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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)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves625,252583,7617.11617,7064.89
Loans Held for Sale, before Reserves2,490996150.005661,359.72
Loan Loss Reserve6,5006,4251.176,5000.00
Net Loans Receivable621,242578,3327.42611,7726.19
Intangible Assets000.0000.00
Total Assets854,199868,724(1.67)901,399(20.95)
Deposits682,595697,731(2.17)717,025(19.21)
Debt, Senior and Subordinated100,154112,624(11.07)115,134(52.04)
Common Equity63,19852,32920.7760,24019.64
Total Shareholders' Equity63,19852,32920.7760,24019.64
Shares Outstanding (actual)4,951,6534,817,5852.784,932,0351.59
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income6,8746,910(0.52)6,987(6.47)
Provision for Loan Losses(15)518NM(45)(266.67)
Noninterest Income1,2471,06816.761,2179.86
Noninterest Expense5,4405,3332.015,671(16.29)
Net Income Before Taxes2,9232,13436.972,139146.61
Provision for Taxes99761861.33605259.17
Net Income1,9261,51627.041,534102.22
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share12.7610.8617.5012.2117.98
Tangible Book Value12.7610.8617.5012.2117.98
Diluted EPS Before Extra0.390.3125.810.31103.23
Diluted EPS After Extra0.390.3125.810.31103.23
Dividends Declared0.04000.04000.000.04000.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.900.73170.7020
ROAE12.6011.2413610.24236
Net Interest Margin3.473.64(17)3.461
Loans / Deposits91.6083.6779386.15545
Efficiency Ratio65.7165.363567.80(209)
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.406.021376.6872
Equity/ Assets7.406.021376.6872
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.102.92(82)2.29(19)
Loan Loss Reserves/ Gross Loans1.041.10(6)1.05(2)
Loan Loss Reserves/ NPAs36.8825.731,11535.46142
Net Charge-offs/ Avg Loans(0.01)0.89(90)(0.01)0
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2011.299111.9624
   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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