Form 8-K

8-K — FIRST CAPITAL INC

Accession: 0001104659-26-086673

Filed: 2026-07-24

Period: 2026-07-24

CIK: 0001070296

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — fcap-20260724x8k.htm (Primary)

EX-99.1 (fcap-20260724xex99d1.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: fcap-20260724x8k.htm · Sequence: 1

FIRST CAPITAL, INC._July 24, 2026

0001070296false00010702962026-07-242026-07-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 24, 2026

FIRST CAPITAL, INC.

(Exact name of registrant as specified in its charter)

Indiana

0-25023

35-2056949

(State or Other Jurisdiction of Incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

220 Federal Drive N.W.

Corydon, Indiana 47112

(Address of Principal Executive Offices) (Zip Code)

(812) 738-2198

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common stock, par value $0.01 per share

FCAP

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On July 24, 2026, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits.

Exhibit 99.1

Press Release dated July 24, 2026

Exhibit 104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FIRST CAPITAL, INC.

Date: July 24, 2026

By:

/s/ Joshua P. Stevens

Joshua P. Stevens

Executive Vice President and Chief Financial Officer

EX-99.1

Filename: fcap-20260724xex99d1.htm · Sequence: 2

Exhibit 99.1

FIRST CAPITAL, INC. REPORTS QUARTERLY EARNINGS

Corydon, Indiana — (BUSINESS WIRE) — July 24, 2026. First Capital, Inc. (the “Company”) (NASDAQ: FCAP), the holding company for First Harrison Bank (the “Bank”), today reported net income of $4.8 million, or $1.43 per diluted share, for the quarter ended June 30, 2026, compared to net income of $3.8 million, or $1.13 per diluted share, for the quarter ended June 30, 2025.

Results of Operations for the Three Months Ended June 30, 2026 and 2025

Net interest income after provision for credit losses increased $1.6 million for the quarter ended June 30, 2026 compared to the same period in 2025. Interest income increased $1.6 million when comparing the two periods due to an increase in the average tax-equivalent yield(1) on interest-earning assets from 4.82% for the second quarter of 2025 to 5.12% for the same period in 2026, in addition to an increase in the average balance of interest-earning assets from $1.18 billion for the second quarter of 2025 to $1.24 billion for the same period in 2026. Interest expense decreased $93,000 when comparing the periods as the average cost of interest-bearing liabilities decreased from 1.64% for the quarter ended June 30, 2025 to 1.56% for the same period in 2026 while the average balance of interest-bearing liabilities increased from $883.8 million for the quarter ended June 30, 2025 to $907.3 million for the same period in 2026. As a result of the changes in interest-earning assets and interest-bearing liabilities, the tax-equivalent net interest margin(1) increased from 3.59% for the quarter ended June 30, 2025 to 3.98% for the same period in 2026. Refer to the accompanying average balance sheet for more information regarding changes in the composition of the Company’s balance sheet and resulting yields and costs from the quarter ended June 30, 2025 to the quarter ended June 30, 2026.

Based on management’s analysis of the Allowance for Credit Losses (“ACL”) on loans and unfunded loan commitments, the provision for credit losses increased from $306,000 for the quarter ended June 30, 2025 to $425,000 for the quarter ended June 30, 2026. The Bank recognized net charge-offs of $58,000 and $113,000 for the quarters ended June 30, 2026 and 2025, respectively.

Noninterest income increased $187,000 for the quarter ended June 30, 2026 as compared to the quarter ended June 30, 2025. The increase is primarily due to the Company recognizing a $92,000 gain on equity securities during the quarter ended June 30, 2026 compared to a loss of $41,000 during the same period in 2025. In addition, the Company recognized an increase of $54,000 in service charges on deposit accounts when comparing the two periods.

Noninterest expenses increased $359,000 for the quarter ended June 30, 2026 as compared to the same period in 2025. This was primarily due to increases in compensation and benefits, advertising, and other expenses of $235,000, $84,000 and $79,000, respectively, when comparing the two periods. The increase in compensation and benefits is due to increases in salary and wages associated with annual cost of living and performance related adjustments as well as increases in the cost of Company-provided health insurance benefits. The increase in advertising expenses is related to various new marketing campaigns undertaken during the quarter ended June 30, 2026. The increase in other expenses was primarily due to general inflationary pressures and routine pricing increases rather than any specific item. These increases were partially offset by a $75,000 decrease in professional services when comparing the two periods due to fewer consulting fees during the quarter ended June 30, 2026.

