{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-006505","form_type":"8-K","ticker":"FCAP","cik":"0001070296","company_name":"FIRST CAPITAL INC","filed_at":"2023-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.121280+00:00","generated_at":"2026-06-09T06:41:09.298112+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"First Capital Q3 net income flat at $3.1M; net interest spread narrows to 2.74%","bullets":["Q3 net income $3.1M ($0.94 diluted EPS) vs $3.1M ($0.93) a year ago; nine-month net income $9.7M ($2.89) vs $8.4M ($2.49).","Net interest income after provision fell $236k as interest expense rose $2.3M (cost of liabilities 1.30% vs 0.20%).","Tax-equivalent interest rate spread narrowed to 2.74% from 3.07%; provision for credit losses increased to $290k.","Average borrowings of $16.3M (rate 5.22%) in Q3 2023 vs none in 2022; deposits decreased $42.9M to $1.02B.","Nonperforming assets increased to $1.6M from $1.4M at December 31, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-006505","json":"https://secwatch.observer/filing/0001171843-23-006505.json","markdown":"https://secwatch.observer/filing/0001171843-23-006505.md","text":"https://secwatch.observer/filing/0001171843-23-006505.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070296/000117184323006505/0001171843-23-006505-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070296/000117184323006505/f8k_102723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T06:41:09.298112+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"145e7726337da61264d7666617b5bef3ff051231","claim":"FIRST CAPITAL INC reported the nine months ended September 30, 2023 results: net income $9.7 million, EPS $2.89 per diluted share.","evidence_excerpt":"For the nine months ended September 30, 2023, the Company reported net income of $9.7 million or $2.89 per diluted share compared to net income of $8.4 million or $2.49 per diluted share for the same period in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1070296/000117184323006505/0001171843-23-006505-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$9.7 million"},{"label":"EPS","value":"$2.89 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"7b83e841ad0b063828f98ecf5ce93ab5c0038e6e","claim":"FIRST CAPITAL INC reported the quarter ended September 30, 2023 results: net income $3.1 million, EPS $0.94 per diluted share.","evidence_excerpt":"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 $0.94 per diluted share for the quarter ended September 30, 2023, compared to $3.1 million or $0.93 per diluted share for the quarter ended September 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1070296/000117184323006505/0001171843-23-006505-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$3.1 million"},{"label":"EPS","value":"$0.94 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}