LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

6 Months Ended

Jun. 30, 2022

LOANS AND ALLOWANCE FOR CREDIT LOSSES

Schedule of composition of loan portfolio

(in thousands)	June 30, 2022		December 31, 2021
Traditional Banking:
Residential real estate:
Owner occupied	$	832,137	$	820,731
Nonowner occupied		313,534		306,323
Commercial real estate		1,569,119		1,456,009
Construction & land development		137,452		129,337
Commercial & industrial		394,175		340,363
Paycheck Protection Program		14,657		56,014
Lease financing receivables		11,345		8,637
Aircraft		159,958		142,894
Home equity		214,069		210,578
Consumer:
Credit cards		15,419		14,510
Overdrafts		901		683
Automobile loans		9,579		14,448
Other consumer		1,245		1,432
Total Traditional Banking		3,673,590		3,501,959
Warehouse lines of credit*		596,678		850,550
Total Core Banking		4,270,268		4,352,509
Republic Processing Group*:
Tax Refund Solutions:
Easy Advances		—		—
Other TRS loans		149		50,987
Republic Credit Solutions		91,816		93,066
Total Republic Processing Group		91,965		144,053
Total loans**		4,362,233		4,496,562
Allowance for credit losses		(64,449)		(64,577)
Total loans, net	$	4,297,784	$	4,431,985

*Identifies loans to borrowers located primarily outside of the Bank’s market footprint.

**Total loans are presented inclusive of premiums, discounts, and net loan origination fees and costs. See table directly below for expanded detail.

Schedule that reconciles the contractually receivable and carrying amounts of loans

(in thousands)	June 30, 2022		December 31, 2021
Contractually receivable	$	4,364,937	$	4,498,671
Unearned income		(679)		(542)
Unamortized premiums		111		116
Unaccreted discounts		(574)		(641)
PPP net unamortized deferred origination (fees) and costs		(303)		(1,203)
Other net unamortized deferred origination (fees) and costs		(1,259)		161
Carrying value of loans	$	4,362,233	$	4,496,562

Schedule of the risk category of loans by class of loans based on the bank's internal analysis performed

											Revolving Loans		Revolving Loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year										Amortized		Converted
As of June 30, 2022	2022		2021		2020		2019		Prior		Cost Basis		to Term		Total
Residential real estate owner occupied:
Risk Rating
Pass or not rated	$	95,596	$	201,218	$	200,132	$	78,397	$	235,958	$	—	$	—	$	811,301
Special Mention		—		—		—		189		7,681		—		—		7,870
Substandard		—		4		1,089		1,356		10,517		—		—		12,966
Doubtful		—		—		—		—		—		—		—		—
Total	$	95,596	$	201,222	$	201,221	$	79,942	$	254,156	$	—	$	—	$	832,137
Residential real estate nonowner occupied:
Risk Rating
Pass or not rated	$	45,525	$	98,419	$	58,325	$	36,582	$	68,566	$	—	$	5,863	$	313,280
Special Mention		—		—		—		—		126		—		—		126
Substandard		—		38		—		—		90		—		—		128
Doubtful		—		—		—		—		—		—		—		—
Total	$	45,525	$	98,457	$	58,325	$	36,582	$	68,782	$	—	$	5,863	$	313,534
Commercial real estate:
Risk Rating
Pass or not rated	$	252,650	$	439,645	$	228,470	$	145,692	$	315,211	$	24,040	$	104,446	$	1,510,154
Special Mention		1,324		13,043		2,406		23,495		15,431		250		—		55,949
Substandard		—		—		—		—		3,016		—		—		3,016
Doubtful		—		—		—		—		—		—		—		—
Total	$	253,974	$	452,688	$	230,876	$	169,187	$	333,658	$	24,290	$	104,446	$	1,569,119
Construction and land development:
Risk Rating
Pass or not rated	$	50,812	$	76,293	$	5,013	$	770	$	2,744	$	1,820	$	—	$	137,452
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	50,812	$	76,293	$	5,013	$	770	$	2,744	$	1,820	$	—	$	137,452
Commercial and industrial:
Risk Rating
Pass or not rated	$	53,046	$	91,908	$	26,068	$	46,155	$	52,459	$	104,097	$	2,824	$	376,557
Special Mention		591		14,083		—		693		1,831		300		—		17,498
Substandard		—		—		—		120		—		—		—		120
Doubtful		—		—		—		—		—		—		—		—
Total	$	53,637	$	105,991	$	26,068	$	46,968	$	54,290	$	104,397	$	2,824	$	394,175
Paycheck Protection Program:
Risk Rating
Pass or not rated	$	—	$	12,207	$	2,450	$	—	$	—	$	—	$	—	$	14,657
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	12,207	$	2,450	$	—	$	—	$	—	$	—	$	14,657
Lease financing receivables:
Risk Rating
Pass or not rated	$	4,423	$	2,283	$	617	$	2,231	$	1,791	$	—	$	—	$	11,345
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	4,423	$	2,283	$	617	$	2,231	$	1,791	$	—	$	—	$	11,345
Aircraft:
Risk Rating
Pass or not rated	$	32,905	$	59,236	$	39,231	$	20,316	$	8,270	$	—	$	—	$	159,958
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	32,905	$	59,236	$	39,231	$	20,316	$	8,270	$	—	$	—	$	159,958
Home equity:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	212,580	$	—	$	212,580
Special Mention		—		—		—		—		—		348		—		348
Substandard		—		—		—		—		—		1,141		—		1,141
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	214,069	$	—	$	214,069

