XML 73 R61.htm IDEA: XBRL DOCUMENT v3.24.1.u1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - RISK CATEGORY (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Loans      
Revolving Loans Amortized Cost Basis     $ 864,686
Revolving Loans Converted To Term Loans     161,226
Loans, Gross Charge-offs      
Revolving Loans Amortized Cost Basis     15,061
Lease      
Year One $ 7,362   46,253
Year Two 43,362   24,088
Year Three 22,079   10,427
Year Four 9,169   4,754
Year Five 4,135   2,371
Prior 2,165   698
Total Loans 88,272   88,591
Lease, Gross Charge-offs      
Year One     20
Year Two 24   113
Prior     8
Total 24   141
Loans and Lease      
Year One 151,635   1,353,074
Year Two 894,783   981,145
Year Three 902,506   758,188
Year Four 688,521   439,564
Year Five 638,276   206,951
Prior 782,158   475,027
Total loans 5,224,292   5,239,861
Loans and Lease, Gross Charge-offs      
Year One     20,447
Year Two 24   5,667
Year Three     24
Year Four 13    
Prior     15
Total, YTD Gross Charge-offs 4,927 $ 3,430 41,214
Loans held for investment fair value 0   0
Pass or not rated      
Loans      
Revolving Loans Amortized Cost Basis     858,643
Revolving Loans Converted To Term Loans     160,406
Lease      
Year One 7,362   45,824
Year Two 42,950   23,956
Year Three 21,864   10,265
Year Four 9,023   4,571
Year Five 3,979   2,344
Prior 2,117   545
Total Loans 87,295   87,505
Loans and Lease      
Year One 151,635   1,328,184
Year Two 893,824   975,037
Year Three 891,265   752,275
Year Four 680,460   438,155
Year Five 628,848   201,876
Prior 739,480   451,439
Total loans     5,166,015
Special Mention      
Loans      
Revolving Loans Amortized Cost Basis     2,493
Lease      
Year One     429
Year Two 412   30
Year Three 28   162
Year Four 108   183
Year Five 156   27
Prior 17   88
Total Loans 721   919
Loans and Lease      
Year One     24,841
Year Two 719   3,444
Year Three 7,353   4,009
Year Four 6,258   183
Year Five 7,312   3,695
Prior 31,783   13,229
Total loans     51,894
Substandard      
Loans      
Revolving Loans Amortized Cost Basis     3,550
Revolving Loans Converted To Term Loans     820
Lease      
Year Two     102
Year Three 187    
Year Four 38    
Prior 31   65
Total Loans 256   167
Loans and Lease      
Year One     49
Year Two 240   2,664
Year Three 3,888   1,904
Year Four 1,803   1,226
Year Five 2,116   1,380
Prior 10,895   10,359
Total loans     21,952
Traditional Banking      
Lease      
Total Loans 88,272   88,591
Lease, Gross Charge-offs      
Total 24    
Loans and Lease      
Total loans 4,573,650   4,618,569
Loans and Lease, Gross Charge-offs      
Total, YTD Gross Charge-offs 382 331  
Residential real estate | Residential Real Estate - Owner Occupied      
Loans      
Year One 20,990   346,236
Year Two 257,838   203,241
Year Three 203,035   176,915
Year Four 173,719   168,719
Year Five 166,155   61,022
Prior 239,900   186,077
Revolving Loans Converted To Term Loans 2,434   2,474
Loans 1,064,071   1,144,684
Loans, Gross Charge-offs      
Year Two     10
Year Three     16
Year Four 13    
Total 13   26
Residential real estate | Residential Real Estate - Owner Occupied | Pass or not rated      
Loans      
Year One 20,990   346,195
Year Two 257,598   200,715
Year Three 199,426   175,030
Year Four 171,956   167,493
Year Five 164,679   59,982
Prior 223,861   170,402
Revolving Loans Converted To Term Loans 2,434   2,474
Loans 1,040,944   1,122,291
Residential real estate | Residential Real Estate - Owner Occupied | Special Mention      
Loans      
Year One     41
Prior 5,757   6,309
Loans 5,757   6,350
Residential real estate | Residential Real Estate - Owner Occupied | Substandard      
Loans      
Year Two 240   2,526
Year Three 3,609   1,885
Year Four 1,763   1,226
Year Five 1,476   1,040
Prior 10,282   9,366
Loans 17,370   16,043
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking      
Loans      
Loans 1,064,071   1,144,684
Loans, Gross Charge-offs      
Total 13 6  
Residential real estate | Residential Real Estate - Non Owner Occupied      
