Capital City Bank Mortgage Rates, Fees & Info

Tallahassee, FL

LEI: 2549004EXIAAMK5CLH54

Tax ID: 59-3277398

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Capital City Bank is a smaller bank specializing in Home Purchase loans. Capital City Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Tallahassee, Gainesville, Tampa, Ocala, and Homosassa Springs among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Capital City Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capital City Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/22/24
    30 Year Conventional Purchase 6.27% 11/22/24
    30 Year Conventional Refi 6.27% 11/22/24
    30 Year Cash-out Refi 6.27% 11/22/24
    15 Year Conventional Purchase 5.68% 11/22/24
    15 Year Conventional Refi 5.68% 11/22/24
    15 Year Cash-out Refi 5.68% 11/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Capital City Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Capital City Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,902

    Origination Dollar Volume (All Markets)

    $305,530,000

    Employee count

    789 Show all (13) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    TALLAHASSEE, FL (FHA|USDA|VA) 783 $141,895,000 $181,220 $3,713 4.37%
    GAINESVILLE, FL (FHA|USDA|VA) 211 $30,575,000 $144,905 $2,805 3.56%
    Outside of Metro Areas 221 $27,235,000 $123,235 $3,215 3.87%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 146 $19,990,000 $136,918 $3,358 4.11%
    OCALA, FL (FHA|USDA|VA) 64 $14,730,000 $230,156 $2,859 4.78%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 102 $13,140,000 $128,824 $3,083 4.00%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 83 $10,825,000 $130,422 $2,241 3.93%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $7,925,000 $720,455 $6,014 5.10%
    JACKSONVILLE, FL (FHA|USDA|VA) 50 $6,790,000 $135,800 $3,383 3.46%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 25 $5,995,000 $239,800 $2,589 4.65%
    Palatka, FL (FHA|USDA|VA) 39 $3,815,000 $97,821 $2,578 3.39%
    PANAMA CITY, FL (FHA|USDA|VA) 13 $3,605,000 $277,308 $4,996 4.50%
    LaGrange, GA-AL (FHA|USDA|VA) 45 $3,035,000 $67,444 $2,029 3.78%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $2,715,000 $543,000 $0 4.38%
    Dublin, GA (FHA|USDA|VA) 42 $2,270,000 $54,048 $2,470 3.87%
    THE VILLAGES, FL (FHA|USDA|VA) 6 $1,540,000 $256,667 $1,404 4.79%
    Lake City, FL (FHA|USDA|VA) 11 $1,535,000 $139,545 $2,747 4.20%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,395,000 $279,000 $2,683 4.80%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 5 $1,265,000 $253,000 $5,403 4.10%
    WARNER ROBINS, GA (FHA|USDA|VA) 8 $1,250,000 $156,250 $4,516 4.24%
    SAVANNAH, GA (FHA|USDA|VA) 4 $770,000 $192,500 $0 5.78%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $460,000 $230,000 $0 6.00%
    Jefferson, GA (FHA|USDA|VA) 2 $370,000 $185,000 $1,265 4.69%
    COLUMBUS, GA-AL (FHA|USDA|VA) 6 $330,000 $55,000 $3,006 3.93%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $6,900 5.50%
    VALDOSTA, GA (FHA|USDA|VA) 1 $275,000 $275,000 $556 4.38%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 1.99%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.25%
    Thomasville, GA (FHA|USDA|VA) 3 $255,000 $85,000 $2,928 6.82%
    Vidalia, GA (FHA|USDA|VA) 1 $215,000 $215,000 $1,018 4.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $185,000 $185,000 $1,970 4.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.63%
    Bainbridge, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,739 4.75%
    Milledgeville, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 1.99%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $35,000 $35,000 $0 1.99%
    Capital City Bank's top markets include Tallahassee, Gainesville, Tampa, Ocala, and Homosassa Springs among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Capital City Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FBT Mortgage, L.L.C.
    Similarity Rank: 486
    SAN ANTONIO CITIZENS
    Similarity Rank: 531
    First National Bank of Griffin
    Similarity Rank: 592
    Brannen Bank
    Similarity Rank: 636
    Suncoast Credit Union
    Similarity Rank: 754
    TrustCo Bank
    Similarity Rank: 825
    Shea Mortgage Inc.
    Similarity Rank: 912
    NEAL COMMUNITIES FUNDING, LLC
    Similarity Rank: 924
    SmartBank
    Similarity Rank: 961
    FIRST EQUITY MORTGAGE INCORPORATED
    Similarity Rank: 988