											Revolving Loans		Revolving Loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year (Continued)										Amortized		Converted
As of June 30, 2022	2022		2021		2020		2019		Prior		Cost Basis		to Term		Total
Consumer:
Risk Rating
Pass or not rated	$	828	$	682	$	280	$	3,430	$	6,065	$	15,522	$	—	$	26,807
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		13		324		—		—		337
Doubtful		—		—		—		—		—		—		—		—
Total	$	828	$	682	$	280	$	3,443	$	6,389	$	15,522	$	—	$	27,144
Warehouse:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	596,678	$	—	$	596,678
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	596,678	$	—	$	596,678
TRS:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	149	$	—	$	149
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	149	$	—	$	149
RCS:
Risk Rating
Pass or not rated	$	4,438	$	3,319	$	2,049	$	1,198	$	27,648	$	52,806	$	—	$	91,458
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		358		—		358
Doubtful		—		—		—		—		—		—		—		—
Total	$	4,438	$	3,319	$	2,049	$	1,198	$	27,648	$	53,164	$	—	$	91,816
Grand Total:
Risk Rating
Pass or not rated	$	540,223	$	985,210	$	562,635	$	334,771	$	718,712	$	1,007,692	$	113,133	$	4,262,376
Special Mention		1,915		27,126		2,406		24,377		25,069		898		—		81,791
Substandard		—		42		1,089		1,489		13,947		1,499		—		18,066
Doubtful		—		—		—		—		—		—		—		—
Grand Total	$	542,138	$	1,012,378	$	566,130	$	360,637	$	757,728	$	1,010,089	$	113,133	$	4,362,233

