Call reports 2002
YADKIN BANK — 2002
What YADKIN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 363,751,000 | 361,484,000 | 626,594,000 | 661,803,000 |
| Total loans | 232,737,000 | 233,845,000 | 423,968,000 | 439,491,000 |
| Allowance for loan losses | 3,619,000 | 3,562,000 | 5,957,000 | 6,218,000 |
| Securities available for sale | 79,053,000 | 78,771,000 | 129,658,000 | 123,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,182,000 | 296,887,000 | 521,120,000 | 556,401,000 |
| Interest-bearing deposits | 258,762,000 | 255,073,000 | 453,778,000 | 481,365,000 |
| Noninterest-bearing deposits | 39,420,000 | 41,814,000 | 67,343,000 | 75,036,000 |
| Equity capital | 45,440,000 | 46,614,000 | 66,355,000 | 68,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,601,000 | 11,131,000 | 19,053,000 | 28,157,000 |
| Interest expense | 2,071,000 | 3,934,000 | 6,646,000 | 9,864,000 |
| Net interest income | 3,530,000 | 7,197,000 | 12,407,000 | 18,293,000 |
| Noninterest income | 1,134,000 | 2,234,000 | 3,631,000 | 5,544,000 |
| Noninterest expense | 2,071,000 | 4,263,000 | 7,599,000 | 11,717,000 |
| Provision for loan losses | 180,000 | 375,000 | 742,000 | 1,460,000 |
| Pretax income | 2,413,000 | 4,792,000 | 7,666,000 | 10,504,000 |
| Income tax | 785,000 | 1,557,000 | 2,502,000 | 3,463,000 |
| Net income | 1,628,000 | 3,235,000 | 5,164,000 | 7,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,456,000 | 44,938,000 | 52,151,000 | 53,148,000 |
| Total capital | 47,625,000 | 48,131,000 | 58,053,000 | 59,336,000 |
| Risk-weighted assets | 253,089,000 | 255,052,000 | 472,118,000 | 494,971,000 |