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Republic Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$32,442,000	264
Total interest expense	$11,860,000	215
Net interest income	$20,582,000	292
Provision for loan and lease losses	$-200,000	9,060
Total noninterest income	$2,722,000	575
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,732,000	250
Trading account gains and fees	$-165,000	9,091
Additional Noninterest Income	$1,155,000	714
Total noninterest expense	$20,204,000	254
Salaries and employee benefits	$11,038,000	225
Premises and equipment expense	$3,900,000	188
Additional noninterest expense	$5,266,000	311
Pre-tax net operating income	$3,300,000	678
Securities gains (losses)	$0	2,934
Applicable income taxes	$1,167,000	653
Income before extraordinary items	$2,133,000	780
Extraordinary gains, net	$0	16
Net income	$2,133,000	780
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$234,000	719
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$2,133,000	728
2003-12-31 (YTD Data)		Rank
Total interest income	$129,100,000	269
Total interest expense	$48,819,000	222
Net interest income	$80,281,000	287
Provision for loan and lease losses	$-2,187,000	9,160
Total noninterest income	$10,670,000	618
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$6,904,000	254
Trading account gains and fees	$1,793,000	72
Additional Noninterest Income	$1,973,000	1,490
Total noninterest expense	$76,992,000	265
Salaries and employee benefits	$40,837,000	239
Premises and equipment expense	$14,090,000	198
Additional noninterest expense	$22,065,000	312
Pre-tax net operating income	$16,146,000	561
Securities gains (losses)	$3,520,000	194
Applicable income taxes	$7,128,000	471
Income before extraordinary items	$12,538,000	560
Extraordinary gains, net	$0	54
Net income	$12,538,000	560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,793,000	229
Cash dividends	$8,000,000	444
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$10,285,200	601
2003-09-30 (YTD Data)		Rank
Total interest income	$97,081,000	275
Total interest expense	$37,293,000	230
Net interest income	$59,788,000	298
Provision for loan and lease losses	$-4,517,000	9,229
Total noninterest income	$7,688,000	669
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$5,076,000	278
Trading account gains and fees	$909,000	76
Additional Noninterest Income	$1,703,000	1,398
Total noninterest expense	$59,087,000	268
Salaries and employee benefits	$30,245,000	244
Premises and equipment expense	$11,872,000	184
Additional noninterest expense	$16,970,000	313
Pre-tax net operating income	$12,906,000	548
Securities gains (losses)	$3,520,000	188
Applicable income taxes	$6,041,000	441
Income before extraordinary items	$10,385,000	531
Extraordinary gains, net	$0	40
Net income	$10,385,000	531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$229,000	2,031
Cash dividends	$5,000,000	478
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$8,132,200	589
2003-06-30 (YTD Data)		Rank
Total interest income	$65,497,000	275
Total interest expense	$25,296,000	233
Net interest income	$40,201,000	299
Provision for loan and lease losses	$848,000	733
Total noninterest income	$3,347,000	923
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$3,292,000	283
Trading account gains and fees	$44,000	124
Additional Noninterest Income	$11,000	8,392
Total noninterest expense	$37,887,000	273
Salaries and employee benefits	$19,776,000	248
Premises and equipment expense	$7,581,000	191
Additional noninterest expense	$10,530,000	328
Pre-tax net operating income	$4,813,000	916
Securities gains (losses)	$2,982,000	179
Applicable income taxes	$2,817,000	574
Income before extraordinary items	$4,978,000	685
Extraordinary gains, net	$0	30
Net income	$4,978,000	686
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,556,000	395
Cash dividends	$2,000,000	736
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$3,069,520	1,008
2003-03-31 (YTD Data)		Rank
Total interest income	$32,610,000	282
Total interest expense	$12,531,000	245
Net interest income	$20,079,000	301
Provision for loan and lease losses	$648,000	515
Total noninterest income	$2,591,000	652
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,574,000	286
Trading account gains and fees	$85,000	97
Additional Noninterest Income	$932,000	938
Total noninterest expense	$19,115,000	270
Salaries and employee benefits	$9,997,000	249
Premises and equipment expense	$3,812,000	195
Additional noninterest expense	$5,306,000	324
Pre-tax net operating income	$2,907,000	777
Securities gains (losses)	$1,423,000	179
Applicable income taxes	$1,638,000	531
Income before extraordinary items	$2,692,000	639
Extraordinary gains, net	$0	21
Net income	$2,692,000	638
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$840,000	353
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,781,280	874
2002-12-31 (YTD Data)		Rank
Total interest income	$145,725,000	271
Total interest expense	$63,088,000	235
Net interest income	$82,637,000	295
Provision for loan and lease losses	$5,350,000	367
Total noninterest income	$9,669,000	646
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$6,395,000	276
Trading account gains and fees	$-87,000	9,306
Additional Noninterest Income	$3,361,000	924
Total noninterest expense	$77,252,000	263
