Republic Bank in Port Richey, Florida (FL), OH

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Republic Bank
GeneralFDIC 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
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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)22
Total assets$112,938
Cash and due from depository institutions$2,638
Interest-bearing balances$210
Federal funds sold & reverse repurchase agreements$2,700
Net loans & leases$79,502
Loan loss allowance $1,899
Trading account assets$0
Bank premises and fixed assets$4,426
Other real estate owned$992
Goodwill and other intangibles$10,226
All other assets$1,782
Life insurance assets$112,939
Total liabilities and capital$87,107
Total liabilities$86,316
Total deposits$72,225
Interest-bearing deposits$86,316
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $791
All other liabilities $25,832
Total equity capital$25,832
Total bank equity capital$25,832
Perpetual preferred stock$0
Common stock$50
Undivided profits $2,263
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,230
Earning assets $0
Long-term assets (5+ years) $283
Average Assets, year-to-date $93,084
Average Assets, quarterly $15,914
Volatile liabilities $119,828
Insider loans $115,294
FHLB advances $80,252
Loans and leases held for sale $106,769
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,420
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,393
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,497
Total interest expense $724
Net interest income $3,773
Provision for loan and lease losses $198
Total noninterest income $475
Fiduciary activities $0
Service charges on deposit accounts $233
Trading account gains & fees $0
Additional noninterest income $242
Total noninterest expense $4,119
Salaries and employee benefits $1,786
Premises and equipment expense $845
Additional noninterest expense $1,488
Pre-tax net operating income -$69
Securities gains (losses) $190
Applicable income taxes $29
Income before extraordinary items $92
Extraordinary gains - net $0
Net income attributable to bank $92
Net charge-offs $0
Cash dividends $92
Sale, conversion, retirement of capital stock, net $471
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.52%
Cost of funding earning assets 0.73%
Net interest margin 3.79%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 4.14%
Net operating income to assets -0.04%
Return on assets (ROA) 0.08%
Pretax return on assets 0.10%
Return on equity (ROE) 0.36%
Retained earnings to average equity (YTD only) 0.36%
Net charge-offs to loans 0.62%
Credit loss provision to net charge-offs 42.04%
Efficiency ratio0.27%
Assets per employee$95,574
Cash dividends to net income (YTD only)5.13%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.33%
Noncurrent assets plus other real estate owned to assets 154.39%
Noncurrent loans to loans 1.97%
Net loans and leases to deposits1.51%
Net loans and leases to core deposits 92.11%
Equity capital to assets 95.18%
Core capital (leverage) ratio 22.87%
Tier 1 risk-based capital ratio 14.44%
Total risk-based capital ratio 19.21%
Average assets$20
Average earning assets$119,828
Average equity $25,653
Average loans $99,432
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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
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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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