First Capital, Inc. (FCAP)

First Capital Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	37.49	33.35	24.96	23.77	24.52	25.75
Interest Income on Investments	11.42	10.26	8.98	5.69	5.12	6.31
Total Interest Income	48.92	43.61	33.94	29.46	29.65	32.05
Interest Paid on Deposits	12.26	8.24	1.59	1.13	1.56	1.96
Interest Paid on Borrowings	1.73	0.78	-	-	-	-
Total Interest Expense	13.99	9.02	1.59	1.13	1.56	1.96
Net Interest Income	34.93	34.59	32.35	28.33	28.09	30.09
Net Interest Income Growth (YoY)	-0.61%	6.93%	14.17%	0.88%	-6.67%	10.34%
Gain (Loss) on Sale of Investments	-0.37	-0.17	-0.41	0.34	-0.19	-0.12
Other Non-Interest Income	5.05	5.04	5.24	4.9	4.29	3.76
Total Non-Interest Income	7.55	7.63	7.93	9.55	8.6	6.93
Non-Interest Income Growth (YoY)	-2.45%	-3.72%	-17.00%	11.07%	24.16%	12.29%
Revenues Before Loan Losses	42.48	42.22	40.27	37.88	36.69	37.02
Provision for Loan Losses	1.41	1.14	0.95	-0.33	1.8	1.43
Revenue	41.07	41.08	39.32	38.21	34.88	35.6
Revenue Growth (YoY)	-1.40%	4.47%	2.92%	9.53%	-2.00%	10.29%
Salaries and Employee Benefits	15.15	14.75	14.26	14.05	13.43	12.83
Occupancy Expenses	1.82	1.73	1.81	1.74	1.75	1.56
Selling, General & Administrative	6.23	5.67	5.52	5.35	4.55	5.16
Other Non-Interest Expense	4.06	3.88	3.5	3.39	3.33	3.42
Total Non-Interest Expense	27.26	26.03	25.09	24.53	23.05	23.27
EBT Excluding Unusual Items	13.81	15.05	14.24	13.68	11.84	12.33
Pretax Income	13.81	15.05	14.24	13.68	11.84	12.33
Income Tax Expense	2.01	2.25	2.32	2.24	1.69	1.99
Earnings From Continuing Operations	11.8	12.8	11.92	11.44	10.14	10.34
Minority Interest in Earnings	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Net Income	11.79	12.79	11.9	11.42	10.13	10.33
Net Income to Common	11.79	12.79	11.9	11.42	10.13	10.33
Net Income Growth	-10.83%	7.46%	4.18%	12.76%	-1.88%	11.59%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	-0.15%	-0.23%	0.25%	-0.08%	0.16%	0.26%
EPS (Basic)	3.52	3.82	3.55	3.41	3.03	3.10
EPS (Diluted)	3.52	3.82	3.55	3.41	3.02	3.09
EPS Growth	-10.78%	7.68%	4.03%	12.91%	-2.27%	11.55%
Dividend Per Share	1.100	1.080	1.040	1.040	0.960	0.950
Dividend Growth	2.80%	3.85%	0%	8.33%	1.05%	3.26%
Effective Tax Rate	14.55%	14.94%	16.30%	16.38%	14.30%	16.12%

Source: S&P Capital IQ. Banks template. Financial Sources.