Yadkin Valley Financial Corporation

(NASDAQ:YAVY)

	Sep 30, 2008	Jun 30, 2008	Mar 31, 2008	Dec 31, 2007
Operating revenue
Total Revenue	22,496	23,155	21,833	23,035
Operating Revenue	22,496	23,155	21,833	23,035
Adjustments To Revenue	11,095	11,237	9,093	9,684
Cost Of Sales	—	—	—	—
Cost Of Sales With Depreciation	—	—	—	—
Gross Operating Profit	11,401	11,917	12,740	13,351
Operating Expenses
Research And Development Expenses	—	—	—	—
Selling General And Administrative Expenses	—	—	—	—
Advertising Expenses	—	—	—	—
Operating Income Before Depreciation	11,401	11,917	12,740	13,351
Operating Income	—	—	—	—
Depreciation	—	—	—	—
Depreciation Unreconciled	—	—	—	—
Amortization	—	—	—	—
Amortization Of Intangibles	—	—	—	—
Operating Income After Depreciation	11,401	11,917	12,740	13,351
Non Operating Expenses
Interest Expense	8,813	8,728	8,546	8,800
Pre Tax Income	2,588	3,189	4,194	4,551
Income Taxes	795	1,053	1,279	1,485
Minority Interest	—	—	—	—
Income Before Income Taxes	—	—	—	—
Net Income From Continuing Operations	1,793	2,136	2,914	3,067
Net Income From Discontinued Operations	—	—	—	—
Net Income From Total Operations	1,793	2,136	2,914	3,067
Non Recurring Events
Extraordinary Income Losses	—	—	—	—
Income From Cummulated Effect Of Accounting Changes	—	—	—	—
Income From Tax Loss Carryforward	—	—	—	—
Other Gains And Losses	—	—	—	—
Total Net Income	1,793	2,136	2,914	3,067
Normalized Income	1,793	2,136	2,914	3,067
NetIncome Available For Common	1,793	2,136	2,914	3,067
Preferred Dividends	—	—	—	—
Excise Taxes	—	—	—	—

	Dec 31, 2007	Dec 31, 2006	Dec 31, 2005	Dec 31, 2004
Operating revenue
Total Revenue	90,637	81,651	66,495	51,891
Operating Revenue	90,637	81,651	66,495	51,891
Adjustments To Revenue	35,448	34,258	31,351	25,636
Cost Of Sales	—	—	—	—
Cost Of Sales With Depreciation	—	—	—	—
Gross Operating Profit	55,189	47,393	35,144	26,256
Operating Expenses
Research And Development Expenses	—	—	—	—
Selling General And Administrative Expenses	—	—	—	—
Advertising Expenses	—	—	—	—
Operating Income Before Depreciation	55,189	47,393	35,144	26,256
Operating Income	—	—	—	—
Depreciation	—	—	—	—
Depreciation Unreconciled	—	—	—	—
Amortization	—	—	—	—
Amortization Of Intangibles	—	—	—	—
Operating Income After Depreciation	55,189	47,393	35,144	26,256
Non Operating Expenses
Interest Expense	33,301	26,429	18,586	12,211
Pre Tax Income	21,889	20,964	16,557	14,044
Income Taxes	7,201	7,172	5,399	4,560
Minority Interest	—	—	—	—
Income Before Income Taxes	—	—	—	—
Net Income From Continuing Operations	14,688	13,792	11,158	9,485
Net Income From Discontinued Operations	—	—	—	—
Net Income From Total Operations	14,688	13,792	11,158	9,485
Non Recurring Events
Extraordinary Income Losses	—	—	—	—
Income From Cummulated Effect Of Accounting Changes	—	—	—	—
Income From Tax Loss Carryforward	—	—	—	—
Other Gains And Losses	—	—	—	—
Total Net Income	14,688	13,792	11,158	9,485
Normalized Income	14,688	13,792	11,158	9,485
NetIncome Available For Common	14,688	13,792	11,158	9,485
Preferred Dividends	—	—	—	—
Excise Taxes	—	—	—	—