First Capital Q1 net income $3.2M ($0.97/sh), up 6.7% YoY; NIM expands to 3.34%

FIRST CAPITAL INC

2025-Q1 EPS reported $0.97 revenue$1,677,000

Net income rose to $3.2M ($0.97 diluted EPS) from $3.0M ($0.88) YoY, up 6.7%.
Net interest margin (tax-equivalent) reached 3.34%, up from 3.14%, driven by higher asset yield.
Total assets $1.21B, deposits increased $17.5M to $1.08B; nonperforming assets fell to $4.1M.
Provision for credit losses rose to $338K from $280K; net charge-offs $84K.
Noninterest expenses up $424K, primarily compensation and snow removal costs.

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