Call reports 2006
REPUBLIC BANK & TRUST COMPANY — 2006
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,675,669,000 | 2,733,288,000 | 2,806,553,000 | 2,978,011,000 |
| Total loans | 2,047,740,000 | 2,126,027,000 | 2,139,036,000 | 2,262,677,000 |
| Allowance for loan losses | 10,435,000 | 10,154,000 | 10,250,000 | 10,829,000 |
| Securities available for sale | 395,774,000 | 381,266,000 | 445,725,000 | 495,310,000 |
| Securities held to maturity | 63,847,000 | 58,141,000 | 57,296,000 | 56,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,713,491,000 | 1,682,519,000 | 1,620,093,000 | 1,740,770,000 |
| Interest-bearing deposits | 1,419,808,000 | 1,408,585,000 | 1,345,504,000 | 1,464,756,000 |
| Noninterest-bearing deposits | 293,683,000 | 273,934,000 | 274,589,000 | 276,014,000 |
| Equity capital | 194,472,000 | 197,460,000 | 203,740,000 | 218,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 43,453,000 | 83,917,000 | 126,293,000 | 176,374,000 |
| Interest expense | 18,717,000 | 39,164,000 | 61,745,000 | 89,024,000 |
| Net interest income | 24,736,000 | 44,753,000 | 64,548,000 | 87,350,000 |
| Noninterest income | 10,856,000 | 17,825,000 | 24,719,000 | 32,316,000 |
| Noninterest expense | 19,898,000 | 37,677,000 | 54,816,000 | 75,038,000 |
| Provision for loan losses | 821,000 | 1,337,000 | 1,401,000 | 1,945,000 |
| Pretax income | 14,873,000 | 23,564,000 | 33,050,000 | 42,983,000 |
| Income tax | 5,124,000 | 8,219,000 | 11,436,000 | 14,955,000 |
| Net income | 9,749,000 | 15,345,000 | 21,614,000 | 28,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 197,108,000 | 200,618,000 | 204,858,000 | 219,582,000 |
| Total capital | 230,993,000 | 234,222,000 | 238,558,000 | 253,861,000 |
| Risk-weighted assets | 1,743,153,000 | 1,766,995,000 | 1,795,749,000 | 1,905,384,000 |