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Capital City Bank Group Inc's Business Segments
Capital City Bank Group Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
4
Largest Segment
Deposit Fees
Total Revenue
$ 62
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Deposit Fees18.1%
- Mortgage Banking Revenues14.4%
- Wealth Management Fees13.3%
- Bank Card Fees12.1%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Fees | $ 11 | 18.1% |
| Mortgage Banking Revenues | $ 9 | 14.4% |
| Wealth Management Fees | $ 8 | 13.3% |
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Annual Results
Revenue Share by Reportable Segment - FY
- Deposit Fees18.1%
- Mortgage Banking Revenues14.4%
- Wealth Management Fees13.3%
- Bank Card Fees12.1%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Fees | $ 11 | 18.1% |
| Mortgage Banking Revenues | $ 9 | 14.4% |
| Wealth Management Fees | $ 8 | 13.3% |
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Description of Capital City Bank Group Inc
Capital City Bank Group, Inc. (“CCBG”) is a financial holding company
headquartered in Tallahassee, Florida. CCBG was incorporated under Florida law
on December 13, 1982, to acquire five national banks and one state bank that all
subsequently became part of CCBG’s bank subsidiary, Capital City Bank (“CCB”
or the “Bank”).
We provide traditional deposit and credit services, asset management, trust, mortgage banking, merchant services, bank cards, data processing, and securities brokerage services through 61 banking offices in Florida, Georgia, and Alabama operated by CCB. The majority of our revenue, approximately 84%, is derived from our Florida market areas while approximately 15% and 1% of our revenue is derived from our Georgia and Alabama market areas, respectively.
Capital City Bank Group Inc. operates as a comprehensive financial services provider through its various segments, encompassing a broad array of products and services. The organization is structured into one reportable segment with four principal service areas: Banking Services, Data Processing Services, Trust and Asset Management Services, and Brokerage Services. Below is a detailed description of each segment, its products, and services.
1. Banking Services (Capital City Bank - CCB)
Capital City Bank, a Florida-chartered full-service bank, is engaged in both commercial and retail banking, providing a robust portfolio of services designed to meet the diverse financial needs of individuals and businesses.
Key Products and Services Offered:
- Business Banking:
- Aimed at corporations and business clients, this service includes a variety of credit products tailored for commercial purposes, such as financing options for business properties, equipment purchases, inventory, and accounts receivable.
- The bank also provides commercial leasing options and letters of credit, alongside advanced treasury management services.
- Through a partnership with Elavon, Inc. the bank offers merchant credit card transaction processing services, catering to businesses requiring reliable payment processing solutions.
- Commercial Real Estate Lending:
- This segment offers financing products to commercial developers, residential builders, and community development projects.
- Credit options are provided for purchasing land, constructing business properties, or investing in commercial and residential developments.
- Residential Real Estate Lending:
- The bank supports consumers in home financing through a variety of mortgage options, including conventional permanent loans as well as construction/permanent financing (available in fixed, adjustable, or variable rates).
- Specialty loan products such as FHA and VA loans are also accessible, with a portion of loans sold into the secondary market to provide additional liquidity.
- It is important to note that the bank does not engage in the origination of subprime residential real estate loans.
- Retail Credit:
- A comprehensive spectrum of consumer loan products is available, including personal loans, automobile loans, boat and recreational vehicle (RV) loans, and home equity loans.
- The bank also partners with ELAN to offer a range of credit card programs to its customers.
- Institutional Banking:
- This service area targets state and local governments, educational institutions, charities, and non-profit organizations.
- Offered services include customized checking and savings accounts, cash management solutions, tax-exempt loans, and lines of credit.
- Retail Banking:
- A full suite of consumer banking services is provided, including checking and savings accounts, automated teller machines (ATMs), debit and credit card services, night deposit options, safe deposit boxes, online banking, and mobile banking applications.
- The Capital City Bank Direct service offers accessible customer support through a “live” call center for inquiries regarding account management, operating from 8 a.m. to 6 p.m. on weekdays and 9 a.m. to 12 noon on Saturdays.
Capital City Trust Company (Trust and Asset Management Services)
Capital City Trust Company serves as the investment management division of Capital City Bank, offering a wide array of customized services focused on asset management for individuals and institutional clients.
Key Services Include:
- Personal Trust Services:
- Management of individual wealth through agency accounts, personal trusts, and individual retirement accounts (IRAs).
- The company provides tailored investment management based on individual risk tolerances and financial goals.
- Pension and Plan Administration:
- Asset management services extend to the administration of pension plans, profit-sharing plans, and 401(k) plans for organizations seeking comprehensive retirement solutions.
- Institutional Investment Management:
- Various institutions, such as endowments and non-profits, utilize the Trust Company to manage their investment portfolios effectively, benefiting from professional management and oversight.
Brokerage Services (Capital City Banc Investments, Inc.)
Capital City Banc Investments, Inc. facilitates access to a wide range of retail investment products through strategic partnerships.