											Revolving Loans		Revolving Loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year										Amortized		Converted
As of December 31, 2021	2021		2020		2019		2018		Prior		Cost Basis		to Term		Total
Residential real estate owner occupied:
Risk Rating
Pass or not rated	$	218,981	$	213,010	$	89,186	$	50,301	$	226,852	$	—	$	—	$	798,330
Special Mention		301		—		—		33		8,209		—		—		8,543
Substandard		45		870		679		1,189		11,075		—		—		13,858
Doubtful		—		—		—		—		—		—		—		—
Total	$	219,327	$	213,880	$	89,865	$	51,523	$	246,136	$	—	$	—	$	820,731
Residential real estate nonowner occupied:
Risk Rating
Pass or not rated	$	107,041	$	65,786	$	44,376	$	29,292	$	55,872	$	—	$	3,729	$	306,096
Special Mention		—		—		—		—		132		—		—		132
Substandard		—		—		—		—		95		—		—		95
Doubtful		—		—		—		—		—		—		—		—
Total	$	107,041	$	65,786	$	44,376	$	29,292	$	56,099	$	—	$	3,729	$	306,323
Commercial real estate:
Risk Rating
Pass or not rated	$	472,095	$	256,039	$	153,224	$	94,212	$	286,223	$	25,188	$	80,211	$	1,367,192
Special Mention		20,059		2,399		29,639		11,207		18,778		—		—		82,082
Substandard		—		111		266		2,453		3,905		—		—		6,735
Doubtful		—		—		—		—		—		—		—		—
Total	$	492,154	$	258,549	$	183,129	$	107,872	$	308,906	$	25,188	$	80,211	$	1,456,009
Construction and land development:
Risk Rating
Pass or not rated	$	88,743	$	30,593	$	2,599	$	1,155	$	128	$	1,925	$	—	$	125,143
Special Mention		—		524		3,670		—		—		—		—		4,194
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	88,743	$	31,117	$	6,269	$	1,155	$	128	$	1,925	$	—	$	129,337
Commercial and industrial:
Risk Rating
Pass or not rated	$	105,148	$	34,361	$	54,524	$	18,110	$	44,972	$	60,454	$	2,541	$	320,110
Special Mention		15,015		1,921		785		34		1,956		350		—		20,061
Substandard		—		13		179		—		—		—		—		192
Doubtful		—		—		—		—		—		—		—		—
Total	$	120,163	$	36,295	$	55,488	$	18,144	$	46,928	$	60,804	$	2,541	$	340,363

											Revolving Loans		Revolving Loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year (Continued)										Amortized		Converted
As of December 31, 2021	2021		2020		2019		2018		Prior		Cost Basis		to Term		Total
Paycheck Protection Program:
Risk Rating
Pass or not rated	$	40,607	$	15,407	$	—	$	—	$	—	$	—	$	—	$	56,014
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	40,607	$	15,407	$	—	$	—	$	—	$	—	$	—	$	56,014
Lease financing receivables:
Risk Rating
Pass or not rated	$	2,638	$	839	$	2,641	$	1,264	$	1,255	$	—	$	—	$	8,637
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	2,638	$	839	$	2,641	$	1,264	$	1,255	$	—	$	—	$	8,637
Aircraft:
Risk Rating
Pass or not rated	$	65,886	$	43,301	$	22,933	$	9,119	$	1,655	$	—	$	—	$	142,894
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	65,886	$	43,301	$	22,933	$	9,119	$	1,655	$	—	$	—	$	142,894
Home equity:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	208,429	$	—	$	208,429
Special Mention		—		—		—		—		—		279		—		279
Substandard		—		—		—		—		—		1,870		—		1,870
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	210,578	$	—	$	210,578
Consumer:
Risk Rating
Pass or not rated	$	978	$	417	$	4,694	$	4,326	$	5,768	$	14,613	$	—	$	30,796
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		22		61		194		—		—		277
Doubtful		—		—		—		—		—		—		—		—
Total	$	978	$	417	$	4,716	$	4,387	$	5,962	$	14,613	$	—	$	31,073
Warehouse:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	850,550	$	—	$	850,550
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	850,550	$	—	$	850,550
TRS:
Risk Rating
Pass or not rated	$	—	$	—	$	—	$	—	$	—	$	50,987	$	—	$	50,987
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	50,987	$	—	$	50,987
RCS:
Risk Rating
Pass or not rated	$	5,524	$	3,409	$	1,642	$	869	$	3,699	$	77,544	$	—	$	92,687
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		379		—		379
Doubtful		—		—		—		—		—		—		—		—
Total	$	5,524	$	3,409	$	1,642	$	869	$	3,699	$	77,923	$	—	$	93,066
Grand Total:
Risk Rating
Pass or not rated	$	1,107,641	$	663,162	$	375,819	$	208,648	$	626,424	$	1,289,690	$	86,481	$	4,357,865
Special Mention		35,375		4,844		34,094		11,274		29,075		629		—		115,291
Substandard		45		994		1,146		3,703		15,269		2,249		—		23,406
Doubtful		—		—		—		—		—		—		—		—
Grand Total	$	1,143,061	$	669,000	$	411,059	$	223,625	$	670,768	$	1,292,568	$	86,481	$	4,496,562

