FIRST CAPITAL INC FCAP Income Statement

First capital inc (FCAP)

Income statement / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Sep'10	Jun'10
INTEREST INCOME
Loans, including fees
6,276	6,522	6,612	6,555	6,057	6,063	5,896	5,558	5,301	5,337	5,283	5,133	4,947	4,972	4,940	5,018	5,148	4,337	3,983	3,963	3,930	4,006	4,057	4,036	3,838	3,973	4,011	3,925	3,924	3,977	4,020	3,985	4,023	4,189	4,300	4,351	4,339	4,684	4,726
Securities:
Taxable
737	777	918	964	984	941	918	945	952	962	969	971	933	840	861	812	751	406	267	268	262	276	289	303	317	324	307	315	348	397	425	421	434	465	520	498	453	509	569
Tax-exempt
479	463	431	421	391	369	347	361	378	378	368	362	329	301	279	296	287	262	243	244	246	245	249	274	290	292	287	267	267	258	245	230	233	243	254	271	271	272	263
Dividends
18	22	25	30	26	22	21	21	33	25	20	16	17	18	16	17	16	35	20	30	22	22	27	26	39	25	25	24	25	28	21	22	23	15	20	19	27	9	17
Other interest income
164	173	234	249	200	231	251	178	100	71	88	96	117	113	119	146	144	69	40	50	36	39	24	24	18	-	19	-	-	-	-	-	-	-	-	-	-	-	-
Federal funds sold and interest bearing deposits with banks
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23	12	21	11	18	8	11	7	11	9	9	8
Total interest income
7,674	7,957	8,220	8,219	7,658	7,626	7,433	7,063	6,764	6,773	6,728	6,578	6,343	6,244	6,215	6,289	6,346	5,109	4,553	4,555	4,496	4,588	4,646	4,663	4,502	4,632	4,649	4,554	4,576	4,681	4,722	4,676	4,721	4,923	5,101	5,150	5,099	5,483	5,583
INTEREST EXPENSE
Deposits
468	510	503	491	456	450	424	395	321	333	336	346	359	393	414	456	500	298	220	239	243	269	278	291	289	329	355	386	404	447	469	539	586	669	739	830	878	1,048	1,155
Retail repurchase agreements
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	6	6	6	7	7	8	9	8	9	12	11	14	18	16	21	17
Advances from Federal Home Loan Bank
-	-	-	-	-	0	0	0	21	11	7	0	0	-	0	-	-	-	-	-	-	0	2	0	3	12	46	47	46	81	98	102	105	125	144	158	158	257	261
Total interest expense
468	510	503	491	456	450	424	395	342	344	343	346	359	393	414	456	500	302	220	239	243	269	280	297	298	347	408	440	458	537	575	650	703	805	897	1,006	1,052	1,326	1,433
Net interest income
7,206	7,447	7,717	7,728	7,202	7,176	7,009	6,668	6,422	6,429	6,385	6,232	5,984	5,851	5,801	5,833	5,846	4,807	4,333	4,316	4,253	4,319	4,366	4,366	4,204	4,285	4,241	4,114	4,118	4,144	4,147	4,026	4,018	4,118	4,204	4,144	4,047	4,157	4,150
Provision for loan losses
351	450	225	300	450	200	455	316	197	298	150	256	211	220	200	150	75	0	0	50	0	0	75	90	25	150	100	225	250	400	350	300	475	500	400	425	500	590	420
Net interest income after provision for loan losses
6,855	6,997	7,492	7,428	6,752	6,976	6,554	6,352	6,225	6,131	6,235	5,976	5,773	5,631	5,601	5,683	5,771	4,807	4,333	4,266	4,253	4,319	4,291	4,276	4,179	4,135	4,141	3,889	3,868	3,744	3,797	3,726	3,543	3,618	3,804	3,719	3,547	3,567	3,730
NONINTEREST INCOME
Noninterest income
1,417	1,415	1,449	1,424	1,240	1,361	1,311	1,351	1,232	1,318	1,270	1,263	1,115	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on sale of securities available for sale and time deposits
-	-15	-35	0	-97	0	0	-96	1	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Unrealized gain (loss) on equity securities
-394	-76	-9	-14	131	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain (loss) on sale of securities
-	-	-	-	-	-	-	-	-	-	-7	61	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Service charges and fees on deposit accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,046	998	924	913	897	856	774	828	816	822	723	785	823	783	721	767	756	744	687	727	750	733	674	715	726
Commission and fee income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	112	69	125	109	121	85	99	111	237	120	78	58	102	76	119	77	63	36	44	33	61	52	30	33	38
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	176	-	-	0	0	-	-	0	54	-	-	8	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of loans
359	420	353	260	158	250	320	290	240	357	417	354	257	290	371	268	250	226	131	178	308	214	180	212	107	-	194	258	-	-	207	247	-	-	169	100	-	194	162
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21	-18	29	0	0	-	11	-19	-	0	0
Other than temporary impairment loss on securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-
Gain on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	223	-	-	-	258	-	-	-	125	-	-
Mortgage brokerage fee income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2	15	33	13	16	15	9	5	11	20	6	11	11	3	6	13	11	9	16	14	0	0
Increase in cash value of life insurance
47	46	47	70	48	48	51	85	43	43	41	72	41	41	40	68	35	34	34	34	33	38	35	40	37	38	38	42	42	43	43	47	48	48	50	51	53	54	54
Other income
