---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-22-006908"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2022-10-31T23:59:59+00:00"
generated_at: "2026-06-22T21:17:33.363875+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Capital Q3 net income $3.1M ($0.93/diluted share), up from $2.9M ($0.88) YoY

## Summary
- Net interest income after provision rose $1.0M to $1.13B avg earning assets; PPP fees minimal.
- Year-to-date net income $8.4M vs $8.6M; diluted EPS $2.49 vs $2.57.
- Noninterest income fell $397K due to $433K drop in loan sale gains; service charges rose.
- Loan loss provision $175K vs $0 in prior-year quarter; net charge-offs $3K vs $70K.
- Deposits grew $27.5M to $1.06B; nonperforming assets declined to $2.0M.

## SEC filing metadata
- accession: 0001171843-22-006908
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2022-10-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1070296/000117184322006908/0001171843-22-006908-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184322006908/f8k_103122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-22-006908
- JSON: https://secwatch.observer/filing/0001171843-22-006908.json
- Plain text: https://secwatch.observer/filing/0001171843-22-006908.txt

## Key facts
- Earnings Releases
  FIRST CAPITAL INC reported the nine months ended September 30, 2022 results: net income $8.4 million, EPS $2.49 per diluted share.
  - Period: the nine months ended September 30, 2022
  - Net income: $8.4 million
  - EPS: $2.49 per diluted share
  - Result: reported results
  source text: For the nine months ended September 30, 2022, the Company reported net income of $8.4 million or $2.49 per diluted share compared to net income of $8.6 million or $2.57 per diluted share for the same period in 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070296/000117184322006908/0001171843-22-006908-index.htm
- Earnings Releases
  FIRST CAPITAL INC reported the quarter ended September 30, 2022 results: net income $3.1 million, EPS $0.93 per diluted share.
  - Period: the quarter ended September 30, 2022
  - Net income: $3.1 million
  - EPS: $0.93 per diluted share
  - Result: reported results
  source text: First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $3.1 million or $0.93 per diluted share for the quarter ended September 30, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070296/000117184322006908/0001171843-22-006908-index.htm

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