REPUBLIC BANCORP INC KY (RBCAA)
2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | |
|---|---|---|---|---|
| Revenue-Gain Loss On Other Real Estate Owned | -53 | - | - | - |
| Revenue-Transfer Agent | 2,567 | - | - | - |
| Revenue-Financial Service Other | 1,257 | - | - | - |
| Revenue-Deposit Account | 3,505 | - | - | - |
| Revenue-Credit And Debit Card | 3,200 | - | - | - |
| Increase in cash surrender value of bank owned life insurance | 821 | 793 | 826 | 792 |
| Mortgage banking income | 1,896 | 1,821 | 2,062 | 1,612 |
| Program fees | 4,451 | 3,822 | 4,962 | 4,398 |
| Gain on sale of visa class b-1 shares | - | 4,090 | - | - |
| Revenue under 606 | - | 22,628 | 8,963 | 10,688 |
| Total noninterest income | 17,644 | 33,154 | 16,813 | 18,346 |
| Legal and professional fees | 666 | 1,118 | 870 | 770 |
| Other | 4,447 | 4,258 | 3,892 | 4,107 |
| Occupancy | 3,391 | 3,564 | 3,224 | 3,409 |
| Marketing and development | 1,243 | 1,387 | 1,983 | 2,705 |
| Salaries and employee benefits | 30,801 | 31,069 | 28,792 | 29,143 |
| Fdic insurance expense | 731 | 819 | 764 | 748 |
| Technology, equipment, and communication | 8,684 | 8,643 | 7,544 | 7,340 |
| Core conversion and contract consulting fees | 182 | 5,714 | - | - |
| Interchange related expense | 1,488 | 1,636 | 1,540 | 1,412 |
| Total noninterest expense | 51,633 | 58,208 | 48,609 | 49,634 |
| Provision for expected credit loss expense on loans | 1,823 | 17,672 | 5,660 | 5,143 |
| Securities sold under agreements to repurchase and other short-term borrowings | 140 | 137 | 141 | 132 |
| Federal home loan bank advances | 4,011 | 5,635 | 4,298 | 3,259 |
| Deposits | 21,850 | 21,378 | 25,802 | 25,773 |
| Total interest expense | 26,001 | 27,150 | 30,241 | 29,164 |
| Taxable investment securities | 5,778 | 4,557 | 4,167 | 4,528 |
| Loans, including fees | 88,940 | 118,857 | 90,594 | 87,222 |
| Federal home loan bank stock and other | 7,485 | 6,424 | 6,785 | 5,950 |
| Total interest income | 102,203 | 129,838 | 101,546 | 97,700 |
| Net interest income | 76,202 | 102,688 | 71,305 | 68,536 |
| Net interest income after provision | 74,379 | 85,016 | 65,645 | 63,393 |
| Income before income tax expense | 40,390 | 59,962 | 33,849 | 32,105 |
| Income tax expense | 8,906 | 12,694 | 7,306 | 6,899 |
| Net income | 31,484 | 47,268 | 26,543 | 25,206 |
| Basic eps | - | 2.43 | 1.37 | 1.31 |
| Diluted eps | - | 2.42 | 1.37 | 1.3 |
| Basic average shares | - | 17,561,000 | 17,504,000 | 17,483,000 |
| Weighted average number of shares outstanding, diluted | 19,784,000 | 19,797,000 | 19,735,000 | 19,714,000 |