0001104659-26-086673
SEC filingFCAP二季度净利4.8百万美元、EPS 1.43美元，净息差扩至3.98%驱动盈利增长。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Net Interest Income | $12,087千 | $10,412千 | +$1,675千 |
| Net Interest Margin (tax-equivalent) | 3.98% | 3.59% | +39bp |
| Provision for Credit Losses | $425千 | $306千 | +$119千 |
| Total Noninterest Income | $2,205千 | $2,018千 | +$187千 |
| Total Noninterest Expense | $7,853千 | $7,494千 | +$359千 |
| Income Before Income Taxes | $6,014千 | $4,630千 | +$1,384千 |
| Income Tax Expense | $1,249千 | $852千 | +$397千 |
| Net Income | $4,765千 | $3,778千 | +$987千 |
| Diluted EPS | $1.43 | $1.13 | +$0.30 |
| Return on Average Assets (annualized) | 1.49% | 1.24% | +25bp |
| Return on Average Equity (annualized) | 13.60% | 12.59% | +101bp |
简评
First Capital, Inc. 二季度盈利强劲增长，净利同比增26%至$4.8百万，核心驱动为净息差显著扩张。税等值净息差由3.59%升至3.98%，生息资产平均收益率提升30bp至5.12%，同时计息负债平均成本下降8bp至1.56%，利差扩大带动净利息收入增$1.7百万。生息资产平均余额亦增$55百万至$1.24十亿，量价齐升。资产质量方面，信贷损失拨备增至$425千，净核销$58千，不良资产由$4.4百万升至$4.9百万，需关注后续趋势。
非利息收入增$187千，主要受权益证券收益$92千（上年同期亏损$41千）及存款账户服务费增$54千驱动；非利息支出增$359千，薪酬福利增$235千为主因，反映年度生活成本调整及健康保险成本上升。有效税率由18.4%升至20.8%，税负增加$397千，部分抵消盈利增长。资产负债表方面，总资产增至$1.29十亿，存款增至$1.14十亿，资本充足（CBLR 11.34%）。公司上半年累计净利$9.1百万、EPS $2.72，同比增30%，盈利动能持续。