XML 73 R63.htm IDEA: XBRL DOCUMENT v3.23.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES - RISK CATEGORY (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Dec. 31, 2022
Loans          
Revolving Loans Amortized Cost Basis $ 935,213   $ 935,213   $ 992,992
Revolving Loans Converted To Term Loans 140,467   140,467   110,803
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis     36,136   24,323
Lease          
Year One 36,895   36,895   5,469
Year Two 26,631   26,631   1,964
Year Three 11,907   11,907   542
Year Four 5,554   5,554   1,548
Prior 4,255   4,255   982
Total Loans 85,242   85,242   10,505
Loans and Lease          
Year One 792,338   792,338   1,083,468
Year Two 1,047,762   1,047,762   887,197
Year Three 816,966   816,966   510,259
Year Four 474,434   474,434   303,266
Prior 873,919   873,919   627,817
Loans 5,081,099   5,081,099   4,515,802
Loans and Lease, Gross Charge-offs          
Year One     126   21
Year Two     19   14
Year Three     24    
Year Four         11
Prior     7    
Total, YTD Gross Charge-offs (2,316) $ 3,275 36,312 $ 20,525 24,369
Pass or not rated          
Loans          
Revolving Loans Amortized Cost Basis 930,220   930,220   990,235
Revolving Loans Converted To Term Loans 139,646   139,646   110,803
Lease          
Year One 36,895   36,895   5,469
Year Two 26,631   26,631   1,964
Year Three 11,907   11,907   542
Year Four 5,554   5,554   1,548
Prior 2,973   2,973   982
Total Loans 83,960   83,960   10,505
Loans and Lease          
Year One 791,765   791,765   1,078,578
Year Two 1,044,044   1,044,044   860,795
Year Three 797,712   797,712   508,758
Year Four 472,858   472,858   280,501
Prior 822,053   822,053   597,660
Loans 4,998,298   4,998,298   4,427,330
Special Mention          
Loans          
Revolving Loans Amortized Cost Basis 2,191   2,191   744
Lease          
Prior 981   981    
Total Loans 981   981    
Loans and Lease          
Year One 573   573   3,660
Year Two 2,136   2,136   25,269
Year Three 17,562   17,562    
Year Four 438   438   21,296
Prior 39,422   39,422   18,995
Loans 62,322   62,322   69,964
Substandard          
Loans          
Revolving Loans Amortized Cost Basis 2,802   2,802   2,013
Revolving Loans Converted To Term Loans 821   821    
Lease          
Prior 301   301    
Total Loans 301   301    
Loans and Lease          
Year One         1,230
Year Two 1,582   1,582   1,133
Year Three 1,692   1,692   1,501
Year Four 1,138   1,138   1,469
Prior 12,444   12,444   11,162
Loans 20,479   20,479   18,508
Residential real estate | Residential Real Estate - Owner Occupied          
Loans          
Year One 307,179   307,179   232,868
Year Two 209,753   209,753   190,758
Year Three 180,411   180,411   189,505
Year Four 173,988   173,988   72,766
Prior 255,914   255,914   225,530
Revolving Loans Converted To Term Loans 1,500   1,500    
Loans 1,128,745   1,128,745   911,427
Loans, Gross Charge-offs          
Year One         21
Year Two     8    
Year Three     16    
Total     24   21
Residential real estate | Residential Real Estate - Owner Occupied | Pass or not rated          
Loans          
Year One 307,179   307,179   231,638
Year Two 208,209   208,209   189,495
Year Three 178,744   178,744   188,004
Year Four 172,850   172,850   71,306
Prior 238,598   238,598   208,296
Revolving Loans Converted To Term Loans 1,500   1,500    
Loans 1,107,080   1,107,080   888,739
Residential real estate | Residential Real Estate - Owner Occupied | Special Mention          
Loans          
Year Two         160
Prior 6,482   6,482   7,240
Loans 6,482   6,482   7,400
Residential real estate | Residential Real Estate - Owner Occupied | Substandard          
Loans          
Year One         1,230
Year Two 1,544   1,544   1,103
Year Three 1,667   1,667   1,501
Year Four 1,138   1,138   1,460
Prior 10,834   10,834   9,994
Loans 15,183   15,183   15,288
Residential real estate | Residential Real Estate - Non Owner Occupied          
Loans          
Year One 48,424   48,424   78,337
