Core Insights - Capital City Bank has been recognized as one of American Banker's "Best Banks to Work For" for the 13th consecutive year, ranking 37 out of 90 banks nationwide and 8 among banks with assets between $3 billion and $10 billion, showing significant improvement from its previous year's rankings of 56 and 15 respectively [1] Company Overview - Capital City Bank Group, Inc. is a publicly traded financial holding company headquartered in Florida with approximately $4.3 billion in assets, offering a full range of banking services including traditional deposit and credit services, mortgage banking, asset management, and securities brokerage [5] Employee Engagement and Culture - The recognition reflects the commitment of the bank's associates, emphasizing a workplace culture where employees feel valued and supported, with a focus on personal and professional growth [2] - The bank provides a comprehensive benefits package, including insurance, a stock purchase plan, 401(k), paid time off, and tuition assistance, alongside continuous learning programs to encourage skill development [2] Initiatives for Associate Support - Capital City Bank launched initiatives such as The Spotlight and Navigator to enhance associate engagement, providing platforms for recognition and resources for essential needs [3][6] - The evaluation process for the "Best Banks to Work For" involved assessing workplace policies and practices (25% of total evaluation) and associate surveys (75% of total evaluation) to gauge employee experiences [3][4]

Core Viewpoint - Capital City Bank Group (NASDAQ: CCBG) has demonstrated consistent performance among small regional banks, with an 11% increase year-to-date and an impressive 86.9% rise over the past decade [1]. Group 1: Company Performance - CCBG's stock has been one of the more consistent performers in the small regional bank sector over the last 10 years [1]. - The stock has increased by 11% year-to-date, indicating strong current performance [1]. - Over the past decade, CCBG's stock has risen by 86.9%, showcasing significant long-term growth [1]. Group 2: Market Perspective - The financial markets are viewed as efficient, with most stocks reflecting their real current value [1]. - The best investment opportunities are often found in stocks that are less widely followed or those that do not accurately reflect market opportunities [1].

Core Viewpoint - Capital City Bank Group, Inc. reported a strong financial performance for the first quarter of 2025, with net income of $16.9 million, reflecting growth in revenues, deposit balances, and credit quality metrics compared to previous quarters [1][2]. Income Statement - Net income attributable to common shareowners for Q1 2025 was $16.9 million, or $0.99 per diluted share, compared to $13.1 million ($0.77 per diluted share) in Q4 2024 and $12.6 million ($0.74 per diluted share) in Q1 2024 [1][28]. - Noninterest income increased by $1.1 million, or 6.1%, to $19.9 million in Q1 2025, driven by higher mortgage banking revenues and wealth management fees [6][10]. - Noninterest expense decreased by $3.1 million, or 7.4%, to $38.7 million in Q1 2025, primarily due to a reduction in other expenses [7][10]. Balance Sheet - Average earning assets totaled $3.994 billion in Q1 2025, an increase of $72 million, or 1.8%, from Q4 2024 [9]. - Total deposits were $3.784 billion at March 31, 2025, reflecting an increase of $111.9 million, or 3.0%, from December 31, 2024 [16][30]. - Loans held for investment (HFI) decreased by $11.5 million, or 0.4%, from Q4 2024, with notable declines in construction and commercial loans [11][12]. Credit Quality - The allowance for credit losses for loans HFI was $29.7 million at March 31, 2025, compared to $29.3 million at December 31, 2024 [13]. - Nonperforming assets totaled $4.4 million at March 31, 2025, down from $6.7 million at December 31, 2024 [14]. - Net loan charge-offs were 0.09% of average loans for Q1 2025, a decrease from 0.25% in Q4 2024 [10][28]. Capital Adequacy - Shareowners' equity increased to $512.6 million at March 31, 2025, compared to $495.3 million at December 31, 2024 [20]. - The total risk-based capital ratio was 19.20% at March 31, 2025, up from 18.64% at December 31, 2024 [21]. - The tangible common equity ratio was 9.61% at March 31, 2025, compared to 9.51% at December 31, 2024 [21][29].

Group 1 - Capital City Bank Group, Inc. will release its first quarter 2025 results on April 21, 2025, before the market opens [1] - Investors can access the earnings results on the Company's Investor Relations website [1] - Capital City Bank Group, Inc. is one of the largest publicly traded financial holding companies in Florida with approximately $4.5 billion in assets [2] Group 2 - The company offers a full range of banking services including traditional deposit and credit services, mortgage banking, asset management, and financial advisory services [2] - Capital City Bank, the bank subsidiary, was founded in 1895 and operates 62 banking offices and 105 ATMs/ITMs across Florida, Georgia, and Alabama [2] - For further inquiries, the Executive Vice President and Chief Financial Officer, Jep Larkin, can be contacted at 850.402.8450 [3]

Core Points - JPMorgan has announced a quarterly dividend increase to $1.40 per share, representing a 12% rise from the previous payout [1] - The company has increased its dividend payout four times in the past five years, with a five-year annualized dividend growth rate of 6.03% [2] - JPMorgan's current payout ratio is 27% of its earnings, and it has an annual dividend yield of 2.38% based on a closing price of $234.97 [2] Capital Distribution Activities - JPMorgan has a share repurchase program authorized for $30 billion, with nearly $19 billion remaining as of December 31, 2024 [3] - The company is expected to sustain its capital distributions due to a strong balance sheet and earnings strength, enhancing shareholder value [5] Financial Position - As of December 31, 2024, JPMorgan's total debt was $750.1 billion, primarily long-term, with cash and deposits amounting to $469.3 billion [4] - The company maintains strong long-term issuer ratings of A-/AA-/A1 from major rating agencies [4] Stock Performance - JPMorgan shares have increased by 11.3% over the past six months, underperforming the industry growth of 12.6% [6] - The company currently holds a Zacks Rank 3 (Hold) [7] Dividend Announcements by Other Banks - Capital City Bank Group announced a quarterly cash dividend of 24 cents per share, a 4.4% increase from the previous payout [8] - Red River Bancshares declared a quarterly cash dividend of 12 cents per share, indicating a 33.3% hike compared to the preceding payout [10]