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 968 $201,640,000 $208,306 $3,003 5.17%
    HELOC 725 $65,345,000 $90,131 n/a 2.62%
    FHA 94 $14,880,000 $158,298 $5,104 4.61%
    VA 74 $17,930,000 $242,297 $5,870 4.37%
    USDA 41 $5,735,000 $139,878 $3,119 4.57%

    For 2018, Capital City Bank's most frequently originated type of loan was Conventional, with 968 originations. Their 2nd most popular type was HELOC, with 725 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,004 $208,830,000 $207,998 $3,299 4.91%
    Refi 319 $45,915,000 $143,934 $3,856 4.05%
    Other 311 $23,335,000 $75,032 $2,542 2.17%
    Home Improvement 157 $9,335,000 $59,459 $0 2.57%
    Cash Out Refi 111 $18,115,000 $163,198 $4,302 4.92%

    For 2018, Capital City Bank's most frequently cited loan purpose was Home Purchase, with 1,004 originations. The 2nd most popular reason was Refi, with 319 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 833 $188,395,000 $226,164 $3,425 4.86%
    15 Year 790 $75,080,000 $95,038 $3,011 2.79%
    20 Year 118 $17,470,000 $148,051 $3,693 5.76%
    Other 81 $16,295,000 $201,173 $4,012 5.36%
    1 Year 35 $5,245,000 $149,857 $0 6.21%
    10 Year 34 $2,170,000 $63,824 $2,665 5.79%
    5 Year 6 $160,000 $26,667 $0 6.54%
    3 Year 5 $715,000 $143,000 $0 5.65%

    For 2018, Capital City Bank's most frequently cited loan duration was 30 Year, with 833 originations. The 2nd most popular length was 15 Year, with 790 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 743 $160,355,000 $215,821
    $1k-2k 132 $17,260,000 $130,758
    $2k-3k 69 $12,705,000 $184,130
    $5k+ 21 $11,975,000 $570,238
    $3k-4k 19 $5,215,000 $274,474
    $4k-5k 10 $3,830,000 $383,000

    Capital City Bank's average total fees were $3,425, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 743 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 672 $152,860,000 $227,470
    <2.5% 620 $49,600,000 $80,000
    5-6% 426 $78,540,000 $184,366
    6-7% 112 $10,490,000 $93,661
    3-4% 41 $11,595,000 $282,805
    7-8% 22 $1,310,000 $59,545
    Over 8% 9 $1,135,000 $126,111

    During 2018, Capital City Bank's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 672 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 790 $40,630,000 $51,430 $2,965 3.55%
    $100k-200k 567 $82,605,000 $145,688 $3,061 4.46%
    $200k-400k 429 $116,075,000 $270,571 $3,481 4.61%
    $400k-600k 83 $37,865,000 $456,205 $5,247 4.72%
    $600k-1MM 27 $19,545,000 $723,889 $5,202 4.52%
    $1MM+ 6 $8,810,000 $1,468,333 $11,270 4.95%

    2018 saw Capital City Bank place emphasis on $100,000 or less loans with 790 originations, totaling $40,630,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 465 $36,215,000 $77,882 $3,073 3.95%
    $50k-75k 407 $51,785,000 $127,236 $3,022 4.02%
    $100k-150k 327 $65,875,000 $201,453 $3,679 4.12%
    $75k-100k 282 $45,690,000 $162,021 $3,154 4.00%
    $150k-250k 196 $45,620,000 $232,755 $4,047 4.09%
    $250k+ 118 $42,750,000 $362,288 $4,898 4.18%