Schedule of activity in the ACLL for loan and lease losses

	ACLL Rollforward
	Three Months Ended June 30,
	2022										2021
	Beginning				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Traditional Banking:
Residential real estate:
Owner occupied	$	8,358	$	62	$	—	$	25	$	8,445	$	9,489	$	(530)	$	—	$	18	$	8,977
Nonowner occupied		2,746		(14)		—		1		2,733		2,532		18		—		1		2,551
Commercial real estate		24,624		(284)		—		1		24,341		23,801		(506)		—		12		23,307
Construction & land development		3,893		(302)		—		—		3,591		3,593		(294)		—		—		3,299
Commercial & industrial		3,412		348		—		8		3,768		2,718		1,395		—		4		4,117
Paycheck Protection Program		—		—		—		—		—		—		—		—		—		—
Lease financing receivables		109		10		—		—		119		104		(7)		—		—		97
Aircraft		378		22		—		—		400		265		38		—		—		303
Home equity		4,044		(40)		—		109		4,113		4,615		(344)		—		34		4,305
Consumer:
Credit cards		944		59		(31)		22		994		930		42		(33)		10		949
Overdrafts		716		315		(194)		64		901		473		281		(111)		74		717
Automobile loans		151		(32)		—		3		122		334		(66)		—		5		273
Other consumer		241		(38)		(20)		17		200		533		(57)		(17)		8		467
Total Traditional Banking		49,616		106		(245)		250		49,727		49,387		(30)		(161)		166		49,362
Warehouse lines of credit		1,725		(234)		—		—		1,491		2,165		(65)		—		—		2,100
Total Core Banking		51,341		(128)		(245)		250		51,218		51,552		(95)		(161)		166		51,462
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		8,315		564		(11,505)		2,626		—		16,019		(5,793)		(10,256)		30		—
Other TRS loans		55		(204)		(153)		302		—		10		20		(30)		—		—
Republic Credit Solutions		11,945		3,433		(2,411)		264		13,231		7,755		1,592		(597)		79		8,829
Total Republic Processing Group		20,315		3,793		(14,069)		3,192		13,231		23,784		(4,181)		(10,883)		109		8,829
Total	$	71,656	$	3,665	$	(14,314)	$	3,442	$	64,449	$	75,336	$	(4,276)	$	(11,044)	$	275	$	60,291

