Republic Bank in Port Richey, Florida (FL), OH
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Republic Bank in Port Richey, Florida (FL), OH
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Republic Bank - Overview

  • General
  • FDIC Certificate #: 35344
    Status: Active
    Federal Reserve ID: 2947800
    Bank Holding Company (Regulatory Top Holder): Republic Bancorp, Inc. (RSSDID: 1097025, Location: Louisville, KY)
    Date Established: October 11, 2000
    WWW: http://www.republicbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 16422
    FDIC's unique #: 78805
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 11, 2000
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 9037 U.S. Highway 19 North, Port Richey, FL 34668
    County: Pasco
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL (#8280)
    Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300)
    CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $112.9 mil
    Equity capital: $25.8 mil
    Deposits held in domestic offices: $86.3 mil
    Return on assets (ROA): 0.08% ($0.1 mil)
    Quarterly return on assets: 0.92% ($1.0 mil)
    Return on Equity (ROE): 0.36% ($0.1 mil)
    Quarterly return on equity: 4.10% ($1.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.10% ($112.9 mil)
    Quarterly Pretax return on assets: 1.42% ($1,603.7 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $112,938Total assets
  • $2,638Cash and due from depository institutions
  • $210Interest-bearing balances
  • $10,672Securities
  • $2,700Federal funds sold & reverse repurchase agreements
  • $79,502Net loans & leases
  • $1,899Loan loss allowance
  • $0Trading account assets
  • $4,426Bank premises and fixed assets
  • $992Other real estate owned
  • $10,226Goodwill and other intangibles
  • $112,939Life insurance assets
  • $1,782All other assets
  • $87,107Total liabilities and capital
  • $86,316Total liabilities
  • $72,225Total deposits
  • $86,316Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $791Subordinated debt
  • $25,832All other liabilities
  • $25,832Total equity capital
  • $25,832Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $23,519Surplus
  • $2,263Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,230Income earned, not collected on loans
  • $0Earning assets
  • $283Long-term assets (5+ years)
  • $93,084Average Assets, year-to-date
  • $15,914Average Assets, quarterly
  • $119,828Volatile liabilities
  • $115,294Insider loans
  • $80,252FHLB advances
  • $106,769Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,420Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,393Restructured Loans and leases
  • $1,852Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,497Total interest income
  • $724Total interest expense
  • $3,773Net interest income
  • $198Provision for loan and lease losses
  • $475Total noninterest income
  • $0Fiduciary activities
  • $233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $242Additional noninterest income
  • $4,119Total noninterest expense
  • $1,786Salaries and employee benefits
  • $845Premises and equipment expense
  • $1,488Additional noninterest expense
  • -$69Pre-tax net operating income
  • $190Securities gains (losses)
  • $29Applicable income taxes
  • $92Income before extraordinary items
  • $0Extraordinary gains - net
  • $92Net income attributable to bank
  • $0Net charge-offs
  • $92Cash dividends
  • $471Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.14%Noninterest expense to earning assets
  • -0.04%Net operating income to assets
  • 0.08%Return on assets (ROA)
  • 0.10%Pretax return on assets
  • 0.36%Return on equity (ROE)
  • 0.36%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 42.04%Credit loss provision to net charge-offs
  • 0.27%Efficiency ratio
  • 95,574Assets per employee
  • 5.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 154.39%Noncurrent assets plus other real estate owned to assets
  • 1.97%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 92.11%Net loans and leases to core deposits
  • 95.18%Equity capital to assets
  • 22.87%Core capital (leverage) ratio
  • 14.44%Tier 1 risk-based capital ratio
  • 19.21%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $119,828Average earning assets
  • $25,653Average equity
  • $99,432Average loans

List of branches

  • 4 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078805Republic Bank9037 U.S. Highway 19 North, Port Richey, FL 34668October 11, 2000Full Service Brick and Mortar
    1486000Temple Terrace Branch11502 North 56th Street, Temple Terrace, FL 33617April 21, 2008Full Service Brick and Mortar
    2492569Palm Harbor Branch34650 Us Hwy 19, Palm Harbor, FL 34684November 28, 2007Full Service Brick and Mortar
    4495241Hudson Branch9100 Hudson Ave., Hudson, FL 34667August 15, 2008Full Service Brick and Mortar
  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3495240Blue Ash Branch9683 Kenwood Dr., Blue Ash, OH 45242August 20, 2008Full Service Brick and Mortar

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