Year Two 72,749   72,749   91,808
Year Three 86,010   86,010   55,058
Year Four 49,442   49,442   32,803
Prior 80,382   80,382   57,205
Revolving Loans Converted To Term Loans 7,675   7,675   6,147
Loans 344,682   344,682   321,358
Residential real estate | Residential Real Estate - Non Owner Occupied | Pass or not rated          
Loans          
Year One 48,424   48,424   78,337
Year Two 72,749   72,749   91,778
Year Three 85,990   85,990   55,058
Year Four 49,442   49,442   32,803
Prior 80,307   80,307   57,053
Revolving Loans Converted To Term Loans 7,675   7,675   6,147
Loans 344,587   344,587   321,176
Residential real estate | Residential Real Estate - Non Owner Occupied | Special Mention          
Loans          
Prior 27   27   32
Loans 27   27   32
Residential real estate | Residential Real Estate - Non Owner Occupied | Substandard          
Loans          
Year Two         30
Year Three 20   20    
Prior 48   48   120
Loans 68   68   150
Residential real estate | Home equity          
Loans          
Revolving Loans Amortized Cost Basis 275,750   275,750   241,739
Loans 275,750   275,750   241,739
Residential real estate | Home equity | Pass or not rated          
Loans          
Revolving Loans Amortized Cost Basis 273,803   273,803   240,704
Loans 273,803   273,803   240,704
Residential real estate | Home equity | Special Mention          
Loans          
Revolving Loans Amortized Cost Basis 295   295   171
Loans 295   295   171
Residential real estate | Home equity | Substandard          
Loans          
Revolving Loans Amortized Cost Basis 1,652   1,652   864
Loans 1,652   1,652   864
Commercial real estate          
Loans          
Year One 177,498   177,498   454,451
Year Two 468,572   468,572   406,187
Year Three 379,548   379,548   210,055
Year Four 197,435   197,435   139,224
Prior 370,216   370,216   263,985
Revolving Loans Amortized Cost Basis 26,183   26,183   25,817
Revolving Loans Converted To Term Loans 125,735   125,735   99,791
Loans 1,745,187   1,745,187   1,599,510
Loans, Gross Charge-offs          
Year Two         9
Total         9
Commercial real estate | Pass or not rated          
Loans          
Year One 176,925   176,925   451,327
Year Two 466,888   466,888   394,317
Year Three 375,172   375,172   210,055
Year Four 197,435   197,435   117,928
Prior 338,991   338,991   253,213
Revolving Loans Amortized Cost Basis 24,663   24,663   25,499
Revolving Loans Converted To Term Loans 125,735   125,735   99,791
Loans 1,705,809   1,705,809   1,552,130
Commercial real estate | Special Mention          
Loans          
Year One 573   573   3,124
Year Two 1,684   1,684   11,870
Year Three 4,376   4,376    
Year Four         21,296
Prior 30,319   30,319   9,967
Revolving Loans Amortized Cost Basis 1,520   1,520   318
Loans 38,472   38,472   46,575
Commercial real estate | Substandard          
Loans          
Prior 906   906   805
Loans 906   906   805
Construction & land development          
Loans          
Year One 53,267   53,267   107,153
Year Two 113,557   113,557   43,289
Year Three 21,167   21,167   638
Year Four 521   521   641
Prior 252   252   373
Revolving Loans Amortized Cost Basis         1,781
Revolving Loans Converted To Term Loans 992   992    
Loans 189,756   189,756   153,875
Construction & land development | Pass or not rated          
Loans          
Year One 53,267   53,267   107,153
Year Two 113,557   113,557   43,289
Year Three 21,167   21,167   638
Year Four 521   521   641
Prior 252   252   373
Revolving Loans Amortized Cost Basis         1,781
Revolving Loans Converted To Term Loans 992   992    
Loans 189,756   189,756   153,875
Commercial | Commercial and Industrial          
Loans          
Year One 99,935   99,935   117,019
Year Two 96,554   96,554   95,670
Year Three 89,793   89,793   17,944
Year Four 16,196   16,196   36,254
Prior 63,524   63,524   38,123
Revolving Loans Amortized Cost Basis 103,223   103,223   103,512
Revolving Loans Converted To Term Loans 4,565   4,565   4,865