Salaries and employee benefits	$38,095,000	242
Premises and equipment expense	$16,192,000	175
Additional noninterest expense	$22,965,000	314
Pre-tax net operating income	$9,704,000	897
Securities gains (losses)	$2,980,000	215
Applicable income taxes	$4,975,000	590
Income before extraordinary items	$7,709,000	824
Extraordinary gains, net	$0	70
Net income	$7,709,000	823
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,360,000	224
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$105,000	639
Net operating income	$5,801,800	1,035
2001-12-31 (YTD Data)		Rank
Total interest income	$168,978,000	267
Total interest expense	$94,571,000	235
Net interest income	$74,407,000	309
Provision for loan and lease losses	$16,150,000	183
Total noninterest income	$17,086,000	427
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$7,771,000	220
Trading account gains and fees	$-1,364,000	9,593
Additional Noninterest Income	$10,679,000	406
Total noninterest expense	$78,973,000	259
Salaries and employee benefits	$38,484,000	218
Premises and equipment expense	$15,311,000	172
Additional noninterest expense	$25,178,000	305
Pre-tax net operating income	$-3,630,000	9,548
Securities gains (losses)	$2,630,000	203
Applicable income taxes	$-361,000	9,458
Income before extraordinary items	$-639,000	9,295
Extraordinary gains, net	$0	105
Net income	$-639,000	9,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,002,000	157
Cash dividends	$6,412,000	502
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-2,322,200	9,517
2000-12-31 (YTD Data)		Rank
Total interest income	$199,340,000	246
Total interest expense	$105,279,000	247
Net interest income	$94,061,000	244
Provision for loan and lease losses	$20,700,000	146
Total noninterest income	$5,184,000	908
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$8,128,000	193
Trading account gains and fees	$-13,492,000	4,551
Additional Noninterest Income	$10,548,000	406
Total noninterest expense	$80,271,000	251
Salaries and employee benefits	$37,456,000	219
Premises and equipment expense	$15,978,000	176
Additional noninterest expense	$26,837,000	290
Pre-tax net operating income	$-1,726,000	9,805
Securities gains (losses)	$239,000	381
Applicable income taxes	$84,000	6,737
Income before extraordinary items	$-1,571,000	9,801
Extraordinary gains, net	$0	38
Net income	$-1,571,000	9,800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,026,000	153
Cash dividends	$854,000	2,546
Sale, conversion, retirement of capital stock, net	$-45,000	9,760
Net operating income	$-1,810,000	9,816
1999-12-31 (YTD Data)		Rank
Total interest income	$192,471,000	239
Total interest expense	$95,772,000	235
Net interest income	$96,699,000	240
Provision for loan and lease losses	$9,923,000	207
Total noninterest income	$22,881,000	364
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$5,535,000	272
Trading account gains and fees	$-715,000	4,556
Additional Noninterest Income	$18,061,000	320
Total noninterest expense	$88,075,000	237
Salaries and employee benefits	$41,437,000	203
Premises and equipment expense	$15,884,000	179
Additional noninterest expense	$30,754,000	275
Pre-tax net operating income	$21,582,000	454
Securities gains (losses)	$0	3,155
Applicable income taxes	$8,328,000	414
Income before extraordinary items	$13,254,000	494
Extraordinary gains, net	$0	35
Net income	$13,254,000	494
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,568,000	193
Cash dividends	$7,200,000	511
Sale, conversion, retirement of capital stock, net	$1,103,000	488
Net operating income	$13,254,000	488
1998-12-31 (YTD Data)		Rank
Total interest income	$173,553,000	251
Total interest expense	$88,945,000	239
Net interest income	$84,608,000	259
Provision for loan and lease losses	$14,201,000	171
Total noninterest income	$54,814,000	223
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$4,601,000	293
Trading account gains and fees	$173,000	135
Additional Noninterest Income	$50,040,000	183
Total noninterest expense	$143,093,000	175
Salaries and employee benefits	$53,105,000	170
Premises and equipment expense	$13,595,000	198
Additional noninterest expense	$76,393,000	167
Pre-tax net operating income	$-17,872,000	10,474
Securities gains (losses)	$1,187,000	342
Applicable income taxes	$-6,357,000	10,457
Income before extraordinary items	$-10,328,000	10,455
Extraordinary gains, net	$0	32
Net income	$-10,328,000	10,454
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,904,000	327
Cash dividends	$2,499,000	1,131
Sale, conversion, retirement of capital stock, net	$71,534,000	13
Net operating income	$-11,087,680	10,453
1997-12-31 (YTD Data)		Rank
Total interest income	$109,261,000	378
Total interest expense	$54,531,000	366
Net interest income	$54,730,000	379
Provision for loan and lease losses	$2,628,000	474
Total noninterest income	$23,299,000	322
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$3,483,000	380
Trading account gains and fees	$0	239
Additional Noninterest Income	$19,816,000	263
Total noninterest expense	$60,941,000	289
Salaries and employee benefits	$27,751,000	257
Premises and equipment expense	$8,153,000	282
Additional noninterest expense	$25,037,000	297
Pre-tax net operating income	$14,460,000	596
Securities gains (losses)	$1,308,000	245
Applicable income taxes	$5,675,000	566
