Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 8

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 8
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 Land

			10,601

			43,277

			16,062

			5,900

			75,840

			Home Equity and Second Mortgage

			2,980

			5,447

			8,883

			49,239

			66,549

			Commercial Business

			18,732

			32,005

			8,765

			3,225

			62,727

			Consumer and Other

			15,982

			35,836

			6,588

			-

			58,406

			Total Gross Loans

			$
			75,910

			$
			204,288

			$
			222,741

			$
			136,437

			$
			639,376

The following table sets forth the dollar amount of all loans due after December 31, 2025, which have fixed interest rates and have floating or adjustable interest rates.

			Floating or

			Fixed

			Adjustable

			Rates

			Rates

			(In thousands)

			1-4 Family Residential Mortgage

			$
			53,940

			$
			81,034

			Multifamily Residential

			10,142

			24,902

			Commercial Real Estate

			55,788

			121,393

			1-4 Family Residential Construction

			-

			1,040

			Other Construction, Development and Land

			38,232

			27,007

			Home Equity and Second Mortgage

			9,335

			54,234

			Commercial Business

			37,768

			6,227

			Consumer and Other

			37,677

			4,747

			Total Gross Loans

			$
			242,882

			$
			320,584

6

Loan Solicitation and Processing.  A majority of the Bank’s loan originations are made to existing customers.  Walk-ins and customer referrals are also a source of loan originations.  Upon receipt of a loan application, a credit report is ordered to verify specific information relating to the loan applicant’s employment, income and credit standing.  A loan applicant’s income is verified through the applicant