---
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"
generated_at: "2026-06-06T12:46:50.914331+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# First Capital annual net income up to $12.8M ($3.82 EPS); Q4 net income down to $3.1M ($0.93 EPS)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-000476
- JSON: https://secwatch.observer/filing/0001171843-24-000476.json
- Plain text: https://secwatch.observer/filing/0001171843-24-000476.txt

## Key facts
- Earnings Releases
  FIRST CAPITAL INC reported the year ended December 31, 2023 results: net income $12.8 million, EPS $3.82 per diluted share.
  - Period: the year ended December 31, 2023
  - Net income: $12.8 million
  - EPS: $3.82 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 $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_url: https://www.sec.gov/Archives/edgar/data/1070296/000117184324000476/0001171843-24-000476-index.htm
- Earnings Releases
  FIRST CAPITAL INC reported the quarter ended December 31, 2023 results: net income $3.1 million, EPS $0.93 per diluted share.
  - Period: the quarter ended December 31, 2023
  - Net income: $3.1 million
  - EPS: $0.93 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1070296/000117184324000476/0001171843-24-000476-index.htm

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