Republic Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 14.2. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.0 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (20%), home mtgs (19%), securities (12%), comm loans (7%), cash (7%), home eq lns (6%), consumer loans (4%), other (24%)
States with Branches:
FL, IN, KY, MO, OH, TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Republic Bancorp, Inc.
Investment Rating
--
Address
601 West Market Street
Louisville, KY 40202
Louisville, KY 40202
Phone Number
(502) 584-3600
Year Founded
1982
FDIC Number
Website
Largest Affiliates
No affiliate information available.