Call reports 2003
MVB BANK, INC. — 2003
What MVB BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 90,330,000 | 93,568,000 | 93,989,000 | 94,931,000 |
| Total loans | 50,055,000 | 56,193,000 | 58,272,000 | 62,616,000 |
| Allowance for loan losses | 541,000 | 618,000 | 654,000 | 689,000 |
| Securities available for sale | 25,483,000 | 25,078,000 | 24,727,000 | 23,308,000 |
| Securities held to maturity | 1,273,000 | 1,442,000 | 1,370,000 | 1,322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,694,000 | 72,205,000 | 73,197,000 | 75,338,000 |
| Interest-bearing deposits | 61,816,000 | 64,624,000 | 65,579,000 | 68,183,000 |
| Noninterest-bearing deposits | 7,878,000 | 7,581,000 | 7,618,000 | 7,155,000 |
| Equity capital | 7,435,000 | 7,622,000 | 7,563,000 | 7,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,105,000 | 2,316,000 | 3,577,000 | 4,873,000 |
| Interest expense | 447,000 | 898,000 | 1,307,000 | 1,702,000 |
| Net interest income | 658,000 | 1,418,000 | 2,270,000 | 3,171,000 |
| Noninterest income | 103,000 | 219,000 | 343,000 | 494,000 |
| Noninterest expense | 530,000 | 1,105,000 | 1,711,000 | 2,348,000 |
| Provision for loan losses | 43,000 | 130,000 | 161,000 | 223,000 |
| Pretax income | 188,000 | 476,000 | 831,000 | 1,177,000 |
| Income tax | 58,000 | 162,000 | 282,000 | 396,000 |
| Net income | 130,000 | 314,000 | 549,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,262,000 | 7,429,000 | 7,615,000 | 7,851,000 |
| Total capital | 7,803,000 | 8,047,000 | 8,269,000 | 8,540,000 |
| Risk-weighted assets | 55,183,000 | 60,351,000 | 62,199,000 | 65,429,000 |
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