Republic Bank & Trust Company in Louisville, Kentucky (KY), IN, TN
Overview, Financial Summary, Detailed Financial Reports, Branches


Republic Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 23627
    Status: Active
    Federal Reserve ID: 316840
    Bank Holding Company (Regulatory Top Holder): Republic Bancorp, Inc. (RSSDID: 1097025, Location: Louisville, KY)
    Date Established: January 11, 1982
    WWW: http://www.republicbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 38 (Domestic: 37, Interstate: Yes)
    OTS Docket #: 9509
    FDIC's unique #: 16541
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 11, 1982
    Last Structure Change Effective Date: January 27, 2012
    Last Structure Change Process Date: January 30, 2012
    Last Data Update: January 30, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 West Market Street, Louisville, KY 40202
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $3,310.3 mil
    Equity capital: $405.5 mil
    Deposits held in domestic offices: $1,691.4 mil
    Return on assets (ROA): 2.94% ($97.3 mil)
    Quarterly return on assets: 0.78% ($25.8 mil)
    Return on Equity (ROE): 24.20% ($98.0 mil)
    Quarterly return on equity: 6.01% ($24.3 mil)
    Net income: $94.7 mil
    Quarterly Net income: $6.1 mil
    Pretax return on assets: 4.51% ($149,294.9 mil)
    Quarterly Pretax return on assets: 1.04% ($34,427.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 688Total employees (full-time equivalent)
  • $3,310,308Total assets
  • $360,393Cash and due from depository institutions
  • $297,430Interest-bearing balances
  • $663,351Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,187,029Net loans & leases
  • $22,164Loan loss allowance
  • $0Trading account assets
  • $29,855Bank premises and fixed assets
  • $9,964Other real estate owned
  • $6,087Goodwill and other intangibles
  • $3,310,308Life insurance assets
  • $53,629All other assets
  • $2,904,826Total liabilities and capital
  • $1,691,380Total liabilities
  • $1,631,496Total deposits
  • $1,691,380Interest-bearing deposits
  • $60Deposits held in domestic offices
  • 232931.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $934,630Trading liabilities
  • $23,450Other borrowed funds
  • $22,435Subordinated debt
  • $405,482All other liabilities
  • $405,482Total equity capital
  • $405,482Total bank equity capital
  • $0Perpetual preferred stock
  • $8,700Common stock
  • $79,903Surplus
  • $316,879Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,392Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22,077Income earned, not collected on loans
  • $0Earning assets
  • $9,396Long-term assets (5+ years)
  • $3,147,810Average Assets, year-to-date
  • $425,090Average Assets, quarterly
  • $3,219,735Volatile liabilities
  • $3,145,102Insider loans
  • $1,943,910FHLB advances
  • $3,139,507Loans and leases held for sale
  • $690Unused loan commitments
  • $690Tier 1 (core) risk-based capital
  • $401,529Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $448,339Restructured Loans and leases
  • $22,461Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $190,496Total interest income
  • $28,702Total interest expense
  • $161,794Net interest income
  • $17,769Provision for loan and lease losses
  • $117,145Total noninterest income
  • $457Fiduciary activities
  • $13,872Service charges on deposit accounts
  • $0Trading account gains & fees
  • $102,816Additional noninterest income
  • $117,853Total noninterest expense
  • $53,063Salaries and employee benefits
  • $20,907Premises and equipment expense
  • $43,883Additional noninterest expense
  • $143,317Pre-tax net operating income
  • $1,816Securities gains (losses)
  • $50,404Applicable income taxes
  • $94,729Income before extraordinary items
  • $0Extraordinary gains - net
  • $94,729Net income attributable to bank
  • $0Net charge-offs
  • $94,729Cash dividends
  • $16,511Sale, conversion, retirement of capital stock, net
  • $35,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.30%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 5.35%Net interest margin
  • 3.87%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 2.91%Net operating income to assets
  • 2.94%Return on assets (ROA)
  • 4.51%Pretax return on assets
  • 24.20%Return on equity (ROE)
  • 15.16%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 107.62%Credit loss provision to net charge-offs
  • 9.76%Efficiency ratio
  • 42,250Assets per employee
  • 4.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.37%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 100.39%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 129.30%Net loans and leases to core deposits
  • 139.90%Equity capital to assets
  • 12.25%Core capital (leverage) ratio
  • 12.79%Tier 1 risk-based capital ratio
  • 20.66%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $3,219,735Average earning assets
  • $391,364Average equity
  • $3,023,291Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $121,788Managed Assets
  • 1Number of Accounts
  • $93,911Personal trust and agency accounts
  • $27,952Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $12,143Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $49,257Other fiduciary accounts
  • $4,559Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 199Number of Accounts
  • $0Personal trust and agency accounts
  • $1,100Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $27,877Other retirement accounts
  • $13,969Corporate trust and agency accounts
  • $6,360Other fiduciary accounts
  • $966Fiduciary accounts held in foreign offices

