Call reports 2015
REPUBLIC BANK & TRUST COMPANY — 2015
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,949,700,000 | 4,063,592,000 | 4,032,330,000 | 4,222,641,000 |
| Total loans | 3,168,704,000 | 3,336,319,000 | 3,310,697,000 | 3,331,867,000 |
| Allowance for loan losses | 24,631,000 | 25,248,000 | 26,959,000 | 27,491,000 |
| Securities available for sale | 464,145,000 | 456,611,000 | 461,558,000 | 513,653,000 |
| Securities held to maturity | 44,574,000 | 43,070,000 | 41,041,000 | 38,727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,513,845,000 | 2,413,811,000 | 2,503,533,000 | 2,620,675,000 |
| Interest-bearing deposits | 1,716,585,000 | 1,683,573,000 | 1,732,490,000 | 1,855,149,000 |
| Noninterest-bearing deposits | 797,261,000 | 730,239,000 | 771,042,000 | 765,526,000 |
| Equity capital | 472,968,000 | 476,678,000 | 478,503,000 | 479,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 33,740,000 | 69,439,000 | 105,526,000 | 142,342,000 |
| Interest expense | 4,111,000 | 8,145,000 | 12,213,000 | 16,408,000 |
| Net interest income | 29,629,000 | 61,294,000 | 93,313,000 | 125,934,000 |
| Noninterest income | 23,078,000 | 32,377,000 | 40,461,000 | 48,172,000 |
| Noninterest expense | 31,371,000 | 58,636,000 | 87,084,000 | 113,967,000 |
| Provision for loan losses | 185,000 | 1,089,000 | 3,322,000 | 5,396,000 |
| Pretax income | 21,151,000 | 34,034,000 | 43,456,000 | 54,831,000 |
| Income tax | 7,177,000 | 11,553,000 | 14,924,000 | 18,951,000 |
| Net income | 13,974,000 | 22,481,000 | 28,532,000 | 35,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 457,823,000 | 462,101,000 | 463,920,000 | 467,084,000 |
| Total capital | 482,454,000 | 487,349,000 | 490,879,000 | 494,575,000 |
| Risk-weighted assets | 2,860,149,000 | 2,968,235,000 | 3,016,030,000 | 3,067,821,000 |