First Capital (FCAP)

Financial Condition

Total assets decreased from $458.6 million at December 31, 2008 to $454.0 million at March 31, 2009, a decrease of 1.0%.

Net loans receivable (excluding loans held for sale) decreased $6.3 million from $322.4 million at December 31, 2008 to $316.1 million at March 31, 2009. Residential mortgages and commercial business loans decreased $4.5 million and $1.7 million, respectively, during the three months ended March 31, 2009.

Securities available for sale increased $1.0 million from $82.7 million at December 31, 2008 to $83.7 million at March 31, 2009. Maturities and principal repayments of these securities totaled $4.6 million and $3.2 million, respectively. Purchases of $9.0 million of securities classified as available for sale were made during the period and consisted primarily of U.S. government agency backed debt securities and mortgage-backed securities.

Investment securities held-to-maturity decreased $11,000 due primarily to maturities of $10,000 during the three months ended March 31, 2009.

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Financial Condition

Total assets decreased from $453.2 million at December 31, 2007 to $445.4 million at September 30, 2008, a decrease of 1.7%.

Net loans receivable (excluding loans held for sale) decreased $8.4 million from $334.5 million at December 31, 2007 to $326.0 million at September 30, 2008. Residential mortgages (including construction loans) and commercial business loans decreased $12.7 million and $1.5 million, respectively, while commercial mortgage loans and consumer installment loans increased $5.0 million and $2.4 million, respectively.

Securities available for sale decreased $2.8 million from $73.0 million at December 31, 2007 to $70.2 million at September 30, 2008. Maturities and principal repayments of these securities totaled $17.0 million and $4.8 million, respectively. Purchases of $19.6 million of securities classified as available for sale were made during the period. Due to changing market interest rates, the portfolio experienced an unrealized loss in market value of $605,000 during the nine months ended September 30, 2008.

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Financial Condition

Total assets decreased from $453.2 million at December 31, 2007 to $452.2 million at June 30, 2008, a decrease of 0.2%.

Net loans receivable (excluding loans held for sale) decreased $6.1 million from $334.5 million at December 31, 2007 to $328.3 million at June 30, 2008. Residential mortgages (including construction loans) and commercial business loans decreased $7.8 million and $2.0 million, respectively, while commercial mortgage loans and consumer installment loans increased $3.2 million and $1.0 million, respectively.

Securities available for sale increased $204,000 from $73.0 million at December 31, 2007 to $73.2 million at June 30, 2008. Maturities and principal repayments of these securities totaled $11.4 million and $3.4 million, respectively. Purchases of $15.3 million of securities classified as available for sale were made during the period. Due to changing market interest rates, the portfolio experienced an unrealized loss in market value of $349,000 during the six months ended June 30, 2008.

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Financial Condition

Total assets increased from $453.2 million at December 31, 2007 to $455.6 million at March 31, 2008, an increase of 0.5%.

Net loans receivable (excluding loans held for sale) decreased $7.5 million from $334.5 million at December 31, 2007 to $326.9 million at March 31, 2008. Commercial business loans, residential mortgages and commercial mortgages decreased $2.6 million, $1.9 million and $1.5 million, respectively.

Securities available for sale decreased $1.3 million from $73.0 million at December 31, 2007 to $71.7 million at March 31, 2008. Maturities and principal repayments of these securities totaled $6.9 million and $1.5 million, respectively. Purchases of $6.3 million of securities classified as available for sale were made during the period. Due to changing market interest rates, the portfolio experienced an unrealized gain in market value of $889,000 during the quarter ended March 31, 2008.

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Financial Condition

Total assets decreased from $457.1 million at December 31, 2006 to $446.8 million at September 30, 2007, a decrease of 2.3%.

Net loans receivable (excluding loans held for sale) decreased $921,000 from $333.6 million at December 31, 2006 to $332.7 million at September 30, 2007. Residential mortgages and commercial business loans decreased $10.1 million and $2.0 million, respectively while commercial mortgage loans and installment loans increased $9.2 million and $1.9 million, respectively.

Securities available for sale increased $906,000 from $71.4 million at December 31, 2006 to $72.3 million at September 30, 2007. Maturities and principal repayments of these securities totaled $7.2 million and $3.2 million, respectively. Purchases of $11.0 million of securities classified as available for sale were made during the period.

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Financial Condition

Total assets decreased from $457.1 million at December 31, 2006 to $445.3 million at June 30, 2007, a decrease of 2.6%.

