Bank History
Directors and Officers
Financial Condition
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| Annual Disclosure Statement |
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| CAPITAL CITY BANK |
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| (Dollar amounts in thousands) |
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| BALANCE SHEET |
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INCOME STATEMENT |
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12/31/11 |
12/31/12 |
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12/31/11 |
12/31/12 |
| ASSETS |
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| Cash and Due from Banks |
9,277 |
41,901 |
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Interest Income |
16,037 |
14,741 |
| Investments |
138,540
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125,012 |
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Interest Expense |
4,334 |
3,112 |
| Loans |
237,816 |
234,666 |
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Net Interest Income |
11,703 |
11,629 |
| Bank Premises |
4,668 |
7,719 |
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| Other Real Estate Owned |
6,895 |
6,189 |
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Provision for Loan Loss |
1,275
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518
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| Other Assets |
17,411 |
18,213 |
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Non-Interest Income |
3,635 |
3,902 |
| Total Assets |
$ 414,607 |
$ 433,700 |
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Gains on Securities |
1,861 |
748 |
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Non-Interest Expense |
12,675 |
12,569 |
| LIABILITIES |
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| Deposits |
317,178 |
355,345 |
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Net Income |
3,249 |
3,192 |
| Repurchase Agreements |
25,807 |
8,032 |
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Income Taxes |
931 |
848 |
| Other Borrowed Money |
36,847 |
35,815 |
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Net Income after Taxes |
$ 2,318 |
$ 2,344 |
| Other Liabilities |
1,795 |
1,527 |
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| Total Liabilities |
381,627 |
400,719 |
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| CAPITAL |
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CHANGE IN ALLOWANCE FOR LOAN LOSSES |
| Common Stock |
1,275 |
1,275 |
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| Surplus |
11,638 |
11,638 |
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BEGINNING BALANCE |
3,065 |
3,138 |
| Undivided Profits |
20,067 |
20,068 |
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Recoveries |
239 |
197 |
| Total Equity |
32,980 |
32,981 |
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Less: Charge-offs |
(1,441) |
(771) |
| Total Liabilities and Capital |
$ 414,607 |
$ 433,700 |
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Provision for Loan Loss |
1,275
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518
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ENDING BALANCE |
$ 3,138 |
$ 3,082 |
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| Past Due and Non-Accrual Loans |
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RECONCILIATION OF EQUITY CAPITAL |
| Real Estate Loans(over 90 days) |
109 |
113 |
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| (nonaccrual) |
1,005 |
431 |
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BEGINNING BALANCE |
31,446 |
32,980 |
| Installment Loans(over 90 days) |
- |
- |
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Net Income for Year |
2,318 |
2,344 |
| (nonaccrual) |
29 |
16 |
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Capital Stock |
-
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- |
| Commercial Loans(over 90 days) |
- |
- |
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Less Dividends Paid |
(1,530) |
(1,913) |
| (nonaccrual) |
71 |
1,432 |
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Unrealized Gain on Securities |
746
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(430)
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| Total Past Due and Non-Accrual |
$ 1,214 |
$ 1,992 |
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Adjustments |
- |
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$ 32,980 |
$ 32,981 |
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| This statement has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation. |
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