Republic Bank & Trust

Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 5,722,033 5,620,319 5,240,404 5,085,362 4,816,309
Total Net Loans 4,500,072 4,421,268 4,125,361 3,988,254 3,793,028
Total Deposits 4,071,457 3,786,008 3,456,145 3,433,158 3,160,692
Equity Attributable to Parent Company 784,046 764,244 689,934 632,051 604,406
Total Equity 784,046 764,244 689,934 632,051 604,406
Profitability (%)
Net Income($000) 26,697 91,699 77,852 45,632 45,903
Net Income Attributable to Parent($000) 26,697 91,699 77,852 45,632 45,903
ROAA 1.90 1.64 1.52 0.95 1.02
Core ROAA 1.86 1.53 1.52 1.08 1.05
ROAE 13.71 12.49 11.67 7.26 7.68
ROATCE 14.03 12.80 12 7.49 7.89
Core ROAE 13.43 11.62 11.71 8.31 7.92
Net Interest Margin 5.57 4.46 4.62 4.32 3.65
Reported: Net Interest Margin 5.57 4.46 4.62 4.32 3.65
Efficiency Ratio 45.73 56.77 56.62 58.75 59.74
Noninterest Inc/ Operating Rev 29.08 21.91 21.75 22.86 26.84
Balance Sheet Ratios (%)
Loans/ Deposits 110.91 117.09 120.02 116.92 120.57
Securities/ Assets 12.17 10.83 11.35 12.30 11.69
Total Equity/ Total Assets 13.70 13.60 13.17 12.43 12.55
Tangible Equity/ Tangible Assets 13.45 13.34 12.88 12.13 12.23
Tang Common Equity/ Tang Assets 13.45 13.34 12.88 12.13 12.23
Asset Quality (%)
NPAs/ Assets 0.74 0.79 0.78 0.84 1.02
NPA Excl Restructured/ Assets 0.36 0.42 0.31 0.28 0.36
NPAs & 90+ PD/ Assets 0.75 0.79 0.78 0.85 1.02
NPAs/ Loans & REO 0.93 0.99 0.98 1.05 1.28
Nonaccrual & 90+ & OREO/ Assets 0.37 0.42 0.31 0.30 0.36
NPAs & 90+ PD/ Loans & REO 0.94 1 0.98 1.08 1.28
NPA & Loans 90+/ Tangible Common Equity + LLR 5.11 5.63 5.71 6.61 7.93
NCOs/ Avg Loans 0.19 0.61 0.72 0.47 0.25
Loan Loss Reserves/ Gross Loans 1.54 0.97 1.07 1.06 0.86
Reserves/ NPAs 166.33 97.73 109.33 100.61 67.17
Loan Loss Provision/ NCO NM 95.11 106.47 155.16 159.90
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 766,032 742,636 673,052 612,315 584,530
Tier 1 Capital($000) 806,032 782,636 713,052 651,600 622,988
Tier 2 Capital($000) 58,812 43,351 44,675 42,769 32,920
Total Capital($000) 864,844 825,987 757,727 694,369 655,908
Total Risk-weighted Assets($000) 4,990,753 4,856,573 4,511,384 4,327,700 4,006,523
Tier 1 Common Capital (CET1) Ratio(%) 15.35 15.29 14.92 14.15 14.59
Tier 1 Ratio(%) 16.15 16.11 15.81 15.06 15.55
Total Capital Ratio(%) 17.33 17.01 16.80 16.04 16.37
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.35 13.93 14.11 13.21 13.54
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 20,886,804 20,942,857 20,887,749 20,848,962 20,859,972
Avg Diluted Shares(actual) 21,094,000 21,135,000 21,065,000 21,007,000 20,954,000
Basic Book Value per Share 37.54 36.49 33.03 30.32 28.97
Book Value per Share, As Reported 37.54 36.49 33.03 30.31 28.97
Basic Tangible Book Value per Share 36.74 35.69 32.22 29.49 28.14
Tangible Book Value per Share, As Reported 36.45 35.41 31.98 29.25 27.89
Common Dividends Declared per Share 0.29 1.06 0.97 0.87 0.83
EPS after Extra 1.28 4.39 3.74 2.20 2.22
EPS after Extra Growth(%) (9.20) 17.40 70 (0.90) 30.60
Core EPS 1.25 4.09 3.75 2.52 2.29
Core EPS Growth(%) (10.50) 8.90 49.10 9.90 34.90
Diluted EPS before Amortization 1.28 4.40 3.75 2.21 2.23
Pre-Provision Earnings per Share 2.11 4.94 4.77 3.33 2.69
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.