Call reports 2005
REPUBLIC BANK & TRUST COMPANY — 2005
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,603,913,000 | 2,541,058,000 | 2,526,422,000 | 2,666,710,000 |
| Total loans | 1,822,035,000 | 1,906,051,000 | 1,926,505,000 | 2,004,926,000 |
| Allowance for loan losses | 13,351,000 | 12,877,000 | 10,592,000 | 10,375,000 |
| Securities available for sale | 433,939,000 | 409,090,000 | 388,663,000 | 444,874,000 |
| Securities held to maturity | 79,060,000 | 70,110,000 | 64,157,000 | 64,298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,605,748,000 | 1,538,285,000 | 1,614,134,000 | 1,651,807,000 |
| Interest-bearing deposits | 1,298,210,000 | 1,262,838,000 | 1,335,674,000 | 1,370,189,000 |
| Noninterest-bearing deposits | 307,538,000 | 275,447,000 | 278,460,000 | 281,618,000 |
| Equity capital | 172,567,000 | 178,680,000 | 179,460,000 | 184,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 42,707,000 | 78,692,000 | 114,659,000 | 151,976,000 |
| Interest expense | 13,976,000 | 28,751,000 | 44,739,000 | 62,563,000 |
| Net interest income | 28,731,000 | 49,941,000 | 69,920,000 | 89,413,000 |
| Noninterest income | 10,179,000 | 16,854,000 | 23,137,000 | 29,443,000 |
| Noninterest expense | 17,246,000 | 33,777,000 | 50,781,000 | 67,764,000 |
| Provision for loan losses | 1,781,000 | 1,534,000 | -1,096,000 | -1,014,000 |
| Pretax income | 19,883,000 | 31,484,000 | 43,372,000 | 52,106,000 |
| Income tax | 6,851,000 | 10,740,000 | 14,764,000 | 17,828,000 |
| Net income | 13,032,000 | 20,744,000 | 28,608,000 | 34,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 174,817,000 | 179,677,000 | 181,054,000 | 186,905,000 |
| Total capital | 211,618,000 | 216,004,000 | 215,096,000 | 220,730,000 |
| Risk-weighted assets | 1,641,658,000 | 1,674,231,000 | 1,657,333,000 | 1,726,775,000 |