Call reports 2005
REPUBLIC BANK & TRUST — 2005
What REPUBLIC BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 211,784,000 | 219,149,000 | 224,003,000 | 241,563,000 |
| Total loans | 162,788,000 | 171,232,000 | 181,863,000 | 196,208,000 |
| Allowance for loan losses | 1,454,000 | 1,508,000 | 1,362,000 | 1,378,000 |
| Securities available for sale | 14,399,000 | 14,718,000 | 11,582,000 | 5,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,084,000 | 194,158,000 | 203,924,000 | 220,905,000 |
| Interest-bearing deposits | 140,336,000 | 136,082,000 | 147,980,000 | 159,192,000 |
| Noninterest-bearing deposits | 52,748,000 | 58,076,000 | 55,944,000 | 61,713,000 |
| Equity capital | 18,246,000 | 18,708,000 | 19,232,000 | 19,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,660,000 | 5,585,000 | 8,728,000 | 12,221,000 |
| Interest expense | 561,000 | 1,288,000 | 2,238,000 | 3,374,000 |
| Net interest income | 2,099,000 | 4,297,000 | 6,490,000 | 8,847,000 |
| Noninterest income | 850,000 | 1,861,000 | 2,996,000 | 4,212,000 |
| Noninterest expense | 2,201,000 | 4,493,000 | 6,865,000 | 9,488,000 |
| Provision for loan losses | 82,000 | 165,000 | 245,000 | 352,000 |
| Pretax income | 589,000 | 1,423,000 | 2,342,000 | 3,160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,423,000 | 2,342,000 | 3,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,324,000 | 18,649,000 | 19,298,000 | 19,642,000 |
| Total capital | 19,778,000 | 20,157,000 | 20,660,000 | 21,020,000 |
| Risk-weighted assets | 175,361,000 | 185,269,000 | 193,867,000 | 208,492,000 |