Call reports 2004
REPUBLIC BANK & TRUST COMPANY — 2004
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,169,313,000 | 2,177,769,000 | 2,316,839,000 | 2,445,261,000 |
| Total loans | 1,603,191,000 | 1,656,728,000 | 1,703,736,000 | 1,762,679,000 |
| Allowance for loan losses | 13,617,000 | 13,117,000 | 13,117,000 | 13,117,000 |
| Securities available for sale | 262,347,000 | 267,276,000 | 347,282,000 | 448,098,000 |
| Securities held to maturity | 128,427,000 | 102,304,000 | 90,173,000 | 98,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,344,467,000 | 1,351,692,000 | 1,450,184,000 | 1,452,887,000 |
| Interest-bearing deposits | 1,119,097,000 | 1,106,410,000 | 1,177,803,000 | 1,185,587,000 |
| Noninterest-bearing deposits | 225,370,000 | 245,282,000 | 272,381,000 | 267,300,000 |
| Equity capital | 146,122,000 | 149,636,000 | 156,056,000 | 161,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 37,316,000 | 66,529,000 | 97,134,000 | 130,108,000 |
| Interest expense | 10,018,000 | 19,900,000 | 30,753,000 | 43,055,000 |
| Net interest income | 27,298,000 | 46,629,000 | 66,381,000 | 87,053,000 |
| Noninterest income | 8,973,000 | 15,269,000 | 20,745,000 | 26,388,000 |
| Noninterest expense | 17,335,000 | 32,136,000 | 47,464,000 | 64,116,000 |
| Provision for loan losses | 2,008,000 | 1,513,000 | 1,375,000 | 1,621,000 |
| Pretax income | 16,928,000 | 28,249,000 | 38,287,000 | 47,704,000 |
| Income tax | 5,891,000 | 9,921,000 | 13,497,000 | 16,852,000 |
| Net income | 11,037,000 | 18,328,000 | 24,790,000 | 30,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,045,000 | 150,079,000 | 155,309,000 | 161,579,000 |
| Total capital | 181,112,000 | 186,646,000 | 191,876,000 | 198,146,000 |
| Risk-weighted assets | 1,409,684,000 | 1,443,655,000 | 1,509,057,000 | 1,571,364,000 |