Income tax expense increased $397,000 for the quarter ended June 30, 2026 as compared to the same period in 2025 resulting in an effective tax rate of 20.8% for the quarter ended June 30, 2026, compared to 18.4% for the same period in 2025. The increase in the Company’s effective tax rate for the quarter ended June 30, 2026 reflects a higher proportion of net income being subject to taxation compared to the same period last year.

Results of Operations for the Six Months Ended June 30, 2026 and 2025

For the six months ended June 30, 2026, the Company reported net income of $9.1 million, or $2.72 per diluted share, compared to net income of $7.0 million, or $2.09 per diluted share, for the same period in 2025.

Net interest income after provision for credit losses increased $3.4 million for the six months ended June 30, 2026 compared to the same period in 2025. Interest income increased $3.2 million when comparing the two periods due to an increase in the average tax-equivalent yield(1) on interest-earning assets from 4.73% for the six months ended June 30, 2025 to 5.04% for the same period in 2026, in addition to an increase in the average balance of interest-earning assets from $1.18 billion for the six months ended June 30, 2025 to $1.23 billion for the same period in 2026. Interest expense decreased $352,000 when comparing the periods as the average cost of interest-bearing liabilities decreased from 1.67% for the six months ended June 30, 2025 to 1.56% for the same period in 2026 while the average balance of interest-bearing liabilities increased from $883.2 million for the six months ended June 30, 2025 to $904.4 million for the same period in 2026. As a result of the changes in interest-earning assets and interest-bearing liabilities, the tax-equivalent net interest margin(1) increased from 3.47% for the six months ended June 30, 2025 to 3.90% for the same period in 2026. Refer to the accompanying average balance sheet for more information regarding changes in the composition of the Company’s balance sheet and resulting yields and costs from the six months ended June 30, 2025 to the six months ended June 30, 2026.

(1) Reconciliations of the non–U.S. Generally Accepted Accounting Principles (“GAAP”) measures are set forth at the end of this press release.

Based on management’s analysis of the ACL on loans and unfunded loan commitments, the provision for credit losses increased from $644,000 for the six months ended June 30, 2025 to $775,000 for the six months ended June 30, 2026. The Bank recognized net charge-offs of $169,000 and $197,000 for the six months ended June 30, 2026 and 2025, respectively.

Noninterest income increased $387,000 for the six months ended June 30, 2026 as compared to the six months ended June 30, 2025. The increase is primarily due to the Company recognizing a $270,000 gain on equity securities during the six months ended June 30, 2026 compared to a loss of $23,000 during the same period in 2025. In addition, the Company recognized increases of $70,000 and $53,000 in ATM and debit card fee income and service charges on deposit accounts, respectively, when comparing the two periods. These increases were partially offset by the Company recognizing a $92,000 loss on sale of available for sale securities for the six months ended June 30, 2026 compared to a loss of $55,000 for the same period in 2025. The loss on sale of available for sale securities during the six months ended June 30, 2026 was a result of management’s decision to sell $18.7 million of available for sale securities to better position the Company’s investment portfolio for increased future yields.

Noninterest expenses increased $931,000 for the six months ended June 30, 2026 as compared to the same period in 2025. This was primarily due to increases in compensation and benefits, other expenses, professional services, and advertising expenses of $470,000, $178,000, $166,000 and $82,000, respectively, when comparing the two periods. The increase in compensation and benefits is due to increases in salary and wages associated with annual cost of living and performance related adjustments as well as increases in the cost of Company-provided health insurance benefits. The increase in other expenses is primarily due to an increase in consumer fraud losses and increased support of the Company’s local communities through sponsorships and donations during the six months ended June 30, 2026 as compared to the same period in 2025. The increase in professional services is due to increased consulting fees. The increase in advertising expenses is related to various new marketing campaigns undertaken during the six months ended June 30, 2026 as compared to the same period in 2025.

Income tax expense increased $755,000 for the six months ended June 30, 2026 as compared to the same period in 2025 resulting in an effective tax rate of 20.0% for the six months ended June 30, 2026, compared to 17.9% for the same period in 2025. The increase in the Company’s effective tax rate for the six months ended June 30, 2026 reflects a higher proportion of net income being subject to taxation compared to the same period last year.

Comparison of Financial Condition at June 30, 2026 and December 31, 2025

Total assets were $1.29 billion at June 30, 2026 compared to $1.27 billion at December 31, 2025. Net loans receivable and cash and cash equivalents increased $14.0 million and $12.5 million, respectively, from December 31, 2025 to June 30, 2026. These increases were partially offset by a decrease of $10.3 million in available for sale securities when comparing the two periods. Deposits increased $13.7 million from $1.12 billion at December 31, 2025 to $1.14 billion at June 30, 2026. Nonperforming assets (consisting of nonaccrual loans, accruing loans 90 days or more past due, and foreclosed real estate) increased from $4.4 million at December 31, 2025 to $4.9 million at June 30, 2026.

