Republic Bancorp Q1 net income $47.3M, EPS $2.42, up 54% YoY; all segments profitable

REPUBLIC BANCORP INC /KY/

Net income $47.3M, diluted EPS $2.42 vs $30.6M/$1.58 YoY; ROA 2.61%, ROE 18.74%.
Core Bank net income up 32% to $17.4M; NIM improved to 3.70% from 3.30% YoY.
Tax Refund Solutions net income rose 123% to $19.6M; RA outstanding rate fell to 3.8% from 6.0%.
Noninterest income up $7.1M including $4.1M gain on Visa Class B-1 share sale and $1.6M insurance recovery.
Core Bank recorded $5.7M in core-contract deconversion/consulting fees; projects $16M savings over 5 years.

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