secwatch.observer — SEC 8-K summary
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Issuer:     FIRST CAPITAL INC (FCAP)
CIK:        0001070296
Form:       8-K
Filed at:   2022-10-31T23:59:59+00:00
Accession:  0001171843-22-006908
Event type: earnings
Sentiment:  positive
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1070296/000117184322006908/0001171843-22-006908-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1070296/000117184322006908/f8k_103122.htm
  HTML page:      https://secwatch.observer/filing/0001171843-22-006908

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer