Capital City Bank Group, Inc. Annual report pursuant to Section 13 and 15(d)

Annual report pursuant to Section 13 and 15(d)

LOANS, NET (Details4)

LOANS, NET (Details4) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 31,035	$ 35,436	$ 43,999
Provision for Loan Losses	16,166	18,996	23,824
Charge-Offs	(22,222)	(26,191)	(35,514)
Recoveries	4,188	2,794	3,127
Net Charge-Offs	(18,034)	(23,397)	(32,387)
Ending Balance	29,167	31,035	35,436
Commercial, Financial and Agricultural
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	1,534	1,544	2,409
Provision for Loan Losses	251	1,446	883
Charge-Offs	(822)	(1,843)	(2,118)
Recoveries	290	387	370
Net Charge-Offs	(532)	(1,456)	(1,748)
Ending Balance	1,253	1,534	1,544
Real Estate-Construction
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	1,133	2,060	12,117
Provision for Loan Losses	2,309	(827)	(4,188)
Charge-Offs	(629)	(114)	(5,877)
Recoveries	43	14	8
Net Charge-Offs	(586)	(100)	(5,869)
Ending Balance	2,856	1,133	2,060
Real Estate-Commercial Mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	10,660	8,645	8,751
Provision for Loan Losses	5,770	8,477	8,395
Charge-Offs	(6,031)	(6,713)	(8,762)
Recoveries	682	251	261
Net Charge-Offs	(5,349)	(6,462)	(8,501)
Ending Balance	11,081	10,660	8,645
Real Estate-Residential
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	12,518	17,046	14,159
Provision for Loan Losses	4,588	6,864	14,670
Charge-Offs	(9,719)	(11,870)	(12,168)
Recoveries	1,291	478	385
Net Charge-Offs	(8,428)	(11,392)	(11,783)
Ending Balance	8,678	12,518	17,046
Real Estate-Home Equity
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	2,392	2,522	2,201
Provision for Loan Losses	3,050	2,383	2,853
Charge-Offs	(2,896)	(2,727)	(3,087)
Recoveries	399	214	555
Net Charge-Offs	(2,497)	(2,513)	(2,532)
Ending Balance	2,945	2,392	2,522
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	1,887	2,612	3,457
Provision for Loan Losses	82	749	1,109
Charge-Offs	(2,125)	(2,924)	(3,502)
Recoveries	1,483	1,450	1,548
Net Charge-Offs	(642)	(1,474)	(1,954)
Ending Balance	1,327	1,887	2,612
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	911	1,007	905
Provision for Loan Losses	116	(96)	102
Charge-Offs
Recoveries
Net Charge-Offs
Ending Balance	$ 1,027	$ 911	$ 1,007

- Definition

Reflects the net amount of other additions and reductions in the reserve for credit losses.

+ References + Details

- Definition

Reflects the gross amount charged against earnings during the period as credit losses (bad debt expense) based on review of the loan and lease portfolio and application of the methodology for estimating credit losses.

+ References + Details

- Definition

Reflects a reduction in bad debt expense attributable to collections of loans and lease receivables which had previously been fully or partially charged off as bad debts.

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- Definition

Reflects the amount of loans and leases that have been removed, or charged off, from both loan receivables and the reserve for credit losses, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities.

+ References + Details

- Definition

Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 5

-Paragraph 8, 9

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher OTS

-Name Federal Regulation (FR)

-Number Title 12

-Section 563c.102

-Paragraph 8

-Subparagraph a(ii)

-Chapter V

-Subsection I

-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 114

-Paragraph 20

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details