Income before extraordinary items	$10,093,000	598
Extraordinary gains, net	$0	44
Net income	$10,093,000	598
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$731,000	992
Cash dividends	$1,780,000	1,428
Sale, conversion, retirement of capital stock, net	$3,878,000	254
Net operating income	$9,255,880	615
1996-12-31 (YTD Data)		Rank
Total interest income	$67,404,000	584
Total interest expense	$32,920,000	570
Net interest income	$34,484,000	590
Provision for loan and lease losses	$1,800,000	671
Total noninterest income	$5,670,000	875
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,699,000	778
Trading account gains and fees	$0	262
Additional Noninterest Income	$3,971,000	738
Total noninterest expense	$32,703,000	521
Salaries and employee benefits	$14,304,000	503
Premises and equipment expense	$4,529,000	504
Additional noninterest expense	$13,870,000	521
Pre-tax net operating income	$5,651,000	1,265
Securities gains (losses)	$370,000	498
Applicable income taxes	$2,232,000	1,113
Income before extraordinary items	$3,789,000	1,313
Extraordinary gains, net	$0	53
Net income	$3,789,000	1,314
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,844,000	605
Cash dividends	$264,000	4,833
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,552,200	1,356
1995-12-31 (YTD Data)		Rank
Total interest income	$58,068,000	677
Total interest expense	$30,001,000	645
Net interest income	$28,067,000	710
Provision for loan and lease losses	$1,685,000	654
Total noninterest income	$4,318,000	1,055
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,449,000	918
Trading account gains and fees	$35,000	350
Additional Noninterest Income	$2,834,000	919
Total noninterest expense	$23,079,000	707
Salaries and employee benefits	$11,188,000	638
Premises and equipment expense	$3,216,000	712
Additional noninterest expense	$8,675,000	752
Pre-tax net operating income	$7,621,000	1,027
Securities gains (losses)	$27,000	1,701
Applicable income taxes	$1,875,000	1,346
Income before extraordinary items	$5,773,000	933
Extraordinary gains, net	$0	65
Net income	$5,773,000	933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,498,000	687
Cash dividends	$264,000	4,849
Sale, conversion, retirement of capital stock, net	$9,166,000	54
Net operating income	$5,752,750	930
1994-12-31 (YTD Data)		Rank
Total interest income	$37,454,000	867
Total interest expense	$16,866,000	823
Net interest income	$20,588,000	909
Provision for loan and lease losses	$1,575,000	677
Total noninterest income	$5,684,000	849
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,247,000	1,065
Trading account gains and fees	$92,000	240
Additional Noninterest Income	$4,345,000	691
Total noninterest expense	$17,328,000	898
Salaries and employee benefits	$7,278,000	939
Premises and equipment expense	$1,309,000	1,575
Additional noninterest expense	$8,741,000	774
Pre-tax net operating income	$7,369,000	1,034
Securities gains (losses)	$0	3,600
Applicable income taxes	$468,000	4,260
Income before extraordinary items	$6,901,000	773
Extraordinary gains, net	$0	249
Net income	$6,901,000	772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,692,000	635
Cash dividends	$264,000	4,796
Sale, conversion, retirement of capital stock, net	$128,000	764
Net operating income	$6,901,000	778
1993-12-31 (YTD Data)		Rank
Total interest income	$7,331,000	4,131
Total interest expense	$3,110,000	3,994
Net interest income	$4,221,000	4,190
Provision for loan and lease losses	$709,000	1,650
Total noninterest income	$2,952,000	1,485
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$596,000	2,315
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,356,000	1,133
Total noninterest expense	$4,320,000	3,241
Salaries and employee benefits	$1,715,000	3,787
Premises and equipment expense	$384,000	4,877
Additional noninterest expense	$2,221,000	2,495
Pre-tax net operating income	$2,144,000	3,093
Securities gains (losses)	$38,000	3,799
Applicable income taxes	$0	12,141
Income before extraordinary items	$2,182,000	2,288
Extraordinary gains, net	$0	3,149
Net income	$2,182,000	2,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,984
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$19,214,000	78
Net operating income	$2,144,000	2,192
1992-12-31 (YTD Data)		Rank
Total interest income	$11,845,000	2,959
Total interest expense	$6,054,000	2,751
Net interest income	$5,791,000	3,172
Provision for loan and lease losses	$520,000	2,905
Total noninterest income	$1,596,000	2,287
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,141,000	1,159
Trading account gains and fees	$0	504
Additional Noninterest Income	$455,000	3,396
Total noninterest expense	$6,643,000	2,219
Salaries and employee benefits	$2,497,000	2,603
Premises and equipment expense	$1,241,000	1,708
Additional noninterest expense	$2,905,000	2,042
Pre-tax net operating income	$224,000	10,846
Securities gains (losses)	$83,000	3,314
Applicable income taxes	$104,000	9,806
Income before extraordinary items	$203,000	10,551
Extraordinary gains, net	$54,000	970
Net income	$257,000	9,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$742,000	1,913
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$-12,000	13,785
Net operating income	$148,220	10,964

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.