Capital City Bank Group Q3 net income $11.3M ($0.67 EPS); NIM expands 44bps to 3.31%

CAPITAL CITY BANK GROUP INC

2022-Q3 EPS reported $1.68

Net income $11.3M ($0.67 diluted EPS) vs $8.7M ($0.51) in Q2 2022 and $10.1M ($0.60) in Q3 2021.
Net interest margin 3.31%, up 44 bps QoQ; loan growth 6.0% period-end, 8.6% average.
Provision for credit losses $2.1M, driven by loan growth; nonperforming assets $2.4M (0.06% of assets).
Noninterest income down $2.0M QoQ to $22.9M on lower mortgage banking; expenses down $0.7M to $39.8M.
Capital ratios well-capitalized: total risk-based 15.75%, CET1 12.83%, leverage 8.91%.

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