Loans      
Year One 2,567   63,575
Year Two 57,662   71,798
Year Three 65,110   82,830
Year Four 74,295   47,395
Year Five 65,051   28,416
Prior 70,160   44,354
Revolving Loans Converted To Term Loans 7,636   7,597
Loans 342,481   345,965
Residential real estate | Residential Real Estate - Non Owner Occupied | Pass or not rated      
Loans      
Year One 2,567   63,405
Year Two 57,493   69,827
Year Three 63,182   82,814
Year Four 74,295   47,395
Year Five 65,051   28,416
Prior 70,075   44,280
Revolving Loans Converted To Term Loans 7,636   7,597
Loans 340,299   343,734
Residential real estate | Residential Real Estate - Non Owner Occupied | Special Mention      
Loans      
Year One     170
Year Two 169   1,971
Year Three 1,928    
Prior 25   26
Loans 2,122   2,167
Residential real estate | Residential Real Estate - Non Owner Occupied | Substandard      
Loans      
Year Three     16
Prior 60   48
Loans 60   64
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking      
Loans      
Loans 342,481   345,965
Residential real estate | Home equity      
Loans      
Revolving Loans Amortized Cost Basis 309,083   295,133
Loans 309,083   295,133
Loans, Gross Charge-offs      
Revolving Loans Amortized Cost Basis     2
Total     2
Residential real estate | Home equity | Pass or not rated      
Loans      
Revolving Loans Amortized Cost Basis 306,523   292,890
Loans 306,523   292,890
Residential real estate | Home equity | Special Mention      
Loans      
Revolving Loans Amortized Cost Basis 250   235
Loans 250   235
Residential real estate | Home equity | Substandard      
Loans      
Revolving Loans Amortized Cost Basis 2,310   2,008
Loans 2,310   2,008
Residential real estate | Home equity | Traditional Banking      
Loans      
Loans 309,083   295,133
Commercial real estate      
Loans      
Year One 38,884   366,510
Year Two 217,232   440,663
Year Three 350,573   351,974
Year Four 300,051   174,093
Year Five 336,504   88,125
Prior 371,247   186,047
Revolving Loans Amortized Cost Basis 37,626   34,207
Revolving Loans Converted To Term Loans 148,684   143,670
Loans 1,800,801   1,785,289
Commercial real estate | Pass or not rated      
Loans      
Year One 38,884   342,658
Year Two 217,232   439,643
Year Three 350,566   351,600
Year Four 295,191   174,093
Year Five 330,055   84,457
Prior 347,829   179,849
Revolving Loans Amortized Cost Basis 35,856   32,491
Revolving Loans Converted To Term Loans 148,684   143,670
Loans 1,764,297   1,748,461
Commercial real estate | Special Mention      
Loans      
Year One     23,852
Year Two     1,020
Year Three     374
Year Four 4,860    
Year Five 5,809   3,668
Prior 23,247   5,330
Revolving Loans Amortized Cost Basis 1,770   1,716
Loans 35,686   35,960
Commercial real estate | Substandard      
Loans      
Year Three 7    
Year Five 640    
Prior 171   868
Loans 818   868
Commercial real estate | Traditional Banking      
Loans      
Loans 1,800,801   1,785,289
Construction & land development      
Loans      
Year One 5,061   107,827
Year Two 79,899   89,106
Year Three 117,704   16,936
Year Four 22,655   297
Year Five 2,689   125
Prior 5,217   125
Revolving Loans Amortized Cost Basis 385   225
Revolving Loans Converted To Term Loans 4,388   2,697
Loans 237,998   217,338
Construction & land development | Pass or not rated      
Loans      
Year One 5,061   107,827
Year Two 79,899   89,106
Year Three 117,704   16,936
Year Four 22,655   297
Year Five 2,689   125
Prior 5,217   125
Revolving Loans Amortized Cost Basis 385   225
Revolving Loans Converted To Term Loans 4,388   2,697
Loans 237,998   217,338
Construction & land development | Traditional Banking      
Loans      
Loans 237,998   217,338
Commercial | Commercial and Industrial      
Loans      
Year One 15,456   141,151
Year Two 100,796   87,956
Year Three 82,264   73,625
Year Four 65,823   13,150
Year Five 35,060   10,514
Prior 35,119   12,258
Revolving Loans Amortized Cost Basis 115,317   120,636
Revolving Loans Converted To Term Loans 4,136   4,788
