Capital City Bank Group · NASDAQ:CCBG
Capital City Bank — Q1 2023 Earnings Presentation
6 slides from Capital City Bank's earnings presentation, Apr 24, 2023
Slide 1: Earnings Release First Quarter 2023 Supplemental Information
EARNINGS RELEASE FIRST QUARTER 2023 SUPPLEMENTAL INFORMATION NASDAQ: CCBG a Bank Grau
Slide 2: Deposit Franchise
DEPOSIT FRANCHISE * Very Diversified and Granular Deposit Base Top 10 Commercial Deposit Sectors %of % of Total Deposits Public Administration 434,926 20.6% ma% Financeand insurance 261,057 12.3% 6.2% Construction 176,680 8.4% 46% > Consumer/Commercial/Institutional Mix of 45% /38%/17% (NAICS Code)
Slide 3: Liquidity
LIQUIDITY * Strong Balance Sheet Flexibility: > Loan/Deposit Ratio of 69% > Overnight Funds + Total Securities of 31% of Total Assets > Overnight Funds + Free Securities of 14% of Total Assets * 112% of Uninsured Deposits Are Covered By Overnight Funds, Free Securities, & FHLB Capacity * Additional
Slide 4: Investments
INVESTMENTS + Very Short Total Portfolio Duration of 2.99 Years Securities Yield + 73% is Government Guaranteed * Total AfterTax Unrealized Loss at March 31, 2023: > AFS (AOC) = $26.2M (6.1% of Balance) > HTM = $29.5M (4.8% of Balance) > Total Unrealized Loss = 5.3% of Balance Composition 1% AFS HTM
Slide 5: Capital
APITAL * YoY Growth of 14% in TBV/Share and 12% in TCE Ratio + $140M in Excess Regulatory Capital (Above Well- Capitalized) * Adjusted TCE Ratio of 6.69% if HTM Securities Loss 1 ey was Recognized in AOCI Tangible Common Equity Regulatory Capital O a mae bean se Sloe, of 2 2 sn Sa eee @ tericapiat —
Slide 6: Capital City Bank Group
Capital Ci x) Bank cra Corporate Headquarters 217 North Monroe Street Tallahassee, FL 32301 www.ccbg.com
Capital City Bank Group — Q1 2023 Earnings Presentation on 6ix