US-listed companies
REPUBLIC BANCORP INC

REPUBLIC BANCORP INCRBCAA

Market cap

$1.3B

P/E ratio

Income statement Balance sheet Cash flow

	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022
Loans, including fees	178	171	125	123	134	164	206	238	260	241	217	221
Taxable investment securities	15	11	8	7	7	8	9	12	14	10	7	11
Federal Home Loan Bank stock and other	2	2	2	2	1	2	4	7	7	1	1	12
Total interest income	195	183	135	132	142	174	219	256	281	252	226	244
Deposits	9	5	4	4	4	6	10	17	29	15	5	7
Interest Expense, Short-term Borrowings	1	0	0	0	0	0	1	1	1	0	0	0
Interest Expense On Loans Payable	-	-	-	-	-	-	-	-	-	0	-	-
Federal Home Loan Bank advances	18	15	15	13	12	11	9	10	13	4	0	0
Subordinated note	3	3	3	3	2	1	1	2	2	1	1	-
Total interest expense	30	23	21	20	18	18	20	30	45	20	6	7
NET INTEREST INCOME	165	161	113	113	124	156	199	226	236	232	221	237
Provision for loan and lease losses	-	-	3	3	5	14	28	31	26	31	15	22
NET INTEREST INCOME AFTER PROVISION	147	146	110	110	119	142	171	195	210	201	206	214
Mortgage banking income	-	-	-	-	-	-	-	5	9	32	20	6
Program fees	-	-	-	-	-	3	6	6	5	7	15	16
Bank Owned Life Insurance Income	-	-	0	1	1	2	2	2	2	2	2	3
Revenue under 606	195	183	135	132	142	174	219	256	281	252	226	244
Total noninterest income	120	165	48	43	48	58	58	63	75	87	87	90
Labor and Related Expense	55	61	58	54	58	70	82	91	99	106	110	111
Technology, equipment, and communication	-	-	-	-	-	-	-	-	-	-	29	29
Occupancy	22	22	22	22	21	22	24	25	26	27	13	13
Marketing Expense	3	3	3	3	3	4	5	4	5	4	4	7
FDIC insurance expense	4	1	2	2	2	2	1	1	1	1	2	2
State Franchise Tax	4	4	4	5	5	5	5	5	5	5	1	-
Interchange related expense	2	2	3	3	4	4	4	4	5	4	5	5
Professional Fees	-	-	-	-	3	3	2	3	3	4	5	4
FHLB advances early termination penalties	-	-	-	-	-	-	-	-	-	2	-	-
Other	8	9	8	7	7	8	11	13	12	12	13	17
Total noninterest expense	122	127	118	108	113	130	151	164	172	185	182	187
INCOME BEFORE INCOME TAX EXPENSE	144	184	40	44	53	69	78	94	113	103	110	117
INCOME TAX EXPENSE	50	65	15	16	18	23	33	16	21	19	24	26
NET INCOME	94	119	25	29	35	46	46	78	92	83	87	91
Class A Common Stock	4.5	5.71	1.23	1.39	1.7	2.22	2.21	3.76	4.41	4	4.25	4.6
Class B Common Stock	4.45	5.55	1.17	1.32	1.55	2.02	2.01	3.41	4.01	3.64	3.87	4.19
Class A Common Stock	4.49	5.69	1.22	1.38	1.7	2.22	2.2	3.74	4.39	3.99	4.24	4.59
Class B Common Stock	4.44	5.53	1.16	1.32	1.54	2.01	2	3.4	3.99	3.63	3.85	4.17