First Capital, Inc. (FCAP)

First Capital 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	43.04	38.27	33.35	24.96	23.77	24.52
Interest Income on Investments	12.2	12.2	10.26	8.98	5.69	5.12
Total Interest Income	55.24	50.47	43.61	33.94	29.46	29.65
Interest Paid on Deposits	13.43	13.23	8.24	1.59	1.13	1.56
Interest Paid on Borrowings	1.45	1.45	0.78	-	-	-
Total Interest Expense	14.88	14.68	9.02	1.59	1.13	1.56
Net Interest Income	40.36	35.79	34.59	32.35	28.33	28.09
Net Interest Income Growth (YoY)	15.54%	3.48%	6.93%	14.17%	0.88%	-6.67%
Gain (Loss) on Sale of Investments	0.06	-0.34	-0.17	-0.41	0.34	-0.19
Other Non-Interest Income	5.1	5.04	5.04	5.24	4.9	4.29
Total Non-Interest Income	8.11	7.66	7.63	7.93	9.55	8.6
Non-Interest Income Growth (YoY)	7.32%	0.31%	-3.72%	-17.00%	11.07%	24.15%
Revenues Before Loan Losses	48.46	43.45	42.22	40.27	37.88	36.69
Provision for Loan Losses	1.14	1.45	1.14	0.95	-0.33	1.8
Revenue	47.32	42	41.08	39.32	38.21	34.88
Revenue Growth (YoY)	15.22%	2.23%	4.47%	2.92%	9.53%	-2.00%
Salaries and Employee Benefits	15.34	15.34	14.75	14.26	14.05	13.43
Occupancy Expenses	1.88	1.88	1.73	1.81	1.74	1.75
Selling, General & Administrative	6.47	6.47	5.67	5.52	5.35	4.55
Other Non-Interest Expense	5.59	4.14	3.88	3.5	3.39	3.33
Total Non-Interest Expense	29.29	27.83	26.03	25.09	24.53	23.05
EBT Excluding Unusual Items	18.04	14.17	15.05	14.24	13.68	11.84
Pretax Income	18.04	14.17	15.05	14.24	13.68	11.84
Income Tax Expense	3.28	2.22	2.25	2.32	2.24	1.69
Earnings From Continuing Operations	14.76	11.95	12.8	11.92	11.44	10.14
Minority Interest in Earnings	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Net Income	14.75	11.94	12.79	11.9	11.42	10.13
Net Income to Common	14.75	11.94	12.79	11.9	11.42	10.13
Net Income Growth	25.13%	-6.65%	7.46%	4.18%	12.76%	-1.88%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	0.09%	-0.03%	-0.23%	0.26%	-0.08%	0.16%
EPS (Basic)	4.41	3.57	3.82	3.55	3.41	3.03
EPS (Diluted)	4.41	3.57	3.82	3.55	3.41	3.02
EPS Growth	25.19%	-6.59%	7.68%	4.03%	12.91%	-2.27%
Dividend Per Share	1.180	1.120	1.080	1.040	1.040	0.960
Dividend Growth	7.27%	3.70%	3.85%	-	8.33%	1.05%
Effective Tax Rate	18.16%	15.64%	14.94%	16.30%	16.38%	14.29%

Updated Oct 24, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q