    Capital City Bank lent most frequently to those with incomes in the $50k or less range, with 465 originations. The second most popular income band? $50k-75k, with 407 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 417 $67,915,000 $162,866 $3,353 3.96%
    30-36% 371 $59,545,000 $160,499 $3,396 4.14%
    <20% 284 $35,880,000 $126,338 $3,318 3.10%
    39% 70 $12,410,000 $177,286 $3,044 4.54%
    36% 65 $11,185,000 $172,077 $3,307 4.37%
    43% 64 $12,900,000 $201,563 $4,164 4.28%
    38% 63 $10,195,000 $161,825 $2,997 4.34%
    40% 59 $10,985,000 $186,186 $3,274 4.41%
    37% 57 $9,125,000 $160,088 $2,991 4.22%
    42% 56 $8,920,000 $159,286 $3,059 4.12%
    41% 56 $10,200,000 $182,143 $3,837 4.45%
    44% 42 $6,580,000 $156,667 $3,877 4.10%
    50-60% 36 $4,430,000 $123,056 $5,652 4.14%
    45% 31 $4,205,000 $135,645 $4,006 4.09%
    >60% 28 $2,830,000 $101,071 $2,833 5.40%
    47% 23 $4,415,000 $191,957 $3,356 4.19%
    46% 20 $2,460,000 $123,000 $3,881 3.97%
    48% 19 $3,235,000 $170,263 $4,049 4.49%
    49% 17 $2,515,000 $147,941 $2,910 4.32%

    Capital City Bank lent most frequently to those with DTI ratios of 20-30%, with 417 originations. The next most common DTI ratio? 30-36%, with 371 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,535 $246,165,000 $160,368 $3,447 3.93%
    Not applicable 103 $17,425,000 $169,175 $0 5.81%
    Not provided 103 $17,185,000 $166,845 $2,911 4.75%
    Black 120 $16,500,000 $137,500 $3,505 4.56%
    Asian 31 $6,315,000 $203,710 $3,389 4.36%
    Native Hawaiian or Islander 4 $1,190,000 $297,500 $2,594 4.75%
    American Indian 5 $595,000 $119,000 $4,362 4.50%
    Filipino 1 $155,000 $155,000 $0 1.99%

    Approval Rates

    Total approvals of all applications
    89.05%

    Capital City Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.91%

    Capital City Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,902 $305,530,000 $160,636

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 18 $8,860,000 $492,222
    Single Family (1-4 Units):Manufactured 189 $10,675,000 $56,481
    Single Family (1-4 Units):Site-Built 1,695 $285,995,000 $168,729

