CONTENTS || CORPORATE LISTING

Summary of Selected Financial Data



(1) Includes a one-time assessment of $1.5 million ($975,000 after tax, or $.04 per share) for the recapitalization of the Savings Association Insurance Fund.
(2) All per share amounts presented have been adjusted to reflect the issuance of stock dividends.
(3) Net interest income (FTE) expressed as a percentage of average interest-earning assets.
(4) Includes mortgage loans held for sale.
Financing the American Dream || Corporate Profile || To Our Shareholders || Financial Highlights
Our Corporate Culture || Commercial Banking and Retail Banking || Mortgage Banking || Republic Bank
Republic Bancorp Mortgage Inc. || Market Street Mortgage Corporation || Directors and Officers
Summary of Selected Financial Data || Condensed Statements || Corporate Information || Shareholder Information