Net loans receivable (excluding loans held for sale) decreased $1.5 million from $333.6 million at December 31, 2006 to $332.1 million at June 30, 2007. Residential mortgages and commercial business loans decreased $5.1 million and $3.6 million, respectively while commercial mortgage loans and installment loans increased $6.3 million and $1.8 million, respectively.

Securities available for sale increased $1.7 million from $71.4 million at December 31, 2006 to $73.1 million at June 30, 2007. Maturities and principal repayments of these securities totaled $5.0 million and $2.2 million, respectively. Purchases of $9.4 million of securities classified as available for sale were made during the period. Due to increasing market interest rates, the portfolio experienced an unrealized loss in market value of $527,000 during the six months ended June 30, 2007.

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Financial Condition

Total assets decreased from $457.1 million at December 31, 2006 to $450.5 million at March 31, 2007, a decrease of 1.4%.

Net loans receivable (excluding loans held for sale) decreased $5.4 million from $333.6 million at December 31, 2006 to $328.2 million at March 31, 2007. Residential mortgage loans and installment loans decreased $3.9 million and $1.9 million, respectively. Those decreases were partially offset by a $1.8 million increase in commercial mortgages.

Securities available for sale increased $3.2 million from $71.4 million at December 31, 2006 to $74.6 million at March 31, 2007. Purchases of these securities totaled $8.2 million while maturities and principal repayments were $4.0 million and $1.0 million, respectively.

Investment securities held-to-maturity decreased $13,000 due to maturities of $8,000 and principal repayments of $5,000.

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Financial Condition

Total assets increased from $438.4 million at December 31, 2005 to $451.7 million at September 30, 2006, an increase of 3.1%.

Net loans receivable (excluding loans held for sale) increased $18.2 million from $322.5 million at December 31, 2005 to $340.7 million at September 30, 2006. Installment loans increased $9.7 million during the period while commercial and residential mortgages increased $4.7 million and $2.1 million, respectively. Adjustable rate loans increased $7.1 million during the period.

Securities available for sale decreased $6.6 million from $75.7 million at December 31, 2005 to $69.1 million at September 30, 2006. Maturities and principal repayments of these securities totaled $8.1 million and $3.0 million, respectively, during the period. Purchases of $4.4 million of securities classified as available for sale were also made during the period.

Investment securities held-to-maturity decreased $70,000 during the period primarily due to maturities of $35,000 and principal repayments of $34,000.

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Financial Condition

Total assets increased from $438.4 million at December 31, 2005 to $447.9 million at June 30, 2006, an increase of 2.2%.

Net loans receivable (excluding loans held for sale) increased $12.8 million from $322.5 million at December 31, 2005 to $335.2 million at June 30, 2006. Installment loans increased $5.9 million during the period while residential and commercial mortgages increased $2.8 million and $2.3 million, respectively. Adjustable rate loans increased $4.7 million during the period.

Securities available for sale decreased $6.1 million from $75.7 million at December 31, 2005 to $69.6 million at June 30, 2006. Maturities and principal repayments of these securities totaled $7.4 million and $1.9 million, respectively. Purchases of $4.1 million of securities classified as available for sale were made during the period. Due to increasing market interest rates, the portfolio experienced an unrealized loss in market value of $797,000 during the six months ended June 30, 2006.

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Financial Condition

Total assets increased from $438.4 million at December 31, 2005 to $444.8 million at March 31, 2006, an increase of 1.5%.

Net loans receivable (excluding loans held for sale) increased $8.5 million from $322.5 million at December 31, 2005 to $331.0 million at March 31, 2006. Nontaxable commercial loans increased $4.0 million primarily due to a single loan to a local school corporation. Installment loans and residential mortgage loans increased $2.5 million and $2.4 million, respectively. Commercial mortgage loans increased $1.8 million as the Bank expanded its commercial lending program. Adjustable rate loans increased $4.9 million during the period as the Bank continued to reposition its balance sheet to more resemble that of a commercial bank rather than a traditional thrift institution.

Securities available for sale decreased $2.6 million from $75.7 million at December 31, 2005 to $73.2 million at March 31, 2006. Purchases of these securities totaled $2.2 million while maturities and principal repayments were $3.8 million and $786,000, respectively. Due to increasing market interest rates, the portfolio experienced an unrealized loss in market value of $204,000 during the quarter ended March 31, 2006.

