First Capital Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	137.29	105.92	38.67	66.3	172.51
Investment Securities	425.66	287.33	355.44	382.95	348.86
Mortgage-Backed Securities	-	115.46	97.22	93.22	110.7
Total Investments	425.66	402.79	452.66	476.16	459.56
Gross Loans	664.21	663	663.29	609.42	516.02
Allowance for Loan Losses	-10.11	-9.28	-8.01	-6.77	-6.08
Other Adjustments to Gross Loans	-	-22.52	-40.88	-44.69	-26.65
Net Loans	654.1	631.2	614.41	557.96	483.29
Property, Plant & Equipment	-	14.18	14.44	14.71	15.24
Goodwill	-	6.47	6.47	6.47	6.47
Other Intangible Assets	-	0.09	0.23	0.38	0.53
Loans Held for Sale	-	0.47	0.8	0.79	2.41
Accrued Interest Receivable	-	4.58	4.79	4.29	3.43
Other Real Estate Owned & Foreclosed	-	-	-	-	0.04
Other Long-Term Assets	54.95	20	23.58	22.51	11.15
Total Assets	1,272	1,188	1,158	1,151	1,157
Accrued Expenses	-	3.9	3.89	4.57	5.85
Interest Bearing Deposits	1,123	825.64	787.28	800.25	784.58
Institutional Deposits	-	42.81	32.4	5.3	8.3
Non-Interest Bearing Deposits	-	197.99	205.54	254.84	242.69
Total Deposits	1,123	1,066	1,025	1,060	1,036
Short-Term Borrowings	-	-	21.5	-	-
Accrued Interest Payable	-	1.92	1.21	0.12	0.1
Long-Term Leases	-	-	0.02	0.04	0.06
Other Long-Term Liabilities	11.21	0.55	0.7	1	1.1
Total Liabilities	1,134	1,073	1,053	1,066	1,043
Common Stock	137.8	0.04	0.04	0.04	0.04
Additional Paid-In Capital	-	41.68	41.59	41.64	41.68
Retained Earnings	-	105.29	97.11	88.47	80.07
Treasury Stock	-	-9.28	-9.22	-8.69	-8.67
Comprehensive Income & Other	-	-23.13	-24.28	-36.29	0.7
Total Common Equity	137.8	114.6	105.23	85.16	113.83
Minority Interest	-	0.11	0.11	0.11	0.11
Shareholders' Equity	137.8	114.71	105.35	85.27	113.94
Total Liabilities & Equity	1,272	1,188	1,158	1,151	1,157
Total Debt	-	-	21.52	0.04	0.06
Net Cash (Debt)	138.76	108.61	21.07	69.93	177.29
Net Cash Growth	27.76%	415.56%	-69.88%	-60.55%	-2.48%
Net Cash Per Share	41.45	32.46	6.29	20.84	52.98
Filing Date Shares Outstanding	3.34	3.36	3.35	3.36	3.37
Total Common Shares Outstanding	3.34	3.35	3.35	3.37	3.37
Book Value Per Share	41.25	34.19	31.41	25.26	33.75
Tangible Book Value	137.8	108.04	98.53	78.31	106.83
Tangible Book Value Per Share	41.25	32.23	29.41	23.23	31.67

Updated Jan 23, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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