Call reports 2003
YADKIN BANK — 2003
What YADKIN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 657,041,000 | 656,270,000 | 645,652,000 | 684,249,000 |
| Total loans | 446,273,000 | 455,966,000 | 462,917,000 | 480,957,000 |
| Allowance for loan losses | 6,603,000 | 6,839,000 | 6,768,000 | 6,188,000 |
| Securities available for sale | 126,709,000 | 122,990,000 | 114,656,000 | 118,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,214,000 | 539,051,000 | 534,613,000 | 563,519,000 |
| Interest-bearing deposits | 473,187,000 | 464,214,000 | 458,446,000 | 481,433,000 |
| Noninterest-bearing deposits | 72,027,000 | 74,837,000 | 76,167,000 | 82,085,000 |
| Equity capital | 69,423,000 | 71,494,000 | 71,679,000 | 72,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,477,000 | 17,008,000 | 25,431,000 | 33,192,000 |
| Interest expense | 2,695,000 | 5,358,000 | 7,850,000 | 10,281,000 |
| Net interest income | 5,782,000 | 11,650,000 | 17,581,000 | 22,911,000 |
| Noninterest income | 2,262,000 | 4,398,000 | 5,465,000 | 7,089,000 |
| Noninterest expense | 4,337,000 | 8,590,000 | 12,208,000 | 15,976,000 |
| Provision for loan losses | 372,000 | 680,000 | 1,040,000 | 1,280,000 |
| Pretax income | 3,273,000 | 6,698,000 | 9,889,000 | 13,045,000 |
| Income tax | 947,000 | 2,083,000 | 3,101,000 | 4,126,000 |
| Net income | 2,326,000 | 4,615,000 | 6,788,000 | 8,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,088,000 | 56,040,000 | 57,690,000 | 59,086,000 |
| Total capital | 60,189,000 | 62,114,000 | 64,076,000 | 65,276,000 |
| Risk-weighted assets | 487,618,000 | 484,761,000 | 510,326,000 | 531,341,000 |