REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)

3 Months Ended

Mar. 31, 2019

REVENUE FROM CONTRACTS WITH CUSTOMERS

Schedule of net revenues by reportable segments

	Three Months Ended March 31, 2019
	Core Banking												Republic Processing Group
										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)	$	41,347		$	2,895		$	102		$	44,344		$	20,438		$	7,517		$	27,955		$	72,299
Noninterest income:
Service charges on deposit accounts		3,293			10			—			3,303			—			—			—			3,303
Net refund transfer fees		—			—			—			—			17,100			—			17,100			17,100
Mortgage banking income(1)		—			—			1,539			1,539			—			—			—			1,539
Interchange fee income		2,626			—			—			2,626			131			—			131			2,757
Program fees(1)		—			—			—			—			146			928			1,074			1,074
Increase in cash surrender value of BOLI(1)		382			—			—			382			—			—			—			382
Net gains (losses) on OREO		130			—			—			130			—			—			—			130
Other		465			—			40			505			—			627			627			1,132
Total noninterest income		6,896			10			1,579			8,485			17,377			1,555			18,932			27,417
Total net revenue	$	48,243		$	2,905		$	1,681		$	52,829		$	37,815		$	9,072		$	46,887		$	99,716
Net-revenue concentration(2)		48	%		3	%		2	%		53	%		38	%		9	%		47	%		100	%

	Three Months Ended March 31, 2018
	Core Banking												Republic Processing Group
										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)	$	38,188		$	3,591		$	72		$	41,851		$	18,686		$	7,128		$	25,814		$	67,665
Noninterest income:
Service charges on deposit accounts		3,547			8			—			3,555			—			—			—			3,555
Net refund transfer fees		—			—			—			—			16,352			—			16,352			16,352
Mortgage banking income(1)		—			—			1,020			1,020			—			—			—			1,020
Interchange fee income		2,538			—			—			2,538			109			20			129			2,667
Program fees(1)		—			—			—			—			59			1,637			1,696			1,696
Increase in cash surrender value of BOLI(1)		371			—			—			371			—			—			—			371
Net gains (losses) on OREO		132			—			—			132			—			—			—			132
Other		414			—			38			452			1,001			299			1,300			1,752
Total noninterest income		7,002			8			1,058			8,068			17,521			1,956			19,477			27,545
Total net revenue	$	45,190		$	3,599		$	1,130		$	49,919		$	36,207		$	9,084		$	45,291		$	95,210
Net-revenue concentration(2)		47	%		4	%		1	%		52	%		38	%		10	%		48	%		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.