{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-24-000476","form_type":"8-K","ticker":"FCAP","cik":"0001070296","company_name":"FIRST CAPITAL INC","filed_at":"2024-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.287025+00:00","generated_at":"2026-06-06T12:46:50.914331+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"First Capital annual net income up to $12.8M ($3.82 EPS); Q4 net income down to $3.1M ($0.93 EPS)","bullets":["Full year 2023 net income $12.8M vs $11.9M in 2022; diluted EPS $3.82 vs $3.55.","Q4 2023 net income $3.1M ($0.93 EPS) vs $3.5M ($1.05 EPS) in Q4 2022.","Net interest income after provision fell $465K in Q4 due to higher interest expense on FHLB and BTFP borrowings.","Nonperforming assets rose to $1.8M at Dec 31, 2023 from $1.4M a year earlier; deposits fell $35.2M.","Provision for credit losses was $1.1M for 2023 vs $950K in 2022; net charge-offs $469K vs $261K."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-24-000476","json":"https://secwatch.observer/filing/0001171843-24-000476.json","markdown":"https://secwatch.observer/filing/0001171843-24-000476.md","text":"https://secwatch.observer/filing/0001171843-24-000476.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324000476/0001171843-24-000476-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324000476/f8k_013124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T12:46:50.914331+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":"40af672c3f551d4bd854a8942175168f358b5e51","claim":"FIRST CAPITAL INC reported the year ended December 31, 2023 results: net income $12.8 million, EPS $3.82 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 $12.8 million, or $3.82 per diluted share, for the year ended December 31, 2023, compared to net income of $11.9 million, or $3.55 per diluted share, for the year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324000476/0001171843-24-000476-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$12.8 million"},{"label":"EPS","value":"$3.82 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"a7a30eb9edc6a11e9d062e791686721c04c76713","claim":"FIRST CAPITAL INC reported the quarter ended December 31, 2023 results: net income $3.1 million, EPS $0.93 per diluted share.","evidence_excerpt":"The Company’s net income was $3.1 million, or $0.93 per diluted share, for the quarter ended December 31, 2023, compared to $3.5 million, or $1.05 per diluted share, for the quarter ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324000476/0001171843-24-000476-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$3.1 million"},{"label":"EPS","value":"$0.93 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"}