{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-000406","form_type":"8-K","ticker":"FCAP","cik":"0001070296","company_name":"FIRST CAPITAL INC","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.864255+00:00","generated_at":"2026-05-27T10:17:40.509143+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 annual EPS falls to $3.57 from $3.82; Q4 EPS up to $0.97; NPAs surge to $4.5M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-000406","json":"https://secwatch.observer/filing/0001171843-25-000406.json","markdown":"https://secwatch.observer/filing/0001171843-25-000406.md","text":"https://secwatch.observer/filing/0001171843-25-000406.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1070296/000117184325000406/0001171843-25-000406-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1070296/000117184325000406/f8k_012425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T10:17:40.509143+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}