Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 229

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 10
Chunk 229
---
(142
			)

			435

			561

			Provision for credit losses

			41

			(86
			)

			(11
			)

			11

			204

			220

			613

			149

			1,141

			Charge-offs

			(31
			)

			(15
			)

			-

			-

			-

			-

			(205
			)

			(430
			)

			(681
			)

			Recoveries

			21

			2

			-

			-

			-

			-

			9

			180

			212

			Ending balance

			$
			1,490

			$
			406

			$
			332

			$
			208

			$
			804

			$
			2,119

			$
			1,431

			$
			1,215

			$
			8,005

F-28

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

(4 - continued)

There have been no significant changes to the types of collateral securing the Company’s collateral dependent loans. The following table presents the amortized cost basis of, and ACL allocation to, individually evaluated collateral-dependent loans by class of loans as of December 31, 2024:

			Real

			ACL

			Estate

			Equipment

			Other

			Total

			Allocation

			(In thousands) 

			1-4 Family Residential Mortgage

			$
			1,613

			$
			-

			$
			-

			$
			1,613

			$
			-

			Home Equity and Second Mortgage

			714

			-

			-

			714

			-

			Multifamily Residential

			-

			-

			-

			-

			-

			1-4 Family Residential Construction

			90

			-

			-

			90

			54

			Other Construction, Development and Land

			106

			-

			-

			106

			-

			Commercial Real Estate