Call reports 2005
YADKIN BANK — 2005
What YADKIN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 956,810,000 | 990,771,000 | 997,353,000 | 1,024,294,000 |
| Total loans | 725,031,000 | 757,238,000 | 758,890,000 | 768,958,000 |
| Allowance for loan losses | 8,683,000 | 9,009,000 | 9,305,000 | 9,474,000 |
| Securities available for sale | 112,069,000 | 110,457,000 | 112,543,000 | 113,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 732,431,000 | 756,380,000 | 785,576,000 | 814,353,000 |
| Interest-bearing deposits | 615,060,000 | 629,758,000 | 656,569,000 | 678,441,000 |
| Noninterest-bearing deposits | 117,371,000 | 126,621,000 | 129,007,000 | 135,912,000 |
| Equity capital | 111,977,000 | 113,862,000 | 115,486,000 | 116,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,909,000 | 24,902,000 | 39,081,000 | 54,199,000 |
| Interest expense | 3,841,000 | 8,185,000 | 13,187,000 | 18,586,000 |
| Net interest income | 8,068,000 | 16,717,000 | 25,894,000 | 35,613,000 |
| Noninterest income | 2,884,000 | 5,870,000 | 9,098,000 | 11,993,000 |
| Noninterest expense | 6,974,000 | 14,008,000 | 21,580,000 | 29,332,000 |
| Provision for loan losses | 382,000 | 764,000 | 1,262,000 | 1,724,000 |
| Pretax income | 3,597,000 | 7,816,000 | 12,162,000 | 16,558,000 |
| Income tax | 1,134,000 | 2,546,000 | 3,957,000 | 5,399,000 |
| Net income | 2,463,000 | 5,270,000 | 8,205,000 | 11,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,805,000 | 75,689,000 | 77,684,000 | 79,007,000 |
| Total capital | 82,488,000 | 84,698,000 | 86,991,000 | 88,481,000 |
| Risk-weighted assets | 775,077,000 | 809,663,000 | 821,681,000 | 842,142,000 |