Call reports 2008
YADKIN BANK — 2008
What YADKIN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,423,516,000 | 1,430,674,000 | 1,467,790,000 | 1,522,454,000 |
| Total loans | 1,090,799,000 | 1,123,633,000 | 1,163,460,000 | 1,237,499,000 |
| Allowance for loan losses | 14,765,000 | 15,879,000 | 16,526,000 | 22,355,000 |
| Securities available for sale | 144,465,000 | 141,199,000 | 140,709,000 | 137,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,135,259,000 | 1,097,990,000 | 1,108,883,000 | 1,155,800,000 |
| Interest-bearing deposits | 971,616,000 | 933,507,000 | 952,490,000 | 1,003,666,000 |
| Noninterest-bearing deposits | 163,643,000 | 164,483,000 | 156,393,000 | 152,134,000 |
| Equity capital | 176,475,000 | 172,620,000 | 175,659,000 | 172,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 18,307,000 | 37,076,000 | 56,517,000 | 74,713,000 |
| Interest expense | 8,462,000 | 17,006,000 | 25,559,000 | 33,752,000 |
| Net interest income | 9,845,000 | 20,070,000 | 30,958,000 | 40,961,000 |
| Noninterest income | 3,516,000 | 7,911,000 | 11,957,000 | 16,427,000 |
| Noninterest expense | 8,609,000 | 18,744,000 | 28,535,000 | 39,333,000 |
| Provision for loan losses | 450,000 | 2,158,000 | 3,492,000 | 11,109,000 |
| Pretax income | 4,302,000 | 7,072,000 | 9,915,000 | 5,930,000 |
| Income tax | 1,279,000 | 2,112,000 | 2,907,000 | 1,241,000 |
| Net income | 3,023,000 | 4,960,000 | 7,008,000 | 4,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,373,000 | 113,543,000 | 115,427,000 | 112,523,000 |
| Total capital | 128,138,000 | 128,752,000 | 130,785,000 | 128,509,000 |
| Risk-weighted assets | 1,193,303,000 | 1,216,082,000 | 1,227,509,000 | 1,271,729,000 |