Call reports 2007
YADKIN BANK — 2007
What YADKIN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,136,143,000 | 1,129,147,000 | 1,144,340,000 | 1,209,872,000 |
| Total loans | 860,317,000 | 857,342,000 | 887,580,000 | 951,507,000 |
| Allowance for loan losses | 11,092,000 | 11,276,000 | 11,229,000 | 12,446,000 |
| Securities available for sale | 134,340,000 | 136,454,000 | 142,388,000 | 142,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 926,006,000 | 942,904,000 | 949,095,000 | 988,570,000 |
| Interest-bearing deposits | 769,586,000 | 785,739,000 | 796,013,000 | 833,591,000 |
| Noninterest-bearing deposits | 156,420,000 | 157,165,000 | 153,082,000 | 154,979,000 |
| Equity capital | 126,316,000 | 127,282,000 | 130,291,000 | 132,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 18,410,000 | 37,555,000 | 57,167,000 | 76,843,000 |
| Interest expense | 7,758,000 | 15,997,000 | 24,501,000 | 33,224,000 |
| Net interest income | 10,652,000 | 21,558,000 | 32,666,000 | 43,619,000 |
| Noninterest income | 3,571,000 | 7,186,000 | 10,383,000 | 13,732,000 |
| Noninterest expense | 8,171,000 | 16,791,000 | 24,832,000 | 32,826,000 |
| Provision for loan losses | 300,000 | 500,000 | 800,000 | 2,489,000 |
| Pretax income | 5,752,000 | 11,453,000 | 17,462,000 | 22,081,000 |
| Income tax | 1,819,000 | 3,671,000 | 5,716,000 | 7,201,000 |
| Net income | 3,933,000 | 7,782,000 | 11,746,000 | 14,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,609,000 | 89,190,000 | 93,019,000 | 94,779,000 |
| Total capital | 98,709,000 | 100,466,000 | 104,248,000 | 107,225,000 |
| Risk-weighted assets | 932,347,000 | 940,830,000 | 988,945,000 | 1,034,821,000 |