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VALLEY FINANCIAL CORPORATION (NASDAQ - VYFC)

Financial Highlights

Trend Analysis--Quarterly (click here for Annual Analysis)

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


Balance Sheet ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves605,430556,9808.70601,2462.78
Loans Held for Sale, before Reserves1,11181037.161,188(25.93)
Loan Loss Reserve6,5357,430(12.05)6,640(6.33)
Net Loans Receivable600,006550,3609.02595,7942.83
Intangible Assets000.0000.00
Total Assets857,345795,8497.73887,089(13.41)
Deposits682,102649,2125.07707,875(14.56)
Debt, Senior and Subordinated109,36980,84635.28109,3130.20
Common Equity57,16750,71212.7355,59111.34
Total Shareholders' Equity57,16760,309(5.21)55,59111.34
Shares Outstanding (actual)4,823,8654,787,2690.764,818,4650.45
Income Statement ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income6,9616,8491.646,998(2.11)
Provision for Loan Losses(143)(332)(56.93)1,039NM
Noninterest Income1,1071,140(2.89)1,346(71.03)
Noninterest Expense5,6925,6510.735,53611.27
Net Income Before Taxes2,5282,685(5.85)2,4837.25
Provision for Taxes723756(4.37)739(8.66)
Net Income1,8051,929(6.43)1,74413.99
Per Share Items ($)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share11.8510.5911.8711.5410.88
Tangible Book Value11.8510.5911.8711.5410.88
Diluted EPS Before Extra0.370.362.780.3611.11
Diluted EPS After Extra0.370.362.780.3611.11
Dividends Declared0.04000.035014.290.04000.00
Performance Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.830.96(13)0.812
ROAE12.2711.992812.43(16)
Net Interest Margin3.483.73(25)3.52(4)
Loans / Deposits88.7685.7929784.94382
Efficiency Ratio69.1569.23(8)64.93422
Balance Sheet Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.677.58(91)6.2740
Equity/ Assets6.677.58(91)6.2740
Asset Quality Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.143.54(140)2.140
Loan Loss Reserves/ Gross Loans1.081.33(25)1.10(2)
Loan Loss Reserves/ NPAs36.4526.341,01134.92153
Net Charge-offs/ Avg Loans(0.03)0.19(22)0.56(58)
Regulatory Capital Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio11.7213.22(150)11.5121
   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.



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