We have one reportable segment with four principal services: Banking Services
(CCB), Data Processing Services (Capital City Services Company), Trust and Asset
Management Services (Capital City Trust Company), and Brokerage Services (Capital
City Banc Investments, Inc.).
Capital City Bank
CCB is a Florida-chartered full-service bank engaged in the commercial and retail
banking business. Significant services offered by the Bank include:
Business Banking – The Bank provides banking services to corporations
and other business clients. Credit products are available for a wide variety
of general business purposes, including financing for commercial business properties,
equipment, inventories and accounts receivable, as well as commercial leasing
and letters of credit. We also provide treasury management services, and, through
a marketing alliance with Elavon, Inc., merchant credit card transaction processing
services.
Commercial Real Estate Lending – The Bank provides a wide range of products
to meet the financing needs of commercial developers and investors, residential
builders and developers, and community development. Credit products are available
to purchase land and build structures for business use and for investors who
are developing residential or commercial property.
Residential Real Estate Lending – The Bank provides products to help meet
the home financing needs of consumers, including conventional permanent and
construction/ permanent (fixed, adjustable, or variable rate) financing arrangements,
and FHA/VA loan products. The Bank offers both fixed-rate and adjustable rate
residential mortgage (ARM) loans. A portion of our loans originated are sold
into the secondary market. The Bank offers these products through its existing
network of banking offices. We do not originate subprime residential real estate
loans.
Retail Credit – The Bank provides a full-range of loan products to meet
the needs of consumers, including personal loans, automobile loans, boat/RV
loans, home equity loans, and through a marketing alliance with ELAN, we offer
credit card programs.
Institutional Banking – The Bank provides banking services to meet the
needs of state and local governments, public schools and colleges, charities,
membership and not-for-profit associations including customized checking and
savings accounts, cash management systems, tax-exempt loans, lines of credit,
and term loans.
Retail Banking – The Bank provides a full-range of consumer banking services,
including checking accounts, savings programs, automated teller machines (ATMs),
debit/credit cards, night deposit services, safe deposit facilities, online
banking, and mobile banking. Clients can use Capital City Bank Direct which
offers a “live” call center between the hours of 8 a.m. to 6 p.m.
Monday through Friday and from 9 a.m. to 12 noon on Saturday. The call center
can also be accessed via live chat through the internet. Bank Direct also offers
an automated phone system offering 24-hour access to client deposit and loan
account information and transfer of funds between linked accounts. The Bank
is a member of the “Star”, “Plus” and “Presto”
ATM Networks that permit banking clients to access cash at ATMs or “point-of-sale”
merchants.
Capital City Trust Company
Capital City Trust Company (the “Trust Company”) is the investment
management arm of CCB. The Trust Company provides asset management for individuals
through agency, personal trust, IRA, and personal investment management accounts.
The Trust Company also provides services for the administration of pension,
profit sharing, and 401(k) plans. Associations, endowments, and other nonprofit
entities hire the Trust Company to manage their investment portfolios. Additionally,
a staff of well-trained professionals serves individuals requiring the services
of a trustee, personal representative, or a guardian.
Capital City Banc Investments, Inc.
Capital City Banc Investments, Inc. offers access to retail investment products
through INVEST Financial Corporation, a member of FINRA and SIPC. Non-deposit
investment and insurance products are: (i) not FDIC insured; (ii) not deposits,
obligations, or guarantees by any bank; and (iii) subject to investment risk,
including the possible loss of principal amount invested. Capital City Banc
Investments, Inc. offers a full line of retail securities products, including
U.S. Government bonds, tax-free municipal bonds, stocks, mutual funds, unit
investment trusts, annuities, life insurance and long-term health care. We are
not an affiliate of INVEST Financial Corporation.
Capital City Services Company
Capital City Services Company (the “Services Company”) provides
data processing services to financial institutions (including CCB), government
agencies, and commercial clients located in North Florida and South Georgia.