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 Refi and 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, Macon, and Homosassa Springs among others. We have data for 37 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% 4/21/24
    30 Year Conventional Purchase 6.27% 4/21/24
    30 Year Conventional Refi 6.27% 4/21/24
    30 Year Cash-out Refi 6.27% 4/21/24
    15 Year Conventional Purchase 5.68% 4/21/24
    15 Year Conventional Refi 5.68% 4/21/24
    15 Year Cash-out Refi 5.68% 4/21/24
    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

    1,162

    Origination Dollar Volume (All Markets)

    $172,820,000

    Employee count

    744

    Awards

    Capital City Bank 30 Year Conventional Loans gold
    Show all (1) 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) 340 $52,870,000 $155,500 $3,710 3.21%
    GAINESVILLE, FL (FHA|USDA|VA) 155 $20,515,000 $132,355 $4,566 2.82%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 113 $19,285,000 $170,664 $5,695 3.37%
    Outside of Metro Areas 120 $14,280,000 $119,000 $3,919 2.94%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 83 $12,535,000 $151,024 $2,724 3.41%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 80 $12,370,000 $154,625 $5,999 2.98%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 31 $6,425,000 $207,258 $5,598 3.12%
    JACKSONVILLE, FL (FHA|USDA|VA) 45 $5,745,000 $127,667 $5,857 2.83%
    PANAMA CITY, FL (FHA|USDA|VA) 15 $4,395,000 $293,000 $4,701 3.50%
    OCALA, FL (FHA|USDA|VA) 14 $3,390,000 $242,143 $6,241 3.86%
    LaGrange, GA-AL (FHA|USDA|VA) 36 $2,820,000 $78,333 $2,298 3.29%
    Palatka, FL (FHA|USDA|VA) 31 $2,725,000 $87,903 $7,005 2.60%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $2,360,000 $590,000 $0 3.75%
    Dublin, GA (FHA|USDA|VA) 27 $1,865,000 $69,074 $3,052 2.83%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,465,000 $293,000 $0 4.65%
    COLUMBUS, GA-AL (FHA|USDA|VA) 8 $1,430,000 $178,750 $2,980 2.35%
    Lake City, FL (FHA|USDA|VA) 11 $1,275,000 $115,909 $3,291 2.47%
    Thomasville, GA (FHA|USDA|VA) 5 $975,000 $195,000 $10,523 3.70%
    THE VILLAGES, FL (FHA|USDA|VA) 4 $810,000 $202,500 $1,008 4.06%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $685,000 $228,333 $4,500 3.95%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $670,000 $335,000 $0 3.57%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 6 $570,000 $95,000 $0 1.99%
    Thomaston, GA (FHA|USDA|VA) 1 $515,000 $515,000 $8,903 4.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $510,000 $127,500 $3,978 2.40%
    WARNER ROBINS, GA (FHA|USDA|VA) 3 $395,000 $131,667 $3,490 5.79%
    Statesboro, GA (FHA|USDA|VA) 3 $395,000 $131,667 $0 4.83%
    Breckenridge, CO (FHA|USDA|VA) 1 $255,000 $255,000 $0 1.99%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.38%
    Moultrie, GA (FHA|USDA|VA) 1 $245,000 $245,000 $8,524 3.75%
    Bainbridge, GA (FHA|USDA|VA) 3 $175,000 $58,333 $0 1.99%
    Wauchula, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,531 4.00%
    Americus, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
    Vidalia, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
    Milledgeville, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 1.99%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $95,000 $95,000 $7,800 6.25%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.85%
    VALDOSTA, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 1.99%
    Capital City Bank's top markets include Tallahassee, Gainesville, Tampa, Macon, and Homosassa Springs among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Colorado (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.

    Citizens First Bank
    Similarity Rank: 328
    Envision Credit Union
    Similarity Rank: 437
    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 496
    Emory Alliance Credit Union
    Similarity Rank: 855
    SANCTUARY HOME MORTGAGE LLC
    Similarity Rank: 932
    Shea Mortgage Inc.
    Similarity Rank: 1008
    SAN ANTONIO CITIZENS
    Similarity Rank: 1170
    Midwest Mortgage Associates Corporation
    Similarity Rank: 1518
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 1792
    RAILROAD & INDUSTRIAL
    Similarity Rank: 2045

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 756 $86,650,000 $114,616 n/a 2.37%
    Conventional 380 $80,780,000 $212,579 $4,048 4.58%
    FHA 10 $1,640,000 $164,000 $5,179 3.85%
    VA 8 $2,280,000 $285,000 $7,977 3.84%
    USDA 8 $1,470,000 $183,750 $4,140 3.55%

