Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 578

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 14
Chunk 578
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2023.  Adjustments are made to reflect new directors and officers added during the year, as well as directors and officers that left the Company during the year.

			(In thousands)

			2024

			2023

			Beginning balance

			$
			5,877

			$
			6,279

			Adjustments due to officer and director changes

			29

			(14
			)

			New loans

			1,100

			837

			Payments

			(1,697
			)

			(1,225
			)

			Ending balance

			$
			5,309

			$
			5,877

Off-balance-sheet commitments (including commitments to make loans, unused lines of credit and letters of credit) to related parties at December 31, 2024 and 2023 were $2.1 million and $2.6 million, respectively.

F-26

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - CONTINUED

(4 - continued)

The following table provides the components of the Company’s amortized cost basis in loans at December 31, 2024:

			Other

			1-4 Family 

			Home Equity

			1-4 Family

			Construction,

			Residential

			and Second 

			Multifamily

			Residential

			Development

			Commercial

			Commercial

			Consumer

			Mortgage

			Mortgage

			Residential

			Construction

			and Land

			Real Estate

			Business

			and Other

			Total

			(In thousands)

			Amortized Cost Basis in Loans:

			Principal loan balance

			$
			138,936

			$
			66,549

			$
			36,822

			$
			15,245

			$
			75,840

			$
			184,851

			$
			62,727

			$
			58,406

			$
			639,376

			Net deferred loan origination fees and costs

			98

			1,206

			(17
			)

			-

			(29
			)

			(145