First Capital annual EPS falls to $3.57 from $3.82; Q4 EPS up to $0.97; NPAs surge to $4.5M

FIRST CAPITAL INC

2024-FY EPS reported $3.57 revenue$7,059,000

Net income of $11.9M ($3.57 diluted EPS) for 2024 vs $12.8M ($3.82) in 2023.
Q4 net income of $3.3M ($0.97 diluted EPS) compared to $3.1M ($0.93) in Q4 2023.
Nonperforming assets jumped to $4.5M from $1.8M, driven by $2.6M in two commercial loan relationships.
Tax-equivalent net interest margin improved to 3.20% for 2024 vs 3.16% in 2023.
Provision for credit losses increased to $1.4M from $1.1M; net charge-offs fell to $173K.

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