60	59	56	61	59	57	45	139	45	37	36	106	40	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	181	36	34	36	28	28	137	25	155	30	29	20	26	23	25	23	25	20	25	20	24	22	27	24	23
Total noninterest income
1,456	1,820	1,833	1,768	1,505	1,208	1,698	1,736	1,526	1,641	1,748	1,856	1,453	1,436	1,750	1,615	1,368	1,320	1,226	1,214	1,364	1,232	1,438	1,287	979	1,079	1,211	1,188	1,162	1,236	1,126	1,100	1,075	1,099	1,074	955	923	1,020	1,003
NONINTEREST EXPENSE
Compensation and benefits
3,502	3,455	3,414	3,208	3,042	2,999	2,914	2,942	2,894	2,939	2,842	2,714	2,720	2,480	2,681	2,620	2,717	2,055	1,885	1,971	2,010	2,033	1,957	1,836	1,835	1,911	1,757	1,724	1,751	1,736	2,471	1,814	1,886	1,852	1,883	1,881	1,830	1,792	1,744
Occupancy and equipment
439	420	404	395	397	399	434	414	413	385	389	388	381	418	447	347	428	347	317	312	311	288	298	293	319	286	281	278	321	317	321	305	306	309	312	311	329	356	347
Data processing
796	976	853	869	838	786	784	764	744	705	696	678	648	657	650	597	537	462	441	406	424	423	404	397	367	374	373	365	346	331	336	333	324	324	297	291	290	285	278
Professional fees
174	143	193	177	229	229	203	181	178	153	190	169	163	204	189	245	192	-211	258	380	201	285	138	153	145	152	164	202	168	152	150	159	153	135	151	164	149	158	184
Advertising
108	151	141	159	89	67	78	103	85	65	94	75	100	64	74	83	92	77	92	79	69	73	82	69	64	73	80	71	38	76	68	65	47	90	72	83	30	54	52
Net loss on foreclosed real estate
1	4	7	93	195	140	-185	400	121	171	-66	-100	311	59	-57	-8	150	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other expenses
805	822	858	863	875	849	967	893	819	836	901	879	832	815	940	960	874	623	658	613	664	741	712	601	569	637	615	666	698	565	637	684	617	547	616	641	624	670	790
Total noninterest expense
5,825	5,971	5,870	5,764	5,665	5,469	5,195	5,697	5,254	5,254	5,046	4,803	5,155	4,697	4,924	4,844	4,990	4,517	3,651	3,761	3,679	3,843	3,591	3,349	3,299	3,433	3,270	3,306	3,322	3,177	3,983	3,360	3,333	3,257	3,331	3,371	3,252	3,315	3,395
Income before income taxes
2,486	2,846	3,455	3,432	2,592	2,715	3,057	2,391	2,497	2,518	2,937	3,029	2,071	2,370	2,427	2,454	2,149	1,610	1,908	1,719	1,938	1,708	2,138	2,214	1,859	1,781	2,082	1,771	1,708	1,803	940	1,466	1,285	1,460	1,547	1,303	1,218	1,272	1,338
Income tax expense
389	440	537	568	442	216	530	287	361	928	825	835	515	626	666	667	564	501	507	487	469	450	611	692	559	534	653	557	511	551	218	427	363	415	451	358	319	359	346
Net Income
2,097	2,406	2,918	2,864	2,150	2,499	2,527	2,104	2,136	1,590	2,112	2,194	1,556	1,744	1,761	1,787	1,585	1,109	1,401	1,232	1,469	1,258	1,527	1,522	1,300	1,247	1,429	1,214	1,197	1,252	722	1,039	922	1,045	1,096	945	899	913	992
Less: net income attributable to the noncontrolling interest in subsidiary
3	3	3	4	3	3	3	4	3	3	3	4	3	3	3	4	3	3	3	4	3	3	3	4	3	3	3	4	3	3	3	4	3	3	3	4	3	3	4
Net Income Attributable to First Capital, Inc.
2,094	2,403	2,915	2,860	2,147	2,496	2,524	2,100	2,133	1,587	2,109	2,190	1,553	1,741	1,758	1,783	1,582	1,106	1,398	1,228	1,466	1,255	1,524	1,518	1,297	1,244	1,426	1,210	1,194	1,249	719	1,035	919	1,042	1,093	941	896	910	988
Earnings per common share attributable to First Capital, Inc.:
Unrealized holding gains arising during the period
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	373	309
Less: reclassification adjustment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Other comprehensive income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	373	309
Comprehensive Income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,283	1,297
Basic (in dollars per share)
0.63	0.73	0.87	0.86	0.64	0.75	0.76	0.63	0.64	0.49	0.63	0.66	0.46	0.52	0.53	0.53	0.47	0.38	0.51	0.45	0.53	0.45	0.56	0.55	0.47	0.45	0.51	0.43	0.43	0.45	0.26	0.37	0.33	0.38	0.39	0.34	0.32	0.33	0.35
Diluted (in dollars per share)
0.63	0.72	0.87	0.86	0.64	0.74	0.76	0.63	0.64	0.48	0.63	0.66	0.46	0.52	0.53	0.53	0.47	0.38	0.51	0.45	0.53	0.45	0.56	0.55	0.47	0.45	0.51	0.43	0.43	0.45	0.26	0.37	0.33	0.38	0.39	0.34	0.32	0.33	0.35
Dividends per share on common shares (in dollars per share)
240.00	-229.53	0.24	0.24	230.00	0.23	0.23	0.23	0.23	0.22	0.22	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.21	0.20	0.20	0.20	0.20	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.18
Deposit Account [Member]
Noninterest income
506	551	560	516	461	566	557	545	509	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ATM and Debit Card Fees [Member]
Noninterest income
765	693	743	729	647	680	641	643	600	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment Advisory, Management and Administrative Service [Member]
Noninterest income
113	142	118	146	98	84	84	130	88	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-