Call reports 2005
MVB BANK, INC. — 2005
What MVB BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 114,193,000 | 118,851,000 | 128,007,000 | 151,329,000 |
| Total loans | 78,516,000 | 85,927,000 | 93,632,000 | 105,214,000 |
| Allowance for loan losses | 897,000 | 880,000 | 921,000 | 873,000 |
| Securities available for sale | 17,830,000 | 19,612,000 | 19,096,000 | 24,926,000 |
| Securities held to maturity | 1,445,000 | 1,431,000 | 1,418,000 | 3,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,969,000 | 89,123,000 | 95,216,000 | 114,398,000 |
| Interest-bearing deposits | 80,487,000 | 78,458,000 | 83,908,000 | 100,430,000 |
| Noninterest-bearing deposits | 11,482,000 | 10,665,000 | 11,308,000 | 13,968,000 |
| Equity capital | 8,898,000 | 14,028,000 | 17,592,000 | 18,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 3,020,000 | 4,701,000 | 6,687,000 |
| Interest expense | 456,000 | 971,000 | 1,539,000 | 2,327,000 |
| Net interest income | 1,015,000 | 2,049,000 | 3,162,000 | 4,360,000 |
| Noninterest income | 168,000 | 338,000 | 566,000 | 846,000 |
| Noninterest expense | 775,000 | 1,838,000 | 2,983,000 | 4,255,000 |
| Provision for loan losses | 35,000 | 55,000 | 110,000 | 160,000 |
| Pretax income | 373,000 | 489,000 | 630,000 | 786,000 |
| Income tax | 127,000 | 145,000 | 174,000 | 195,000 |
| Net income | 246,000 | 344,000 | 456,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,024,000 | 14,141,000 | 17,752,000 | 17,253,000 |
| Total capital | 9,921,000 | 15,021,000 | 18,673,000 | 18,126,000 |
| Risk-weighted assets | 79,454,000 | 87,504,000 | 94,972,000 | 110,172,000 |
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