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About Capital City Bank Group, Inc.
Capital City Bank Group, Inc. (NASDAQ: CCBG) is one of the largest
publicly traded financial holding companies headquartered
in Florida and has approximately $4.4
billion in assets.
We provide
a full range of banking services, including traditional deposit
and credit services, mortgage banking, asset management, trust, merchant
services, bankcards, and securities brokerage services.
Our bank subsidiary,
Capital City Bank, was founded in 1895 and has 62 banking offices and 108
ATMs/ITMs
in Florida, Georgia
and Alabama.
For more information about Capital City Bank Group, Inc., visit
https://www.ccbg.com/
.
FORWARD
-LOOKING STATEMENTS
Forward-looking statements in this Press Release are based on current plans
and expectations that are subject to uncertainties and
risks, which could cause our future results to differ materially.
The words “may,” “could,” “should,”
“would,” “believe,”
“anticipate,” “estimate,” “expect,” “intend,” “plan,” “target,” “vision,”
“goal,” and similar expressions are intended to identify
forward-looking statements.
The following factors, among others, could cause our actual results to differ:
the effects of and changes
in trade and monetary and fiscal policies and laws, including the interest rate policies of
the Federal Reserve Board; inflation,
interest rate, market and monetary fluctuations; local, regional, national, and international
economic conditions and the impact they
may have on us and our clients and our assessment of that impact; the costs and
effects of legal and regulatory developments, the
outcomes of legal proceedings or regulatory or other governmental inquiries,
the results of regulatory examinations or reviews and
the ability to obtain required regulatory approvals; the effect of
changes in laws and regulations (including laws and regulations
concerning taxes, banking, securities, and insurance) and their application
with which we and our subsidiaries must comply; the
effect of changes in accounting policies and practices, as may
be adopted by the regulatory agencies, as well as other accounting
standard setters; the accuracy of our financial statement estimates and assumptions;
changes in the financial performance and/or
condition of our borrowers; changes in the mix of loan geographies, sectors and
types or the level of non-performing assets and
charge-offs; changes in estimates of future credit
loss reserve requirements based upon the periodic review thereof under relevant
regulatory and accounting requirements; changes in our liquidity position;
the timely development and acceptance of new products
and services and perceived overall value of these products and services by users;
changes in consumer spending, borrowing, and
saving habits; greater than expected costs or difficulties related to the
integration of new products and lines of business;
technological changes, including the impact of generative artificial intelligence; the
costs and effects of cyber incidents or other
failures, interruptions, or security breaches of our systems or those of our
customers or third-party providers; dispositions (including
the impact from the sale of our insurance subsidiary); acquisitions and integration
of acquired businesses; impairment of our
goodwill or other intangible assets; changes in the reliability of our vendors,
internal control systems, or information systems; our
ability to increase market share and control expenses; our ability to attract and retain qualified
employees; changes in our
organization, compensation, and benefit plans; the soundness of
other financial institutions; volatility and disruption in national and
international financial and commodity markets; changes in the competitive
environment in our markets and among banking
organizations and other financial service providers; action or inaction
by the federal government, including tariffs or trade wars
(including potential resulting reduced consumer spending, lower economic
growth or recession, reduced demand for U.S. exports,
disruptions to supply chains, and decreased demand for other banking
products and services), government intervention in the U.S.
financial system; policies related to credit card interest rates, and legislative,
regulatory or supervisory actions related to so‑called
“de‑banking,” including any new prohibitions, requirements or enforcement
priorities that could affect customer relationships,
compliance obligations, or operational practices; the effects
of natural disasters (including hurricanes), widespread health
emergencies (including pandemics), military conflict,
terrorism, civil unrest, climate change or other geopolitical events; our ability
to declare and pay dividends; structural changes in the markets for origination,
sale and servicing of residential mortgages; any
inability to implement and maintain effective internal control over
financial reporting and/or disclosure control; negative publicity
and the impact on our reputation; and the limited trading activity and concentration
of ownership of our common stock.
Additional
factors can be found in our Annual Report on Form 10-K for the fiscal year
ended December 31, 2024 and our other filings with the
SEC, which are available at the SEC’s internet
site (https://www.sec.gov).
Forward-looking statements in this Press Release speak
only as of the date of the Press Release, and we assume no obligation to update
forward-looking statements or the reasons why actual
results could differ, except as may
be required by law.
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