	ACLL Rollforward
	Six Months Ended June 30,
	2022										2021
	Beginning				Charge-				Ending			Beginning			Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance			Balance	Provision		offs		Recoveries		Balance
Traditional Banking:
Residential real estate:
Owner occupied	$	8,647	$	(269)	$	—	$	67	$	8,445	$	9,715	$	(783)	$	—	$	45	$	8,977
Nonowner occupied		2,700		31		—		2		2,733		2,466		84		—		1		2,551
Commercial real estate		23,769		570		—		2		24,341		23,606		49		(428)		80		23,307
Construction & land development		4,128		(537)		—		—		3,591		3,274		25		—		—		3,299
Commercial & industrial		3,487		264		—		17		3,768		2,797		1,309		—		11		4,117
Paycheck Protection Program		—		—		—		—		—		—		—		—		—		—
Lease financing receivables		91		28		—		—		119		106		(9)		—		—		97
Aircraft		357		43		—		—		400		253		50		—		—		303
Home equity		4,111		(110)		—		112		4,113		4,990		(726)		—		41		4,305
Consumer:
Credit cards		934		91		(70)		39		994		929		86		(90)		24		949
Overdrafts		683		503		(408)		123		901		587		208		(249)		171		717
Automobile loans		186		(68)		—		4		122		399		(144)		—		18		273
Other consumer		314		(113)		(30)		29		200		577		(109)		(31)		30		467
Total Traditional Banking		49,407		433		(508)		395		49,727		49,699		40		(798)		421		49,362
Warehouse lines of credit		2,126		(635)		—		—		1,491		2,407		(307)		—		—		2,100
Total Core Banking		51,533		(202)		(508)		395		51,218		52,106		(267)		(798)		421		51,462
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		8,879		(11,505)		2,626		—		—		10,226		(10,256)		30		—
Other TRS loans		96		(607)		(153)		664		—		158		(115)		(51)		8		—
Republic Credit Solutions		12,948		4,828		(5,084)		539		13,231		8,803		1,217		(1,362)		171		8,829
Total Republic Processing Group		13,044		13,100		(16,742)		3,829		13,231		8,961		11,328		(11,669)		209		8,829
Total	$	64,577	$	12,898	$	(17,250)	$	4,224	$	64,449	$	61,067	$	11,061	$	(12,467)	$	630	$	60,291

Schedule of non-performing loans and non-performing assets and select credit quality ratios

(dollars in thousands)	June 30, 2022			December 31, 2021
Loans on nonaccrual status*	$	16,168		$	20,504
Loans past due 90-days-or-more and still on accrual**		42			48
Total nonperforming loans		16,210			20,552
Other real estate owned		1,687			1,792
Total nonperforming assets	$	17,897		$	22,344
Credit Quality Ratios - Total Company:
Nonperforming loans to total loans		0.37	%		0.46	%
Nonperforming assets to total loans (including OREO)		0.41			0.50
Nonperforming assets to total assets		0.29			0.37
Credit Quality Ratios - Core Bank:
Nonperforming loans to total loans		0.38	%		0.47	%
Nonperforming assets to total loans (including OREO)		0.42			0.51
Nonperforming assets to total assets		0.32			0.40

* Loans on nonaccrual status include collateral-dependent loans.

** Loans past due 90-days-or-more and still accruing consist of smaller balance consumer loans.

Schedule of recorded investment in non-accrual loans

					Past Due 90-Days-or-More
	Nonaccrual				and Still Accruing Interest*
(in thousands)	June 30, 2022		December 31, 2021		June 30, 2022		December 31, 2021
Traditional Banking:
Residential real estate:
Owner occupied	$	11,538	$	12,039	$	—	$	—
Nonowner occupied		128		95		—		—
Commercial real estate		3,228		6,557		—		—
Construction & land development		—		—		—		—
Commercial & industrial		—		13		—		—
Paycheck Protection Program		—		—		—		—
Lease financing receivables		—		—		—		—
Aircraft		—		—		—		—
Home equity		1,016		1,700		—		—
Consumer:
Credit cards		—		—		—		—
Overdrafts		—		—		—		1
Automobile loans		36		97		—		—
Other consumer		222		3		—		—
Total Traditional Banking		16,168		20,504		—		1
Warehouse lines of credit		—		—		—		—
Total Core Banking		16,168		20,504		—		1
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—		—		—		—
Other TRS loans		—		—		—		—
Republic Credit Solutions		—		—		42		47
Total Republic Processing Group		—		—		42		47
Total	$	16,168	$	20,504	$	42	$	48

* Loans past due 90-days-or-more and still accruing consist of smaller balance consumer loans.