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 226 $19,700,000 $87,168 $2,423 3.01%
    40-60% 217 $28,925,000 $133,295 $3,105 3.80%
    60-80% 552 $97,770,000 $177,120 $3,289 4.42%
    80-100% 716 $145,130,000 $202,696 $3,365 4.70%
    Over 100% 30 $7,340,000 $244,667 $9,142 4.86%
    Under 20% 161 $6,665,000 $41,398 $1,223 2.44%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Capital Management Services, LP Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Capital City Bank 101 S.E. U.S. Highway 19 Crystal River, FL 34429 Full Service B&M $31,115
    Capital City Bank 102 South Main Street Havana, FL 32333 Full Service B&M $39,799
    Capital City Bank 10241 North Florida Avenue Citrus Springs, FL 34434 Full Service B&M $14,234
    Capital City Bank 109 W. Wade Street Trenton, FL 32693 Full Service B&M $40,141
    Capital City Bank 115 West Green Street Perry, FL 32347 Full Service B&M $56,465
    Capital City Bank 1242 Jackson Avenue Chipley, FL 32428 Full Service B&M $26,306
    Capital City Bank 126 E. Broad Avenue Whigham, GA 39897 Full Service B&M $9,389
    Capital City Bank 1301 Metropolitan Boulevard Tallahassee, FL 32308 Full Service B&M $121,068
    Capital City Bank 140 E. Hathaway Bronson, FL 32621 Full Service B&M $14,536
    Capital City Bank 14001 Cortez Blvd Spring Hill, FL 34613 Full Service B&M $17,868
    Capital City Bank 14009 West Newberry Road Newberry, FL 32669 Full Service B&M $14,644
    Capital City Bank 1417 North Main Street Gainesville, FL 32601 Full Service B&M $41,571
    Capital City Bank 14302 Spring Hill Drive Spring Hill, FL 34609 Full Service B&M $38,106
    Capital City Bank 144 East Noble Avenue Williston, FL 32696 Full Service B&M $17,997
    Capital City Bank 1456 Capital Circle Nw Tallahassee, FL 32303 Full Service B&M $17,864
    Capital City Bank 148 South Highway 17 East Palatka, FL 32131 Full Service B&M $97,868
    Capital City Bank 1500 North U.S. Highway 41 Inverness, FL 34450 Full Service B&M $17,651
    Capital City Bank 15000 Northwest 140th Street Alachua, FL 32615 Full Service B&M $71,403
    Capital City Bank 1601 Bass Road Macon, GA 31210 Full Service B&M $22,736
    Capital City Bank 1801 Apalachee Parkway Tallahassee, FL 32301 Full Service B&M $90,453
    Capital City Bank 1828 West Tennessee Street Tallahassee, FL 32304 Full Service B&M $55,883
    Capital City Bank 18467 Nw Us Hwy 441, Suite 100 High Springs, FL 32643 Full Service B&M $27,551
    Capital City Bank 1957 Veterans Blvd Dublin, GA 31021 Full Service B&M $19,871
    Capital City Bank 2012 North Young Boulevard Chiefland, FL 32626 Full Service B&M $47,706
    Capital City Bank 207 North Main Street Hastings, FL 32145 Full Service B&M $32,237
    Capital City Bank 2111 North Monroe Street Tallahassee, FL 32303 Full Service B&M $48,929
    Capital City Bank 217 N Calhoun St Tallahassee, FL 32301 Full Service B&M $475,557
    Capital City Bank 217 North Monroe Street Tallahassee, FL 32301 Full Service B&M $0
    Capital City Bank 2375 Centerville Road Tallahassee, FL 32308 Limited, Drive-thru $0