    For 2020, Capital City Bank's most frequently originated type of loan was HELOC, with 756 originations. Their 2nd most popular type was Conventional, with 380 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 376 $58,260,000 $154,947 $3,552 3.17%
    Home Purchase 300 $62,150,000 $207,167 $4,366 4.40%
    Other 290 $33,080,000 $114,069 $0 2.18%
    Home Improvement 181 $14,675,000 $81,077 $2,704 2.33%
    Cash Out Refi 15 $4,655,000 $310,333 $4,632 4.13%

    For 2020, Capital City Bank's most frequently cited loan purpose was Refi, with 376 originations. The 2nd most popular reason was Home Purchase, with 300 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 672 $84,940,000 $126,399 $2,819 2.59%
    15 Year 223 $25,665,000 $115,090 $3,589 3.21%
    30 Year 130 $30,250,000 $232,692 $3,767 3.85%
    Other 51 $10,175,000 $199,510 $5,695 4.82%
    30+ year 42 $12,280,000 $292,381 $6,298 4.88%
    1 Year 22 $5,630,000 $255,909 $0 5.03%
    10 Year 14 $1,490,000 $106,429 $0 5.16%
    3 Year 6 $2,360,000 $393,333 $0 4.47%
    5 Year 2 $30,000 $15,000 $0 5.50%

    For 2020, Capital City Bank's most frequently cited loan duration was 20 Year, with 672 originations. The 2nd most popular length was 15 Year, with 223 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 110 $26,500,000 $240,909
    $1k-2k 65 $13,655,000 $210,077
    $2k-3k 14 $2,740,000 $195,714
    $5k+ 4 $1,910,000 $477,500
    $3k-4k 2 $510,000 $255,000

    Capital City Bank's average total fees were $3,767, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 110 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 599 $63,765,000 $106,452
    4-5% 228 $49,970,000 $219,167
    3-4% 154 $37,810,000 $245,519
    5-6% 83 $11,005,000 $132,590
    2.5-3% 72 $7,610,000 $105,694
    6-7% 18 $1,820,000 $101,111
    7-8% 3 $115,000 $38,333
    Over 8% 2 $160,000 $80,000

    During 2020, Capital City Bank's average interest rate for loans was 3.85%, while their most frequently originated rate bucket for loans was <2.5%, with 599 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 540 $28,600,000 $52,963 $3,226 2.85%
    $100k-200k 320 $44,220,000 $138,188 $3,829 3.18%
    $200k-400k 241 $63,155,000 $262,054 $4,476 3.45%
    $400k-600k 48 $23,500,000 $489,583 $5,685 3.81%
    $600k-1MM 7 $4,715,000 $673,571 $6,360 4.11%
    $1MM+ 6 $8,630,000 $1,438,333 $0 3.96%

    2020 saw Capital City Bank place emphasis on $100,000 or less loans with 540 originations, totaling $28,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 207 $14,105,000 $68,140 $3,394 2.92%
    $50k-75k 191 $20,485,000 $107,251 $3,978 2.99%
    $100k-150k 183 $27,025,000 $147,678 $4,838 2.77%
    $75k-100k 163 $22,255,000 $136,534 $4,213 2.94%
    $150k-250k 147 $26,695,000 $181,599 $5,047 2.94%
    $250k+ 124 $27,830,000 $224,435 $4,511 2.76%

    Capital City Bank lent most frequently to those with incomes in the $50k or less range, with 207 originations. The second most popular income band? $50k-75k, with 191 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 242 $29,460,000 $121,736 $4,506 2.67%
    <20% 234 $29,580,000 $126,410 $3,717 2.58%
    30-36% 169 $22,485,000 $133,047 $3,803 2.96%
    42% 33 $5,355,000 $162,273 $3,920 3.00%
    44% 33 $6,175,000 $187,121 $5,331 3.55%
    50-60% 33 $4,445,000 $134,697 $0 3.46%
    38% 29 $3,855,000 $132,931 $4,122 3.16%
    45% 29 $4,235,000 $146,034 $3,802 3.07%
    43% 28 $5,150,000 $183,929 $4,643 3.19%
    36% 27 $3,465,000 $128,333 $3,221 2.61%
    41% 24 $3,570,000 $148,750 $4,696 3.17%
    37% 23 $3,465,000 $150,652 $4,197 2.87%
    >60% 23 $3,515,000 $152,826 $2,897 4.12%
    39% 22 $2,560,000 $116,364 $3,566 2.36%
    40% 20 $3,900,000 $195,000 $4,605 3.45%
    47% 14 $1,350,000 $96,429 $4,207 3.08%
    48% 13 $1,965,000 $151,154 $6,305 2.90%
    46% 13 $2,515,000 $193,462 $4,549 3.88%
    49% 8 $1,480,000 $185,000 $8,435 3.17%

