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Financial Highlights
Entire IR Site Press Releases Only Filings Only

VALLEY FINANCIAL CORPORATION (NASDAQ - VYFC) 
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Trend Analysis--Quarterly (click here for Annual Analysis)

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


Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves570,115540,7755.43556,9809.43
Loans Held for Sale, before Reserves2451,178(79.20)810(279.01)
Loan Loss Reserve7,2008,060(10.67)7,430(12.38)
Net Loans Receivable563,160533,8935.48550,3609.30
Intangible Assets000.0000.00
Total Assets825,346764,5847.95795,84914.83
Deposits677,035621,1019.01649,21217.14
Debt, Senior and Subordinated92,87374,24125.1080,84659.51
Common Equity48,92049,975(2.11)50,712(14.13)
Total Shareholders' Equity48,92064,231(23.84)60,309(75.54)
Shares Outstanding (actual)4,787,6054,760,0950.584,787,2690.03
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income6,8736,4556.486,8491.40
Provision for Loan Losses(198)451NM(332)(161.45)
Noninterest Income1,1841,04613.191,14015.44
Noninterest Expense6,3826,582(3.04)5,65151.74
Net Income Before Taxes1,8351,50122.252,685(126.63)
Provision for Taxes550237132.07756(108.99)
Net Income1,2851,2641.661,929(133.54)
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share10.2210.50(2.67)10.59(14.16)
Tangible Book Value10.2210.50(2.67)10.59(14.16)
Diluted EPS Before Extra0.250.2119.050.36(122.22)
Diluted EPS After Extra0.250.2119.050.36(122.22)
Dividends Declared0.03500.0000NM0.03500.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.630.65(2)0.96(33)
ROAE9.157.7613911.99(284)
Net Interest Margin3.673.6343.73(6)
Loans / Deposits84.2187.07(286)85.79(159)
Efficiency Ratio77.8975.7521469.10879
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets5.938.40(247)7.58(165)
Equity/ Assets5.938.40(247)7.58(165)
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets3.194.20(101)3.54(35)
Loan Loss Reserves/ Gross Loans1.261.49(22)1.33(7)
Loan Loss Reserves/ NPAs27.3825.3920026.34105
Net Charge-offs/ Avg Loans0.020.69(67)0.19(17)
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.2513.51(226)13.22(197)
   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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