Call reports 2025
CAPITAL CITY BANK — 2025
What CAPITAL CITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 4,460,571,000 | 4,392,241,000 | 4,325,546,000 | 4,383,270,000 |
| Total loans | 2,682,211,000 | 2,650,671,000 | 2,606,211,000 | 2,567,813,000 |
| Allowance for loan losses | 29,734,000 | 29,862,000 | 30,202,000 | 31,001,000 |
| Securities available for sale | 453,127,000 | 525,360,000 | 569,236,000 | 635,825,000 |
| Securities held to maturity | 517,176,000 | 462,599,000 | 404,659,000 | 377,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,870,953,000 | 3,790,804,000 | 3,710,727,000 | 3,755,780,000 |
| Interest-bearing deposits | 2,420,151,000 | 2,372,772,000 | 2,311,126,000 | 2,410,425,000 |
| Noninterest-bearing deposits | 1,450,802,000 | 1,418,032,000 | 1,399,601,000 | 1,345,355,000 |
| Equity capital | 492,588,000 | 501,754,000 | 510,643,000 | 517,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 49,782,000 | 101,241,000 | 152,672,000 | 204,387,000 |
| Interest expense | 7,675,000 | 15,420,000 | 22,911,000 | 30,815,000 |
| Net interest income | 42,107,000 | 85,821,000 | 129,761,000 | 173,572,000 |
| Noninterest income | 22,868,000 | 42,276,000 | 63,290,000 | 83,124,000 |
| Noninterest expense | 41,879,000 | 83,091,000 | 125,371,000 | 167,275,000 |
| Provision for loan losses | 1,082,000 | 1,801,000 | 3,351,000 | 5,335,000 |
| Pretax income | 22,328,000 | 43,618,000 | 64,411,000 | 84,157,000 |
| Income tax | 5,277,000 | 10,461,000 | 15,465,000 | 20,394,000 |
| Net income | 17,051,000 | 33,157,000 | 48,946,000 | 63,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 413,115,000 | 420,161,000 | 426,710,000 | 431,959,000 |
| Total capital | 444,681,000 | 451,761,000 | 458,750,000 | 463,246,000 |
| Risk-weighted assets | 2,654,380,000 | 2,612,835,000 | 2,563,190,000 | 2,502,979,000 |