Call reports 2004
MVB BANK, INC. — 2004
What MVB BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 97,439,000 | 102,801,000 | 105,338,000 | 106,186,000 |
| Total loans | 66,084,000 | 72,188,000 | 75,573,000 | 78,844,000 |
| Allowance for loan losses | 727,000 | 795,000 | 831,000 | 891,000 |
| Securities available for sale | 22,593,000 | 20,730,000 | 20,296,000 | 18,919,000 |
| Securities held to maturity | 1,290,000 | 1,708,000 | 1,733,000 | 1,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,429,000 | 81,761,000 | 84,988,000 | 85,486,000 |
| Interest-bearing deposits | 70,789,000 | 72,321,000 | 75,186,000 | 76,270,000 |
| Noninterest-bearing deposits | 7,640,000 | 9,440,000 | 9,802,000 | 9,216,000 |
| Equity capital | 8,239,000 | 8,056,000 | 8,619,000 | 8,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,638,000 | 4,074,000 | 5,554,000 |
| Interest expense | 380,000 | 762,000 | 1,154,000 | 1,570,000 |
| Net interest income | 900,000 | 1,876,000 | 2,920,000 | 3,984,000 |
| Noninterest income | 156,000 | 328,000 | 502,000 | 660,000 |
| Noninterest expense | 626,000 | 1,277,000 | 1,951,000 | 2,645,000 |
| Provision for loan losses | 43,000 | 134,000 | 192,000 | 269,000 |
| Pretax income | 387,000 | 793,000 | 1,279,000 | 1,730,000 |
| Income tax | 155,000 | 316,000 | 510,000 | 627,000 |
| Net income | 232,000 | 477,000 | 769,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,134,000 | 8,155,000 | 8,606,000 | 8,830,000 |
| Total capital | 8,861,000 | 8,950,000 | 9,437,000 | 9,721,000 |
| Risk-weighted assets | 68,181,000 | 73,946,000 | 75,946,000 | 78,384,000 |
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