    Capital City Bank 24202 West Newberry Road, Suite F Newberry, FL 32669 Full Service B&M $20,383
    Capital City Bank 2592 Crawfordville Hwy Crawfordville, FL 32327 Full Service B&M $36,482
    Capital City Bank 294 Ne 210th Avenue Cross City, FL 32628 Full Service B&M $23,548
    Capital City Bank 304 E Tennessee St Tallahassee, FL 32302 Limited, Trust Office $0
    Capital City Bank 325 5th Street Macon, GA 31201 Full Service B&M $52,006
    Capital City Bank 3255 Mahan Drive Tallahassee, FL 32308 Full Service B&M $48,194
    Capital City Bank 3404 South Monroe Street Tallahassee, FL 32301 Full Service B&M $18,980
    Capital City Bank 343 West Base Street Madison, FL 32340 Full Service B&M $25,045
    Capital City Bank 350 N. Temple Avenue Starke, FL 32091 Full Service B&M $90,103
    Capital City Bank 3503 20th Avenue Valley, AL 36854 Full Service B&M $16,179
    Capital City Bank 3513 Apalachee Parkway Tallahassee, FL 32311 Limited, Drive-thru $0
    Capital City Bank 3528 Thomasville Road Tallahassee, FL 32309 Limited, Drive-thru $0
    Capital City Bank 3535 Mercer University Drive, Macon Mall Macon, GA 31204 Full Service B&M $8,671
    Capital City Bank 375 Fob James Drive Valley, AL 36854 Full Service B&M $13,770
    Capital City Bank 3815 North Monroe Street Tallahassee, FL 32303 Full Service B&M $35,299
    Capital City Bank 390 2nd Street Cedar Key, FL 32625 Full Service B&M $8,181
    Capital City Bank 4 East Washington Street Quincy, FL 32351 Full Service B&M $114,992
    Capital City Bank 4040 N.W. 16th Boulevard Gainesville, FL 32605 Full Service B&M $21,088
    Capital City Bank 410 West 10th Street West Point, GA 31833 Full Service B&M $62,576
    Capital City Bank 4120 Crill Ave Palatka, FL 32177 Full Service B&M $19,168
    Capital City Bank 420 N. Broad Street Cairo, GA 39828 Full Service B&M $40,407
    Capital City Bank 500 Green Way Keystone Heights, FL 32656 Full Service B&M $31,334
    Capital City Bank 504 Monument Avenue Port St. Joe, FL 32456 Full Service B&M $29,153
    Capital City Bank 5200 West Newberry Road Gainesville, FL 32607 Full Service B&M $8,205
    Capital City Bank 5981 Zebulon Road Macon, GA 31210 Full Service B&M $9,882
    Capital City Bank 600 Bellevue Avenue Dublin, GA 31021 Full Service B&M $66,822
    Capital City Bank 6691 Thomasville Road Tallahassee, FL 32312 Full Service B&M $35,416
    Capital City Bank 690 S. Us Hwy 129 Bell, FL 32619 Full Service B&M $16,939
    Capital City Bank 7153 Broad Street Brooksville, FL 34601 Full Service B&M $13,176
    Capital City Bank 7240 Us Hwy 19 Fanning Springs, FL 32693 Full Service B&M $15,912
    Capital City Bank 7697 South Florida Avenue Floral City, FL 34436 Full Service B&M $15,133
    Capital City Bank 800 South Jefferson Street Monticello, FL 32344 Full Service B&M $31,619
    Capital City Bank 814 Suwannee Avenue Branford, FL 32008 Full Service B&M $37,412
    Capital City Bank 95 Highway 40 W Inglis, FL 34449 Full Service B&M $17,176
    Capital City Bank Ccbg.Com Tallahassee, FL 32303 Full Service Cyber Office $0
    Capital City Bank Highway 84 East Cairo, GA 39828 Limited, Drive-thru $0

