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Yadkin Valley Bank and Trust Company

Elkin, NC · Cert 19861

FDIC · 100 branches

Q4 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Yadkin Valley Bank and Trust Company

Elkin, NC · Cert 19861

FDIC · 100 branches

Q4 2016

$7.2BAssets
$5.2BLoans
$5.2BDeposits
$1.1BEquity
Loan mix
82%RE $3.3B17%C&I $0.7B2%Consumer $0.1BQ4 2015Q4 2016
Deposit mix
78%Interest-bearing $4.1B22%Noninterest $1.2BQ4 2015Q4 2016

NIM

3.18%Q4 ’144.07%Q4 ’153.70%Q4 ’16+32%-9%

Non-interest income vs. expense

2.78%Q4 ’142.87%Q4 ’152.77%Q4 ’16-12%+2%

Market Position · Raleigh, NC · 2016 SOD (annual) · 5.5% share · #6 of 33 inst. · $1.5B of $27.6B

5.8% Wake
18.1% Davidson
6.2% New Hanover
11.2% Iredell

Executive Summary

  • Earnings: ROA of 0.88%, down 22 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.57%, up 23 bps from a year ago.
  • Funding: loans stand at 100.29% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.88%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-34 bps YoY

Efficiency Ratio (YTD, annualized)

63.66%+450 bps YoY

Tier 1 Leverage Ratio

10.57%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets1.10%0.59%0.85%0.90%0.88%-22 bps
Return on Equity7.78%4.15%5.92%6.17%6.01%-178 bps
Net Interest Margin3.90%3.91%3.28%3.45%3.56%-34 bps
Efficiency Ratio59.16%72.44%65.82%63.91%63.66%+450 bps
Non-Interest Burden1.87%2.45%1.83%1.85%1.91%+4 bps
Growth
Asset Growth (YoY)4.91%74.09%72.45%68.65%61.37%+5,646 bps
Loan Growth (YoY)7.04%78.62%80.61%76.93%67.62%+6,059 bps
Deposit Growth (YoY)2.01%66.90%64.59%63.55%57.48%+5,547 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.11%0.09%0.12%0.12%-1 bps
Allowance / Loans0.31%0.19%0.22%0.23%0.27%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.34%13.25%9.84%10.12%10.57%+23 bps
Total Risk-Based Capital11.99%11.24%11.46%11.87%12.41%+42 bps
Equity / Assets13.82%14.44%14.66%15.01%15.35%+153 bps
Liquidity & Funding
Loans / Deposits94.22%98.24%101.23%100.47%100.29%+607 bps
Liquid Assets / Assets2.03%0.86%0.96%1.46%1.02%-101 bps
CRE / Total Capitaln/an/an/an/an/an/an/a