REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)

9 Months Ended

Sep. 30, 2018

REVENUE FROM CONTRACTS WITH CUSTOMERS

Schedule of net revenues by reportable segments

	Three Months Ended September 30, 2018
	Core Banking												Republic Processing Group ("RPG")
										Total			Tax			Republic
	Traditional			Warehouse			Mortgage			Core			Refund			Credit			Total			Total
(dollars in thousands)	Banking			Lending			Banking			Banking			Solutions			Solutions			RPG			Company
Net interest income(1)	$	40,655		$	4,414		$	133		$	45,202		$	113		$	7,718		$	7,831		$	53,033
Noninterest income:
Service charges on deposit accounts		3,568			11			—			3,579			—			—			—			3,579
Net refund transfer fees		—			—			—			—			149			—			149			149
Mortgage banking income(1)		—			—			1,360			1,360			—			—			—			1,360
Interchange fee income		2,721			—			—			2,721			22			14			36			2,757
Program fees(1)		—			—			—			—			93			1,593			1,686			1,686
Increase in cash surrender value of BOLI(1)		385			—			—			385			—			—			—			385
Net gains (losses) on OREO		248			—			—			248			—			—			—			248
Other		942			—			124			1,066			—			235			235			1,301
Total noninterest income		7,864			11			1,484			9,359			264			1,842			2,106			11,465
Total net revenue	$	48,519		$	4,425		$	1,617		$	54,561		$	377		$	9,560		$	9,937		$	64,498
Net-revenue concentration(2)		74	%		7	%		3	%		84	%		1	%		15	%		16	%		100	%

	Three Months Ended September 30, 2017
	Core Banking												Republic Processing Group ("RPG")
										Total			Tax			Republic
	Traditional			Warehouse			Mortgage			Core			Refund			Credit			Total			Total
(dollars in thousands)	Banking			Lending			Banking			Banking			Solutions			Solutions			RPG			Company
Net interest income(1)	$	37,396		$	4,737		$	102		$	42,235		$	60		$	6,012		$	6,072		$	48,307
Noninterest income:
Service charges on deposit accounts		3,384			11			—			3,395			—			—			—			3,395
Net refund transfer fees		—			—			—			—			177			—			177			177
Mortgage banking income(1)		—			—			1,102			1,102			—			—			—			1,102
Interchange fee income		2,432			—			—			2,432			16			27			43			2,475
Program fees(1)		—			—			—			—			63			1,534			1,597			1,597
Increase in cash surrender value of BOLI(1)		394			—			—			394			—			—			—			394
Net gains (losses) on OREO		31			—			—			31			—			—			—			31
Other		889			—			65			954			—			249			249			1,203
Total noninterest income		7,130			11			1,167			8,308			256			1,810			2,066			10,374
Total net revenue	$	44,526		$	4,748		$	1,269		$	50,543		$	316		$	7,822		$	8,138		$	58,681
Net-revenue concentration(2)		76	%		8	%		2	%		86	%		1	%		13	%		14	%		100	%

(1) This revenue is not subject to ASU 2014-09, Revenue from Contracts with Customers.

(2) Net revenue represents net interest income plus total noninterest income. Net-revenue concentration equals segment-level net revenue divided by total Company net revenue.

	Nine Months Ended September 30, 2018
	Core Banking												Republic Processing Group ("RPG")
										Total			Tax			Republic
	Traditional			Warehouse			Mortgage			Core			Refund			Credit			Total			Total
(dollars in thousands)	Banking			Lending			Banking			Banking			Solutions			Solutions			RPG			Company
Net interest income(1)	$	118,191		$	12,169		$	308		$	130,668		$	19,127		$	21,987		$	41,114		$	171,782
Noninterest income:
Service charges on deposit accounts		10,678			30			—			10,708			—			—			—			10,708
Net refund transfer fees		—			—			—			—			19,974			—			19,974			19,974
Mortgage banking income(1)		—			—			3,696			3,696			—			—			—			3,696
Interchange fee income		8,052			—			—			8,052			210			53			263			8,315
Program fees(1)		—			—			—			—			276			4,429			4,705			4,705
Increase in cash surrender value of BOLI(1)		1,135			—			—			1,135			—			—			—			1,135
Net gains (losses) on OREO		700			—			—			700			—			—			—			700
Other		2,026			—			211			2,237			1,002			834			1,836			4,073
Total noninterest income		22,591			30			3,907			26,528			21,462			5,316			26,778			53,306
Total net revenue	$	140,782		$	12,199		$	4,215		$	157,196		$	40,589		$	27,303		$	67,892		$	225,088
Net-revenue concentration*		63	%		5	%		2	%		70	%		18	%		12	%		30	%		100	%

	Nine Months Ended September 30, 2017
	Core Banking												Republic Processing Group ("RPG")
										Total			Tax			Republic
	Traditional			Warehouse			Mortgage			Core			Refund			Credit			Total			Total
(dollars in thousands)	Banking			Lending			Banking			Banking			Solutions			Solutions			RPG			Company
Net interest income(1)	$	103,490		$	13,073		$	255		$	116,818		$	15,179		$	15,885		$	31,064		$	147,882
Noninterest income:
Service charges on deposit accounts		10,044			27			—			10,071			(39)			—			(39)			10,032
Net refund transfer fees		—			—			—			—			18,329			—			18,329			18,329
Mortgage banking income(1)		—			—			3,707			3,707			—			—			—			3,707
Interchange fee income		7,106			—			—			7,106			187			55			242			7,348
Program fees(1)		—			—			—			—			103			3,869			3,972			3,972
Increase in cash surrender value of BOLI(1)		1,178			—			—			1,178			—			—			—			1,178
Net gains (losses) on OREO		397			—			25			422			—			—			—			422
Other		1,893			—			167			2,060			4			1,172			1,176			3,236
Total noninterest income		20,618			27			3,899			24,544			18,584			5,096			23,680			48,224
Total net revenue	$	124,108		$	13,100		$	4,154		$	141,362		$	33,763		$	20,981		$	54,744		$	196,106
Net-revenue concentration*		63	%		7	%		2	%		72	%		17	%		11	%		28	%		100	%

(1) This revenue is not subject to ASU 2014-09, Revenue from Contracts with Customers.

(2) Net revenue represents net interest income plus total noninterest income. Net-revenue concentration equals segment-level net revenue divided by total Company net revenue.