Loans 453,971   464,078
Commercial | Commercial and Industrial | Pass or not rated      
Loans      
Year One 15,456   140,753
Year Two 100,658   87,497
Year Three 76,782   70,149
Year Four 64,531   13,150
Year Five 33,713   10,175
Prior 32,042   10,782
Revolving Loans Amortized Cost Basis 115,105   120,069
Revolving Loans Converted To Term Loans 3,793   3,968
Loans 442,080   456,543
Commercial | Commercial and Industrial | Special Mention      
Loans      
Year One     349
Year Two 138   423
Year Three 5,397   3,473
Year Four 1,290    
Year Five 1,347    
Prior 2,737   1,476
Revolving Loans Amortized Cost Basis 187   542
Loans 11,096   6,263
Commercial | Commercial and Industrial | Substandard      
Loans      
Year One     49
Year Two     36
Year Three 85   3
Year Four 2    
Year Five     339
Prior 340    
Revolving Loans Amortized Cost Basis 25   25
Revolving Loans Converted To Term Loans 343   820
Loans 795   1,272
Commercial | Commercial and Industrial | Traditional Banking      
Loans      
Loans 453,971   464,078
Aircraft      
Loans      
Year One 8,049   97,761
Year Two 93,208   55,896
Year Three 55,071   44,721
Year Four 42,213   30,628
Year Five 27,419   14,195
Prior 20,100   6,850
Loans 246,060   250,051
Aircraft | Pass or not rated      
Loans      
Year One 8,049   97,761
Year Two 93,208   55,896
Year Three 55,071   44,721
Year Four 42,213   30,628
Year Five 27,419   14,195
Prior 20,100   6,850
Loans 246,060   250,051
Aircraft | Traditional Banking      
Loans      
Loans 246,060   250,051
Consumer      
Loans      
Year One 3,331   3,947
Year Two 4,554   1,194
Year Three 1,124   181
Year Four 144   74
Year Five 54   1,187
Prior 2,899   2,246
Revolving Loans Amortized Cost Basis     18,611
Loans     27,440
Loans, Gross Charge-offs      
Year One     9
Year Two     11
Year Three     8
Prior     7
Revolving Loans Amortized Cost Basis     1,147
Total     1,182
Consumer | Pass or not rated      
Loans      
Year One 3,331   3,947
Year Two 4,554   1,194
Year Three 1,124   181
Year Four 144   74
Year Five 54   1,186
Prior 2,888   2,234
Revolving Loans Amortized Cost Basis     18,611
Loans     27,427
Consumer | Substandard      
Loans      
Year Five     1
Prior 11   12
Loans     13
Consumer | Credit cards | Traditional Banking      
Loans      
Loans 16,858   16,654
Loans, Gross Charge-offs      
Total 81 40  
Consumer | Overdrafts | Traditional Banking      
Loans      
Loans 629   694
Loans, Gross Charge-offs      
Total 238 247  
Consumer | Automobile loans | Traditional Banking      
Loans      
Loans 2,054   2,664
Loans, Gross Charge-offs      
Total   7  
Consumer | Other consumer | Traditional Banking      
Loans      
Loans 11,372   7,428
Loans, Gross Charge-offs      
Total 26 $ 31  
Warehouse lines of credit      
Loans      
Revolving Loans Amortized Cost Basis     339,723
Loans     339,723
Warehouse lines of credit | Pass or not rated      
Loans      
Revolving Loans Amortized Cost Basis     339,723
Loans     339,723
Tax Refund Solution      
Loans      
Year One 41,099   149,207
Year Two 16,398    
Loans     149,207
Loans, Gross Charge-offs      
Year One     20,418
Year Two     5,533
Total     25,951
Tax Refund Solution | Pass or not rated      
Loans      
Year One 41,099   149,207
Year Two 16,398    
Loans     149,207
Republic Credit Solution      
Loans      
Year One 8,836   30,607
Year Two 23,834   7,203
Year Three 5,546   579
Year Four 452   454
Year Five 1,209   996
Prior 35,351   36,372
Revolving Loans Amortized Cost Basis     56,151
Loans     132,362
Loans, Gross Charge-offs      
Revolving Loans Amortized Cost Basis     13,912
Total     13,912
Republic Credit Solution | Pass or not rated      
Loans      
Year One 8,836   30,607
Year Two 23,834   7,203
Year Three 5,546   579
Year Four 452   454
Year Five 1,209   996
Prior $ 35,351   36,372
Revolving Loans Amortized Cost Basis     54,634
Loans     130,845
Republic Credit Solution | Substandard      
Loans      
Revolving Loans Amortized Cost Basis     1,517
Loans     $ 1,517