Regional bank First Capital's Q4 profit rises on higher interest income
Overview
Indiana-based bank's Q4 net income rose significantly compared to the previous year
Net interest income for Q4 increased, driven by higher interest income
Provision for credit losses increased slightly in Q4
Outlook
Company did not provide specific guidance for future quarters or full year in press release
Result Drivers
INTEREST INCOME - Increase in interest income driven by higher yields on interest-earning assets
NONINTEREST INCOME - Gains on sale of loans and equity securities contributed to noninterest income increase
NONINTEREST EXPENSES - Higher compensation and benefits costs drove increase in noninterest expenses
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $4.88 mln |
|
Q4 Net Interest Income |
| $11.20 mln |
|
Q4 Net Interest Margin |
| 3.72% |
|
Q4 Provision For Credit Losses |
| $350,000 |
|
Press Release: ID:nGNX2vZL34
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