REPUBLIC BANCORP INC KY

For the period ended Jul 19, 2024. Filed Jul 19, 2024.

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A notice of a major event between regular reports, such as results, a deal or a change of executives. It is often the first formal record of the news.

Jul 19, 2024 · Filed Jul 19, 2024

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RBCAA$90.91-0.2%Stored close · as of Nov 6, 2026

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Contents

EX-99.2 · LOAN COMPOSITION


Loan Composition and Allowance for Credit Losses on Loans · · · · · · · · · · · · · · · · · · · ·
· · As of · · · · Change · · · · Change ·
· Jun. 30, 2024 · Mar. 31, 2024 · Dec. 31, 2023 · Sep. 30, 2023 · Jun. 30, 2023 · · From Dec. 31,2023 · · · From Jun. 30, 2023 ·
Loan Composition

Traditional Banking:
Residential real estate:
Owner occupied	$1,058,139	$1,064,071	$1,144,684	$1,128,745	$1,086,751	$(86,545)	$(28,612)
Nonowner occupied	331,954	342,481	345,965	344,682	350,390	(14,011)	(18,436)
Commercial real estate	1,821,798	1,800,801	1,785,289	1,745,187	1,727,092	36,509	94,706
Construction & land development	239,615	237,998	217,338	189,756	179,479	22,277	60,136
Commercial & industrial	452,815	453,971	464,078	473,790	478,759	(11,263)	(25,944)
Lease financing receivables	88,529	88,272	88,591	85,242	79,804	(62)	8,725
Aircraft	240,275	246,060	250,051	226,947	208,512	(9,776)	31,763
Home equity	325,086	309,083	295,133	275,750	255,755	29,953	69,331
Consumer:
Credit cards	16,547	16,858	16,654	16,950	17,134	(107)	(587)
Overdrafts	746	629	694	640	706	52	40
Automobile loans	1,599	2,054	2,664	3,380	4,177	(1,065)	(2,578)
Other consumer	12,064	11,372	7,428	5,674	6,109	4,636	5,955
Total Traditional Banking	4,589,167	4,573,650	4,618,569	4,496,743	4,394,668	(29,402)	194,499
Warehouse lines of credit	549,011	463,249	339,723	457,033	539,560	209,288	9,451
Total Core Banking	5,138,178	5,036,899	4,958,292	4,953,776	4,934,228	179,886	203,950

Republic Processing Group:
Tax Refund Solutions:
Refund Advances	—	52,101	103,115	—	—	(103,115)	—
Other TRS commercial & industrial loans	92	5,396	46,092	354	193	(46,000)	(101)
Republic Credit Solutions	126,000	129,896	132,362	126,969	118,721	(6,362)	7,279
Total Republic Processing Group	126,092	187,393	281,569	127,323	118,914	(155,477)	7,178

Total loans - Total Company	$5,264,270	$5,224,292	$5,239,861	$5,081,099	$5,053,142	$24,409	$211,128

Allowance for Credit Losses on Loans ("Allowance")

Traditional Banking	$59,865	$59,176	$58,998	$56,931	$55,567	$867	$4,298
Warehouse Lending	1,370	1,156	847	1,143	1,346	523	24
Total Core Banking	61,235	60,332	59,845	58,074	56,913	1,390	4,322

Tax Refund Solutions	—	30,069	3,990	1	—	(3,990)	—
Republic Credit Solutions	19,452	18,301	18,295	16,501	15,289	1,157	4,163
Total Republic Processing Group	19,452	48,370	22,285	16,502	15,289	(2,833)	4,163

Total Allowance - Total Company	$80,687	$108,702	$82,130	$74,576	$72,202	$(1,443)	$8,485

Allowance to Total Loans

Traditional Banking	1.30%	1.29%	1.28%	1.27%	1.26%	0.02%	0.04%
Warehouse Lending	0.25	0.25	0.25	0.25	0.25	—	—
Total Core Banking	1.19	1.20	1.21	1.17	1.15	(0.02)	0.04

Tax Refund Solutions	—	52.30	2.67	0.28	—	(2.67)	—
Republic Credit Solutions	15.44	14.09	13.82	13.00	12.88	1.62	2.56
Total Republic Processing Group	15.43	25.81	7.91	12.96	12.86	7.52	2.57

Total Company	1.53	2.08	1.57	1.47	1.43	(0.04)	0.10

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.