First Capital reports record FY 2021 net income $11.4M ($3.41 EPS); Q4 net income $2.8M ($0.84 EPS)

FIRST CAPITAL INC

2021-FY EPS reported $3.41 revenue$6,446,000

Full-year net income $11.4M, or $3.41 per diluted share, vs $10.1M ($3.02) in 2020, a record.
Net interest income after provision increased $2.4M; negative provision for loan losses of $325,000 vs provision $1.8M in 2020.
Noninterest income up $952k, driven by ATM/debit card fees (+$588k) and unrealized gain on equity securities ($328k).
Total assets $1.16B (up from $1.02B); deposits increased $135.1M; nonperforming assets down to $2.3M from $3.2M.
Bank well-capitalized; originated $62.4M PPP loans including $16.5M second-draw in 2021.

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