Secure Online BankingTap Here to Login

Email pagePDF viewPrint viewRSS News FeedsEmail AlertSocial media sharing
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 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves601,246551,6658.99583,76111.98
Loans Held for Sale, before Reserves1,1881,259(5.64)99677.11
Loan Loss Reserve6,6408,030(17.31)6,42513.39
Net Loans Receivable595,794544,8949.34578,33212.08
Intangible Assets000.0000.00
Total Assets887,089806,33910.01868,7248.46
Deposits707,875665,9756.29697,7315.82
Debt, Senior and Subordinated109,31374,97045.81112,624(11.76)
Common Equity55,59149,24012.9052,32924.93
Total Shareholders' Equity55,59160,400(7.96)52,32924.93
Shares Outstanding (actual)4,818,4654,787,2690.654,817,5850.07
Income Statement ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income6,9986,7473.726,9105.09
Provision for Loan Losses1,039(130)NM518402.32
Noninterest Income1,3461,3053.141,068104.12
Noninterest Expense5,5365,4092.355,33315.23
Net Income Before Taxes2,4832,773(10.46)2,13465.42
Provision for Taxes739845(12.54)61878.32
Net Income1,7441,928(9.54)1,51660.16
Per Share Items ($)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share11.5410.2912.1710.8624.86
Tangible Book Value11.5410.2912.1710.8624.86
Diluted EPS Before Extra0.360.352.860.3164.52
Diluted EPS After Extra0.360.352.860.3164.52
Dividends Declared0.04000.035014.290.04000.00
Performance Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.810.97(16)0.738
ROAE12.4312.133011.24119
Net Interest Margin3.523.73(21)3.64(12)
Loans / Deposits84.9482.8421083.67127
Efficiency Ratio64.9365.81(88)65.36(43)
Balance Sheet Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.277.49(122)6.0224
Equity/ Assets6.277.49(122)6.0224
Asset Quality Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.143.80(166)2.92(78)
Loan Loss Reserves/ Gross Loans1.101.45(35)1.100
Loan Loss Reserves/ NPAs34.9226.2486825.73919
Net Charge-offs/ Avg Loans0.560.08480.89(34)
Regulatory Capital Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5113.08(157)11.2922
   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