    Capital City Bank lent most frequently to those with DTI ratios of 20-30%, with 242 originations. The next most common DTI ratio? <20%, with 234 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 872 $116,920,000 $134,083 $4,261 2.82%
    Not applicable 138 $33,570,000 $243,261 $0 4.83%
    Not provided 71 $13,375,000 $188,380 $4,899 3.30%
    Black 58 $5,610,000 $96,724 $3,413 3.41%
    Asian 14 $1,810,000 $129,286 $2,530 3.00%
    American Indian 4 $770,000 $192,500 $3,389 3.09%
    Asian Indian 3 $455,000 $151,667 $0 4.22%
    Chinese 2 $310,000 $155,000 $0 2.49%

    Approval Rates

    Total approvals of all applications
    82.93%

    Capital City Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.03%

    Capital City Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,162 $172,820,000 $148,726

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $15,000 $15,000
    Multifamily:Site-Built 36 $15,630,000 $434,167
    Single Family (1-4 Units):Manufactured 107 $6,425,000 $60,047
    Single Family (1-4 Units):Site-Built 1,018 $150,750,000 $148,084

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 237 $25,775,000 $108,755 $2,926 2.45%
    40-60% 183 $27,765,000 $151,721 $4,517 3.03%
    60-80% 351 $61,855,000 $176,225 $3,994 3.55%
    80-100% 234 $47,440,000 $202,735 $4,319 3.77%
    Over 100% 4 $690,000 $172,500 $15,807 4.34%
    Under 20% 152 $8,970,000 $59,013 $0 2.25%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Capital Benefit, Inc. Conventional home mortgage Struggling to pay mortgage 2 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Capital City Bank 10000 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $480
    Capital City Bank 101 S.E. U.S. Highway 19 Crystal River, FL 34429 Full Service B&M $39,222
    Capital City Bank 102 South Main Street Havana, FL 32333 Full Service B&M $49,165
    Capital City Bank 10241 North Florida Avenue Citrus Springs, FL 34434 Full Service B&M $13,391
    Capital City Bank 109 W. Wade Street Trenton, FL 32693 Full Service B&M $33,393
    Capital City Bank 115 West Green Street Perry, FL 32347 Full Service B&M $103,253
    Capital City Bank 1242 Jackson Avenue Chipley, FL 32428 Full Service B&M $28,956
    Capital City Bank 1301 Metropolitan Boulevard Tallahassee, FL 32308 Full Service B&M $149,546
    Capital City Bank 140 E. Hathaway Bronson, FL 32621 Full Service B&M $14,097
    Capital City Bank 14001 Cortez Blvd Spring Hill, FL 34613 Full Service B&M $22,292
    Capital City Bank 14009 West Newberry Road Newberry, FL 32669 Full Service B&M $20,316
    Capital City Bank 1417 North Main Street Gainesville, FL 32601 Full Service B&M $26,806
    Capital City Bank 14302 Spring Hill Drive Spring Hill, FL 34609 Full Service B&M $61,366
    Capital City Bank 144 East Noble Avenue Williston, FL 32696 Full Service B&M $20,868
    Capital City Bank 1456 Capital Circle Nw Tallahassee, FL 32303 Full Service B&M $25,268
    Capital City Bank 148 South Highway 17 East Palatka, FL 32131 Full Service B&M $111,751
    Capital City Bank 1500 North U.S. Highway 41 Inverness, FL 34450 Full Service B&M $22,496
    Capital City Bank 15000 Northwest 140th Street Alachua, FL 32615 Full Service B&M $83,179
    Capital City Bank 1601 Bass Road Macon, GA 31210 Full Service B&M $28,999
    Capital City Bank 1801 Apalachee Parkway Tallahassee, FL 32301 Full Service B&M $142,493
    Capital City Bank 1828 West Tennessee Street Tallahassee, FL 32304 Full Service B&M $58,635
    Capital City Bank 18467 Nw Us Hwy 441, Suite 100 High Springs, FL 32643 Full Service B&M $32,915
    Capital City Bank 1957 Veterans Blvd Dublin, GA 31021 Full Service B&M $22,777
    Capital City Bank 2012 North Young Boulevard Chiefland, FL 32626 Full Service B&M $62,846
    Capital City Bank 207 North Main Street Hastings, FL 32145 Full Service B&M $34,818
    Capital City Bank 2111 North Monroe Street Tallahassee, FL 32303 Full Service B&M $58,017
    Capital City Bank 217 N Calhoun St Tallahassee, FL 32301 Full Service B&M $560,465
    Capital City Bank 217 North Monroe Street Tallahassee, FL 32301 Full Service B&M $0
    Capital City Bank 24202 West Newberry Road, Suite F Newberry, FL 32669 Full Service B&M $22,785