							Three Months Ended		Six Months Ended
	As of June 30, 2022						June 30, 2022		June 30, 2022
	Nonaccrual		Nonaccrual		Total		Interest Income		Interest Income
	Loans with		Loans without		Nonaccrual		Recognized		Recognized
(in thousands)	ACLL		ACLL		Loans		on Nonaccrual Loans*		on Nonaccrual Loans*
Residential real estate:
Owner occupied	$	18	$	11,520	$	11,538	$	154	$	257
Nonowner occupied		37		91		128		1		1
Commercial real estate		3,228		—		3,228		14		644
Construction & land development		—		—		—		—		—
Commercial & industrial		—		—		—		—		—
Paycheck Protection Program		—		—		—		—		—
Lease financing receivables		—		—		—		—		—
Aircraft		—		—		—		—		—
Home equity		—		1,016		1,016		84		146
Consumer		11		247		258		48		52
Total	$	3,294	$	12,874	$	16,168	$	301	$	1,100

* Includes interest income for loans on nonaccrual as of the beginning of the period that were paid off during the period.

							Three Months Ended		Six Months Ended
	As of December 31, 2021						June 30, 2021		June 30, 2021
	Nonaccrual		Nonaccrual		Total		Interest Income		Interest Income
	Loans with		Loans without		Nonaccrual		Recognized		Recognized
(in thousands)	ACLL		ACLL		Loans		on Nonaccrual Loans*		on Nonaccrual Loans*
Residential real estate:
Owner occupied	$	1,944	$	10,095	$	12,039	$	166	$	414
Nonowner occupied		31		64		95		2		3
Commercial real estate		4,105		2,452		6,557		36		51
Construction & land development		—		—		—		—		—
Commercial & industrial		—		13		13		—		1
Paycheck Protection Program		—		—		—		—		—
Lease financing receivables		—		—		—		—		—
Aircraft		—		—		—		—		—
Home equity		—		1,700		1,700		26		66
Consumer		17		83		100		2		4
	$	6,097	$	14,407	$	20,504	$	232	$	539

* Includes interest income for loans on nonaccrual as of the beginning of the period that were paid off during the period.

Schedule of aging of the recorded investment in loans by class of loans

	30 - 59			60 - 89			90 or More
June 30, 2022	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,340		$	796		$	333		$	2,469		$	829,668	$	832,137
Nonowner occupied		—			—			41			41			313,493		313,534
Commercial real estate		—			—			2,142			2,142			1,566,977		1,569,119
Construction & land development		—			—			—			—			137,452		137,452
Commercial & industrial		—			321			—			321			393,854		394,175
Paycheck Protection Program		—			—			—			—			14,657		14,657
Lease financing receivables		—			—			—			—			11,345		11,345
Aircraft		—			—			—			—			159,958		159,958
Home equity		8			10			132			150			213,919		214,069
Consumer:
Credit cards		19			5			—			24			15,395		15,419
Overdrafts		196			3			—			199			702		901
Automobile loans		—			—			6			6			9,573		9,579
Other consumer		—			—			—			—			1,245		1,245
Total Traditional Banking		1,563			1,135			2,654			5,352			3,668,238		3,673,590
Warehouse lines of credit		—			—			—			—			596,678		596,678
Total Core Banking		1,563			1,135			2,654			5,352			4,264,916		4,270,268
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—			—			—			—			—		—
Other TRS loans		—			—			—			—			149		149
Republic Credit Solutions		4,914			1,143			42			6,099			85,717		91,816
Total Republic Processing Group		4,914			1,143			42			6,099			85,866		91,965
Total	$	6,477		$	2,278		$	2,696		$	11,451		$	4,350,782	$	4,362,233
Delinquency ratio***		0.15	%		0.05	%		0.06	%		0.26	%

*       All loans past due 90-days-or-more, excluding small balance consumer loans, were on nonaccrual status.

