Capital City Bank in Tallahassee, Florida (FL), GA, AL
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 960Total employees (full-time equivalent)
  • $2,617,318Total assets
  • $385,146Cash and due from depository institutions
  • $330,192Interest-bearing balances
  • $295,792Securities
  • $169Federal funds sold & reverse repurchase agreements
  • $1,597,648Net loans & leases
  • $31,035Loan loss allowance
  • $0Trading account assets
  • $110,979Bank premises and fixed assets
  • $62,600Other real estate owned
  • $85,483Goodwill and other intangibles
  • $2,617,318Life insurance assets
  • $79,501All other assets
  • $2,308,038Total liabilities and capital
  • $2,181,244Total liabilities
  • $1,554,201Total deposits
  • $2,181,244Interest-bearing deposits
  • $60Deposits held in domestic offices
  • 43371.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $44,606Trading liabilities
  • $0Other borrowed funds
  • $38,817Subordinated debt
  • $309,280All other liabilities
  • $309,280Total equity capital
  • $309,280Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $158,932Surplus
  • $150,248Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $20,467Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $75,167Income earned, not collected on loans
  • $0Earning assets
  • $7,477Long-term assets (5+ years)
  • $2,223,801Average Assets, year-to-date
  • $435,905Average Assets, quarterly
  • $2,584,022Volatile liabilities
  • $2,557,882Insider loans
  • $1,763,731FHLB advances
  • $2,398,674Loans and leases held for sale
  • $10,099Unused loan commitments
  • $10,099Tier 1 (core) risk-based capital
  • $246,159Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $295,513Restructured Loans and leases
  • $28,075Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $99,458Total interest income
  • $6,157Total interest expense
  • $93,301Net interest income
  • $18,996Provision for loan and lease losses
  • $50,798Total noninterest income
  • $4,365Fiduciary activities
  • $25,451Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20,982Additional noninterest income
  • $117,586Total noninterest expense
  • $61,668Salaries and employee benefits
  • $18,141Premises and equipment expense
  • $37,777Additional noninterest expense
  • $7,517Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,295Applicable income taxes
  • $6,222Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,222Net income attributable to bank
  • $0Net charge-offs
  • $6,222Cash dividends
  • $23,397Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 4.25%Net interest margin
  • 2.31%Noninterest income to earning assets
  • 5.35%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.24%Return on assets (ROA)
  • 0.29%Pretax return on assets
  • 1.99%Return on equity (ROE)
  • 1.99%Retained earnings to average equity (YTD only)
  • 1.38%Net charge-offs to loans
  • 81.19%Credit loss provision to net charge-offs
  • 1.13%Efficiency ratio
  • 81,132Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 41.29%Noncurrent assets plus other real estate owned to assets
  • 5.26%Noncurrent loans to loans
  • 4.62%Net loans and leases to deposits
  • 73.24%Net loans and leases to core deposits
  • 74.06%Equity capital to assets
  • 11.82%Core capital (leverage) ratio
  • 10.26%Tier 1 risk-based capital ratio
  • 13.96%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,584,022Average earning assets
  • $313,197Average equity
  • $2,196,846Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $733,120Managed Assets
  • 1Number of Accounts
  • $660,603Personal trust and agency accounts
  • $223,934Employee benefit-defined contribution accounts
  • $89,105Employee benefit-defined benefit accounts
  • $83,470Other retirement accounts
  • $46,274Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $185,102Other fiduciary accounts
  • $32,718Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 601Number of Accounts
  • $0Personal trust and agency accounts
  • $46,274Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $72,517Other retirement accounts
  • $4,204Corporate trust and agency accounts
  • $4,293Other fiduciary accounts
  • $2,070Fiduciary accounts held in foreign offices

List of branches

  • 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
  • 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
  • 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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