%	24.47%	6.62%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.