First Capital, Inc. (FCAP)

First Capital Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	11.94	12.79	11.9	11.42	10.13
Depreciation & Amortization	1.1	1.03	1.07	1.14	1.2
Gain (Loss) on Sale of Assets	-0.01	-	-0.02	0.01	0
Gain (Loss) on Sale of Investments	1.42	1.75	2.43	1.89	2.36
Total Asset Writedown	-	-	-	-	0.01
Provision for Credit Losses	1.45	1.14	0.95	-0.33	1.8
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.88	0.41	2.45	7.97	-1.05
Accrued Interest Receivable	0.21	-0.5	-0.86	0	-0.36
Change in Other Net Operating Assets	3.33	-4.68	-1.28	1.3	0.08
Other Operating Activities	1.66	1.31	0.25	0.24	0.27
Operating Cash Flow	22.35	14.16	16.53	21.63	12.06
Operating Cash Flow Growth	57.77%	-14.32%	-23.58%	79.36%	-14.33%
Capital Expenditures	-0.72	-0.63	-0.42	-0.29	-0.6
Sale of Property, Plant and Equipment	0.01	-	-	0.07	-
Investment in Securities	47.96	34.83	-68.2	-173.57	-26.34
Net Decrease (Increase) in Loans Originated / Sold - Investing	-18.24	-58.22	-75.61	17.28	-35.71
Other Investing Activities	-	0.06	0.19	0.05	0.23
Investing Cash Flow	29.01	-23.95	-144.03	-156.46	-62.41
Long-Term Debt Issued	167.75	354.5	-	-	-
Total Debt Issued	167.75	354.5	-	-	-
Long-Term Debt Repaid	-189.25	-333	-	-	-
Total Debt Repaid	-189.25	-333	-	-	-
Net Debt Issued (Repaid)	-21.5	21.5	-	-	-
Repurchase of Common Stock	-0.06	-0.53	-0.03	-0.13	-0.15
Common Dividends Paid	-3.76	-3.62	-3.51	-3.51	-3.24
Net Increase (Decrease) in Deposit Accounts	41.23	-35.19	24.83	135.1	178.28
Other Financing Activities	-0.01	-0.01	-0.01	-0.01	-0.01
Financing Cash Flow	15.9	-17.84	21.29	131.45	174.88
Net Cash Flow	67.25	-27.63	-106.21	-3.38	124.53
Free Cash Flow	21.63	13.54	16.12	21.34	11.46
Free Cash Flow Growth	59.78%	-16.01%	-24.49%	86.27%	3.19%
Free Cash Flow Margin	51.50%	32.95%	40.98%	55.86%	32.85%
Free Cash Flow Per Share	6.46	4.04	4.80	6.38	3.42
Cash Interest Paid	13.97	7.93	1.57	1.18	1.62
Cash Income Tax Paid	0.15	1.83	2.33	1.97	0.77

Updated Apr 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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