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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 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves617,706570,1158.35605,4308.11
Loans Held for Sale, before Reserves566245131.021,111(196.22)
Loan Loss Reserve6,5007,200(9.72)6,535(2.14)
Net Loans Receivable611,772563,1608.63600,0067.84
Intangible Assets000.0000.00
Total Assets901,399825,3469.21857,34520.55
Deposits717,025677,0355.91682,10220.48
Debt, Senior and Subordinated115,13492,87323.97109,36921.08
Common Equity60,24048,92023.1457,16721.50
Total Shareholders' Equity60,24048,92023.1457,16721.50
Shares Outstanding (actual)4,932,0354,787,6053.024,823,8658.97
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income6,9876,8731.666,9611.49
Provision for Loan Losses(45)(198)(77.27)(143)(274.13)
Noninterest Income1,2171,1842.791,10739.75
Noninterest Expense5,6716,382(11.14)5,692(1.48)
Net Income Before Taxes2,1391,83516.572,528(61.55)
Provision for Taxes60555010.00723(65.28)
Net Income1,5341,28519.381,805(60.06)
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share12.2110.2219.5311.8512.26
Tangible Book Value12.2110.2219.5311.8512.26
Diluted EPS Before Extra0.310.2524.000.37(64.86)
Diluted EPS After Extra0.310.2524.000.37(64.86)
Dividends Declared0.04000.035014.290.04000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.700.6370.83(13)
ROAE10.249.1510912.27(203)
Net Interest Margin3.463.67(21)3.48(2)
Loans / Deposits86.1584.2119488.76(261)
Efficiency Ratio73.0477.53(449)69.15389
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.685.93766.672
Equity/ Assets6.685.93766.672
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.293.19(90)2.1415
Loan Loss Reserves/ Gross Loans1.051.26(21)1.08(3)
Loan Loss Reserves/ NPAs35.4627.3880736.45(99)
Net Charge-offs/ Avg Loans(0.01)0.02(3)(0.03)2
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.9611.257111.7224
   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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