Capital City Bank in Tallahassee, Florida (FL), GA, AL



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Capital City Bank
GeneralFDIC Certificate #: 9622
Status: Active
Federal Reserve ID: 876634
Bank Holding Company (Regulatory Top Holder): Capital City Bank Group, Inc. (RSSDID: 1085509, Location: Tallahassee, FL)
Date Established: June 13, 1907
WWW: http://www.ccbg.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 74 (Domestic: 74, Interstate: Yes)
OTS Docket #: 13205
FDIC's unique #: 6149
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 217 North Monroe Street, Tallahassee, FL 32301
County: Leon
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Gainesville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Tallahassee, FL (#8240)
Core Based Statistical Area (CBSA): Tallahassee, FL (#45220)
CBSA Metro Statistical Area: Tallahassee, FL (#45220)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $2,617.3 mil
Equity capital: $309.3 mil
Deposits held in domestic offices: $2,181.2 mil
Return on assets (ROA): 0.24% ($6.3 mil)
Quarterly return on assets: -0.03% (-$0.8 mil)
Return on Equity (ROE): 1.99% ($6.1 mil)
Quarterly return on equity: -0.25% (-$0.8 mil)
Net income: $6.2 mil
Quarterly Net income: -$0.2 mil
Pretax return on assets: 0.29% ($7,590.2 mil)
Quarterly Pretax return on assets: -0.30% (-$7,852.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)960
Total assets$2,617,318
Cash and due from depository institutions$385,146
Interest-bearing balances$330,192
Securities$295,792
Federal funds sold & reverse repurchase agreements$169
Net loans & leases$1,597,648
Loan loss allowance $31,035
Trading account assets$0
Bank premises and fixed assets$110,979
Other real estate owned$62,600
Goodwill and other intangibles$85,483
All other assets$79,501
Life insurance assets$2,617,318
Total liabilities and capital$2,308,038
Total liabilities$2,181,244
Total deposits$1,554,201
Interest-bearing deposits$2,181,244
Deposits held in domestic offices$60
% insured (estimated)43371.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$44,606
Other borrowed funds $0
Subordinated debt $38,817
All other liabilities $309,280
Total equity capital$309,280
Total bank equity capital$309,280
Perpetual preferred stock$0
Common stock$100
Surplus$158,932
Undivided profits $150,248
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $20,467
Income earned, not collected on loans $75,167
Earning assets $0
Long-term assets (5+ years) $7,477
Average Assets, year-to-date $2,223,801
Average Assets, quarterly $435,905
Volatile liabilities $2,584,022
Insider loans $2,557,882
FHLB advances $1,763,731
Loans and leases held for sale $2,398,674
Unused loan commitments $10,099
Tier 1 (core) risk-based capital $10,099
Tier 2 risk-based capital $246,159
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $295,513
Derivatives$28,075
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $99,458
Total interest expense $6,157
Net interest income $93,301
Provision for loan and lease losses $18,996
Total noninterest income $50,798
Fiduciary activities $4,365
Service charges on deposit accounts $25,451
Trading account gains & fees $0
Additional noninterest income $20,982
Total noninterest expense $117,586
Salaries and employee benefits $61,668
Premises and equipment expense $18,141
Additional noninterest expense $37,777
Pre-tax net operating income $7,517
Securities gains (losses) $0
Applicable income taxes $1,295
Income before extraordinary items $6,222
Extraordinary gains - net $0
Net income attributable to bank $6,222
Net charge-offs $0
Cash dividends $6,222
Sale, conversion, retirement of capital stock, net $23,397
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.53%
Cost of funding earning assets 0.28%
Net interest margin 4.25%
Noninterest income to earning assets 2.31%
Noninterest expense to earning assets 5.35%
Net operating income to assets 0.24%
Return on assets (ROA) 0.24%
Pretax return on assets 0.29%
Return on equity (ROE) 1.99%
Retained earnings to average equity (YTD only) 1.99%
Net charge-offs to loans 1.38%
Credit loss provision to net charge-offs 81.19%
Efficiency ratio1.13%
Assets per employee$81,132
Cash dividends to net income (YTD only)2.73%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.91%
Noncurrent assets plus other real estate owned to assets 41.29%
Noncurrent loans to loans 5.26%
Net loans and leases to deposits4.62%
Net loans and leases to core deposits 73.24%
Equity capital to assets 74.06%
Core capital (leverage) ratio 11.82%
Tier 1 risk-based capital ratio 10.26%
Total risk-based capital ratio 13.96%
Memoranda
Average assets$15
Average earning assets$2,584,022
Average equity $313,197
Average loans $2,196,846
