Company: FCAP
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001171843-25-001868
Chunk: 1393

Company: FIRST CAPITAL INC
Filing Date: 2025-03-31
Form: 10-K
Item: Item 6
Chunk 1393
---
,355

			4.85
			%

			8,632

			436

			5.05
			%

			-

			-

			0.00
			%

			Total borrowings

			29,654

			1,454

			4.90
			%

			14,716

			776

			5.27
			%

			-

			-

			0.00
			%

			Total interest-bearing

			liabilities

			850,036

			14,681

			1.73
			%

			809,160

			9,017

			1.11
			%

			802,782

			1,594

			0.20
			%

			Noninterest-bearing

			liabilities:

			Noninterest-bearing

			deposits

			203,699

			236,471

			255,113

			Other liabilities

			7,046

			7,056

			5,591

			Total liabilities

			1,060,781

			1,052,687

			1,063,486

			Stockholders' equity (6)

			108,874

			91,179

			91,068

			Total liabilities and

			stockholders' equity

			$
			1,169,655

			$
			1,143,866

			$
			1,154,554

			Net interest income (tax equivalent basis)

			$
			36,568

			$
			35,530

			$
			33,248

			Less: tax equivalent adjustment

			(778
			)

			(942
			)

			(902
			)

			Net interest income

			$
			35,790

			$
			34,588

			$
			32,346

			Interest rate spread

			2.70
			%

			2.77
			%

			2.82
			%

			Interest rate spread (tax equivalent basis)

			2.76
			%

			2.85
			%

			2