**     Delinquent status may be determined by either the number of days past due or number of payments past due.

***   Represents total loans 30-days-or-more past due by aging category divided by total loans.

	30 - 59			60 - 89			90 or More
December 31, 2021	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	606		$	383		$	610		$	1,599		$	819,132	$	820,731
Nonowner occupied		—			—			—			—			306,323		306,323
Commercial real estate		—			—			5,292			5,292			1,450,717		1,456,009
Construction & land development		—			—			—			—			129,337		129,337
Commercial & industrial		8			—			13			21			340,342		340,363
Paycheck Protection Program		—			—			—			—			56,014		56,014
Lease financing receivables		—			—			—			—			8,637		8,637
Aircraft		—			—			—			—			142,894		142,894
Home equity		38			35			241			314			210,264		210,578
Consumer:
Credit cards		19			11			—			30			14,480		14,510
Overdrafts		160			3			1			164			519		683
Automobile loans		—			—			9			9			14,439		14,448
Other consumer		1			—			—			1			1,431		1,432
Total Traditional Banking		832			432			6,166			7,430			3,494,529		3,501,959
Warehouse lines of credit		—			—			—			—			850,550		850,550
Total Core Banking		832			432			6,166			7,430			4,345,079		4,352,509
Republic Processing Group:
Tax Refund Solutions:
Easy Advances		—			—			—			—			—		—
Other TRS loans		—			—			—			—			50,987		50,987
Republic Credit Solutions		5,010			978			47			6,035			87,031		93,066
Total Republic Processing Group		5,010			978			47			6,035			138,018		144,053
Total	$	5,842		$	1,410		$	6,213		$	13,465		$	4,483,097	$	4,496,562
Delinquency ratio***		0.13	%		0.03	%		0.14	%		0.30	%

*       All loans past due 90-days-or-more, excluding smaller balance consumer loans, were on nonaccrual status.

**    Delinquent status may be determined by either the number of days past due or number of payments past due.

***  Represents total loans 30-days-or-more past due by aging category divided by total loans.

Schedule of amortized cost basis of collateral-dependent loans

	June 30, 2022				December 31, 2021
	Secured		Secured		Secured		Secured
	by Real		by Personal		by Real		by Personal
(in thousands)	Estate		Property		Estate		Property
Traditional Banking:
Residential real estate:
Owner occupied	$	14,050	$	—	$	14,798	$	—
Nonowner occupied		128		—		95		—
Commercial real estate		3,020		—		6,736		—
Construction & land development		—		—		—		—
Commercial & industrial		—		120		—		192
Paycheck Protection Program		—		—		—		—
Lease financing receivables		—		—		—		—
Aircraft		—		—		—		—
Home equity		1,246		—		1,976		—
Consumer		—		281		—		274
Total Traditional Banking	$	18,444	$	401	$	23,605	$	466

Schedule of TDRs differentiated by loan type and accrual status

	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
	Nonaccrual Status			Accrual Status			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2022 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	64	$	3,102	75	$	7,046	139	$	10,148
Commercial real estate	1		2,142	1		883	2		3,025
Commercial & industrial	—		—	1		1	1		1
Consumer	2		14	2,446		424	2,448		438
Total troubled debt restructurings	67	$	5,258	2,523	$	8,354	2,590	$	13,612

	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
	Nonaccrual Status			Accrual Status			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
December 31, 2021 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	63	$	3,179	89	$	7,856	152	$	11,035
Commercial real estate	2		2,575	2		1,239	4		3,814
Commercial & industrial	2		45	1		1	3		46
Consumer	1		12	2,269		479	2,270		491
Total troubled debt restructurings	68	$	5,811	2,361	$	9,575	2,429	$	15,386

Schedule of categories of TDR loan modifications outstanding and respective performance under modified terms

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2022 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Rate reduction	71	$	6,541	4	$	327	75	$	6,868
Principal deferral	6		558	1		157	7		715
Legal modification	48		2,344	9		221	57		2,565
Total residential TDRs	125		9,443	14		705	139		10,148
Commercial related and construction/land development loans:
Rate reduction	1		883	—		—	1		883
Principal deferral	1		1	1		2,142	2		2,143
Total commercial TDRs	2		884	1		2,142	3		3,026
Consumer loans:
Principal deferral	2,444		420	—		—	2,444		420
Legal modification	4		18	—		—	4		18
Total consumer TDRs	2,448		438	—		—	2,448		438
Total troubled debt restructurings	2,575	$	10,765	15	$	2,847	2,590	$	13,612

