For the quarter ending 2025-09-30, RBCAA made $199,881K in revenue. $29,744K in net income. Net profit margin of 14.88%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 89,675 | 88,940 | 118,857 | 105,124 |
| Taxable investment securities | 7,698 | 5,778 | 4,557 | 4,338 |
| Federal home loan bank stock and other | 5,866 | 7,485 | 6,424 | 7,409 |
| Total interest income | 103,239 | 102,203 | 129,838 | 116,870 |
| Deposits | 22,094 | 21,850 | 21,378 | 25,261 |
| 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 | 5,317 |
| Total interest expense | 26,269 | 26,001 | 27,150 | 30,714 |
| Net interest income | 76,970 | 76,202 | 102,688 | 86,157 |
| Provision for expected credit loss expense on loans | 2,023 | 1,823 | 17,672 | 21,787 |
| Net interest income after provision | 74,947 | 74,379 | 85,016 | 64,370 |
| 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 | 882 |
| Revenue-Credit And Debit Card | 3,030 | 3,200 | - | - |
| Revenue under 606 | - | - | 22,628 | 13,268 |
| Gain on sale of visa class b-1 shares | - | - | 4,090 | - |
| Program fees | 4,888 | 4,451 | 3,822 | 4,229 |
| Increase in cash surrender value of bank owned life insurance | 1,035 | 821 | 793 | 795 |
| Revenue-Gain Loss On Other Real Estate Owned | -52 | - | - | - |
| Revenue-Financial Service Other | 840 | - | - | - |
| Total noninterest income | 16,568 | 17,644 | 33,154 | 18,746 |
| Salaries and employee benefits | 31,027 | 30,801 | 31,069 | 30,358 |
| Technology, equipment, and communication | 8,710 | 8,684 | 8,643 | 7,903 |
| Occupancy | 3,547 | 3,391 | 3,564 | 3,612 |
| Marketing and development | 2,668 | 1,243 | 1,387 | 2,376 |
| Fdic insurance expense | 763 | 731 | 819 | 750 |
| Merger expense | - | - | - | 10 |
| Interchange related expense | 1,640 | 1,488 | 1,636 | 1,447 |
| Legal and professional fees | 1,100 | 666 | 1,118 | 925 |
| Core conversion and contract consulting fees | 97 | 182 | 5,714 | - |
| Other | 4,201 | 4,447 | 4,258 | 4,852 |
| Total noninterest expense | 53,753 | 51,633 | 58,208 | 52,241 |
| Income before income tax expense | 37,762 | 40,390 | 59,962 | 30,875 |
| Income tax expense | 8,018 | 8,906 | 12,694 | 6,064 |
| Net income | 29,744 | 31,484 | 47,268 | 24,811 |
| Basic eps | - | - | 2.43 | 1.28 |
| Diluted eps | - | - | 2.42 | 1.27 |
| Basic average shares | - | - | 17,561,000 | -8,744,000 |
| 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 | -9,856,500 |
REPUBLIC BANCORP INC KY (RBCAA)
REPUBLIC BANCORP INC KY (RBCAA)