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Financial Highlights

VALLEY FINANCIAL CORPORATION (NASDAQ - VYFC)

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

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

Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	543,533	513,448	5.86	540,775	2.04
Loans Held for Sale, before Reserves	2,343	1,205	94.44	1,178	395.59
Loan Loss Reserve	8,270	9,287	(10.95)	8,060	10.42
Net Loans Receivable	537,606	505,366	6.38	533,893	2.78
Intangible Assets	0	0	0.00	0	0.00
Total Assets	793,548	781,354	1.56	764,584	15.15
Deposits	658,221	639,385	2.95	621,101	23.91
Debt, Senior and Subordinated	65,795	75,226	(12.54)	74,241	(45.51)
Common Equity	51,202	46,272	10.65	49,975	9.82
Total Shareholders' Equity	63,914	61,977	3.13	64,231	(1.97)
Shares Outstanding (actual)	4,792,761	4,742,095	1.07	4,760,095	2.74

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	6,586	6,225	5.80	6,455	8.12
Provision for Loan Losses	195	0	NM	451	(227.05)
Noninterest Income	1,082	991	9.18	1,046	13.77
Noninterest Expense	5,116	4,871	5.03	6,582	(89.09)
Net Income Before Taxes	2,425	2,385	1.68	1,501	246.24
Provision for Taxes	732	726	0.83	237	835.44
Net Income	1,693	1,659	2.05	1,264	135.76

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	10.68	9.76	9.48	10.50	7.03
Tangible Book Value	10.68	9.76	9.48	10.50	7.03
Diluted EPS Before Extra	0.30	0.30	0.00	0.21	171.43
Diluted EPS After Extra	0.30	0.30	0.00	0.21	171.43
Dividends Declared	0.0350	0.0000	NM	0.0000	NM

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.89	0.86	3	0.65	24
ROAE	10.74	11.01	(27)	7.76	298
Net Interest Margin	3.82	3.51	31	3.63	19
Loans / Deposits	82.58	80.30	227	87.07	(449)
Efficiency Ratio	64.82	65.78	(96)	75.75	(1,093)

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.05	7.93	12	8.40	(35)
Equity/ Assets	8.05	7.93	12	8.40	(35)

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	4.27	3.76	51	4.20	7
Loan Loss Reserves/ Gross Loans	1.51	1.80	(29)	1.49	3
Loan Loss Reserves/ NPAs	24.41	31.87	(747)	25.39	(98)
Net Charge-offs/ Avg Loans	(0.01)	0.28	(29)	0.69	(70)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	13.40	13.47	(7)	13.51	(11)

^† 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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