---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-23-000511"
form_type: "8-K"
ticker: "FCAP"
cik: "0001070296"
company_name: "FIRST CAPITAL INC"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T07:46:39.741907+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# First Capital reports record 2022 net income of $11.9M, EPS $3.55

## Summary
- Full year net income $11.9M ($3.55 diluted EPS) vs $11.4M ($3.41) in 2021.
- Q4 net income $3.5M ($1.05 diluted EPS) vs $2.8M ($0.84) in Q4 2021.
- Net interest income after provision increased $2.7M for 2022; provision for loan losses $950K.
- Noninterest income fell $1.6M on lower loan sale gains and unrealized loss on equity securities.
- Deposits grew $24.8M to $1.06B; nonperforming assets declined to $2.0M from $2.3M.

## SEC filing metadata
- accession: 0001171843-23-000511
- form_type: 8-K
- ticker: FCAP
- cik: 0001070296
- company_name: FIRST CAPITAL INC
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1070296/000117184323000511/0001171843-23-000511-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1070296/000117184323000511/f8k_012623.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-23-000511
- JSON: https://secwatch.observer/filing/0001171843-23-000511.json
- Plain text: https://secwatch.observer/filing/0001171843-23-000511.txt

## Key facts
- Earnings Releases
  FIRST CAPITAL INC reported the quarter ended December 31, 2022 results: net income $3.5 million, EPS $1.05 per diluted share.
  - Period: the quarter ended December 31, 2022
  - Net income: $3.5 million
  - EPS: $1.05 per diluted share
  - Result: reported results
  source text: The Company’s net income was $3.5 million, or $1.05 per diluted share, for the quarter ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070296/000117184323000511/0001171843-23-000511-index.htm
- Earnings Releases
  FIRST CAPITAL INC reported the year ended December 31, 2022 results: net income $11.9 million, EPS $3.55 per diluted share.
  - Period: the year ended December 31, 2022
  - Net income: $11.9 million
  - EPS: $3.55 per diluted share
  - Result: reported results
  source text: today reported net income of $11.9 million, or $3.55 per diluted share, for the year ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1070296/000117184323000511/0001171843-23-000511-index.htm

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