REPUBLIC BANCORP INC /KY/ | 2013 | FY | 3


 

 

 

 

Troubled Debt

 

Troubled Debt

 

 

 

 

 

Restructurings

 

Restructurings

 

Total

 

 

 

Performing to

 

Not Performing to

 

Troubled Debt

 

December 31, 2013 (in thousands)

 

Modified Terms

 

Modified Terms

 

Restructurings

 

 

 

 

 

 

 

 

 

Residential real estate loans (including home equity loans):

 

 

 

 

 

 

 

Interest only payments

 

$

430

 

$

671

 

$

1,101

 

Rate reduction

 

26,004

 

4,993

 

30,997

 

Principal deferral

 

1,840

 

632

 

2,472

 

Bankruptcies

 

1,247

 

1,402

 

2,649

 

Total residential TDRs

 

29,521

 

7,698

 

37,219

 

 

 

 

 

 

 

 

 

Commercial related and construction/land development loans:

 

 

 

 

 

 

 

Interest only payments

 

6,086

 

1,321

 

7,407

 

Rate reduction

 

13,958

 

663

 

14,621

 

Principal deferral

 

8,983

 

5,351

 

14,334

 

Bankruptcies

 

 

391

 

391

 

Total commercial TDRs

 

29,027

 

7,726

 

36,753

 

Total troubled debt restructurings

 

$

58,548

 

$

15,424

 

$

73,972

 

 

 

 

Troubled Debt

 

Troubled Debt

 

 

 

 

 

Restructurings

 

Restructurings

 

Total

 

 

 

Performing to

 

Not Performing to

 

Troubled Debt

 

December 31, 2012 (in thousands)

 

Modified Terms

 

Modified Terms

 

Restructurings

 

 

 

 

 

 

 

 

 

Residential real estate loans (including home equity loans):

 

 

 

 

 

 

 

Interest only payments

 

$

813

 

$

624

 

$

1,437

 

Rate reduction

 

23,789

 

3,919

 

27,708

 

Principal deferral

 

9,186

 

2,092

 

11,278

 

Bankruptcies

 

2,224

 

1,093

 

3,317

 

Total residential TDRs

 

36,012

 

7,728

 

43,740

 

 

 

 

 

 

 

 

 

Commercial related and construction/land development loans:

 

 

 

 

 

 

 

Interest only payments

 

5,096

 

342

 

5,438

 

Rate reduction

 

15,747

 

895

 

16,642

 

Principal deferral

 

15,640

 

1,595

 

17,235

 

Bankruptcies

 

 

252

 

252

 

Total commercial TDRs

 

36,483

 

3,084

 

39,567

 

Total troubled debt restructurings

 

$

72,495

 

$

10,812

 

$

83,307

 

 


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