Call reports 2025
REPUBLIC BANK & TRUST COMPANY — 2025
What REPUBLIC BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 7,068,101,000 | 6,965,199,000 | 7,009,295,000 | 7,038,402,000 |
| Total loans | 5,331,179,000 | 5,409,942,000 | 5,321,744,000 | 5,563,811,000 |
| Allowance for loan losses | 106,303,000 | 81,760,000 | 79,865,000 | 85,352,000 |
| Securities available for sale | 604,855,000 | 701,641,000 | 839,100,000 | 880,632,000 |
| Securities held to maturity | 5,612,000 | 5,434,000 | 5,109,000 | 4,944,000 |
| Trading assets | 6,694,000 | 6,759,000 | 6,651,000 | 6,285,000 |
| Total deposits | 5,463,852,000 | 5,379,214,000 | 5,403,728,000 | 5,271,632,000 |
| Interest-bearing deposits | 4,014,726,000 | 4,082,391,000 | 4,088,528,000 | 4,019,540,000 |
| Noninterest-bearing deposits | 1,449,126,000 | 1,296,823,000 | 1,315,200,000 | 1,252,092,000 |
| Equity capital | 978,478,000 | 1,001,407,000 | 1,022,550,000 | 1,037,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 129,734,000 | 231,838,000 | 334,985,000 | 438,129,000 |
| Interest expense | 27,152,000 | 53,156,000 | 79,428,000 | 103,855,000 |
| Net interest income | 102,582,000 | 178,682,000 | 255,557,000 | 334,274,000 |
| Noninterest income | 33,293,000 | 51,001,000 | 67,538,000 | 82,929,000 |
| Noninterest expense | 58,076,000 | 109,293,000 | 162,812,000 | 219,193,000 |
| Provision for loan losses | 17,672,000 | 19,495,000 | 21,518,000 | 31,597,000 |
| Pretax income | 60,108,000 | 100,884,000 | 138,774,000 | 166,452,000 |
| Income tax | 12,734,000 | 21,731,000 | 29,780,000 | 34,604,000 |
| Net income | 47,374,000 | 79,153,000 | 108,994,000 | 131,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 947,449,000 | 968,413,000 | 987,230,000 | 999,248,000 |
| Total capital | 1,023,378,000 | 1,045,586,000 | 1,064,434,000 | 1,079,675,000 |
| Risk-weighted assets | 6,042,688,000 | 6,167,973,000 | 6,172,147,000 | 6,427,759,000 |