Call reports 2003
REPUBLIC BANK & TRUST COMPANY — 2003
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,792,168,000 | 1,825,059,000 | 1,987,925,000 | 2,105,572,000 |
| Total loans | 1,354,292,000 | 1,419,612,000 | 1,532,305,000 | 1,562,048,000 |
| Allowance for loan losses | 11,362,000 | 12,362,000 | 13,362,000 | 13,617,000 |
| Securities available for sale | 243,697,000 | 214,055,000 | 183,238,000 | 294,717,000 |
| Securities held to maturity | 73,717,000 | 68,019,000 | 123,412,000 | 115,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,221,882,000 | 1,188,386,000 | 1,253,334,000 | 1,342,927,000 |
| Interest-bearing deposits | 1,029,423,000 | 973,099,000 | 1,065,048,000 | 1,152,236,000 |
| Noninterest-bearing deposits | 192,459,000 | 215,287,000 | 188,286,000 | 190,691,000 |
| Equity capital | 150,159,000 | 156,185,000 | 159,994,000 | 159,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 32,284,000 | 60,225,000 | 88,321,000 | 117,209,000 |
| Interest expense | 8,878,000 | 17,610,000 | 26,619,000 | 36,479,000 |
| Net interest income | 23,406,000 | 42,615,000 | 61,702,000 | 80,730,000 |
| Noninterest income | 11,472,000 | 20,067,000 | 25,751,000 | 29,863,000 |
| Noninterest expense | 15,535,000 | 30,340,000 | 45,001,000 | 60,625,000 |
| Provision for loan losses | 4,323,000 | 6,159,000 | 6,363,000 | 6,482,000 |
| Pretax income | 15,020,000 | 26,183,000 | 36,089,000 | 43,486,000 |
| Income tax | 5,403,000 | 9,377,000 | 12,935,000 | 15,603,000 |
| Net income | 9,617,000 | 16,806,000 | 23,154,000 | 27,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,242,000 | 152,846,000 | 158,098,000 | 157,593,000 |
| Total capital | 158,604,000 | 165,208,000 | 171,460,000 | 171,210,000 |
| Risk-weighted assets | 1,183,891,000 | 1,249,939,000 | 1,334,077,000 | 1,370,595,000 |