Investment Offerings:
- The organization provides non-deposit investment and insurance products, including:
- U.S. Government bonds
- Tax-exempt municipal bonds
- Equities, mutual funds, and unit investment trusts
- Annuities, life insurance, and long-term health care options
- It’s important to understand that these products are not FDIC insured, nor are they bank obligations or guarantees, thereby carrying investment risks, including potential loss of principal.
Data Processing Services (Capital City Services Company)
Capital City Services Company acts as the technology backbone for financial and commercial institutions by delivering essential data processing services.
Key Functions:
- Providing comprehensive data solutions for financial institutions as well as government agencies and commercial clients in the North Florida and South Georgia regions.
- Their services encompass transaction processing, data management, and customized technology solutions tailored to meet client needs in a digital age.
In summary, Capital City Bank Group Inc. is structured to provide a variety of financial services that cater to both individual clients and businesses. Its extensive suite of banking, trust, investment, and data processing solutions positions the bank as a versatile player in the financial services landscape.
1. Banking Services (Capital City Bank - CCB)
Capital City Bank, a Florida-chartered full-service bank, is engaged in both commercial and retail banking, providing a robust portfolio of services designed to meet the diverse financial needs of individuals and businesses.
Key Products and Services Offered:
- Business Banking:
- Aimed at corporations and business clients, this service includes a variety of credit products tailored for commercial purposes, such as financing options for business properties, equipment purchases, inventory, and accounts receivable.
- The bank also provides commercial leasing options and letters of credit, alongside advanced treasury management services.
- Through a partnership with Elavon, Inc. the bank offers merchant credit card transaction processing services, catering to businesses requiring reliable payment processing solutions.
- Commercial Real Estate Lending:
- This segment offers financing products to commercial developers, residential builders, and community development projects.
- Credit options are provided for purchasing land, constructing business properties, or investing in commercial and residential developments.
- Residential Real Estate Lending:
- The bank supports consumers in home financing through a variety of mortgage options, including conventional permanent loans as well as construction/permanent financing (available in fixed, adjustable, or variable rates).
- Specialty loan products such as FHA and VA loans are also accessible, with a portion of loans sold into the secondary market to provide additional liquidity.
- It is important to note that the bank does not engage in the origination of subprime residential real estate loans.
- Retail Credit:
- A comprehensive spectrum of consumer loan products is available, including personal loans, automobile loans, boat and recreational vehicle (RV) loans, and home equity loans.
- The bank also partners with ELAN to offer a range of credit card programs to its customers.
- Institutional Banking:
- This service area targets state and local governments, educational institutions, charities, and non-profit organizations.
- Offered services include customized checking and savings accounts, cash management solutions, tax-exempt loans, and lines of credit.
- Retail Banking:
- A full suite of consumer banking services is provided, including checking and savings accounts, automated teller machines (ATMs), debit and credit card services, night deposit options, safe deposit boxes, online banking, and mobile banking applications.
- The Capital City Bank Direct service offers accessible customer support through a “live” call center for inquiries regarding account management, operating from 8 a.m. to 6 p.m. on weekdays and 9 a.m. to 12 noon on Saturdays.
Capital City Trust Company (Trust and Asset Management Services)
Capital City Trust Company serves as the investment management division of Capital City Bank, offering a wide array of customized services focused on asset management for individuals and institutional clients.
Key Services Include:
- Personal Trust Services:
- Management of individual wealth through agency accounts, personal trusts, and individual retirement accounts (IRAs).
- The company provides tailored investment management based on individual risk tolerances and financial goals.
- Pension and Plan Administration:
- Asset management services extend to the administration of pension plans, profit-sharing plans, and 401(k) plans for organizations seeking comprehensive retirement solutions.
- Institutional Investment Management:
- Various institutions, such as endowments and non-profits, utilize the Trust Company to manage their investment portfolios effectively, benefiting from professional management and oversight.
Brokerage Services (Capital City Banc Investments, Inc.)
Capital City Banc Investments, Inc. facilitates access to a wide range of retail investment products through strategic partnerships.
Investment Offerings:
- The organization provides non-deposit investment and insurance products, including:
- U.S. Government bonds
- Tax-exempt municipal bonds
- Equities, mutual funds, and unit investment trusts
- Annuities, life insurance, and long-term health care options
- It’s important to understand that these products are not FDIC insured, nor are they bank obligations or guarantees, thereby carrying investment risks, including potential loss of principal.
Data Processing Services (Capital City Services Company)
Capital City Services Company acts as the technology backbone for financial and commercial institutions by delivering essential data processing services.
Key Functions:
- Providing comprehensive data solutions for financial institutions as well as government agencies and commercial clients in the North Florida and South Georgia regions.
- Their services encompass transaction processing, data management, and customized technology solutions tailored to meet client needs in a digital age.
In summary, Capital City Bank Group Inc. is structured to provide a variety of financial services that cater to both individual clients and businesses. Its extensive suite of banking, trust, investment, and data processing solutions positions the bank as a versatile player in the financial services landscape.