XML 109 R64.htm IDEA: XBRL DOCUMENT v3.20.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE ACTIVITY (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Allowance for loan losses rollforward    
Beginning Balance $ 43,351 $ 44,675
Provision 22,514 17,231
Charged-off (3,275) (4,453)
Recoveries 1,107 508
Ending Balance $ 70,431 57,961
Minimum    
Allowance for loan losses rollforward    
Percentage of unemployment rate 8.00%  
Core Banking Activities    
Allowance for loan losses rollforward    
Beginning Balance $ 29,999 31,519
Provision 5,675 414
Charged-off (522) (612)
Recoveries 794 248
Ending Balance 42,680 31,569
Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 28,205 30,347
Provision 5,343 189
Charged-off (522) (612)
Recoveries 794 248
Ending Balance 40,554 30,172
Republic Processing Group    
Allowance for loan losses rollforward    
Beginning Balance 13,352 13,156
Provision 16,839 16,817
Charged-off (2,753) (3,841)
Recoveries 313 260
Ending Balance 27,751 26,392
Residential Real Estate - Owner Occupied | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 4,729 6,035
Provision 447 (255)
Charged-off (27) (17)
Recoveries 39 38
Ending Balance 9,387 5,801
Residential Real Estate - Non Owner Occupied | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 1,737 1,662
Provision 278 130
Charged-off   (72)
Recoveries 2  
Ending Balance 2,165 1,720
Commercial Real Estate | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 10,486 10,030
Provision 2,151 203
Recoveries 471 2
Ending Balance 13,381 10,235
Construction & land development | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 2,152 2,555
Provision 937 (112)
Ending Balance 4,536 2,443
Commercial & industrial | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 2,882 2,873
Provision 974 360
Recoveries 3 2
Ending Balance 2,541 3,235
Lease Financing Receivables | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 147 158
Provision (14) (8)
Ending Balance 133 150
Home equity lines of credit | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 2,721 3,477
Provision 842 (157)
Charged-off   (13)
Recoveries 75 30
Ending Balance 5,290 3,337
Consumer: Credit cards | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 1,020 1,140
Provision 22 65
Charged-off (106) (150)
Recoveries 9 24
Ending Balance 978 1,079
Consumer: Overdrafts | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 1,169 1,102
Provision (122) 19
Charged-off (344) (294)
Recoveries 55 65
Ending Balance 758 892
Consumer: Automobile loan | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 612 724
Provision (79) 38
Charged-off (8)  
Recoveries 28 6
Ending Balance 546 768
Other consumer | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 550 591
Provision (93) (94)
Charged-off (37) (66)
Recoveries 112 81
Ending Balance 839 512
Warehouse lines of credit | Core Banking Activities    
Allowance for loan losses rollforward    
Beginning Balance 1,794 1,172
Provision 332 225
Ending Balance 2,126 1,397
Easy Advances | Republic Processing Group    
Allowance for loan losses rollforward    
Provision 15,228 13,381
Recoveries 42  
Ending Balance 15,270 13,381
Other TRS loans | Republic Processing Group    
Allowance for loan losses rollforward    
Beginning Balance 234 107
Provision (95) 53
Charged-off (44) (17)
Recoveries   6
Ending Balance 95 149
Republic Credit Solutions | Republic Processing Group    
Allowance for loan losses rollforward    
Beginning Balance 13,118 13,049
Provision 1,706 3,383
Charged-off (2,709) (3,824)
Recoveries 271 254
Ending Balance 12,386 $ 12,862
ASU 2016-13    
Allowance for loan losses rollforward    
Beginning Balance 50,085  
ASU 2016-13 | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 6,734  
ASU 2016-13 | Core Banking Activities    
Allowance for loan losses rollforward    
Beginning Balance 36,733  
ASU 2016-13 | Core Banking Activities | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 6,734  
ASU 2016-13 | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 34,939  
ASU 2016-13 | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 6,734  
ASU 2016-13 | Republic Processing Group    
Allowance for loan losses rollforward    
Beginning Balance 13,352  
ASU 2016-13 | Residential Real Estate - Owner Occupied | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 8,928  
ASU 2016-13 | Residential Real Estate - Owner Occupied | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 4,199  
ASU 2016-13 | Residential Real Estate - Non Owner Occupied | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 1,885  
ASU 2016-13 | Residential Real Estate - Non Owner Occupied | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 148  
ASU 2016-13 | Commercial Real Estate | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 10,759  
ASU 2016-13 | Commercial Real Estate | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 273  
ASU 2016-13 | Construction & land development | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 3,599  
ASU 2016-13 | Construction & land development | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 1,447  
ASU 2016-13 | Commercial & industrial | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 1,564  
ASU 2016-13 | Commercial & industrial | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance (1,318)  
ASU 2016-13 | Lease Financing Receivables | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 147  
ASU 2016-13 | Home equity lines of credit | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 4,373  
ASU 2016-13 | Home equity lines of credit | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 1,652  
ASU 2016-13 | Consumer: Credit cards | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 1,053  
ASU 2016-13 | Consumer: Credit cards | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 33  
ASU 2016-13 | Consumer: Overdrafts | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 1,169  
ASU 2016-13 | Consumer: Automobile loan | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 605  
ASU 2016-13 | Consumer: Automobile loan | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance (7)  
ASU 2016-13 | Other consumer | Traditional Banking    
Allowance for loan losses rollforward    
Beginning Balance 857  
ASU 2016-13 | Other consumer | Traditional Banking | Adjustment    
Allowance for loan losses rollforward    
Beginning Balance 307  
ASU 2016-13 | Warehouse lines of credit | Core Banking Activities    
Allowance for loan losses rollforward    
Beginning Balance 1,794  
ASU 2016-13 | Other TRS loans | Republic Processing Group    
Allowance for loan losses rollforward    
Beginning Balance 234  
ASU 2016-13 | Republic Credit Solutions | Republic Processing Group    
Allowance for loan losses rollforward    
Beginning Balance $ 13,118