Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 2

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 2
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			21.73
			%
			 
			$
			133,480

			21.49
			%

			Multifamily Residential

			36,822

			5.77
			%

			39,963

			6.44
			%

			Commercial Real Estate

			184,851

			28.91
			%

			168,757

			27.16
			%

			1-4 Family Residential Construction

			15,245

			2.38
			%

			15,667

			2.52
			%

			Other Construction, Development and Land

			75,840

			11.86
			%

			76,713

			12.35
			%

			Home Equity and Second Mortgage

			66,549

			10.41
			%

			62,070

			9.99
			%

			Total Mortgage Loans

			518,243

			81.06
			%

			496,650

			79.95
			%

			Commercial Business Loans

			62,727

			9.81
			%

			68,223

			10.98
			%

			Consumer and Other

			58,406

			9.13
			%

			56,373

			9.07
			%

			Total Gross Loans

			639,376

			100.00
			%

			621,246

			100.00
			%

			Less:

			Deferred Loan Fees Net of Direct Costs

			(1,104
			)

			(1,168
			)

			Allowance for Credit Losses

			9,281

			8,005

			Total Loans, Net

			$
			631,199

			$
			614,409

3

Residential Loans.  The Bank’s lending activities have concentrated on the origination of residential mortgages, including those secured by 1-4 family residential and multifamily properties, both for sale in the secondary market and for retention in the Bank’s loan portfolio.  Substantially all residential mortgages are collateralized by properties within the Bank’s