The Bank currently has 17 offices in the Indiana communities of Corydon, Edwardsville, Greenville, Floyds Knobs, Palmyra, New Albany, New Salisbury, Jeffersonville, Salem, Lanesville and Charlestown and the Kentucky communities of Shepherdsville, Mt. Washington and Lebanon Junction.

Access to First Harrison Bank accounts, including online banking and electronic bill payments, is available through the Bank’s website at www.firstharrison.com. For more information and financial data about the Company, please visit Investor Relations at the Bank’s aforementioned website. The Bank can also be followed on Facebook.

Cautionary Note Regarding Forward-Looking Statements

This press release may contain certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of the words “anticipate,” “believe,” “expect,” “intend,” “could” and “should,” and other words of similar meaning. Forward-looking statements are not historical facts nor guarantees of future performance; rather, they are statements based on the Company’s current beliefs, assumptions, and expectations regarding its business strategies and their intended results and its future performance.

Numerous risks and uncertainties could cause or contribute to the Company’s actual results, performance and achievements to be materially different from those expressed or implied by these forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; competition; the ability of the Company to execute its business plan; legislative and regulatory changes; the quality and composition of the loan and investment portfolios; loan demand; deposit flows; changes in accounting principles and guidelines; and other factors disclosed periodically in the Company’s filings with the Securities and Exchange Commission.

Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this press release, the Company’s reports, or made elsewhere from time to time by the Company or on its behalf. These forward-looking statements are made only as of the date of this press release, and the Company assumes no obligation to update any forward-looking statements after the date of this press release.

Contact:

Joshua P. Stevens

Chief Financial Officer

812-738-1570

FIRST CAPITAL, INC. AND SUBSIDIARIES

Consolidated Financial Highlights (Unaudited)

Three Months Ended

Six Months Ended

June 30,

OPERATING DATA

2026

2025

2026

2025

(Dollars in thousands, except per share data)

Total interest income

15,622

14,040

30,546

27,386

Total interest expense

3,535

3,628

7,041

7,393

Net interest income

12,087

10,412

23,505

19,993

Provision for credit losses

425

306

775

644

Net interest income after provision for credit losses

11,662

10,106

22,730

19,349

Total non-interest income

2,205

2,018

4,253

3,866

Total non-interest expense

7,853

7,494

15,606

14,675

Income before income taxes

6,014

4,630

11,377

8,540

Income tax expense

1,249

852

2,279

1,524

Net income

4,765

3,778

9,098

7,016

Less net income attributable to the noncontrolling interest

Net income attributable to First Capital, Inc.

4,762

3,775

9,092

7,010

Net income per share attributable to

First Capital, Inc. common shareholders:

Basic

1.43

1.13

2.73

2.09

Diluted

1.43

1.13

2.72

2.09

Weighted average common shares outstanding:

Basic

3,336,190

3,346,653

3,336,134

3,346,751

Diluted

3,339,690

3,350,344

3,339,124

3,349,308

OTHER FINANCIAL DATA

Cash dividends per share

0.31

0.29

0.62

0.58

Return on average assets (annualized)

1.49%

1.24%

1.43%

1.16%

Return on average equity (annualized)

13.60%

12.59%

12.98%

11.86%

Net interest margin

3.91%

3.52%

3.82%

3.40%

Net interest margin (tax-equivalent basis) (1)

3.98%

3.59%

3.90%

3.47%

Interest rate spread

3.49%

3.11%

3.41%

2.99%

Interest rate spread (tax-equivalent basis) (1)

3.56%

3.18%

3.48%

3.06%

Net overhead expense as a percentage of average assets (annualized)

2.46%

2.47%

2.45%

2.43%

June 30,

December 31,

BALANCE SHEET INFORMATION

2026

2025

Cash and cash equivalents

149,812

137,288

Interest-bearing time deposits

1,225

1,470

Investment securities

413,917

424,190

Gross loans

678,838

664,208

Allowance for credit losses

10,714

10,108

Earning assets

1,215,369

1,193,475

Total assets

1,290,041

1,271,995

Deposits

1,136,731

1,122,990

Stockholders' equity, net of noncontrolling interest

142,510

137,797

Allowance for credit losses as a percentage of gross loans

1.58%

1.52%

Non-performing assets:

Nonaccrual loans

4,920

4,268

Accruing loans past due 90 days

—

Foreclosed real estate

—

Regulatory capital ratios (Bank only):

Community Bank Leverage Ratio (2)

11.34%

11.01%

(1) See reconciliation of GAAP and non-GAAP financial measures for additional information relating to the calculation of this item.

