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REGULATORY MATTERS
 12 Months Ended
Dec. 31, 2015
Regulatory Assets and Liabilities Disclosure [Abstract]  
REGULATORY MATTERS
REGULATORY MATTERS
 
Yadkin Bank is required to maintain reserve and clearing balances with the Federal Reserve Bank in the form of vault cash or deposits. There was no aggregate net reserve balance maintained with the Federal Reserve Bank as of December 31, 2015 and 2014, respectively, as vault cash was sufficient to meet the reserve requirement.

Banking regulators have established various ratios to monitor capital adequacy. The primary ratios are: (1) Tier 1 capital, which includes common shareholders' equity and qualifying preferred equity, and (2) Tier 2 capital, which includes a portion of the allowance for loan losses, certain qualifying long-term debt and preferred stock which does not qualify as Tier 1 capital. Minimum capital levels are regulated by risk-based capital adequacy guidelines which require a financial institution to maintain capital as a percent of its assets and certain off-balance sheet items adjusted for predefined credit risk factors (risk-adjusted assets). A financial institution is required to maintain, at a minimum, Tier 1 capital as a percentage of risk-adjusted assets of 6.0 percent and combined Tier 1 and Tier 2 capital as a percentage of risk-adjusted assets of 8.0 percent. In addition to the risk-based guidelines, federal regulations require the Bank to maintain a minimum leverage ratio (Tier 1 capital as a percentage of tangible assets) of 4.0 percent. During the first quarter of 2015, the Company and the Bank became subject to new Basel III regulatory capital rules, which increased existing requirements and added a new requirement for Common Equity Tier 1 of 4.5 percent. As of December 31, 2015, and 2014, the Company and the Bank met all applicable capital adequacy requirements.
 
The holding company and bank capital amounts and ratios are presented in the table below.
 
Actual
 
Minimum for capital adequacy purposes
 
Minimum to be well capitalized under prompt corrective action provisions
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2015
 

 
 

 
 

 
 

 
 

 
 

Yadkin Financial Corporation:
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
$
447,320

 
11.96
%
 
$
299,164

 
8.00
%
 
N/A

 
N/A

Tier 1 Capital (to Risk-Weighted Assets)
396,032

 
10.59
%
 
$
224,373

 
6.00
%
 
N/A

 
N/A

Tier 1 Capital (to Average Assets)
396,032

 
9.42
%
 
$
168,078

 
4.00
%
 
N/A

 
N/A

Common Equity Tier 1 Capital
394,524

 
10.55
%
 
$
168,280

 
4.50
%
 
N/A

 
N/A

 
 
 
 
 
 
 
 
 
 
 
 
Yadkin Bank:
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
$
447,945

 
11.99
%
 
$
298,776

 
8.00
%
 
$
373,470

 
10.00
%
Tier 1 Capital (to Risk-Weighted Assets)
434,707

 
11.64
%
 
224,082

 
6.00
%
 
298,776

 
8.00
%
Tier 1 Capital (to Average Assets)
434,707

 
10.34
%
 
168,183

 
4.00
%
 
210,229

 
5.00
%
Common Equity Tier 1 Capital
434,707

 
11.64
%
 
168,061

 
4.50
%
 
242,755

 
6.50
%
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2014
 

 
 

 
 

 
 

 
 

 
 

Yadkin Financial Corporation:
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
$
425,720

 
12.34
%
 
$
276,064

 
8.00
%
 
N/A

 
N/A

Tier 1 Capital (to Risk-Weighted Assets)
375,095

 
10.87
%
 
138,032

 
4.00
%
 
N/A

 
N/A

Tier 1 Capital (to Average Assets)
375,095

 
9.33
%
 
160,773

 
4.00
%
 
N/A

 
N/A

 
 
 
 
 
 
 
 
 
 
 
 
Yadkin Bank:
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to Risk-Weighted Assets)
$
419,875

 
12.18
%
 
$
275,674

 
8.00
%
 
$
344,592

 
10.00
%
Tier 1 Capital (to Risk-Weighted Assets)
407,300

 
11.82
%
 
137,837

 
4.00
%
 
206,755

 
6.00
%
Tier 1 Capital (to Average Assets)
407,300

 
10.13
%
 
160,812

 
4.00
%
 
201,015

 
5.00
%