Yadkin Financial Corporation, formerly Yadkin Valley Financial Corporation, is a bank holding company serves as the holding company for Yadkin Valley Bank and Trust Company (the Bank) is a North Carolina chartered commercial bank. The Bank�s operations are retail oriented and directed toward individuals and small and medium-sized businesses located in its banking market and, to areas surrounding its immediate banking market. The Bank�s source of revenue is the interest income derived from its lending activities. As of December 31, 2012, the Company had net loans held for investment of $1,284.4 million and deposits of $1631.7 million. Yadkin operates 34 full-service banking offices. It operates the offices in Jefferson and West Jefferson (Ashe County), Wilkesboro and North Wilkesboro (Wilkes County), Elkin (Surry County), East Bend, Jonesville and Yadkinville (Yadkin County) under the Yadkin name.