Call reports 2004
YADKIN BANK — 2004
What YADKIN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 865,318,000 | 874,059,000 | 879,591,000 | 959,790,000 |
| Total loans | 631,390,000 | 646,210,000 | 652,344,000 | 728,952,000 |
| Allowance for loan losses | 8,596,000 | 8,423,000 | 8,654,000 | 8,654,000 |
| Securities available for sale | 123,428,000 | 121,618,000 | 118,305,000 | 114,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 710,570,000 | 679,905,000 | 681,860,000 | 728,708,000 |
| Interest-bearing deposits | 610,324,000 | 572,998,000 | 566,035,000 | 603,075,000 |
| Noninterest-bearing deposits | 100,245,000 | 106,906,000 | 115,825,000 | 125,634,000 |
| Equity capital | 105,054,000 | 102,900,000 | 105,572,000 | 111,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 10,194,000 | 20,393,000 | 31,749,000 | 42,779,000 |
| Interest expense | 2,955,000 | 5,842,000 | 8,770,000 | 12,082,000 |
| Net interest income | 7,239,000 | 14,551,000 | 22,979,000 | 30,697,000 |
| Noninterest income | 2,244,000 | 4,437,000 | 6,078,000 | 9,107,000 |
| Noninterest expense | 5,488,000 | 11,452,000 | 17,423,000 | 24,196,000 |
| Provision for loan losses | 540,000 | 945,000 | 1,350,000 | 1,620,000 |
| Pretax income | 3,455,000 | 6,591,000 | 10,314,000 | 14,045,000 |
| Income tax | 1,135,000 | 2,152,000 | 3,375,000 | 4,560,000 |
| Net income | 2,320,000 | 4,439,000 | 6,939,000 | 9,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,199,000 | 70,722,000 | 72,273,000 | 72,331,000 |
| Total capital | 78,789,000 | 79,146,000 | 80,927,000 | 80,985,000 |
| Risk-weighted assets | 687,208,000 | 720,784,000 | 718,132,000 | 786,934,000 |