| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 89,675 | 88,940 | 118,857 | 90,594 |
| Taxable investment securities | 7,698 | 5,778 | 4,557 | 4,167 |
| Federal home loan bank stock and other | 5,866 | 7,485 | 6,424 | 6,785 |
| Total interest income | 103,239 | 102,203 | 129,838 | 101,546 |
| Deposits | 22,094 | 21,850 | 21,378 | 25,802 |
| Securities sold under agreements to repurchase and other short-term borrowings | 116 | 140 | 137 | 141 |
| Federal home loan bank advances | 4,059 | 4,011 | 5,635 | 4,298 |
| Total interest expense | 26,269 | 26,001 | 27,150 | 30,241 |
| Net interest income | 76,970 | 76,202 | 102,688 | 71,305 |
| Provision for expected credit loss expense on loans | 2,023 | 1,823 | 17,672 | 5,660 |
| Net interest income after provision | 74,947 | 74,379 | 85,016 | 65,645 |
| Revenue-Financial Service Other | - | 1,257 | - | - |
| Revenue-Gain Loss On Other Real Estate Owned | - | -53 | - | - |
| Revenue-Deposit Account | 3,646 | 3,505 | - | - |
| Revenue-Transfer Agent | 1,117 | 2,567 | - | - |
| Revenue under 606 | - | - | 22,628 | 8,963 |
| Mortgage banking income | 2,064 | 1,896 | 1,821 | 2,062 |
| Revenue-Credit And Debit Card | 3,030 | 3,200 | - | - |
| Gain on sale of visa class b-1 shares | - | - | 4,090 | - |
| Program fees | 4,888 | 4,451 | 3,822 | 4,962 |
| Increase in cash surrender value of bank owned life insurance | 1,035 | 821 | 793 | 826 |
| Revenue-Gain Loss On Other Real Estate Owned | -52 | - | - | - |
| Revenue-Financial Service Other | 840 | - | - | - |
| Total noninterest income | 16,568 | 17,644 | 33,154 | 16,813 |
| Salaries and employee benefits | 31,027 | 30,801 | 31,069 | 28,792 |
| Technology, equipment, and communication | 8,710 | 8,684 | 8,643 | 7,544 |
| Occupancy | 3,547 | 3,391 | 3,564 | 3,224 |
| Marketing and development | 2,668 | 1,243 | 1,387 | 1,983 |
| Fdic insurance expense | 763 | 731 | 819 | 764 |
| Interchange related expense | 1,640 | 1,488 | 1,636 | 1,540 |
| Legal and professional fees | 1,100 | 666 | 1,118 | 870 |
| Core conversion and contract consulting fees | 97 | 182 | 5,714 | - |
| Other | 4,201 | 4,447 | 4,258 | 3,892 |
| Total noninterest expense | 53,753 | 51,633 | 58,208 | 48,609 |
| Income before income tax expense | 37,762 | 40,390 | 59,962 | 33,849 |
| Income tax expense | 8,018 | 8,906 | 12,694 | 7,306 |
| Net income | 29,744 | 31,484 | 47,268 | 26,543 |
| Basic eps | - | - | 2.43 | 1.37 |
| Diluted eps | - | - | 2.42 | 1.37 |
| Basic average shares | - | - | 17,561,000 | 17,504,000 |
| Earnings per share, basic | 1.53 | - | - | - |
| Earnings per share, diluted | 1.52 | - | - | - |
| Weighted average number of shares outstanding, basic | 17,583,000 | - | - | - |
| Weighted average number of shares outstanding, diluted | 19,791,000 | 19,784,000 | 19,797,000 | 19,735,000 |
REPUBLIC BANCORP INC KY (RBCAA)
REPUBLIC BANCORP INC KY (RBCAA)