(2) Effective March 31, 2020, the Bank opted in to the Community Bank Leverage Ratio (CBLR) framework. As such, the other regulatory ratios are no longer provided.

FIRST CAPITAL, INC. AND SUBSIDIARIES

Consolidated Average Balance Sheets (Unaudited)

For the Three Months ended June 30,

2026

2025

Average

Yield/

Average

Yield/

Balance

Interest

Cost

Balance

Interest

Cost

(Dollars in thousands)

Interest earning assets:

Loans (1) (2):

Taxable

661,948

10,675

6.45%

643,824

10,165

6.32%

Tax-exempt (3)

12,774

176

5.51%

10,686

114

4.27%

Total loans

674,722

10,851

6.43%

654,510

10,279

6.28%

Investment securities:

Taxable (4)

312,690

2,889

3.70%

308,527

2,004

2.60%

Tax-exempt (3)

119,056

902

3.03%

118,418

842

2.84%

Total investment securities

431,746

3,791

3.51%

426,945

2,846

2.67%

Interest bearing deposits with banks (5)

130,539

1,207

3.70%

100,563

1,116

4.44%

Total interest earning assets

1,237,007

15,849

5.12%

1,182,018

14,241

4.82%

Non-interest earning assets

42,055

34,037

Total assets

1,279,062

1,216,055

Interest bearing liabilities:

Interest-bearing demand deposits

442,178

1,203

1.09%

440,186

1,334

1.21%

Savings accounts

223,630

100

0.18%

228,261

165

0.29%

Time deposits

241,466

2,232

3.70%

215,314

2,129

3.96%

Total deposits

907,274

3,535

1.56%

883,761

3,628

1.64%

Total interest bearing liabilities

907,274

3,535

1.56%

883,761

3,628

1.64%

Non-interest bearing liabilities

Non-interest bearing deposits

219,031

202,365

Other liabilities

12,664

9,965

Total liabilities

1,138,969

1,096,091

Stockholders' equity (6)

140,093

119,964

Total liabilities and stockholders' equity

1,279,062

1,216,055

Net interest income (tax-equivalent basis)

12,314

10,613

Less: tax equivalent adjustment

(227)

(201)

Net interest income

12,087

10,412

Interest rate spread

3.49%

3.11%

Interest rate spread (tax-equivalent basis) (7)

3.56%

3.18%

Net interest margin

3.91%

3.52%

Net interest margin (tax-equivalent basis) (7)

3.98%

3.59%

Ratio of average interest earning assets to average interest bearing liabilities

136.34%

133.75%

(1) Interest income on loans includes fee income of $227,000 and $222,000 for the three months ended June 30, 2026 and 2025, respectively.

(2) Average loan balances include loans held for sale and nonperforming loans.

(3) Tax-exempt income has been adjusted to a tax-equivalent basis using the federal marginal tax rate of 21%.

(4) Includes taxable debt and equity securities and FHLB Stock.

(5) Includes interest-bearing deposits with banks and interest-bearing time deposits.

(6) Stockholders' equity attributable to First Capital, Inc.

(7) Reconciliations of the non–U.S. GAAP measures are set forth at the end of this press release.

FIRST CAPITAL, INC. AND SUBSIDIARIES

Consolidated Average Balance Sheets (Unaudited)

For the Six Months ended June 30,

2026

2025

Average

Yield/

Average

Yield/

Balance

Interest

Cost

Balance

Interest

Cost

(Dollars in thousands)

Interest earning assets:

Loans (1) (2):

Taxable

660,861

21,030

6.36%

638,326

19,849

6.22%

Tax-exempt (3)

11,517

285

4.95%

10,786

228

4.23%

Total loans

672,378

21,315

6.34%

649,112

20,077

6.19%

Investment securities:

Taxable (4)

315,200

5,626

3.57%

309,248

3,864

2.50%

Tax-exempt (3)

119,093

1,792

3.01%

118,650

1,663

2.80%

Total investment securities

434,293

7,418

3.42%

427,898

5,527

2.58%

Interest bearing deposits with banks (5)

122,624

2,249

3.67%

98,723

2,179

4.41%

Total interest earning assets

1,229,295

30,982

5.04%

1,175,733

27,783

4.73%

Non-interest earning assets

43,940

31,697

Total assets

1,273,235

1,207,430

Interest bearing liabilities:

