Capital City Bank Group, Inc. (CCBG)

Capital City Bank Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	163.89	152.25	106.44	96.56	94.75	94.22
Interest Income on Investments	27.21	28.82	25.47	9.79	11.45	18.62
Total Interest Income	191.1	181.07	131.91	106.35	106.2	112.84
Interest Paid on Deposits	30.27	17.58	3.44	0.84	1.55	6.84
Interest Paid on Borrowings	3.82	4.5	3.44	2.65	3.32	2.65
Total Interest Expense	34.09	22.08	6.89	3.49	4.87	9.49
Net Interest Income	157	158.99	125.02	102.86	101.33	103.34
Net Interest Income Growth (YoY)	-0.58%	27.17%	21.54%	1.51%	-1.95%	11.72%
Trust Income	18.17	16.34	18.06	13.69	11.04	10.48
Mortgage Banking Activities	13.55	10.4	11.91	52.43	63.34	5.32
Other Non-Interest Income	21.21	23.55	23.09	22.55	18.99	17.78
Total Non-Interest Income	74.37	71.61	75.18	107.55	111.17	53.05
Non-Interest Income Growth (YoY)	6.63%	-4.75%	-30.09%	-3.26%	109.54%	2.89%
Revenues Before Loan Losses	231.38	230.6	200.2	210.41	212.49	156.4
Provision for Loan Losses	5.36	9.71	7.49	-1.55	9.65	2.03
Revenue	226.02	220.88	192.71	211.96	202.85	154.37
Revenue Growth (YoY)	4.47%	14.62%	-9.08%	4.49%	31.40%	9.37%
Salaries and Employee Benefits	96.21	91.59	89.22	99.87	94.58	64.05
Occupancy Expenses	15.33	14.63	13.39	13.05	12.15	9.7
Selling, General & Administrative	18.17	18.58	16.69	15.16	15.21	13.09
Other Non-Interest Expense	33.79	32.23	32.33	34.42	27.96	26.22
Total Non-Interest Expense	163.49	157.02	151.63	162.51	149.9	113.61
EBT Excluding Unusual Items	62.53	63.86	41.08	49.45	52.95	40.76
Other Unusual Items	-	-	-	-	-0.06	-
Pretax Income	62.53	63.86	41.08	49.45	52.88	40.76
Income Tax Expense	12.62	13.04	7.8	9.84	10.23	9.95
Earnings From Continuing Operations	49.92	50.82	33.28	39.62	42.65	30.81
Minority Interest in Earnings	1.63	1.44	0.14	-6.22	-11.08	-
Net Income	51.54	52.26	33.41	33.4	31.58	30.81
Net Income to Common	51.54	52.26	33.41	33.4	31.58	30.81
Net Income Growth	2.78%	56.40%	0.05%	5.76%	2.50%	17.48%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	-0.32%	0.22%	0.54%	0.42%	-0.03%	-1.43%
EPS (Basic)	3.04	3.08	1.97	1.98	1.88	1.84
EPS (Diluted)	3.04	3.07	1.97	1.98	1.88	1.83
EPS Growth	3.04%	55.84%	-0.51%	5.32%	2.73%	18.84%
Dividend Per Share	0.850	0.760	0.660	0.620	0.570	0.480
Dividend Growth	16.44%	15.15%	6.45%	8.77%	18.75%	50.00%
Effective Tax Rate	20.17%	20.42%	18.98%	19.89%	19.34%	24.42%

Source: S&P Capital IQ. Banks template. Financial Sources.