List of branches

  • 3 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    44358534Republic Bank & Trust Company Branch3141 Highway 62, Jeffersonville, IN 47130May 01, 2001Full Service Brick and Mortar
    45419832Charlestown Road Branch3001 Charlestown Crossing Way Ste 5, New Albany, IN 47150September 01, 2002Full Service Brick and Mortar
    52479308Floyds Knobs Branch4571 Duffy Road, Floyds Knobs, IN 47119October 02, 2007Full Service Brick and Mortar
  • 34 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016541Republic Bank & Trust Company601 West Market Street, Louisville, KY 40202January 11, 1982Full Service Brick and Mortar
    1256587Louisville Branch2801 Bardstown Road, Louisville, KY 40205May 19, 1986Full Service Brick and Mortar
    2256588Louisville Branch661 South Hurstborne Parkway, Louisville, KY 40223September 12, 1988Full Service Brick and Mortar
    3256589Old Brownsboro Road Branch4921 Old Brownsboro Road, Louisville, KY 40222October 29, 1990Full Service Brick and Mortar
    6285854651 Perimeter Centre Branch651 Perimeter Centre, Lexington, KY 40502June 30, 1987Full Service Brick and Mortar
    7285855Frankfort Branch100 Highway 676, Frankfort, KY 40601June 30, 1987Full Service Brick and Mortar
    82858561690 Ring Road Branch1690 Ring Road Avenue, Elizabethtown, KY 42701June 30, 1987Full Service Brick and Mortar
    11558635 Village Plaza Branch35 Village Plaza, Shelbyville, KY 40065January 01, 1888Full Service Brick and Mortar
    13256590Chevy Chase641 East Euclid Ave, Lexington, KY 40502January 03, 1995Full Service Brick and Mortar
    14256591Harrodsburg Road Branch2401 Harrodsburg Road, Lexington, KY 40504June 18, 1983Full Service Brick and Mortar
    19285858Owensboro Branch3333 Frederica Street, Owensboro, KY 42301March 01, 1990Full Service Brick and Mortar
    21256595Outer Loop Branch4808 Outer Loop, Louisville, KY 40219March 01, 1996Full Service Brick and Mortar
    22256596Baptist East Branch3950 Kresge Way, St. Matthews, KY 40207July 22, 1996Full Service Brick and Mortar
    23256597Dixie Highway Branch5320 Dixie Highway, Louisville, KY 40216August 05, 1996Full Service Brick and Mortar
    26256600Hwy 22 Branch9600 Brownsboro Rd, Louisville, KY 40241November 17, 1997Full Service Brick and Mortar
    27256601Lexington - Andover3098 Helmsdale, Lexington, KY 40509July 11, 1998Full Service Brick and Mortar
    28256602St Matthews3726 Lexington Road, Louisville, KY 40207December 03, 1998Full Service Brick and Mortar
    29256603Fern Creek Banking Branch10100 Brookridge Village Blvd, Louisville, KY 40291November 03, 1999Full Service Brick and Mortar
    30256604Prospect Banking Branch9101 Ushwy 42, Prospect, KY 40059Febuary 28, 2000Full Service Brick and Mortar
    32365885Blankenbaker Parkway Branch11330 Main Street, Middletown, KY 40243August 05, 2002Full Service Brick and Mortar
    33419818Broadway Branch2020 W. Broadway, Louisville, KY 40203September 23, 2002Full Service Brick and Mortar
    34419819Hikes Point Branch3902 Taylorsville Road, Louisville, KY 40220March 03, 2003Full Service Brick and Mortar
    36419821Jeffersontown Branch3811 Ruckriegel Pkwy, Louisville, KY 40299May 27, 2003Full Service Brick and Mortar
    37429991Poplar Level Branch1420 Poplar Level Road, Louisville, KY 40213October 27, 2003Full Service Brick and Mortar
    39429993New Cut Branch5125 New Cut Road, Louisville, KY 40214September 15, 2003Full Service Brick and Mortar
    40429994Tates Creek Branch3608 Walden Drive, Lexington, KY 40517November 17, 2003Full Service Brick and Mortar
    41429995Georgetown Branch430 Connector Road, Georgetown, KY 40324January 29, 2004Full Service Brick and Mortar
    42453471Owensboro Hwy 54 Branch3332 Villa Point, Owensboro, KY 42303September 12, 2005Full Service Brick and Mortar
    46457287Jewish Hsopital Branch220 Abraham Flexner Way, Suite 100, Louisville, KY 40202December 04, 2006Full Service Brick and Mortar
    47466387Covington Branch535 Madison Ave., Covington, KY 41011January 16, 2007Full Service Brick and Mortar
    48474396Crestwood Branch6401 Claymont Crossing, Crestwood, KY 40014April 14, 2008Full Service Brick and Mortar
    49477404Florence Branch8513 Ushwy 42, Florence, KY 41042June 16, 2008Full Service Brick and Mortar
    51479307Shepherdsville Branch438 Highway 44 East, Shepherdsville, KY 40165October 30, 2007Full Service Brick and Mortar
    53480062Independence Branch2051 Centennial Boulevard, Independence, KY 41051August 04, 2008Full Service Brick and Mortar
  • 1 Tennessee Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5477686Tennessee Commerce Branch381 Mallory Station Road, Franklin, TN 37067January 14, 2000Full Service Brick and Mortar

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