Interest-bearing demand deposits

439,812

2,367

1.08%

439,952

2,743

1.25%

Savings accounts

223,502

199

0.18%

226,842

328

0.29%

Time deposits

241,060

4,475

3.71%

216,418

4,322

3.99%

Total deposits

904,374

7,041

1.56%

883,212

7,393

1.67%

Total interest bearing liabilities

904,374

7,041

1.56%

883,212

7,393

1.67%

Non-interest bearing liabilities

Non-interest bearing deposits

216,123

198,218

Other liabilities

12,603

7,804

Total liabilities

1,133,100

1,089,234

Stockholders' equity (6)

140,135

118,196

Total liabilities and stockholders' equity

1,273,235

1,207,430

Net interest income (tax-equivalent basis)

23,941

20,390

Less: tax equivalent adjustment

(436)

(397)

Net interest income

23,505

19,993

Interest rate spread

3.41%

2.99%

Interest rate spread (tax-equivalent basis) (7)

3.48%

3.06%

Net interest margin

3.82%

3.40%

Net interest margin (tax-equivalent basis) (7)

3.90%

3.47%

Ratio of average interest earning assets to average interest bearing liabilities

135.93%

133.12%

(1) Interest income on loans includes fee income of $419,000 and $358,000 for the six months ended June 30, 2026 and 2025, respectively.

(2) Average loan balances include loans held for sale and nonperforming loans.

(3) Tax-exempt income has been adjusted to a tax-equivalent basis using the federal marginal tax rate of 21%.

(4) Includes taxable debt and equity securities and FHLB Stock.

(5) Includes interest-bearing deposits with banks and interest-bearing time deposits.

(6) Stockholders' equity attributable to First Capital, Inc.

(7) Reconciliations of the non–U.S. GAAP measures are set forth at the end of this press release.

RECONCILIATION OF GAAP AND NON-GAAP FINANCIAL MEASURES (UNAUDITED):

This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Management uses these “non-GAAP” measures in its analysis of the Company's performance. Management believes that these non-GAAP financial measures allow for better comparability with prior periods, as well as with peers in the industry who provide a similar presentation, and provide a further understanding of the Company's ongoing operations. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. The following table summarizes the non-GAAP financial measures derived from amounts reported in the Company's consolidated financial statements and reconciles those non-GAAP financial measures with the comparable GAAP financial measures.

Three Months Ended

Six Months Ended

June 30,

2026

2025

2026

2025

(Dollars in thousands)

Net interest income (A)

12,087

10,412

23,505

19,993

Add: Tax-equivalent adjustment

227

201

436

397

Tax-equivalent net interest income (B)

12,314

10,613

23,941

20,390

Average interest earning assets (C)

1,237,007

1,182,018

1,229,295

1,175,733

Net interest margin (A)/(C)

3.91%

3.52%

3.82%

3.40%

Net interest margin (tax-equivalent basis) (B)/(C)

3.98%

3.59%

3.90%

3.47%

Total interest income (D)

15,622

14,040

30,546

27,386

Add: Tax-equivalent adjustment

227

201

436

397

Total interest income tax-equivalent basis (E)

15,849

14,241

30,982

27,783

Average interest earning assets (F)

1,237,007

1,182,018

1,229,295

1,175,733

Average yield on interest earning assets (D)/(F); (G)

5.05%

4.75%

4.97%

4.66%

Average yield on interest earning assets tax-equivalent (E)/(F); (H)

5.12%

4.82%

5.04%

4.73%

Average cost of interest bearing liabilities (I)

1.56%

1.64%

1.56%

1.67%

Interest rate spread (G)-(I)

3.49%

3.11%

3.41%

2.99%

Interest rate spread tax-equivalent (H)-(I)

3.56%

3.18%

3.48%

3.06%

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 7

v3.26.1

Document and Entity Information

Jul. 24, 2026

Document and Entity Information [Abstract]

Document Type

8-K

Document Period End Date

Jul. 24, 2026

Entity File Number

0-25023

Entity Registrant Name

FIRST CAPITAL, INC.

Entity Incorporation, State or Country Code

Entity Tax Identification Number

35-2056949

Entity Address State Or Province

Entity Address, Address Line One

220 Federal Drive N.W.

Entity Address, City or Town

Corydon

Entity Address, Postal Zip Code

47112

City Area Code

812

Local Phone Number

738-2198

Title of 12(b) Security

Common stock, par value $0.01 per share

Trading Symbol

FCAP

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Entity Central Index Key

0001070296

Amendment Flag

false

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration