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Peer Analysis
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VALLEY FINANCIAL CORPORATION (NASDAQ - VYFC)  

Data for trailing four quarters

For the definition of a financial field, select the field name below.
Performance Ratios (%)VYFCPeer
Median		Peer
Average
ROAA0.83 0.54 0.42 
ROAE10.07 7.22 2.11 
Net Interest Margin3.65 3.81 3.78 
Efficiency Ratio63.14 75.49 74.93 
Loans / Deposits82.58 78.76 78.54 
Asset Quality Ratios (%)   
NPAs / Assets4.27 2.94 4.28 
NCOs / Avg Loans0.30 0.60 0.79 
Reserves / Loans1.51 1.67 1.91 
Reserves / NPAs24.41 31.75 112.18 
Capital Ratios (%)   
Tier 1 Capital13.40 13.14 12.96 
Tangible Equity / Tangible Assets8.05 8.56 8.19 
Total Equity / Total Assets8.05 8.61 8.51 
Market Ratios   
Price / Earnings (x)8.08 11.09 11.95 
Price / Book (%)86.22 102.43 98.42 
Dividend Yield (%)1.52 1.83 1.83 
Valley Financial Corporation's peer group consists of the following: Access National Corporation (ANCX), Alliance Bankshares Corporation (ABVA), American National Bankshares Inc. (AMNB), Eagle Financial Services, Inc. (EFSI), Fauquier Bankshares, Inc. (FBSS), First National Corporation (FXNC), Highlands Bankshares, Inc. (HBKA), Monarch Financial Holdings, Inc. (MNRK), Old Point Financial Corporation (OPOF), Village Bank and Trust Financial Corp. (VBFC)

Valley Financial Corporation's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013  except for these companies:

Alliance Bankshares Corporation's financial data is as of 9/30/2012.
Highlands Bankshares, Inc.'s financial data is as of 12/31/2012.

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