Call reports 2006
YADKIN BANK — 2006
What YADKIN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,037,950,000 | 1,080,264,000 | 1,095,066,000 | 1,120,709,000 |
| Total loans | 786,398,000 | 820,590,000 | 820,207,000 | 857,248,000 |
| Allowance for loan losses | 9,977,000 | 10,277,000 | 10,615,000 | 10,829,000 |
| Securities available for sale | 115,472,000 | 122,301,000 | 128,486,000 | 127,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 833,549,000 | 867,090,000 | 867,118,000 | 908,916,000 |
| Interest-bearing deposits | 689,961,000 | 707,071,000 | 717,935,000 | 756,035,000 |
| Noninterest-bearing deposits | 143,588,000 | 160,019,000 | 149,183,000 | 152,881,000 |
| Equity capital | 117,628,000 | 119,142,000 | 120,424,000 | 123,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 15,380,000 | 32,500,000 | 50,364,000 | 69,083,000 |
| Interest expense | 5,241,000 | 11,689,000 | 18,754,000 | 26,428,000 |
| Net interest income | 10,139,000 | 20,811,000 | 31,610,000 | 42,655,000 |
| Noninterest income | 2,807,000 | 5,904,000 | 9,445,000 | 12,691,000 |
| Noninterest expense | 7,943,000 | 15,821,000 | 24,011,000 | 32,053,000 |
| Provision for loan losses | 565,000 | 1,115,000 | 1,640,000 | 2,165,000 |
| Pretax income | 4,450,000 | 9,798,000 | 15,423,000 | 21,042,000 |
| Income tax | 1,522,000 | 3,450,000 | 5,390,000 | 7,172,000 |
| Net income | 2,928,000 | 6,348,000 | 10,033,000 | 13,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,630,000 | 82,837,000 | 83,054,000 | 85,493,000 |
| Total capital | 90,607,000 | 93,114,000 | 93,669,000 | 96,322,000 |
| Risk-weighted assets | 849,580,000 | 889,663,000 | 892,211,000 | 929,107,000 |