CAPITAL CITY BANK GROUP INC

About Us General Capital City Bank Group, Inc. ( CCBG ) is a financial holding company headquartered in Tallahassee, Florida. CCBG was incorporated under Florida law on December 13, 1982, to acquire five national banks and one state bank that all subsequently became part of CCBG’s bank subsidiary, Capital City Bank ( CCB or the Bank ). The Bank commenced operations in 1895. In this report, the terms Company, we, us, or our mean CCBG and all subsidiaries included in our consolidated financial statements. CCBG is one of the largest publicly traded financial holding companies headquartered in Florida and has approximately $4. 4 billion in assets. We provide a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, securities brokerage services and financial advisory services, including the sale of life insurance, risk management and asset protection services. The Bank has 62 banking offices and 108 ATMs/ITMs in Florida, Georgia, and Alabama. Through Capital City Home Loans, LLC ( CCHL ), we have 28 additional offices in the Southeast for our mortgage banking business. The majority of the revenue, approximately 81%, is derived from our Florida market areas while approximately 17% and 2% of the revenue is derived from our Georgia and other market areas, respectively. Below is a summary of our financial condition and results of operations for the past three fiscal years, which we believe is a sufficient period for understanding our general business development.