REPUBLIC BANCORP INC /KY/
For the period ended Apr 24, 2025. Filed Apr 24, 2025.
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Apr 24, 2025 · Filed Apr 24, 2025
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RBCAA$90.91-0.2%Stored close · as of Nov 6, 2026
Contents
EX-99.2 · SELECTED DATA AND RATIOS
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| Selected Data and Ratios | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| · · As of and for the Three Months Ended · · · As of and for the Three Months Ended | |||||||||||||||||||||||||||||
| · · Mar. 31, 2025 · · Dec. 31, 2024 · · Sep. 30, 2024 · · Jun. 30, 2024 · · Mar. 31, 2024 · · · Mar. 31, 2025 · · Mar. 31, 2024 | |||||||||||||||||||||||||||||
| Per Share Data: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Basic weighted average shares outstanding | | | 19,711 | | | | 19,672 | | | | 19,654 | | | | 19,633 | | | | 19,607 | | | | | 19,711 | | | | 19,607 | |
| Diluted weighted average shares outstanding | | | 19,797 | | | | 19,778 | | | | 19,735 | | | | 19,714 | | | | 19,694 | | | | | 19,797 | | | | 19,694 | |
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| Period-end shares outstanding: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Class A Common Stock | | | 17,368 | | | | 17,298 | | | | 17,293 | | | | 17,275 | | | | 17,260 | | | | | 17,368 | | | | 17,260 | |
| Class B Common Stock | | | 2,150 | | | | 2,150 | | | | 2,150 | | | | 2,150 | | | | 2,151 | | | | | 2,150 | | | | 2,151 | |
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| Book value per share (4) | | $52.98 | | | $51.01 | | | $50.39 | | | $49.19 | | | $48.20 | | | | $52.98 | | | $48.20 | | |||||||
| Tangible book value per share (4) | | | 50.46 | | | | 48.47 | | | | 47.84 | | | | 46.62 | | | | 45.63 | | | | | 50.46 | | | | 45.63 | |
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| Earnings per share ("EPS"): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Basic EPS - Class A Common Stock | | $2.43 | | | $0.99 | | | $1.37 | | | $1.31 | | | $1.59 | | | | $2.43 | | | $1.59 | | |||||||
| Basic EPS - Class B Common Stock | | | 2.21 | | | | 0.89 | | | | 1.25 | | | | 1.18 | | | | 1.44 | | | | | 2.21 | | | | 1.44 | |
| Diluted EPS - Class A Common Stock | | | 2.42 | | | | 0.98 | | | | 1.37 | | | | 1.30 | | | | 1.58 | | | | | 2.42 | | | | 1.58 | |
| Diluted EPS - Class B Common Stock | | | 2.20 | | | | 0.89 | | | | 1.24 | | | | 1.18 | | | | 1.43 | | | | | 2.20 | | | | 1.43 | |
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| Cash dividends declared per Common share: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Class A Common Stock | | $0.451 | | | $0.407 | | | $0.407 | | | $0.407 | | | $0.407 | | | | $0.451 | | | $0.407 | | |||||||
| Class B Common Stock | | | 0.410 | | | | 0.370 | | | | 0.370 | | | | 0.370 | | | | 0.370 | | | | | 0.410 | | | | 0.370 | |
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| Performance Ratios: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Return on average assets | | | 2.61% | | | 1.10% | | | 1.58% | | | 1.50% | | | 1.70% | | | | 2.61% | | | 1.70% | |||||||
| Return on average equity | | | 18.74 | | | | 7.63 | | | | 10.88 | | | | 10.57 | | | | 13.12 | | | | | 18.74 | | | | 13.12 | |
| Efficiency ratio (5) | | | 40.3 | | | | 59.8 | | | | 55.2 | | | | 57.1 | | | | 42.3 | | | | | 40.3 | | | | 42.3 | |
| Yield on average interest-earning assets (1) | | | 7.94 | | | | 6.32 | | | | 6.40 | | | | 6.21 | | | | 7.91 | | | | | 7.94 | | | | 7.91 | |
| Cost of average interest-bearing liabilities | | | 2.36 | | | | 2.49 | | | | 2.81 | | | | 2.77 | | | | 2.92 | | | | | 2.36 | | | | 2.92 | |
| Cost of average deposits (6) | | | 1.57 | | | | 1.79 | | | | 2.01 | | | | 1.98 | | | | 1.97 | | | | | 1.57 | | | | 1.97 | |
| Net interest spread (1) | | | 5.58 | | | | 3.83 | | | | 3.59 | | | | 3.44 | | | | 4.99 | | | | | 5.58 | | | | 4.99 | |
| Net interest margin - Total Company (1) | | | 6.28 | | | | 4.62 | | | | 4.49 | | | | 4.36 | | | | 5.87 | | | | | 6.28 | | | | 5.87 | |
| Net interest margin - Core Bank | | | 3.70 | | | | 3.64 | | | | 3.53 | | | | 3.46 | | | | 3.30 | | | | | 3.70 | | | | 3.30 | |
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| Other Information: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| End of period FTEs (7) - Total Company | | | 981 | | | | 989 | | | | 992 | | | | 999 | | | | 1,011 | | | | | 981 | | | | 1,011 | |
| End of period FTEs - Core Bank | | | 923 | | | | 933 | | | | 935 | | | | 943 | | | | 952 | | | | | 923 | | | | 952 | |
| Number of full-service banking centers | | | 47 | | | | 47 | | | | 47 | | | | 47 | | | | 47 | | | | | 47 | | | | 47 | |
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