CCBG Q3 net income $13.1M ($0.78/sh); NIM expands to 4.12%, dividend raised 9.5%

CAPITAL CITY BANK GROUP INC

2024-Q3 EPS reported $2.35

Net income $13.1M, down from $14.2M in Q2 but up from $12.7M a year ago; diluted EPS $0.78 vs $0.83 Q2.
Tax-equivalent NII $40.3M, up $1.0M QoQ; net interest margin 4.12%, +10 bps from Q2, +9 bps YoY.
Average loans HFI down $33.2M (-1.2%) QoQ; average deposits down $69.0M (-1.9%) due to seasonal public funds.
Tangible book value per diluted share rose $0.91 (+4.2%) to $22.68; quarterly dividend increased 9.5% to $0.235/sh.
Noninterest expense $42.9M, up $2.5M QoQ, including $0.5M VISA share swap payment; credit loss provision $1.2M.

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