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
December 31, 2021 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—		—	—		—	—	$	—
Rate reduction	82	$	7,461	4	$	303	86		7,764
Principal deferral	7		729	—		—	7		729
Legal modification	48		2,100	11		442	59		2,542
Total residential TDRs	137		10,290	15		745	152		11,035
Commercial related and construction/land development loans:
Interest only payments	—		—	—		—	—		—
Rate reduction	1		919	—		—	1		919
Principal deferral	5		477	1		2,464	6		2,941
Total commercial TDRs	6		1,396	1		2,464	7		3,860
Consumer loans:
Principal deferral	2,266		470	—		—	2,266		470
Legal modification	4		21	—		—	4		21
Total consumer TDRs	2,270		491	—		—	2,270		491
Total troubled debt restructurings	2,413	$	12,177	16	$	3,209	2,429	$	15,386

Summary of categories of TDR loan modifications that occurred during the period

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2022 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Legal modification	3	$	35	2	$	24	5	$	59
Total residential TDRs	3		35	2		24	5		59
Consumer loans:
Principal deferral	489		77	—		—	489		77
Total consumer TDRs	489		77	—		—	489		77
Total troubled debt restructurings	492	$	112	2	$	24	494	$	136

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2021 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Principal deferral	1	$	16	—	$	—	1	$	16
Legal modification	3		226	1		50	4		276
Total residential TDRs	4		242	1		50	5		292
Consumer loans:
Principal deferral	286		38	—		—	286		38
Legal modification	1		—	—		—	1		—
Total consumer TDRs	287		38	—		—	287		38
Total troubled debt restructurings	291	$	280	1	$	50	292	$	330

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2022 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Legal modification	5	$	477	3	$	51	8	$	528
Total residential TDRs	5		477	3		51	8		528
Consumer loans:
Principal deferral	489		77	—		—	489		77
Total consumer TDRs	489		77	—		—	489		77
Total troubled debt restructurings	494	$	554	3	$	51	497	$	605

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2021 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Principal deferral	1	$	161	—	$	—	1		161
Legal modification	5		279	3		255	8		534
Total residential TDRs	6		440	3		255	9		695
Consumer loans:
Principal deferral	589		69	—		—	589		69
Legal modification	2		3	—		—	2		3
Total consumer TDRs	591		72	—		—	591		72
Total troubled debt restructurings	597	$	512	3	$	255	600	$	767

The tables above are inclusive of loans that were TDRs at the end of previous periods and were re-modified, e.g., a maturity date extension during the current period.

Schedule of loans by class modified as troubled debt restructurings within the previous twelve months for which there was a payment default

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2022			2021			2022			2021
		Recorded		Number of	Recorded		Number of	Recorded		Number of	Recorded
(dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate:
Owner occupied	2	$	40	2	$	121	2	$	40	6	$	293
Commercial real estate	—		—	1		127	—		—	1		127
Home equity	1		11	—		—	2		24	—		—
Total	3	$	51	3	$	248	4	$	64	7	$	420

Schedule of carrying amount of foreclosed properties held

(in thousands)	June 30, 2022		December 31, 2021
Commercial real estate	$	1,687	$	1,792
Total other real estate owned	$	1,687	$	1,792

Schedule of recorded investment in consumer mortgage loans secured by residential real estate properties

(in thousands)	June 30, 2022		December 31, 2021
Recorded investment in consumer residential real estate mortgage loans in the process of foreclosure	$	751	$	508

Schedule of Easy Advances

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(dollars in thousands)	2022		2021		2022			2021
Easy Advances originated	$	—	$	—	$	311,207		$	250,045
Net charge (credit) to the Provision for Easy Advances		564		(5,793)		8,879			10,226
Provision to total Easy Advances originated		NA		NA		2.85	%		4.09	%
Easy Advances net charge-offs	$	8,879	$	10,226	$	8,879		$	10,226
Easy Advances net charge-offs (recoveries) to total Easy Advances originated		NA		NA		2.85	%		4.09	%