Capital City Bank Q2 net income $8.7M ($0.51 EPS); loans +11.5%, margin up 32 bps

CAPITAL CITY BANK GROUP INC

2022-Q2 EPS reported $1.01

Net income $8.7M ($0.51 diluted) vs $8.5M ($0.50) in Q1 and $7.4M ($0.44) in Q2 2021.
Net interest income +14.7% QoQ; net interest margin 2.87%, up 32 bps from Q1.
Period-end loans +$228.1M (11.5%) with $132M residential loan purchases from CCHL.
Provision for credit losses $1.5M vs $0 in Q1 due to loan growth; credit metrics remain favorable.
Noninterest income $24.9M, down $0.9M QoQ on lower insurance commissions.

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