secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL CITY BANK GROUP INC (CCBG)
CIK:        0000726601
Form:       8-K
Filed at:   2024-01-23T23:59:59+00:00
Accession:  0000726601-24-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Capital City Bank Q4 net income $11.7M ($0.70 EPS); full-year record $52.3M ($3.07 EPS)
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- Q4 2023 net income $11.7M ($0.70 diluted EPS) vs $12.7M ($0.74) in Q3 2023 and $9.6M ($0.56) in Q4 2022.
- Full year 2023 net income $52.3M ($3.07 diluted EPS) vs $33.4M ($1.97) for 2022 – a record year.
- Net interest margin expanded to 4.07% in Q4 (up 31 bps YoY); full year NIM 4.05% vs 3.14% in 2022.
- Loans grew 7.3% YoY (end-of-period); deposits declined 6.0% YoY; allowance coverage ratio 1.10%.
- Nonperforming assets rose to $6.2M (0.15% of assets) from $4.7M in Q3 and $2.7M a year ago.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/726601/000072660124000004/0000726601-24-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/726601/000072660124000004/ccbg20240123.htm
  HTML page:      https://secwatch.observer/filing/0000726601-24-000004

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