Capital City Bank Q1 net income $16.9M ($0.99/diluted) vs $13.1M Q4 2024; NIM 4.22%

CAPITAL CITY BANK GROUP INC

2025-Q1 EPS reported $0.99

Net income $16.9M ($0.99 diluted EPS) vs Q4 2024 $13.1M ($0.77) and Q1 2024 $12.6M ($0.74).
Net interest margin 4.22%, up 5 bps QoQ; deposit cost down 4 bps to 82 bps.
Noninterest income up 6.1% to $19.9M; mortgage banking +$0.7M, wealth management +$0.5M.
Noninterest expense down 7.4% to $38.7M; gain on sale of operations center added $0.17/diluted share.
Credit quality improved; net charge-offs 9 bps annualized (vs 25 bps Q4 2024); nonperforming assets $4.4M.

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