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$733,120
Number of Accounts1
Personal trust and agency accounts$660,603
Employee benefit-defined contribution accounts$223,934
Employee benefit-defined benefit accounts$89,105
Other retirement accounts$83,470
Corporate trust and agency accounts$46,274
Investment management agency accounts$0
Other fiduciary accounts$185,102
Fiduciary accounts held in foreign offices$32,718
Non-managed Assets$0
Number of Accounts601
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$46,274
Employee benefit-defined benefit accounts$0
Other retirement accounts$72,517
Corporate trust and agency accounts$4,204
Other fiduciary accounts$4,293
Fiduciary accounts held in foreign offices$2,070
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2 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
53181338Shawmut Branch3503 20th Avenue, Valley, AL 36854November 01, 1997Full Service Brick and Mortar
54181339Fob James Branch375 Fob James Drive, Valley, AL 36854November 01, 1997Full Service Brick and Mortar
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58 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06149Capital City Bank217 North Monroe Street, Tallahassee, FL 32301June 13, 1907Full Service Brick and Mortar
13853Havana Branch102 South Main Street, Havana, FL 32333April 01, 1895Full Service Brick and Mortar
2207960South Monroe Street Branch3404 South Monroe Street, Tallahassee, FL 32301July 30, 1979Full Service Brick and Mortar
6258204Citrus Springs Branch10241 North Florida Avenue, Citrus Springs, FL 34434November 01, 1988Full Service Brick and Mortar
7201418Floral City Branch7697 South Florida Avenue, Floral City, FL 34436March 15, 1993Full Service Brick and Mortar
8207963Inverness Branch1500 North U.S. Highway 41, Inverness, FL 34450June 01, 1994Full Service Brick and Mortar
913491West Tennessee Street Branch1824 West Tennessee Street, Tallahassee, FL 32304March 27, 1967Full Service Brick and Mortar
12249252Westwood Branch2020 West Pensacola St, Tallahassee, FL 32304September 01, 1986Full Service Brick and Mortar
1315129Apalachee Parkway Branch1801 Apalachee Parkway, Tallahassee, FL 32301November 26, 1974Full Service Brick and Mortar
14253599Centerville Road Branch2375 Centerville Road, Tallahassee, FL 32308August 22, 1977Full Service Brick and Mortar
15253600Governor's Square Branch1500 Apalachee Parkway, Tallahassee, FL 32301January 19, 1981Limited Service Facility
16253601Mahan Drive Branch3255 Mahan Drive, Tallahassee, FL 32308April 25, 1988Full Service Brick and Mortar
1710599North Monroe Street2111 North Monroe Street, Tallahassee, FL 32303March 12, 1940Full Service Brick and Mortar
18238067Lake Jackson Branch3815 N. Monroe Street, Tallahassee, FL 32303November 05, 1985Full Service Brick and Mortar
1915901Monticello Branch800 South Jefferson Street, Monticello, FL 32344December 18, 1978Full Service Brick and Mortar
21260581Chattahoochee Branch316 West Washington Street, Chattahoochee, FL 32324December 11, 1987Full Service Brick and Mortar
2244028Metropolitan Blvd Branch1301 Metropolitan Boulevard, Tallahassee, FL 32308July 08, 1960Full Service Brick and Mortar
23283790Madison Branch603 West Base Street, Madison, FL 32340July 08, 1960Full Service Brick and Mortar
24283793Port Richey Branch10290 Regency Park Boulevard, Port Richey, FL 34668July 08, 1960Full Service Brick and Mortar
25283795Sunshine Grove14001 Cortez Blvd, Spring Hill, FL 34613March 01, 1992Full Service Brick and Mortar
26220711Thomasville Road Branch3528 Thomasville Road, Tallahassee, FL 32309October 01, 1991Full Service Brick and Mortar
27220712Perry Branch115 West Green Street, Perry, FL 32347December 07, 1996Full Service Brick and Mortar
28220713Crystal River Branch101 S.E. U.S. Highway 19, Crystal River, FL 34429January 01, 1995Full Service Brick and Mortar
297674Trenton Branch109 W. Wade Street, Trenton, FL 32693January 01, 1911Full Service Brick and Mortar
30226312Fanning Springs Branch7240 Us Hwy 19 / 98, Trenton, FL 32693December 22, 1978Full Service Brick and Mortar
31226313Bell Branch690 S. Main Street, Bell, FL 32619Febuary 17, 1992Full Service Brick and Mortar
3210854Chiefland Branch2012 North Young Boulevard, Chiefland, FL 32626September 18, 1948Full Service Brick and Mortar
33238683Inglis Branch95 Hwy 40 West, Inglis, FL 34449May 23, 1977Full Service Brick and Mortar
34238684Bronson Branch140 E. Hathaway, Bronson, FL 32621January 23, 1978Full Service Brick and Mortar
35238685Cedar Key Branch390 2nd Street, Cedar Key, FL 32625January 24, 1983Full Service Brick and Mortar
36238686Williston Branch144 East Noble Avenue, Williston, FL 32696April 14, 1986Full Service Brick and Mortar
