Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 1028

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 3
Chunk 1028
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			(1)

			Includes cash and due from banks, interest-bearing deposits in other depository institutions and federal funds sold.

			(2)

			Per share data excludes net income attributable to noncontrolling interests.

44

			At or For the Year Ended

			SELECTED FINANCIAL RATIOS:

			December 31,

			2024

			2023

			2022

			2021

			2020

			Performance Ratios:

			Return on assets (1)

			1.02
			%

			1.12
			%

			1.03
			%

			1.05
			%

			1.12
			%

			Return on average equity (2)

			10.97
			%

			14.03
			%

			13.07
			%

			10.15
			%

			9.64
			%

			Dividend payout ratio (3)

			31.37
			%

			28.27
			%

			29.30
			%

			30.50
			%

			31.68
			%

			Average equity to average assets

			9.31
			%

			7.97
			%

			7.89
			%

			10.37
			%

			11.57
			%

			Interest rate spread (4)

			2.76
			%

			2.85
			%

			2.90
			%

			2.80
			%

			3.32
			%

			Net interest margin (5)

			3.20
			%

			3.16
			%

			2.95
			%

			2.84
			%

			3.39
			%

			Non-interest expense to average assets

			2.38
			%

			2.28
			%

			2.17
			%

			2.26
			%

			2.54
			%

			Average interest earning assets to

			average interest bearing liabilities

			134.25
			%

			138.88
			%