    Capital City Bank 2592 Crawfordville Hwy Crawfordville, FL 32327 Full Service B&M $45,632
    Capital City Bank 294 Ne 210th Avenue Cross City, FL 32628 Full Service B&M $23,140
    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 $68,262
    Capital City Bank 3255 Mahan Drive Tallahassee, FL 32308 Full Service B&M $57,504
    Capital City Bank 3404 South Monroe Street Tallahassee, FL 32301 Full Service B&M $21,016
    Capital City Bank 343 West Base Street Madison, FL 32340 Full Service B&M $29,868
    Capital City Bank 350 N. Temple Avenue Starke, FL 32091 Full Service B&M $89,179
    Capital City Bank 3503 20th Avenue Valley, AL 36854 Full Service B&M $19,837
    Capital City Bank 3513 Apalachee Parkway Tallahassee, FL 32311 Limited, Drive-thru $0
    Capital City Bank 3535 Mercer University Drive, Macon Mall Macon, GA 31204 Full Service B&M $10,249
    Capital City Bank 375 Fob James Drive Valley, AL 36854 Full Service B&M $15,556
    Capital City Bank 3815 North Monroe Street Tallahassee, FL 32303 Full Service B&M $40,808
    Capital City Bank 4 East Washington Street Quincy, FL 32351 Full Service B&M $146,629
    Capital City Bank 4040 N.W. 16th Boulevard Gainesville, FL 32605 Full Service B&M $31,347
    Capital City Bank 410 West 10th Street West Point, GA 31833 Full Service B&M $79,467
    Capital City Bank 4120 Crill Ave Palatka, FL 32177 Full Service B&M $22,177
    Capital City Bank 420 N. Broad Street Cairo, GA 39828 Full Service B&M $57,991
    Capital City Bank 500 Green Way Keystone Heights, FL 32656 Full Service B&M $33,370
    Capital City Bank 504 Monument Avenue Port St. Joe, FL 32456 Full Service B&M $41,995
    Capital City Bank 5200 West Newberry Road Gainesville, FL 32607 Full Service B&M $20,232
    Capital City Bank 5981 Zebulon Road Macon, GA 31210 Full Service B&M $13,195
    Capital City Bank 600 Bellevue Avenue Dublin, GA 31021 Full Service B&M $73,668
    Capital City Bank 6691 Thomasville Road Tallahassee, FL 32312 Full Service B&M $34,411
    Capital City Bank 690 S. Us Hwy 129 Bell, FL 32619 Full Service B&M $20,154
    Capital City Bank 7153 Broad Street Brooksville, FL 34601 Full Service B&M $19,513
    Capital City Bank 7240 Us Hwy 19 Fanning Springs, FL 32693 Full Service B&M $18,284
    Capital City Bank 7697 South Florida Avenue Floral City, FL 34436 Full Service B&M $15,208
    Capital City Bank 800 South Jefferson Street Monticello, FL 32344 Full Service B&M $36,426
    Capital City Bank 814 Suwannee Avenue Branford, FL 32008 Full Service B&M $44,295
    Capital City Bank 95 Highway 40 W Inglis, FL 34449 Full Service B&M $18,555
    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 2020, Capital City Bank had 62 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $106,197
    Net interest income $102,840
    Total noninterest income $111,346
    Gross Fiduciary activities income $5,972
    Service charges on deposit accounts $17,799
    Trading account gains and fees $0
    Additional Noninterest Income $87,575
    Pre-tax net operating income $54,903
    Securities gains (or losses, -) $0
    Income before extraordinary items $44,267
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $44,267
    Minority interest net income $11,078
    Net income $33,189
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $44,267

    Capital City Bank's gross interest income from loans was $106,197,000.
    Capital City Bank's net interest income from loans was $102,840,000.
    Capital City Bank's fee based income from loans was $17,799,000.
    Capital City Bank's net income from loans was $33,189,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,357
    Provision for credit losses $9,645
    Total noninterest expense $149,638
    Salaries and employee benefits $92,862
    Premises and equipment expense $22,630
    Additional noninterest expense $34,146
    Applicable income taxes $10,636
    Net charge-offs $2,393
    Cash dividends $21,000

    Capital City Bank's interest expense for loans was $3,357,000.
    Capital City Bank's payroll and benefits expense were $92,862,000.
    Capital City Bank's property, plant and equipment expenses $22,630,000.

