Call reports 2007
REPUBLIC BANK & TRUST COMPANY — 2007
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,953,034,000 | 3,026,872,000 | 3,086,214,000 | 3,091,562,000 |
| Total loans | 2,277,262,000 | 2,307,442,000 | 2,347,145,000 | 2,348,354,000 |
| Allowance for loan losses | 11,095,000 | 10,788,000 | 11,686,000 | 12,279,000 |
| Securities available for sale | 459,524,000 | 511,624,000 | 528,043,000 | 517,744,000 |
| Securities held to maturity | 56,197,000 | 55,120,000 | 54,634,000 | 47,214,000 |
| Trading assets | 659,000 | 162,000 | 65,000 | 0 |
| Total deposits | 1,783,289,000 | 1,627,657,000 | 1,680,951,000 | 1,926,456,000 |
| Interest-bearing deposits | 1,483,238,000 | 1,339,860,000 | 1,398,192,000 | 1,652,218,000 |
| Noninterest-bearing deposits | 300,051,000 | 287,797,000 | 282,759,000 | 274,238,000 |
| Equity capital | 225,420,000 | 228,503,000 | 232,798,000 | 237,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 51,333,000 | 98,176,000 | 145,971,000 | 194,401,000 |
| Interest expense | 24,689,000 | 50,094,000 | 76,727,000 | 102,204,000 |
| Net interest income | 26,644,000 | 48,082,000 | 69,244,000 | 92,197,000 |
| Noninterest income | 12,213,000 | 21,085,000 | 28,660,000 | 38,102,000 |
| Noninterest expense | 22,282,000 | 43,200,000 | 63,803,000 | 84,641,000 |
| Provision for loan losses | 3,678,000 | 3,844,000 | 5,140,000 | 6,582,000 |
| Pretax income | 12,897,000 | 22,123,000 | 28,961,000 | 39,084,000 |
| Income tax | 4,485,000 | 7,684,000 | 10,085,000 | 13,601,000 |
| Net income | 8,412,000 | 14,439,000 | 18,876,000 | 25,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 225,687,000 | 229,827,000 | 232,326,000 | 237,018,000 |
| Total capital | 260,232,000 | 264,065,000 | 267,462,000 | 272,747,000 |
| Risk-weighted assets | 1,932,052,000 | 1,986,417,000 | 2,026,963,000 | 2,033,155,000 |