Capital City Bank
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Bank History

Directors and Officers

Financial Condition

Annual Disclosure Statement







CAPITAL CITY BANK







(Dollar amounts in thousands)







BALANCE SHEET


INCOME STATEMENT


12/31/11 12/31/12

12/31/11 12/31/12
ASSETS





Cash and Due from Banks         9,277       41,901
Interest Income         16,037       14,741
Investments      138,540
    125,012
Interest Expense           4,334         3,112
Loans      237,816     234,666
  Net Interest Income         11,703       11,629
Bank Premises         4,668         7,719



Other Real Estate Owned         6,895         6,189
Provision for Loan Loss         1,275
          518
Other Assets       17,411       18,213
Non-Interest Income         3,635         3,902
  Total Assets  $  414,607  $  433,700
Gains on Securities         1,861            748




Non-Interest Expense       12,675       12,569
LIABILITIES





Deposits      317,178      355,345
Net Income         3,249         3,192
Repurchase Agreements       25,807         8,032
Income Taxes           931            848
Other Borrowed Money       36,847       35,815
Net Income after Taxes  $     2,318  $     2,344
Other Liabilities         1,795         1,527



  Total Liabilities      381,627      400,719



CAPITAL


CHANGE IN ALLOWANCE FOR LOAN LOSSES
Common Stock         1,275         1,275



Surplus       11,638       11,638
BEGINNING BALANCE         3,065         3,138
Undivided Profits       20,067       20,068
Recoveries            239            197
  Total Equity       32,980       32,981
Less: Charge-offs       (1,441)          (771)
    Total Liabilities and Capital  $ 414,607  $  433,700
Provision for Loan Loss         1,275
          518




ENDING BALANCE  $     3,138  $     3,082







Past Due and Non-Accrual Loans








RECONCILIATION OF EQUITY CAPITAL
Real Estate Loans(over 90 days)            109            113



               (nonaccrual)         1,005            431
BEGINNING BALANCE        31,446       32,980
Installment Loans(over 90 days)              -              -  
Net Income for Year          2,318         2,344
               (nonaccrual)             29             16
Capital Stock            -
            -
Commercial Loans(over 90 days)            -              -
Less Dividends Paid        (1,530)       (1,913)
               (nonaccrual)            71          1,432
Unrealized Gain on Securities             746
         (430)
Total Past Due and Non-Accrual  $     1,214     $   1,992
Adjustments              -                -  





 $    32,980  $    32,981














This statement has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation.



       

       



     

     



    

    



       

       



    

    


 

       

     



       

       






            

         



          

              

     

     



       

       



 

 



           

           





       

       








    

    



       

       



     

     



          

       



     

     



 

 



          

       





 

    

    











       

       






     

     



       

       



     

      



          

          


 

     

     



         

         


   

 




       

               





 

 

















          

           





              

          

          



     

     



               

             



       

       


              

            

           



                         

             

           



         

      


              

          

           



      

         




 



                         

 

 





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