First Capital, Inc. · Corydon, IN United States ·(NASDAQ (GM): FCAP)
Company Description
Phone: 812-738-2198
Fax: 812-738-2202
Toll Free: 800-390-1465
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This link will open in a new window First Capital is the holding company for First Harrison Bank, which operates about a dozen branches in Clark, Floyd, Harrison, and Washington counties in southern Indiana. Targeting area consumers and small to midsized businesses, the bank offers standard deposit products such as checking and savings accounts, certificates of deposit, and individual retirement accounts. Residential mortgages make up nearly half of the company's loan portfolio; consumer loans and commercial mortgages are around 20% apiece. First Harrison Bank also offers access to investments such as stocks, bonds, and mutual funds. To read the full description, subscribe now.
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Key First Capital, Inc. Financials
| Company Type | Public - NASDAQ (GM): FCAP Headquarters |
| Fiscal Year-End | December |
| 2008 Sales (mil.) | $18.5 |
| 2008 Employees | 141 |
First Capital, Inc. Executives
20 executives listed for First Capital, Inc.'s Corydon, IN location.
| Title | Name & Bio | Contact |
| Chairman | James Pendleton | Network |
| President, CEO, and Director; COO, First Harrison Bank | William Harrod | Network |
| COO and Director; President and CEO, First Harrison Bank | Samuel Uhl | Network |
Competition
Competitive Landscape for First Capital, Inc.
Demand for banking services is closely tied to economic activity and the level of interest rates. The profitability of individual banks depends on marketing skills, efficient operations, and good risk management. Large economies of scale exist in some segments of the industry, which has encouraged industry consolidation. Smaller banks can compete successfully in segments where customer service or knowledge of the local market is more important. The industry is capital-intensive and highly automated: annual revenue per employee is close to $300,000. Many banks and thrifts aggressively offered adjustable rate and subprime mortgages during the housing boom of the early 2000s only to find themselves saddled with loan defaults and extensive losses when the housing bubble burst. Deep exposure to subprime mortgages and mortgage-backed securities caused bank failures, government takeovers, and involuntary mergers. To read the full description, subscribe now.Top First Capital, Inc. Competitors
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