Yadkin Valley Bank and Trust Company

Yadkin Valley Bank and Trust Company is headquartered in Elkin and is the 7^th largest bank in the state of North Carolina. It is also the 360^th largest bank in the nation. It was established in 1968 and as of March of 2012, it had grown to 462 employees at 39 locations. Yadkin Valley Bank and Trust Company has a 2-star health rating.

Data for Q1 2012

Institution Statistics Yadkin Valley Bank and Trust Company FDIC Certificate # 19861 BankRate Report View Year Established 1968 Employees 462 Primary Regulator FDIC Assets and Liabilities Assets $1.97 billion Loans $1.38 billion Deposits $1.72 billion Equity Capital $173.38 million Loan Loss Allowance $30.06 million Unbacked Noncurrent Loans $66.09 million Real Estate Owned $28.75 million Historic Data - March 2011 Assets $2.23 billion Equity Capital $179.59 million Loan Loss Allowance $35.86 million Unbacked Noncurrent Loans $71.37 million Real Estate Owned $27.46 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.74% Return on Equity 8.56% Interest Income $20.97 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Yadkin Valley Bank and Trust Company had $94.84 million in non-current loans and owned real-estate with $203.44 million in equity and loan loss allowances on hand to cover it. This gives Yadkin Valley Bank and Trust Company a Texas Ratio of 46.62% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Yadkin Valley Bank and Trust Company held steady from 45.87% as of March 31, 2011 to 46.62% as of March 31, 2012, resulting in a negative change of 1.63%. This indicates that the balance sheet and financial strength for Yadkin Valley Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Yadkin Valley Bank and Trust Company has decreased its total deposits by -$242.72 million, resulting in -12.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Yadkin Valley Bank and Trust Company has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Yadkin Valley Bank and Trust Company has $1.97 billion in assets with $203.44 million in equity, resulting in a capitalization level of 10.30%, which is above average.

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