Call reports 2008
REPUBLIC BANK & TRUST COMPANY — 2008
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 3,049,496,000 | 2,978,499,000 | 2,969,872,000 | 3,867,289,000 |
| Total loans | 2,317,629,000 | 2,308,773,000 | 2,271,586,000 | 2,261,395,000 |
| Allowance for loan losses | 14,108,000 | 16,819,000 | 13,646,000 | 14,338,000 |
| Securities available for sale | 486,931,000 | 448,347,000 | 483,809,000 | 842,303,000 |
| Securities held to maturity | 50,951,000 | 50,045,000 | 50,491,000 | 50,266,000 |
| Trading assets | 2,074,000 | 177,000 | 0 | 0 |
| Total deposits | 1,762,919,000 | 1,585,559,000 | 1,756,948,000 | 2,701,427,000 |
| Interest-bearing deposits | 1,441,671,000 | 1,296,210,000 | 1,482,008,000 | 2,434,942,000 |
| Noninterest-bearing deposits | 321,248,000 | 289,349,000 | 274,940,000 | 266,485,000 |
| Equity capital | 251,537,000 | 259,814,000 | 266,224,000 | 264,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 66,494,000 | 111,019,000 | 153,756,000 | 197,310,000 |
| Interest expense | 22,511,000 | 38,436,000 | 54,019,000 | 70,302,000 |
| Net interest income | 43,983,000 | 72,583,000 | 99,737,000 | 127,008,000 |
| Noninterest income | 34,229,000 | 45,171,000 | 53,941,000 | 60,468,000 |
| Noninterest expense | 32,806,000 | 55,457,000 | 78,350,000 | 103,361,000 |
| Provision for loan losses | 10,001,000 | 13,368,000 | 13,511,000 | 15,128,000 |
| Pretax income | 35,092,000 | 45,228,000 | 52,843,000 | 54,529,000 |
| Income tax | 12,530,000 | 15,869,000 | 18,552,000 | 19,212,000 |
| Net income | 22,562,000 | 29,359,000 | 34,291,000 | 35,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 255,029,000 | 262,197,000 | 265,069,000 | 263,213,000 |
| Total capital | 292,587,000 | 302,466,000 | 302,165,000 | 301,001,000 |
| Risk-weighted assets | 2,038,058,000 | 1,967,013,000 | 1,929,083,000 | 2,011,265,000 |