REPUBLIC BANCORP INC KY
For the period ended Apr 25, 2024. Filed Apr 25, 2024.
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Apr 25, 2024 · Filed Apr 25, 2024
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RBCAA$90.91-0.2%Stored close · as of Nov 6, 2026
Contents
EX-99.2 · LOAN COMPOSITION
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Composition and Allowance for Credit Losses on Loans · · · · · · · · · · · · · · · · · · · · | ||||||||||||||||||||||||||
| · · As of · · · · Change · · · · Change · | ||||||||||||||||||||||||||
| · Mar. 31, 2024 · Dec. 31, 2023 · Sep. 30, 2023 · Jun. 30, 2023 · Mar. 31, 2023 · · From Dec. 31,2023 · · · From Mar. 31, 2023 · | ||||||||||||||||||||||||||
| Loan Composition | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Traditional Banking: | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Residential real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Owner occupied | | $1,064,071 | | $1,144,684 | | $1,128,745 | | $1,086,751 | | $972,214 | | | | $(80,613) | | | | $91,857 | | |||||||
| Nonowner occupied | | 342,481 | | 345,965 | | 344,682 | | 350,390 | | 328,529 | | | | (3,484) | | | | 13,952 | | |||||||
| Commercial real estate | | 1,800,801 | | 1,785,289 | | 1,745,187 | | 1,727,092 | | 1,682,573 | | | | 15,512 | | | | 118,228 | | |||||||
| Construction & land development | | 237,998 | | 217,338 | | 189,756 | | 179,479 | | 167,829 | | | | 20,660 | | | | 70,169 | | |||||||
| Commercial & industrial | | 453,971 | | 464,078 | | 473,790 | | 478,759 | | 478,101 | | | | (10,107) | | | | (24,130) | | |||||||
| Lease financing receivables | | 88,272 | | 88,591 | | 85,242 | | 79,804 | | 73,270 | | | | (319) | | | | 15,002 | | |||||||
| Aircraft | | | 246,060 | | | 250,051 | | | 226,947 | | | 208,512 | | | 184,344 | | | | | (3,991) | | | | | 61,716 | |
| Home equity | | 309,083 | | 295,133 | | 275,750 | | 255,755 | | 250,050 | | | | 13,950 | | | | 59,033 | | |||||||
| Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Credit cards | | 16,858 | | 16,654 | | 16,950 | | 17,134 | | 16,775 | | | | 204 | | | | 83 | | |||||||
| Overdrafts | | 629 | | 694 | | 640 | | 706 | | 775 | | | | (65) | | | | (146) | | |||||||
| Automobile loans | | 2,054 | | 2,664 | | 3,380 | | 4,177 | | 5,267 | | | | (610) | | | | (3,213) | | |||||||
| Other consumer | | 11,372 | | 7,428 | | 5,674 | | 6,109 | | 5,450 | | | | 3,944 | | | | 5,922 | | |||||||
| Total Traditional Banking | | | 4,573,650 | | | 4,618,569 | | | 4,496,743 | | | 4,394,668 | | | 4,165,177 | | | | | (44,919) | | | | | 408,473 | |
| Warehouse lines of credit | | 463,249 | | 339,723 | | 457,033 | | 539,560 | | 457,365 | | | | 123,526 | | | | 5,884 | | |||||||
| Total Core Banking | | | 5,036,899 | | | 4,958,292 | | | 4,953,776 | | | 4,934,228 | | | 4,622,542 | | | | | 78,607 | | | | | 414,357 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Republic Processing Group: | | | | | | | | | | | | | | | | | | | | |||||||
| Tax Refund Solutions: | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Refund Advances | | | 52,101 | | | 103,115 | | | — | | | — | | | 31,665 | | | | | (51,014) | | | | | 20,436 | |
| Other TRS commercial & industrial loans | | | 5,396 | | | 46,092 | | | 354 | | | 193 | | | 8,327 | | | | | (40,696) | | | | | (2,931) | |
| Republic Credit Solutions | | | 129,896 | | | 132,362 | | | 126,969 | | | 118,721 | | | 111,700 | | | | | (2,466) | | | | | 18,196 | |
| Total Republic Processing Group | | | 187,393 | | | 281,569 | | | 127,323 | | | 118,914 | | | 151,692 | | | | | (94,176) | | | | | 35,701 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Total loans - Total Company | | $5,224,292 | | $5,239,861 | | $5,081,099 | | $5,053,142 | | $4,774,234 | | | | $(15,569) | | | | $450,058 | | |||||||
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