| Schedule of Company and Bank's actual capital amounts and ratios |
As
of December 31, 2015, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well
capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution
must maintain minimum common equity tier 1, total risk-based, tier 1 risk based and tier 1 leverage ratios as set forth in the
following tables. There are not conditions or events since the notification that management believes have changed the Banks
category. The Company and Banks actual capital amounts and ratios as of December 31, 2015 and 2014 are also presented in
the table.
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To
Be Well- |
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Capitalized
Under |
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Required |
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Prompt |
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For
Capital |
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Corrective |
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Actual |
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Adequacy
Purposes |
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Action
Provisions |
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| (Dollars
in Thousands) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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| 2015 |
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| Common Equity Tier
1: |
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| CCBG |
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$ |
215,075 |
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12.84 |
% |
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$ |
75,385 |
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4.50 |
% |
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* |
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* |
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| CCB |
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266,138 |
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15.93 |
% |
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75,162 |
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4.50 |
% |
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$ |
108,567 |
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6.50 |
% |
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| Tier 1 Capital: |
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| CCBG |
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275,075 |
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16.42 |
% |
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100,513 |
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6.00 |
% |
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* |
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* |
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| CCB |
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266,138 |
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15.93 |
% |
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100,216 |
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6.00 |
% |
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133,621 |
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8.00 |
% |
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| Total Capital: |
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| CCBG |
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289,028 |
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17.25 |
% |
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134,018 |
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8.00 |
% |
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* |
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* |
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| CCB |
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280,091 |
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16.77 |
% |
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133,621 |
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8.00 |
% |
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167,026 |
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10.00 |
% |
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| Tier 1 Leverage: |
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| CCBG |
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275,075 |
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10.65 |
% |
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103,342 |
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4.00 |
% |
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* |
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* |
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| CCB |
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266,138 |
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10.33 |
% |
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103,095 |
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4.00 |
% |
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128,869 |
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5.00 |
% |
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| 2014 |
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| Tier 1 Capital: |
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| CCBG |
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$ |
269,503 |
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16.67 |
% |
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$ |
64,656 |
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4.00 |
% |
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* |
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* |
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| CCB |
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261,655 |
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16.24 |
% |
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64,458 |
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4.00 |
% |
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$ |
96,687 |
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6.00 |
% |
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| Total Capital: |
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| CCBG |
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287,042 |
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17.76 |
% |
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129,313 |
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8.00 |
% |
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* |
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* |
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| CCB |
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279,194 |
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17.33 |
% |
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128,916 |
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8.00 |
% |
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161,145 |
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10.00 |
% |
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| Tier 1 Leverage: |
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| CCBG |
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269,503 |
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10.99 |
% |
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98,090 |
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4.00 |
% |
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* |
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* |
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| CCB |
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261,655 |
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10.70 |
% |
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97,834 |
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4.00 |
% |
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122,293 |
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5.00 |
% |
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* |
Not
applicable to bank holding companies. |
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