383857Branford Branch814 Suwannee Avenue, Branford, FL 32008Febuary 18, 1911Full Service Brick and Mortar
40270960Cross City Branch294 Ne 210th Avenue, Cross City, FL 32628March 01, 1934Full Service Brick and Mortar
42220714Bank Link BranchCcbg.Com, Tallahassee, FL 32303January 01, 1995Limited Service Administrative
432273Palatka Branch148 S. Highway 17, East Palatka, FL 32131June 12, 1928Full Service Brick and Mortar
44201326Palatka West Branch4120 Crill Ave, Palatka, FL 32177March 16, 1981Full Service Brick and Mortar
459981Port St. Joe Branch504 Monument Avenue, Port St. Joe, FL 32456Febuary 01, 1940Full Service Brick and Mortar
469772Starke Branch350 N. Temple Avenue, Starke, FL 32091January 01, 1934Full Service Brick and Mortar
48269356Keystone Heights Branch500 Green Way, Keystone Heights, FL 32656June 30, 1985Full Service Brick and Mortar
499589Chipley Branch1242 Jackson Avenue, Chipley, FL 32428July 20, 1935Full Service Brick and Mortar
51356814Capital Circle Northwest Branch1456 Capital Circle Nw, Tallahassee, FL 32303January 12, 2000Full Service Brick and Mortar
63423161Suncoast Spring Hill Branch14302 Spring Hill Drive, Spring Hill, FL 34609July 28, 2003Full Service Brick and Mortar
64423425Bradfordville Branch6691 Thomasville Road, Tallahassee, FL 32312October 13, 2003Full Service Brick and Mortar
6514736Quincy Branch4 East Washington Street, Quincy, FL 32351August 20, 1889Full Service Brick and Mortar
67430266Apalachee Parkway East Branch3513 Apalachee Parkway, Tallahassee, FL 32311September 15, 2003Full Service Brick and Mortar
72200919Northwood Branch6360 N.W. 13th Street, Gainesville, FL 32653August 24, 1983Full Service Brick and Mortar
73200920High Springs Branch660 Northeast Santa Fe Boulevard, High Springs, FL 32643July 07, 1987Full Service Brick and Mortar
74200921Millhopper Branch4040 N.W. 16th Boulevard, Gainesville, FL 32605July 15, 1992Full Service Brick and Mortar
7510961Hastings Branch207 North Main Street, Hastings, FL 32145January 17, 1950Full Service Brick and Mortar
76261179Main Street Branch1417 North Main Street, Gainesville, FL 32601Febuary 22, 1988Full Service Brick and Mortar
77261180Jonesville Branch14009 West Newberry Road, Newberry, FL 32669July 01, 1991Full Service Brick and Mortar
78356511Newberry Branch24202 West Newberry Road, Suite F, Newberry, FL 32669May 08, 2000Full Service Brick and Mortar
79440692Alachua Branch15000 Northwest 140th Street, Alachua, FL 32615May 21, 2005Full Service Brick and Mortar
80452526Crawfordville Branch2592 Crawfordville Hwy, Crawfordville, FL 32327December 15, 2005Full Service Brick and Mortar
81465254West Newberry Branch5200 West Newberry Road, Gainesville, FL 32607May 14, 2007Full Service Brick and Mortar
84478847Brooksville Branch7153 Broad Street, Brooksville, FL 34601Febuary 11, 2008Full Service Brick and Mortar
86510739Westminster Oaks Branch4449 Meandering Way, Tallahassee, FL 32308August 04, 2009Full Service Retail
87510740Trust Branch304 E Tennessee St, Tallahassee, FL 32302April 26, 2010Limited Service Trust
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14 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
52154West Point Branch410 West 10th Street, West Point, GA 31833January 13, 1906Full Service Brick and Mortar
5513511Macon Branch325 5th Street, Macon, GA 31201October 01, 1932Full Service Brick and Mortar
56249295Macon Northside Branch3710 Northside Drive, Macon, GA 31210January 05, 1976Full Service Brick and Mortar
573881Waynesboro Branch615 Liberty Street, Waynesboro, GA 30830January 01, 1890Full Service Brick and Mortar
58250370Macon Mall Branch3535 Mercer University Drive, Macon Mall, Macon, GA 31204June 12, 1993Full Service Brick and Mortar
6013258Cairo Branch420 N. Broad Street, Cairo, GA 39828June 19, 1918Full Service Brick and Mortar
61248394Whigham Branch126 E. Broad Avenue, Whigham, GA 39897March 16, 1973Full Service Brick and Mortar
62248395Highway 84 BranchHighway 84 East, Cairo, GA 39828October 18, 1985Limited Service Facility
686431Dublin Main Branch600 Bellevue Avenue, Dublin, GA 31021July 06, 1910Full Service Brick and Mortar
69221767Dublin East Branch220 Central Drive, East Dublin, GA 31027May 16, 1979Full Service Brick and Mortar
70221768Dublin Westgate Branch1957 Veterans Boulevard, Dublin, GA 31021May 27, 1981Full Service Brick and Mortar
82465255Macon Bass Road Branch1601 Bass Road, Macon, GA 31210December 01, 2006Full Service Brick and Mortar
83478846Macon Hartley Bridge Road Branch6200 Skipper Road, Macon, GA 31216October 16, 2007Full Service Brick and Mortar
85480106Macon Zebulon Road Office5981 Zebulon Road, Macon, GA 31210July 21, 2008Full Service Brick and Mortar
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