New to Our Site?

Switching to Valley Bank is Easy!

Let’s Get Started!

Sign Up for eStatements!

Account Opening Center

Making the change to Valley Bank is easy.

Open an Account

Apply for a Mortgage

Financial Highlights
Entire IR Site Press Releases Only Filings Only

VALLEY FINANCIAL CORPORATION (NASDAQ - VYFC) 
Email pagePDF viewPrint viewRSS News FeedsEmail AlertSocial media sharing
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves583,761543,5337.40570,1159.57
Loans Held for Sale, before Reserves9962,343(57.49)2451,226.12
Loan Loss Reserve6,4258,270(22.31)7,200(43.06)
Net Loans Receivable578,332537,6067.58563,16010.78
Intangible Assets000.0000.00
Total Assets868,724793,5489.47825,34621.02
Deposits697,731658,2216.00677,03512.23
Debt, Senior and Subordinated112,62465,79571.1792,87385.07
Common Equity52,32951,2022.2048,92027.87
Total Shareholders' Equity52,32963,914(18.13)48,92027.87
Shares Outstanding (actual)4,817,5854,792,7610.524,787,6052.50
Income Statement ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income6,9106,5864.926,8732.15
Provision for Loan Losses518195165.64(198)NM
Noninterest Income1,0681,082(1.29)1,184(39.19)
Noninterest Expense5,3335,1164.246,382(65.75)
Net Income Before Taxes2,1342,425(12.00)1,83565.18
Provision for Taxes618732(15.57)55049.45
Net Income1,5161,693(10.45)1,28571.91
Per Share Items ($)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share10.8610.681.6710.2225.21
Tangible Book Value10.8610.681.6710.2225.21
Diluted EPS Before Extra0.310.303.330.2596.00
Diluted EPS After Extra0.310.303.330.2596.00
Dividends Declared0.04000.035014.290.035057.14
Performance Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.730.89(16)0.6310
ROAE11.2410.74509.15209
Net Interest Margin3.643.82(18)3.67(3)
Loans / Deposits83.6782.5810984.21(54)
Efficiency Ratio65.3665.38(2)77.89(1,253)
Balance Sheet Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.028.05(203)5.9310
Equity/ Assets6.028.05(203)5.9310
Asset Quality Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.924.27(135)3.19(27)
Loan Loss Reserves/ Gross Loans1.101.51(42)1.26(16)
Loan Loss Reserves/ NPAs25.7324.4113227.38(166)
Net Charge-offs/ Avg Loans0.89(0.01)900.0287
Regulatory Capital Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.2913.35(206)11.254
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



Copyright 2014, © SNL Financial LC  Terms of Use