2025年第2四半期決算を発表
TALLAHASSEE, Fla.
(July 22, 2025) – Capital City Bank Group, Inc. (NASDAQ: CCBG)
today reported net income attributable to
common shareowners of $15.0 million, or $0.88 per diluted share, for
the second quarter of 2025
compared to $16.9 million, or
$0.99 per diluted share, for the first quarter of 2025, and $14.2 million, or $0.
83 per diluted share, for the second quarter of 2024.
QUARTER HIGHLIGHTS (2
nd
st
Income Statement
●
Tax-equivalent
net interest income totaled $43.2 million compared
to $41.6
million for the first quarter of 2025
-
Net interest margin increased
eight basis points to 4.30% (earning asset yield increased
by six basis points
and cost of funds
decreased two basis points to 82 basis points
)
●
Provision for credit losses decreased
by $0.1 million to $0.6 million for the second quarter - net loan
charge-offs were
comparable to the first quarter of 2025 at nine basis points (annualized) of
average loans – allowance coverage ratio increased
2025年6月30日時点で1.13
●
Noninterest income increased
by $0.1 million, or 0.5%, reflecting higher
deposit and bankcard fees as well as mortgage fees
資産管理手数料の減少により一部相殺された
●
Noninterest expense increased
by $3.8 million, or 9.9%, primarily due to a $3.9 million net gain from
the sale of our operations
center building (reflected in other expense)
in the first quarter of 2025
Balance Sheet
●
Loan balances decreased by $13.3 million, or
0.5% (average), and decreased by $29.3 million, or
1.1% (end of period)
●
Deposit balances increased by $15.2 million,
or 0.4% (average), and decreased by $79.0 million, or
2.1% (end of period) due to
公的資金残高の季節的減少
-
Noninterest bearing deposits averaged
36.5% of total deposits for the second quarter and 36.2% for the year
●
Tangible
book value per diluted share (non-GAAP financial measure)
increased by $0.78, or 3.2%
“Capital City delivered another strong quarter,
highlighted by sustained revenue growth and continued credit strength,”
said William
G. Smith, Jr, Capital City Bank Group Chairman
and CEO. “Our second quarter results reflect a 3.9% increase in net interest
income and an 8 basis point expansion in the net interest margin
to 4.30%.
Tangible book value per
share increased by 3.2%, and
we further strengthened our capital position, with our tangible capital ratio
increasing to 10.1%. We
remain focused on executing
strategies that drive consistent, profitable growth,
supported by a fortress balance sheet that provides resilience and strategic