Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 15

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 15
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9,454

			8,474

			7,033

			Recoveries:

			1-4 Family Residential Mortgage

			29

			21

			5

			Multifamily Residential

			-

			-

			-

			Commercial Real Estate

			1

			-

			-

			1-4 Family Residential Construction

			-

			-

			-

			Other Construction, Development and Land

			-

			-

			5

			Home Equity and Second Mortgage

			4

			2

			2

			Commercial Business

			2

			9

			-

			Consumer and Other

			140

			180

			232

			Total recoveries

			176

			212

			244

			Charge-offs:

			1-4 Family Residential Mortgage

			4

			31

			48

			Multifamily Residential

			-

			-

			-

			Commercial Real Estate

			-

			-

			-

			1-4 Family Residential Construction

			-

			-

			-

			Other Construction, Development and Land

			-

			-

			-

			Home Equity and Second Mortgage

			-

			15

			-

			Commercial Business

			-

			205

			-

			Consumer and Other

			345

			430

			457

			Total charge-offs

			349

			681

			505

			Net charge-offs

			(173
			)

			(469
			)

			(261
			)

			Balance at end of period

			$
			9,281

			$
			8,005

			$
			6,772

			Ratio of allowance to total loans outstanding at the end of the period

			1.45
			%

			1.29
			%

			1.25
			%

			Ratio of nonaccrual loans to total loans

			0.69
			%

			0.28
			%

			0.25
			%

			Allowance as a % of nonperforming loans

			211.80