---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-22-004944"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2022-07-21T23:59:59+00:00"
generated_at: "2026-06-24T09:48:56.278811+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Capital Q2 net income flat at $2.7M; EPS $0.81 vs $0.82 YoY

## Summary
- Net income of $2.7M ($0.81 diluted EPS) for Q2 2022 vs $2.7M ($0.82) a year ago.
- Net interest income after provision up $587K; provision for loan losses $200K vs $0.
- Noninterest income fell $587K on $446K lower gains on loan sales and $99K unrealized loss on equities.
- Total assets $1.18B at June 30, 2022; deposits grew $49.1M since Dec. 31, 2021.
- Nonperforming assets decreased to $2.0M from $2.3M at Dec. 31, 2021.

## SEC filing metadata
- accession: 0001171843-22-004944
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2022-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070296/000117184322004944/0001171843-22-004944-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184322004944/f8k_072122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-22-004944
- JSON: https://secwatch.observer/filing/0001171843-22-004944.json
- Plain text: https://secwatch.observer/filing/0001171843-22-004944.txt

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