First Capital, Inc. (First Capital), is a holding company of First Federal Bank, A Federal Savings Bank (the Bank). The Bank�s deposits are federally insured by the Federal Deposit Insurance Corporation under the Deposit Insurance Fund. The Bank is a member of the Federal Home Loan Bank System. All of the Bank�s offices are located in Harrison, Floyd, Clark and Washington. The Bank�s lending activities have concentrated on the origination of one-to-four family residential mortgages, both for sale in the secondary market and for retention in the Bank�s loan portfolio. The Bank periodically invests in mortgage-backed securities, including mortgage-backed securities guaranteed or insured by Government National Mortgage Association (Ginnie Mae), Federal National Mortgage Corporation (Fannie Mae) or Federal Home Loan Mortgage Corporation (Freddie Mac).