    For 2018, Capital City Bank had 65 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $99,394
    Net interest income $94,790
    Total noninterest income $52,241
    Gross Fiduciary activities income $5,309
    Service charges on deposit accounts $20,093
    Trading account gains and fees $0
    Additional Noninterest Income $26,839
    Pre-tax net operating income $33,391
    Securities gains (or losses, -) $0
    Income before extraordinary items $29,069
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $29,069
    Minority interest net income $0
    Net income $29,069
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $29,069

    Capital City Bank's gross interest income from loans was $99,394,000.
    Capital City Bank's net interest income from loans was $94,790,000.
    Capital City Bank's fee based income from loans was $20,093,000.
    Capital City Bank's net income from loans was $29,069,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,604
    Provision for credit losses $2,921
    Total noninterest expense $110,719
    Salaries and employee benefits $60,242
    Premises and equipment expense $18,482
    Additional noninterest expense $31,995
    Applicable income taxes $4,322
    Net charge-offs $2,018
    Cash dividends $15,000

    Capital City Bank's interest expense for loans was $4,604,000.
    Capital City Bank's payroll and benefits expense were $60,242,000.
    Capital City Bank's property, plant and equipment expenses $18,482,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,557,757
    Deposits held in domestic offices $2,557,757
    Deposits by Individuals, partnerships, and corporations $2,159,861
    Deposits by U.S. Government $6
    Deposits by States and political subdivisions in the U.S. $397,772
    Deposits by Commercial banks and other depository institutions in U.S. $118
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $614,385
    Demand deposits $310,559
    Nontransaction accounts $1,943,372
    Money market deposit accounts (MMDAs) $237,739
    Other savings deposits (excluding MMDAs) $1,584,889
    Total time deposits $120,744
    Total time and savings deposits $2,247,198
    Noninterest-bearing deposits $978,576
    Interest-bearing deposits $1,579,181
    Retail deposits $2,552,168
    IRAs and Keogh plan accounts $33,742
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,942,070
    Cash & Balances due from depository institutions $274,539
    Interest-bearing balances $212,507
    Total securities $655,683
    Federal funds sold & reverse repurchase $1,461
    Net loans and leases $1,766,884
    Loan and leases loss allowance $14,210
    Trading account assets $0
    Bank premises and fixed assets $87,135
    Other real estate owned $2,229
    Goodwill and other intangibles $84,810
    All other assets $69,329

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,942,070
    Total Liabilities $2,599,243
    Total deposits $2,557,757
    Interest-bearing deposits $1,579,181
    Deposits held in domestic offices $2,557,757
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $10,092
    Trading liabilities $0
    Other borrowed funds $9,918
    Subordinated debt $0
    All other liabilities $21,476

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,766,884
    Loan and leases loss allowance $14,210
    Total loans and leases (domestic) $1,781,094
    All real estate loans $1,263,300
    Real estate loans in domestic offices $1,263,300
    Construction and development loans $141,962
    Residential 1-4 family construction $51,739
    Other construction, all land development and other land $90,223
    Loans secured by nonfarm nonresidential properties $486,789
    Nonfarm nonresidential secured by owner-occupied properties $278,469
    Commercial real estate & other non-farm, non-residential $208,320
    Multifamily residential real estate $33,032
    1-4 family residential loans $533,342
    Farmland loans $68,175
    Loans held in foreign offices $0
    Farm loans $7,368
    Commercial and industrial loans $161,054
    To non-U.S. addressees $0
    Loans to individuals $297,003
    Credit card loans $0
    Related Plans $5,859
    Consumer Auto Loans $267,073
    Other loans to individuals $24,071
    All other loans & leases $52,369
    Loans to foreign governments and official institutions $0
    Other loans $4,743
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $21,563
    Non 1-4 family restructured loans & leases $11,841
    Total loans and leases (foreign) $0

    Capital City Bank had $1,766,884,000 of loans outstanding in 2018. $1,263,300,000 of loans were in real estate loans. $141,962,000 of loans were in development loans. $33,032,000 of loans were in multifamily mortgage loans. $533,342,000 of loans were in 1-4 family mortgage loans. $7,368,000 of loans were in farm loans. $0 of loans were in credit card loans. $267,073,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,149 $207,436 $180,536
    Nonfarm, nonresidential loans - <$100k 290 $11,448 $39,476
    Nonfarm, nonresidential loans - $100-250k 458 $52,841 $115,373
    Nonfarm, nonresidential loans - $250k-1MM 401 $143,147 $356,975
    Commercial & Industrial, US addressed loans - <$1MM 2,358 $94,609 $40,123
    Commercial & Industrial, US addressed loans - <$100k 1,960 $40,765 $20,798
    Commercial & Industrial, US addressed loans - $100-250k 252 $21,549 $85,512
    Commercial & Industrial, US addressed loans - $250k-1MM 146 $32,295 $221,199
    Farmland loans - <$1MM 220 $19,473 $88,514
    Farmland loans - <$100k 100 $3,421 $34,210
    Farmland loans - $100-250k 84 $8,436 $100,429
    Farmland loans - $250k-1MM 36 $7,616 $211,556
    Agriculture operations loans - <$1MM 125 $4,930 $39,440
    Agriculture operations loans - <$100k 96 $2,144 $22,333
    Agriculture operations loans - $100-250k 19 $1,308 $68,842
    Agriculture operations loans - $250k-1MM 10 $1,478 $147,800