FDIC Certificate #: 58271 Status: Active Federal Reserve ID: 3596894 Date Established: April 30, 2007 WWW:http://www.republicbankaz.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 445212 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 30, 2007 Last Structure Change Effective Date: July 01, 2010 Last Structure Change Process Date: July 01, 2010 Last Data Update: July 01, 2010 Data Source Date: April 05, 2012
Location
Address: 909 East Missouri Avenue, Phoenix, AZ 85014 County: Maricopa Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Phoenix Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Phoenix-Mesa, AZ (#6200) Core Based Statistical Area (CBSA): Phoenix-Mesa-Glendale, AZ (#38060) CBSA Metro Statistical Area: Phoenix-Mesa-Glendale, AZ (#38060)
Financial Summary
Total assets: $65.8 mil Equity capital: $7.9 mil Deposits held in domestic offices: $53.8 mil Return on assets (ROA): 4.20% ($2.8 mil) Quarterly return on assets: 10.21% ($6.7 mil) Return on Equity (ROE): 42.09% ($3.4 mil) Quarterly return on equity: 95.06% ($7.6 mil) Net income: $2.5 mil Quarterly Net income: $1.7 mil Pretax return on assets: 4.20% ($2,763.3 mil) Quarterly Pretax return on assets: 10.21% ($6,717.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
24Total employees (full-time equivalent)
$65,794Total assets
$10,043Cash and due from depository institutions
$9,442Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$53,764Net loans & leases
$1,197Loan loss allowance
$0Trading account assets
$279Bank premises and fixed assets
$268Other real estate owned
$0Goodwill and other intangibles
$65,794Life insurance assets
$1,440All other assets
$57,929Total liabilities and capital
$53,848Total liabilities
$41,762Total deposits
$53,848Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,750Trading liabilities
$0Other borrowed funds
$331Subordinated debt
$7,865All other liabilities
$7,865Total equity capital
$7,865Total bank equity capital
$0Perpetual preferred stock
$1,295Common stock
$10,676Surplus
$-4,106Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,428Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,326Income earned, not collected on loans
$0Earning assets
$212Long-term assets (5+ years)
$63,206Average Assets, year-to-date
$16,244Average Assets, quarterly
$60,202Volatile liabilities
$65,430Insider loans
$53,150FHLB advances
$67,731Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,865Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,762Restructured Loans and leases
$1,080Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,692Total interest income
$730Total interest expense
$2,962Net interest income
-$153Provision for loan and lease losses
$2,722Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$2,649Additional noninterest income
$3,308Total noninterest expense
$2,354Salaries and employee benefits
$344Premises and equipment expense
$610Additional noninterest expense
$2,529Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,529Income before extraordinary items
$0Extraordinary gains - net
$2,529Net income attributable to bank
$0Net charge-offs
$2,529Cash dividends
-$316Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.35%Yield on earning assets
1.26%Cost of funding earning assets
5.09%Net interest margin
4.68%Noninterest income to earning assets
5.69%Noninterest expense to earning assets
4.20%Net operating income to assets
4.20%Return on assets (ROA)
4.20%Pretax return on assets
42.09%Return on equity (ROE)
42.09%Retained earnings to average equity (YTD only)
-0.63%Net charge-offs to loans
48.42%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,198Assets per employee
2.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.18%Loss allowance to noncurrent loans
90.27%Noncurrent assets plus other real estate owned to assets
2.42%Noncurrent loans to loans
2.41%Net loans and leases to deposits
99.84%Net loans and leases to core deposits
121.65%Equity capital to assets
11.95%Core capital (leverage) ratio
11.61%Tier 1 risk-based capital ratio
14.80%Total risk-based capital ratio
Memoranda
$16Average assets
$60,202Average earning assets
$6,009Average equity
$58,142Average loans
List of branches
1 Arizona Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
445212
Republicbankaz, N.A.
909 East Missouri Avenue, Phoenix, AZ 85014
April 30, 2007
Full Service Brick and Mortar
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