---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-22-002792"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2022-04-26T23:59:59+00:00"
generated_at: "2026-06-26T04:29:38.040084+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Capital Q1 net income $2.5M ($0.75 EPS), down from $2.9M ($0.88 EPS) YoY

## Summary
- Net income $2.5M, diluted EPS $0.75 vs $2.9M, $0.88 in Q1 2021.
- Net interest income after loan loss provision fell $152k; noninterest income down $291k.
- PPP fees recognized dropped to $25k from $625k, pressuring tax-equivalent yield to 2.68% from 3.13%.
- Nonperforming assets declined to $2.1M from $2.3M at Dec 31, 2021.
- Deposits grew $36.5M to $1.07B; loans up $22.7M; total assets $1.17B.

## SEC filing metadata
- accession: 0001171843-22-002792
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2022-04-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070296/000117184322002792/0001171843-22-002792-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184322002792/f8k_042622.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-22-002792
- JSON: https://secwatch.observer/filing/0001171843-22-002792.json
- Plain text: https://secwatch.observer/filing/0001171843-22-002792.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.