Company: FCAP
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001171843-25-003186
Chunk: 81

Company: FIRST CAPITAL INC
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 8
Chunk 81
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4 financial information:

			At March 31, 2025

			At December 31, 2024

			Immediate Change

			One Year Horizon

			One Year Horizon

			in the Level

			Dollar

			Percent

			Dollar

			Percent

			of Interest Rates

			Change

			Change

			Change

			Change

			(Dollars in thousands)

			300bp

			$
			2,076

			5.38
			%
			 
			$
			1,314

			3.56
			%

			200bp

			1,495

			3.87

			1,154

			3.13

			100bp

			792

			2.05

			656

			1.78

			Static

			-

			-

			-

			-

			(100)bp

			(1,050
			)

			(2.72
			)

			(897
			)

			(2.43
			)

			(200)bp

			(1,931
			)

			(5.00
			)

			(1,681
			)

			(4.55
			)

			(300)bp

			(2,907
			)

			(7.52
			)

			(2,490
			)

			(6.74
			)

At March 31, 2025 and December 31, 2024, the Company’s simulated exposure to an increase in interest rates shows that an immediate and sustained increase in rates of 1.00%, 2.00% or 3.00% would increase the Company’s net interest income over a one year horizon compared to a flat interest rate scenario. At March 31, 2025 and December 31, 2024, the Company’s simulated exposure to a decrease in interest rates shows that an immediate and sustained decrease in rates of 1.00%, 2.00% or 3.00% would decrease the Company’s net interest income over a one year horizon compared to a flat interest rate scenario. During the quarter ended March 31, 2025, management evaluated and adjusted deposit