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Income Statement
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Balance Sheet
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Income Overview
Net Income
$29,744K
EPS
$1.52
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-12-31
Loans, including fees
89,675
88,940
118,857
121,342*
Taxable investment securities
7,698
5,778
4,557
4,328*
Federal home loan bank stock and other
5,866
7,485
6,424
8,450*
Total interest income
103,239
102,203
129,838
134,119*
Deposits
22,094
21,850
21,378
24,734*
Securities sold under agreements to repurchase and other short-term borrowings
116
140
137
137*
Federal home loan bank advances
4,059
4,011
5,635
6,855*
Total interest expense
26,269
26,001
27,150
31,725*
Net interest income
76,970
76,202
102,688
102,394*
Provision for expected credit loss expense on loans
2,023
1,823
17,672
38,172*
Net interest income after provision
74,947
74,379
85,016
64,222*
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
-
-
Mortgage banking income
2,064
1,896
1,821
-73*
Revenue-Credit And Debit Card
3,030
3,200
-
-
Revenue under 606
-
-
22,628
15,426*
Gain on sale of visa class b-1 shares
-
-
4,090
-
Program fees
4,888
4,451
3,822
3,778*
Increase in cash surrender value of bank owned life insurance
1,035
821
793
781*
Revenue-Gain Loss On Other Real Estate Owned
-52
-
-
-
Revenue-Financial Service Other
840
-
-
-
Total noninterest income
16,568
17,644
33,154
19,912*
Salaries and employee benefits
31,027
30,801
31,069
31,779*
Technology, equipment, and communication
8,710
8,684
8,643
8,364*
Occupancy
3,547
3,391
3,564
3,907*
Marketing and development
2,668
1,243
1,387
2,407*
Fdic insurance expense
763
731
819
744*
Merger expense
-
-
-
10*
Interchange related expense
1,640
1,488
1,636
1,417*
Legal and professional fees
1,100
666
1,118
1,029*
Core conversion and contract consulting fees
97
182
5,714
-
Other
4,201
4,447
4,258
5,705*
Total noninterest expense
53,753
51,633
58,208
55,361*
Income before income tax expense
37,762
40,390
59,962
28,773*
Income tax expense
8,018
8,906
12,694
5,025*
Net income
29,744
31,484
47,268
23,748
Basic EPS
1.53
-
2.43
1.356
Diluted EPS
1.52
-
2.42
1.202
Basic Average Shares
17,583,000
-
17,561,000
17,510,000
Diluted Average Shares
19,791,000
19,784,000
19,797,000
19,759,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$89,675K
(-1.01%↓ Y/Y)
Taxable investment
securities
$7,698K
(84.74%↑ Y/Y)
Federal home loan bank
stock and other
$5,866K
(-13.54%↓ Y/Y)
Total interest income
$103,239K
(1.67%↑ Y/Y)
Net interest income
$76,970K
(7.94%↑ Y/Y)
Program fees
$4,888K
(-1.49%↓ Y/Y)
Revenue-Deposit Account
$3,646K
Revenue-Credit And Debit Card
$3,030K
Mortgage banking income
$2,064K
(0.10%↑ Y/Y)
Revenue-Transfer Agent
$1,117K
Increase in cash
surrender value of bank...
$1,035K
(25.30%↑ Y/Y)
Revenue-Financial Service Other
$840K
Total interest
expense
$26,269K
(-13.13%↓ Y/Y)
Net interest income
after provision
$74,947K
(14.17%↑ Y/Y)
Total noninterest
income
$16,568K
(-1.46%↓ Y/Y)
Provision for expected
credit loss expense on...
$2,023K
(-64.26%↓ Y/Y)
Revenue-Gain Loss On Other
Real Estate Owned
-$52K
Deposits
$22,094K
(-14.37%↓ Y/Y)
Federal home loan bank
advances
$4,059K
(-5.56%↓ Y/Y)
Securities sold under
agreements to repurchase...
$116K
(-17.73%↓ Y/Y)
Income before income
tax expense
$37,762K
(11.56%↑ Y/Y)
Total noninterest
expense
$53,753K
(10.58%↑ Y/Y)
Net income
$29,744K
(12.06%↑ Y/Y)
Income tax expense
$8,018K
(9.75%↑ Y/Y)
Salaries and employee
benefits
$31,027K
(7.76%↑ Y/Y)
Technology, equipment, and
communication
$8,710K
(15.46%↑ Y/Y)
Other
$4,201K
(7.94%↑ Y/Y)
Occupancy
$3,547K
(10.02%↑ Y/Y)
Marketing and development
$2,668K
(34.54%↑ Y/Y)
Interchange related expense
$1,640K
(6.49%↑ Y/Y)
Legal and
professional fees
$1,100K
(26.44%↑ Y/Y)
Fdic insurance
expense
$763K
(-0.13%↓ Y/Y)
Core conversion and
contract consulting fees
$97K
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REPUBLIC BANCORP INC KY (RBCAA)
REPUBLIC BANCORP INC KY (RBCAA)