Investment securities held-to-maturity decreased $31,000 due to maturities of $23,000 and principal repayments of $8,000.

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Financial Condition

Total assets increased from $425.3 million at December 31, 2004 to $437.7 million at September 30, 2005, an increase of 2.9%.

Net loans receivable (excluding loans held for sale) increased $2.0 million from $317.1 million at December 31, 2004 to $319.1 million at September 30, 2005. Home equity lines of credit increased $1.7 million during this period. Commercial and consumer loans also increased $1.2 million and $1.1 million, respectively. Residential mortgage loans decreased by $2.8 million during the period as the Bank originated and sold or acted as a mortgage broker on residential mortgages totaling $21.6 million, of which $11.1 million of the loan proceeds were used to pay off existing loans in the Bank’s portfolio. These loans were sold to help better manage interest rate risk. These changes in the loan portfolio are evidence of the Bank’s effort to transform the balance sheet from a traditional thrift institution to that of a commercial bank.

Securities available for sale increased $11.6 million to $76.8 million at September 30, 2005. Purchases of these securities totaled $22.5 million while maturities and principal repayments were $6.0 million and $4.1 million, respectively. This increase was funded primarily with increases in public funds on deposit.

Investment securities held-to-maturity decreased $54,000 primarily due to principal repayments of $27,000 and maturities of $25,000.

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Cash and cash equivalents decreased from $17.4 million at December 31, 2004 to $16.3 million at September 30, 2005. A $1.0 million decrease in cash and due from banks was the primary cause for the decrease.

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Financial Condition

Total assets increased from $425.3 million at December 31, 2004 to $438.4 million at June 30, 2005, an increase of 3.1%. When compared to June 30, 2004, the growth in assets was $20.6 million.

Net loans receivable (excluding loans held for sale) decreased $925,000 from $317.1 million at December 31, 2004 to $316.2 million at June 30, 2005. Residential mortgage loans decreased by $6.4 million during the period as the Bank originated and sold or acted as a mortgage broker on residential mortgages totaling $17.0 million, of which $8.8 million of the loan proceeds were used to pay off existing loans in the Bank’s portfolio. These loans were sold to help better manage interest rate risk. Commercial mortgages and home equity lines of credit increased by $3.2 million and $2.1 million, respectively.

Securities available for sale increased $11.5 million from $65.2 million at December 31, 2004 to $76.7 million at June 30, 2005. Purchases of these securities totaled $19.5 million while maturities and principal repayments were $5.1 million and $2.5 million, respectively. This increase was funded primarily with increases in public funds on deposit.

Investment securities held-to-maturity decreased $34,000 primarily due to principal repayments of $21,000 and maturities of $12,000.

Cash and cash equivalents increased from $17.4 million at December 31, 2004 to $19.1 million at June 30, 2005. A $3.7 million increase in cash and due from banks was partially offset by decreases in interest bearing deposits with banks and federal funds sold.

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Financial Condition

Total assets increased from $425.3 million at December 31, 2004 to $436.6 million at March 31, 2005, an increase of 2.7%. When compared to March 31, 2004, the growth in assets was $22.0 million.

Net loans receivable (excluding loans held for sale) decreased $3.9 million from $317.1 million at December 31, 2004 to $313.2 million at March 31, 2005. Residential mortgage loans decreased by $5.1 million during the period as the Bank originated and sold or acted as a mortgage broker on residential mortgages totaling $8.8 million, of which $5.2 million of the loan proceeds were used to pay off existing loans in the Bank’s portfolio. These loans were sold to help better manage interest rate risk. Commercial mortgages and commercial loans increased by $717,000 and $543,000, respectively.

Securities available for sale increased $3.3 million from $65.2 million at December 31, 2004 to $68.5 million at March 31, 2005. Purchases of these securities totaled $7.0 million while maturities and principal repayments were $1.6 million and $1.0 million, respectively. Due to increasing market interest rates, the portfolio experienced an unrealized loss in market value of $1.1 million during the quarter ended March 31, 2005.

Investment securities held-to-maturity decreased $27,000 due to principal repayments of $15,000 and maturities of $12,000.

Cash and cash equivalents increased from $17.4 million at December 31, 2004 to $28.3 million at March 31, 2005. Interest bearing deposits with banks accounted for $9.8 million of that increase. This was funded primarily by an increase in public funds.

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