Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 1221

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 4
Chunk 1221
---
 that are analyzed individually as part of the described process are considered to be pass rated loans.

F-32

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

(4 - continued)

Based on the most recent analysis performed, the risk category of loans by class of loans as of December 31, 2024 and gross write-offs for the year then ended are as follows:

			Term Loans Amortized Cost Basis by Origination Year

			2024

			2023

			2022

			2021

			2020

			Prior

			Revolving

			Total

			(In thousands)

			1-4 Family Residential Mortgage

			Pass

			$
			22,095

			$
			31,871

			$
			26,756

			$
			23,181

			$
			5,824

			$
			27,218

			$
			-

			$
			136,945

			Special Mention

			-

			31

			-

			-

			-

			445

			-

			476

			Substandard

			-

			-

			-

			-

			-

			427

			-

			427

			Doubtful

			-

			-

			41

			154

			73

			918

			-

			1,186

			$
			22,095

			$
			31,902

			$
			26,797

			$
			23,335

			$
			5,897

			$
			29,008

			$
			-

			$
			139,034

			Current period gross write-offs

			$
			-

			$
			-

			$
			-

			$
			-

			$
			-

			$
			4

			$
			-

			$
			4

			Home Equity and Second Mortgage

			Pass

			$
			2,014

			$
			3,962

			$
			3,617

			$
			353

			$
			182

			$