Peer Analysis


Performance Ratios (%) CCBG Peer Median Peer Average
ROAA 0.49 0.99 0.84
ROAE 4.86 8.70 7.43
Net Interest Margin 3.42 3.79 3.88
Efficiency Ratio 78.61 59.63 61.17
Loans / Deposits 66.51 95.23 95.46
Asset Quality Ratios (%)
NPAs / Assets 1.44 0.92 1.34
NCOs / Avg Loans 0.17 0.10 0.30
Reserves / Loans 0.80 0.88 0.96
Reserves / NPAs 31.48 56.67 73.06
Capital Ratios (%)
Tier 1 Capital 16.31 12.23 13.22
Tangible Equity / Tangible Assets 7.17 9.64 9.98
Total Equity / Total Assets 9.86 12.28 11.99
Market Ratios
Price / Earnings (x) 30.18 22.57 31.47
Price / Book (%) 146.29 173.11 183.12
Dividend Yield (%) 1.13 1.12 1.20
Data for trailing four quarters

Capital City Bank Group, Inc.'s peer group consists of the following: Ameris Bancorp (ABCB), Bear State Financial, Inc. (BSF), CenterState Bank Corporation (CSFL), Community Trust Bancorp, Inc. (CTBI), Fidelity Southern Corporation (LION), First Bancorp (FBNC), HomeTrust Bancshares, Inc. (HTBI), MidSouth Bancorp, Inc. (MSL), Republic Bancorp, Inc. (RBCA.A), Seacoast Banking Corporation of Florida (SBCF), Stock Yards Bancorp, Inc. (SYBT)

Capital City Bank Group, Inc.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

Bear State Financial, Inc.'s financial data is as of 12/31/2017.
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