FIRST CAPITAL INC FCAP Income Statement

First capital inc (FCAP)

Income statement / TTM

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
25,965	25,746	25,287	24,571	23,574	22,818	22,092	21,479	21,054	20,700	20,335	19,992	19,877	20,078	19,443	18,486	17,431	16,213	15,882	15,956	16,029	15,937	15,904	15,858	15,747	15,833	15,837	15,846	15,906	16,005	16,217	16,497	16,863	17,179	17,674	18,100	0	0	0
Securities:
Taxable
3,396	3,643	3,807	3,807	3,788	3,756	3,777	3,828	3,854	3,835	3,713	3,605	3,446	3,264	2,830	2,236	1,692	1,203	1,073	1,095	1,130	1,185	1,233	1,251	1,263	1,294	1,367	1,485	1,591	1,677	1,745	1,840	1,917	1,936	1,980	2,029	0	0	0
Tax-exempt
1,794	1,706	1,612	1,528	1,468	1,455	1,464	1,485	1,486	1,437	1,360	1,271	1,205	1,163	1,124	1,088	1,036	995	978	984	1,014	1,058	1,105	1,143	1,136	1,113	1,079	1,037	1,000	966	951	960	1,001	1,039	1,068	1,077	0	0	0
Dividends
95	103	103	99	90	97	100	99	94	78	71	67	68	67	84	88	101	107	94	101	97	114	117	115	113	99	102	98	96	94	81	80	77	81	75	72	0	0	0
Other interest income
820	856	914	931	860	760	600	437	355	372	414	445	495	522	478	399	303	195	165	149	123	105	85	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Federal funds sold and interest bearing deposits with banks
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	67	62	58	48	44	37	38	36	37	0	0	0
Total interest income
32,070	32,054	31,723	30,936	29,780	28,886	28,033	27,328	26,843	26,422	25,893	25,380	25,091	25,094	23,959	22,297	20,563	18,713	18,192	18,285	18,393	18,399	18,443	18,446	18,337	18,411	18,460	18,533	18,655	18,800	19,042	19,421	19,895	20,273	20,833	21,315	0	0	0
INTEREST EXPENSE
Deposits
1,972	1,960	1,900	1,821	1,725	1,590	1,473	1,385	1,336	1,374	1,434	1,512	1,622	1,763	1,668	1,474	1,257	1,000	971	1,029	1,081	1,127	1,187	1,264	1,359	1,474	1,592	1,706	1,859	2,041	2,263	2,533	2,824	3,116	3,495	3,911	0	0	0
Retail repurchase agreements
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12	18	25	26	28	31	32	34	38	40	46	55	59	69	72	0	0	0
Advances from Federal Home Loan Bank
-	-	-	-	-	21	32	39	39	18	0	0	0	-	0	-	-	-	-	-	-	5	17	61	108	151	220	272	327	386	430	476	532	585	717	834	0	0	0
Total interest expense
1,972	1,960	1,900	1,821	1,725	1,611	1,505	1,424	1,375	1,392	1,441	1,512	1,622	1,763	1,672	1,478	1,261	1,004	971	1,031	1,089	1,144	1,222	1,350	1,493	1,653	1,843	2,010	2,220	2,465	2,733	3,055	3,411	3,760	4,281	4,817	0	0	0
Net interest income
30,098	30,094	29,823	29,115	28,055	27,275	26,528	25,904	25,468	25,030	24,452	23,868	23,469	23,331	22,287	20,819	19,302	17,709	17,221	17,254	17,304	17,255	17,221	17,096	16,844	16,758	16,617	16,523	16,435	16,335	16,309	16,366	16,484	16,513	16,552	16,498	0	0	0
Provision for loan losses
1,326	1,425	1,175	1,405	1,421	1,168	1,266	961	901	915	837	887	781	645	425	225	125	50	50	125	165	190	340	365	500	725	975	1,225	1,300	1,525	1,625	1,675	1,800	1,825	1,915	1,935	0	0	0
Net interest income after provision for loan losses
28,772	28,669	28,648	27,710	26,634	26,107	25,262	24,943	24,567	24,115	23,615	22,981	22,688	22,686	21,862	20,594	19,177	17,659	17,171	17,129	17,139	17,065	16,881	16,731	16,344	16,033	15,642	15,298	15,135	14,810	14,684	14,691	14,684	14,688	14,637	14,563	0	0	0
NONINTEREST INCOME
Noninterest income
5,705	5,528	5,474	5,336	5,263	5,255	5,212	5,171	5,083	4,966	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on sale of securities available for sale and time deposits
-	-147	-132	-97	-193	-95	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Unrealized gain (loss) on equity securities
-493	32	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain (loss) on sale of securities
-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Service charges and fees on deposit accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,881	3,732	3,590	3,440	3,355	3,274	3,240	3,189	3,146	3,153	3,114	3,112	3,094	3,027	2,988	2,954	2,914	2,908	2,897	2,884	2,872	2,848	0	0	0
Commission and fee income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	415	424	440	414	416	532	567	546	493	358	314	355	374	335	295	220	176	174	190	176	176	153	0	0	0
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	0	0	-	-	0	0	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of loans
1,392	1,191	1,021	988	1,018	1,100	1,207	1,304	1,368	1,385	1,318	1,272	1,186	1,179	1,115	875	785	843	831	880	914	713	693	771	0	-	0	0	-	-	0	0	-	-	0	0	-	0	0
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32	11	40	-8	0	-	0	0	-	0	0
Other than temporary impairment loss on securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-
Gain on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	0	-	-
