Capital City Bank

Capital City Bank is headquartered in Tallahassee and is the 11^st largest bank in the state of Florida. It is also the 268^th largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 960 employees at 74 locations. Capital City Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Capital City Bank FDIC Certificate # 9622 BankRate Report View Year Established 1907 Employees 960 Primary Regulator FED Assets and Liabilities Assets $2.62 billion Loans $1.60 billion Deposits $2.18 billion Equity Capital $309.28 million Loan Loss Allowance $31.04 million Unbacked Noncurrent Loans $75.17 million Real Estate Owned $62.60 million Historic Data - December 2010 Assets $2.60 billion Equity Capital $310.81 million Loan Loss Allowance $35.83 million Unbacked Noncurrent Loans $65.93 million Real Estate Owned $57.94 million Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 0.24% Return on Equity 1.99% Interest Income $99.46 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Capital City Bank had $137.77 million in non-current loans and owned real-estate with $340.32 million in equity and loan loss allowances on hand to cover it. This gives Capital City Bank a Texas Ratio of 40.48% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capital City Bank held steady from 35.73% as of December 31, 2010 to 40.48% as of December 31, 2011, resulting in a negative change of 13.29%. This indicates that the balance sheet and financial strength for Capital City Bank has held steady in recent periods. Deposit Growth In the past year, Capital City Bank has increased its total deposits by $63.72 million, resulting in 3.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capital City Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capital City Bank has $2.62 billion in assets with $340.32 million in equity, resulting in a capitalization level of 13.00%, which is excellent.

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