Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 16

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 16
---

			%

			457.17
			%

			454.50
			%

			Ratio of net charge-offs to average loans outstanding during the period:

			1-4 Family Residential Mortgage

			-0.02
			%

			0.01
			%

			0.04
			%

			Multifamily Residential

			0.00
			%

			0.00
			%

			0.00
			%

			Commercial Real Estate

			0.00
			%

			0.00
			%

			0.00
			%

			1-4 Family Residential Construction

			0.00
			%

			0.00
			%

			0.00
			%

			Other Construction, Development and Land

			0.00
			%

			0.00
			%

			-0.01
			%

			Home Equity and Second Mortgage

			-0.01
			%

			0.02
			%

			0.00
			%

			Commercial Business

			0.00
			%

			0.29
			%

			0.00
			%

			Consumer and Other

			0.35
			%

			0.45
			%

			0.40
			%

			Total net charge-offs to average loans outstanding during the period

			0.03
			%

			0.08
			%

			0.05
			%

10

ACL on Loans Analysis. The following table sets forth the breakdown of the ACL on loans by loan category at the dates indicated.

			At December 31,

			2024

			2023

			Amount

			Percent of Outstanding Loans in Category

			Amount

			Percent of Outstanding Loans in Category

			(Dollars in thousands)

			1-4 Family Residential Mortgage

			$
			1,592

			21.73
			%
			 
			$
			1,490

			21.49
			%

			Multifamily Residential

			545

			5.77
			%

			332

			6.44