{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-24-002291","form_type":"8-K","ticker":"FCAP","cik":"0001070296","company_name":"FIRST CAPITAL INC","filed_at":"2024-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.172445+00:00","generated_at":"2026-06-03T06:11:28.475250+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Capital Q1 net income falls 21% to $3.0M ($0.88 EPS) on higher interest expense","bullets":["Net income of $3.0M ($0.88 diluted EPS), down from $3.8M ($1.14) in Q1 2023.","Net interest margin narrowed to 3.14% from 3.38% as interest expense surged $2.2M.","Provision for credit losses increased to $280K from $193K due to loan growth and macroeconomic uncertainty.","Deposits fell $15.1M to $1.01B; BTFP borrowings rose to $33.6M from $21.5M at year-end.","Nonperforming assets decreased to $1.7M from $1.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-24-002291","json":"https://secwatch.observer/filing/0001171843-24-002291.json","markdown":"https://secwatch.observer/filing/0001171843-24-002291.md","text":"https://secwatch.observer/filing/0001171843-24-002291.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324002291/0001171843-24-002291-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324002291/f8k_042624.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T06:11:28.475250+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":"e2aa212d99484a1338553811c4f21a87e6709666","claim":"FIRST CAPITAL INC reported the quarter ended March 31, 2024 results: net income $3.0 million, EPS $0.88 per diluted share.","evidence_excerpt":"First Capital, Inc. Reports Quarterly Earnings CORYDON, Ind., April 26, 2024 (GLOBE NEWSWIRE) -- First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $3.0 million, or $0.88 per diluted share, for the quarter ended March 31, 2024, compared to net income of $3.8 million, or $1.14 per diluted share, for the quarter ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1070296/000117184324002291/0001171843-24-002291-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$3.0 million"},{"label":"EPS","value":"$0.88 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"}