Loans 473,790   473,790   413,387
Commercial | Commercial and Industrial | Pass or not rated          
Loans          
Year One 99,935   99,935   116,483
Year Two 96,064   96,064   82,431
Year Three 76,604   76,604   17,944
Year Four 15,758   15,758   36,254
Prior 61,574   61,574   36,367
Revolving Loans Amortized Cost Basis 102,820   102,820   103,257
Revolving Loans Converted To Term Loans 3,744   3,744   4,865
Loans 456,499   456,499   397,601
Commercial | Commercial and Industrial | Special Mention          
Loans          
Year One         536
Year Two 452   452   13,239
Year Three 13,186   13,186    
Year Four 438   438    
Prior 1,613   1,613   1,756
Revolving Loans Amortized Cost Basis 376   376   255
Loans 16,065   16,065   15,786
Commercial | Commercial and Industrial | Substandard          
Loans          
Year Two 38   38    
Year Three 3   3    
Prior 337   337    
Revolving Loans Amortized Cost Basis 27   27    
Revolving Loans Converted To Term Loans 821   821    
Loans 1,226   1,226    
Aircraft          
Loans          
Year One 67,327   67,327   65,399
Year Two 58,637   58,637   54,749
Year Three 47,885   47,885   35,085
Year Four 31,206   31,206   16,888
Prior 21,892   21,892   7,664
Loans 226,947   226,947   179,785
Aircraft | Pass or not rated          
Loans          
Year One 67,327   67,327   65,399
Year Two 58,637   58,637   54,749
Year Three 47,885   47,885   35,085
Year Four 31,206   31,206   16,888
Prior 21,892   21,892   7,454
Loans 226,947   226,947   179,575
Aircraft | Substandard          
Loans          
Prior         210
Loans         210
Consumer          
Loans          
Year One 1,813   1,813   415
Year Two 1,309   1,309   499
Year Three 245   245   168
Year Four 92   92   2,540
Prior 4,288   4,288   4,361
Revolving Loans Amortized Cost Basis 18,897   18,897   15,573
Loans 26,644   26,644   23,556
Loans, Gross Charge-offs          
Year Two     11   5
Year Three     8    
Year Four         11
Prior     7    
Revolving Loans Amortized Cost Basis     852   1,274
Total     878   1,290
Consumer | Pass or not rated          
Loans          
Year One 1,813   1,813   415
Year Two 1,309   1,309   499
Year Three 243   243   168
Year Four 92   92   2,531
Prior 4,270   4,270   4,328
Revolving Loans Amortized Cost Basis 18,897   18,897   15,573
Loans 26,624   26,624   23,514
Consumer | Substandard          
Loans          
Year Three 2   2    
Year Four         9
Prior 18   18   33
Loans 20   20   42
Warehouse lines of credit          
Loans          
Revolving Loans Amortized Cost Basis 457,033   457,033   403,560
Loans 457,033   457,033   403,560
Warehouse lines of credit | Pass or not rated          
Loans          
Revolving Loans Amortized Cost Basis 457,033   457,033   403,560
Loans 457,033   457,033   403,560
Tax Refund Solution          
Loans          
Revolving Loans Amortized Cost Basis 354   354   149,272
Loans 354   354   149,272
Loans, Gross Charge-offs          
Year One     126    
Revolving Loans Amortized Cost Basis     25,825   11,659
Total     25,951   11,659
Tax Refund Solution | Pass or not rated          
Loans          
Revolving Loans Amortized Cost Basis 354   354   149,272
Loans 354   354   149,272
Republic Credit Solution          
Loans          
Year One         22,357
Year Two         2,273
Year Three         1,264
Year Four         602
Prior 73,196   73,196   29,594
Revolving Loans Amortized Cost Basis 53,773   53,773   51,738
Loans 126,969   126,969   107,828
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis     9,459   11,390
Total     9,459   11,390
Republic Credit Solution | Pass or not rated          
Loans          
Year One         22,357
Year Two         2,273
Year Three         1,264
Year Four         602
Prior 73,196   73,196   29,594
Revolving Loans Amortized Cost Basis 52,650   52,650   50,589
Loans 125,846   125,846   106,679
Republic Credit Solution | Substandard          
Loans          
Revolving Loans Amortized Cost Basis 1,123   1,123   1,149
Loans $ 1,123   $ 1,123   $ 1,149