Mortgage brokerage fee income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63	77	77	53	45	40	45	42	48	48	31	31	33	33	39	49	50	39	30	0	0	0
Increase in cash value of life insurance
210	211	213	217	232	227	222	212	199	197	195	194	190	184	177	171	137	135	139	140	146	150	150	153	155	160	165	170	175	181	186	193	197	202	208	212	0	0	0
Other income
236	235	233	222	300	286	266	257	224	219	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	287	134	126	229	218	345	347	239	234	105	98	94	97	96	93	93	90	89	91	93	97	96	0	0	0
Total noninterest income
6,877	6,926	6,314	6,179	6,147	6,168	6,601	6,651	6,771	6,698	6,493	6,495	6,254	6,169	6,053	5,529	5,128	5,124	5,036	5,248	5,321	4,936	4,783	4,556	4,457	4,640	4,797	4,712	4,624	4,537	4,400	4,348	4,203	4,051	3,972	3,901	0	0	0
NONINTEREST EXPENSE
Compensation and benefits
13,579	13,119	12,663	12,163	11,897	11,749	11,689	11,617	11,389	11,215	10,756	10,595	10,501	10,498	10,073	9,277	8,628	7,921	7,899	7,971	7,836	7,661	7,539	7,339	7,227	7,143	6,968	7,682	7,772	7,907	8,023	7,435	7,502	7,446	7,386	7,247	0	0	0
Occupancy and equipment
1,658	1,616	1,595	1,625	1,644	1,660	1,646	1,601	1,575	1,543	1,576	1,634	1,593	1,640	1,569	1,439	1,404	1,287	1,228	1,209	1,190	1,198	1,196	1,179	1,164	1,166	1,197	1,237	1,264	1,249	1,241	1,232	1,238	1,261	1,308	1,343	0	0	0
Data processing
3,494	3,536	3,346	3,277	3,172	3,078	2,997	2,909	2,823	2,727	2,679	2,633	2,552	2,441	2,246	2,037	1,846	1,733	1,694	1,657	1,648	1,591	1,542	1,511	1,479	1,458	1,415	1,378	1,346	1,324	1,317	1,278	1,236	1,202	1,163	1,144	0	0	0
Professional fees
687	742	828	838	842	791	715	702	690	675	726	725	801	830	415	484	619	628	1,124	1,004	777	721	588	614	663	686	686	672	629	614	597	598	603	599	622	655	0	0	0
Advertising
559	540	456	393	337	333	331	347	319	334	333	313	321	313	326	344	340	317	313	303	293	288	288	286	288	262	265	253	247	256	270	274	292	275	239	219	0	0	0
Net loss on foreclosed real estate
105	299	435	243	550	476	507	626	126	316	204	213	305	144	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other expenses
3,348	3,418	3,445	3,554	3,584	3,528	3,515	3,449	3,435	3,448	3,427	3,466	3,547	3,589	3,397	3,115	2,768	2,558	2,676	2,730	2,718	2,623	2,519	2,422	2,487	2,616	2,544	2,566	2,584	2,503	2,485	2,464	2,421	2,428	2,551	2,725	0	0	0
Total noninterest expense
23,430	23,270	22,768	22,093	22,026	21,615	21,400	21,251	20,357	20,258	19,701	19,579	19,620	19,455	19,275	18,002	16,919	15,608	14,934	14,874	14,462	14,082	13,672	13,351	13,308	13,331	13,075	13,788	13,842	13,853	13,933	13,281	13,292	13,211	13,269	13,333	0	0	0
Income before income taxes
12,219	12,325	12,194	11,796	10,755	10,660	10,463	10,343	10,981	10,555	10,407	9,897	9,322	9,400	8,640	8,121	7,386	7,175	7,273	7,503	7,998	7,919	7,992	7,936	7,493	7,342	7,364	6,222	5,917	5,494	5,151	5,758	5,595	5,528	5,340	5,131	0	0	0
Income tax expense
1,934	1,987	1,763	1,756	1,475	1,394	2,106	2,401	2,949	3,103	2,801	2,642	2,474	2,523	2,398	2,239	2,059	1,964	1,913	2,017	2,222	2,312	2,396	2,438	2,303	2,255	2,272	1,837	1,707	1,559	1,423	1,656	1,587	1,543	1,487	1,382	0	0	0
Net Income
10,285	10,338	10,431	10,040	9,280	9,266	8,357	7,942	8,032	7,452	7,606	7,255	6,848	6,877	6,242	5,882	5,327	5,211	5,360	5,486	5,776	5,607	5,596	5,498	5,190	5,087	5,092	4,385	4,210	3,935	3,728	4,102	4,008	3,985	3,853	3,749	0	0	0
Less: net income attributable to the noncontrolling interest in subsidiary
13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	13	14	0	0	0
Net Income Attributable to First Capital, Inc.
10,272	10,325	10,418	10,027	9,267	9,253	8,344	7,929	8,019	7,439	7,593	7,242	6,835	6,864	6,229	5,869	5,314	5,198	5,347	5,473	5,763	5,594	5,583	5,485	5,177	5,074	5,079	4,372	4,197	3,922	3,715	4,089	3,995	3,972	3,840	3,735	0	0	0
Earnings per common share attributable to First Capital, Inc.:
Unrealized holding gains arising during the period
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Less: reclassification adjustment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Other comprehensive income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Comprehensive Income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
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
2,133	2,088	2,103	2,100	2,129	2,177	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ATM and Debit Card Fees [Member]
Noninterest income
2,930	2,812	2,799	2,697	2,611	2,564	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment Advisory, Management and Administrative Service [Member]
Noninterest income
519	504	446	412	396	386	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-