Annual report pursuant to Section 13 and 15(d)

CAPITAL

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CAPITAL
12 Months Ended
Dec. 31, 2011
Capital [Abstract]  
CAPITAL

Note 14

CAPITAL

 

The Company is subject to various regulatory capital requirements which involve quantitative measures of the Company's assets, liabilities and certain off-balance sheet items.  The Company's capital amounts and classification are subject to qualitative judgments by the regulators about components, risk weightings, and other factors.  Quantitative measures established by regulation to ensure capital adequacy require that the Company maintain amounts and ratios (set forth in the table below) of total and Tier I Capital to risk-weighted assets, and of Tier I Capital to average assets.  As of December 31, 2011, the Company met all capital adequacy requirements to which it is subject.

 

A summary of actual, required, and capital levels necessary to be considered well-capitalized for Capital City Bank Group, Inc. consolidated and its banking subsidiary, CCB, as of December 31, 2011 and December 31, 2010 are as follows:

 

    Actual  

Required

For Capital

Adequacy Purposes

 

To Be Well-

Capitalized Under

Prompt Corrective

Action Provisions

 
(Dollars in Thousands)   Amount   Ratio   Amount Ratio   Amount Ratio  
As of December 31, 2011:                      
Tier I Capital:                      
CCBG   $ 246,455   13.96 % $ 70,964 4.00 % * *  
CCB     246,159   13.96 %   70,904 4.00 % 106,356 6.00 %
                           
Total Capital:                          
CCBG     270,518   15.32 %   141,928 8.00 % * *  
CCB     268,317   15.21 %   141,809 8.00 % 177,261 10.00 %
                           
Tier I Leverage:                          
CCBG     246,455   10.26 %   70,964 4.00 % * *  
CCB     246,159   10.26 %   70,904 4.00 % 88,630 5.00 %
                           
As of December 31, 2010:                          
Tier I Capital:                          
CCBG   $ 249,619   13.24 % $ 75,920 4.00 % * *  
CCB     240,270   12.77 %   75,734 4.00 % 113,601 6.00 %
                           
Total Capital:                          
CCBG     275,231   14.59 %   151,840 8.00 % * *  
CCB     263,937   14.03 %   151,469 8.00 % 189,336 10.00 %
                           
Tier I Leverage:                          
CCBG     249,619   10.10 %   75,920 4.00 % * *  
CCB     240,270   9.74 %   75,734 4.00 % 94,668 5.00 %

 

* Not applicable to bank holding companies.