REPUBLIC BANCORP INC /KY/

For the period ended Jul 18, 2025. Filed Jul 18, 2025.

About this filing

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 18, 2025 · Filed Jul 18, 2025

Use the contents to explore the available documents and sections.

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

See the whole filing, with its images and exhibits

Contents

EX-99.2 · INCOME STATEMENT DATA

Income Statement Data
· · Three Months Ended · · · Six Months Ended
· · Jun. 30, 2025 · · Mar. 31, 2025 · · Dec. 31, 2024 · · Sep. 30, 2024 · · Jun. 30, 2024 · · · Jun. 30, 2025 · · Jun. 30, 2024

Total interest income (1)	$102,203	$129,838	$103,108	$101,546	$97,700	$232,041	$228,332
Total interest expense	26,001	27,150	27,714	30,241	29,164	53,151	62,877
Net interest income	76,202	102,688	75,394	71,305	68,536	178,890	165,455

Provision (2)	1,823	17,672	12,951	5,660	5,143	19,495	35,765

Noninterest income:
Service charges on deposit accounts	3,505	3,460	3,654	3,693	3,526	6,965	6,839
Net refund transfer fees	2,567	13,893	143	582	3,811	16,460	14,631
Mortgage banking income (3)	1,896	1,821	1,454	2,062	1,612	3,717	1,922
Interchange fee income	3,200	3,077	3,173	3,286	3,351	6,277	6,508
Program fees (3)	4,451	3,822	4,279	4,962	4,398	8,273	8,577
Increase in cash surrender value of BOLI	821	793	836	826	792	1,614	1,546
Net losses on OREO	(53)	(53)	(52)	(53)	(48)	(106)	(101)
Gain on sale of Visa Class B-1 shares	—	4,090	—	—	—	4,090	—
Other (3)	1,257	2,251	631	1,455	904	3,508	1,797
Total noninterest income	17,644	33,154	14,118	16,813	18,346	50,798	41,719

Noninterest expense:
Salaries and employee benefits	30,801	31,069	30,999	28,792	29,143	61,870	58,859
Technology, equipment, and communication	8,684	8,643	8,316	7,544	7,340	17,327	14,830
Occupancy	3,391	3,564	3,401	3,224	3,409	6,955	7,231
Marketing and development	1,243	1,387	2,827	1,983	2,705	2,630	4,629
FDIC insurance expense	731	819	728	764	748	1,550	1,520
Interchange related expense	1,488	1,636	1,595	1,540	1,412	3,124	2,710
Legal and professional fees	666	1,118	794	870	770	1,784	1,825
Core conversion and contract consulting fees	182	5,714	—	—	—	5,896	—
Merger expense	—	—	—	—	—	—	41
Other (2)	4,447	4,258	4,851	3,892	4,107	8,705	8,960
Total noninterest expense	51,633	58,208	53,511	48,609	49,634	109,841	100,605

Income before income tax expense	40,390	59,962	23,050	33,849	32,105	100,352	70,804
Income tax expense	8,906	12,694	4,034	7,306	6,899	21,600	14,992

Net income	$31,484	$47,268	$19,016	$26,543	$25,206	$78,752	$55,812

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.