    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 $3,261,592
    Deposits held in domestic offices $3,261,592
    Deposits by Individuals, partnerships, and corporations $2,785,013
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $476,552
    Deposits by Commercial banks and other depository institutions in U.S. $25
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $795,824
    Demand deposits $435,970
    Nontransaction accounts $2,465,768
    Money market deposit accounts (MMDAs) $266,649
    Other savings deposits (excluding MMDAs) $2,097,524
    Total time deposits $101,594
    Total time and savings deposits $2,825,622
    Noninterest-bearing deposits $1,379,998
    Interest-bearing deposits $1,881,594
    Retail deposits $3,255,181
    IRAs and Keogh plan accounts $27,992
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,789,776
    Cash & Balances due from depository institutions $928,549
    Interest-bearing balances $860,630
    Total securities $487,136
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,096,649
    Loan and leases loss allowance $23,816
    Trading account assets $0
    Bank premises and fixed assets $98,735
    Other real estate owned $808
    Goodwill and other intangibles $92,547
    All other assets $85,352

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,789,776
    Total Liabilities $3,448,715
    Total deposits $3,261,592
    Interest-bearing deposits $1,881,594
    Deposits held in domestic offices $3,261,592
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $4,851
    Trading liabilities $0
    Other borrowed funds $89,760
    Subordinated debt $0
    All other liabilities $92,512

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,096,649
    Loan and leases loss allowance $23,816
    Total loans and leases (domestic) $2,120,465
    All real estate loans $1,460,865
    Real estate loans in domestic offices $1,460,865
    Construction and development loans $202,659
    Residential 1-4 family construction $84,442
    Other construction, all land development and other land $118,217
    Loans secured by nonfarm nonresidential properties $533,817
    Nonfarm nonresidential secured by owner-occupied properties $272,770
    Commercial real estate & other non-farm, non-residential $261,047
    Multifamily residential real estate $28,767
    1-4 family residential loans $631,106
    Farmland loans $64,516
    Loans held in foreign offices $0
    Farm loans $6,606
    Commercial and industrial loans $334,316
    To non-U.S. addressees $0
    Loans to individuals $270,457
    Credit card loans $0
    Related Plans $5,123
    Consumer Auto Loans $245,194
    Other loans to individuals $20,140
    All other loans & leases $48,221
    Loans to foreign governments and official institutions $0
    Other loans $10,968
    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 $13,659
    Non 1-4 family restructured loans & leases $8,101
    Total loans and leases (foreign) $0

    Capital City Bank had $2,096,649,000 of loans outstanding in 2020. $1,460,865,000 of loans were in real estate loans. $202,659,000 of loans were in development loans. $28,767,000 of loans were in multifamily mortgage loans. $631,106,000 of loans were in 1-4 family mortgage loans. $6,606,000 of loans were in farm loans. $0 of loans were in credit card loans. $245,194,000 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 1,122 $224,979 $200,516
    Nonfarm, nonresidential loans - <$100k 243 $9,105 $37,469
    Nonfarm, nonresidential loans - $100-250k 436 $52,857 $121,232
    Nonfarm, nonresidential loans - $250k-1MM 443 $163,017 $367,984
    Commercial & Industrial, US addressed loans - <$1MM 4,161 $225,092 $54,096
    Commercial & Industrial, US addressed loans - <$100k 3,389 $86,647 $25,567
    Commercial & Industrial, US addressed loans - $100-250k 499 $57,119 $114,467
    Commercial & Industrial, US addressed loans - $250k-1MM 273 $81,326 $297,897
    Farmland loans - <$1MM 182 $15,100 $82,967
    Farmland loans - <$100k 92 $3,247 $35,293
    Farmland loans - $100-250k 64 $6,766 $105,719
    Farmland loans - $250k-1MM 26 $5,087 $195,654
    Agriculture operations loans - <$1MM 102 $4,599 $45,088
    Agriculture operations loans - <$100k 79 $1,409 $17,835
    Agriculture operations loans - $100-250k 12 $1,272 $106,000
    Agriculture operations loans - $250k-1MM 11 $1,918 $174,364