0001277902-21-000004.txt : 20210218 0001277902-21-000004.hdr.sgml : 20210218 20210218160541 ACCESSION NUMBER: 0001277902-21-000004 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 17 CONFORMED PERIOD OF REPORT: 20210218 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210218 DATE AS OF CHANGE: 20210218 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MVB FINANCIAL CORP CENTRAL INDEX KEY: 0001277902 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 200034461 STATE OF INCORPORATION: WV FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-38314 FILM NUMBER: 21649529 BUSINESS ADDRESS: STREET 1: 301 VIRGINIA AVENUE CITY: FAIRMONT STATE: WV ZIP: 26554-2777 BUSINESS PHONE: 3043634800 MAIL ADDRESS: STREET 1: 301 VIRGINIA AVENUE CITY: FAIRMONT STATE: WV ZIP: 26554-2777 8-K 1 mvbf-20210218.htm 8-K mvbf-20210218
FALSE000127790200012779022021-02-182021-02-18

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):February 18, 2021
MVB Financial Corp.
(Exact name of registrant as specified in its charter)
West Virginia
000-50567
20-0034461
(State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

301 Virginia Avenue, Fairmont, WV
26554-2777
(Address of principal executive offices)(Zip Code)

(304) 363-4800
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, $1.00 par valueMVBFThe Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).     

Emerging growth company ☐     

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐


Item 2.02.    Results of Operations and Financial Condition.

On February 18, 2021, MVB Financial Corp. (NASDAQ: MVBF) issued a press release announcing its financial results for the quarter ended December 31, 2020. A copy of the release is furnished as Exhibit 99.1 to this report.

In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibit 99.1, is hereby furnished and shall not be deemed "filed" for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, (the "Securities Act") or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01.    Financial Statements and Exhibits.

(d) Exhibits.

99.1    Press release of MVB Financial Corp. dated February 18, 2021


SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

MVB Financial Corp.
By:/s/ Larry F. Mazza
Larry F. Mazza
President and Chief Executive Officer

Date: February 18, 2021


EXHIBIT INDEX


Exhibit NumberDescriptionExhibit Location
Press release of MVB Financial Corp. dated February 18, 2021Filed herewith
XBRL Taxonomy Extension Schema DocumentFiled herewith
XBRL Taxonomy Extension Calculation DocumentFiled herewith
XBRL Taxonomy Extension Definition Linkbase DocumentFiled herewith
XBRL Taxonomy Extension Label Linkbase DocumentFiled herewith
XBRL Taxonomy Extension Presentation Linkbase DocumentFiled herewith


 EX-99.1 2 q42020earningsrelease.htm EXHIBIT 99.1 - EARNINGS RELEASE Document
Exhibit 99.1
mvbf1.jpg
N E W S R E L E A S E





MEDIA CONTACT
Amy Baker
VP, Corporate Communications and Marketing
MVB Bank
abaker@mvbbanking.com
(844) 682-2265

MVB Financial Corp. Reports Strong Fourth Quarter 2020 Results and Finishes 2020 with Record Earnings
(FAIRMONT, W.Va.) February 18, 2021 – MVB Financial Corp. (NASDAQ: MVBF) (“MVB Financial,” “MVB,” or the “Company”) today reported net income of $11.8 million, or $1.00 basic and $0.97 diluted earnings per share, for the three months ended December 31, 2020. For the year ended December 31, 2020, the Company reported net income of $37.4 million, or $3.13 basic and $3.06 diluted earnings per share.
QuarterlyFull Year
20202020201920202019
Fourth QuarterThird QuarterFourth Quarter
Net income$11,838 $6,491 $4,095 $37,411 $26,991 
Earnings per share - basic$1.00 $0.53 $0.34 $3.13 $2.26 
Earnings per share - diluted$0.97 $0.53 $0.32 $3.06 $2.20 

FOURTH QUARTER 2020 HIGHLIGHTS
•Deposits: Noninterest-bearing (“NIB”) deposits were $715.8 million as of December 31, 2020, an increase of $73.0 million, or 11.3%, from September 30, 2020, and an increase of $437.2 million, or 157.0%, from December 31, 2019. As of December 31, 2020, NIB deposits were 36.1% of total deposits, compared to 33.9% at September 30, 2020, and 22.0% as of December 31, 2019.
•Asset Quality: Allowance for loan losses to total loans was 1.8% as of December 31, 2020, a decrease of four basis points from September 30, 2020, and an increase of 92 basis points from December 31, 2019. Excluding Paycheck Protection Program (“PPP”) loans of $82.0 million which are generally fully guaranteed by the U.S. government, allowance for loan losses to total loans was 1.9% as of December 31, 2020, a decrease of five basis points from September 30, 2020, and an increase of 102 basis points from December 31, 2019.
•Growth in Tangible Book Value (“TBV”) per Share: TBV per share, a non-GAAP measure, was $19.73 as of December 31, 2020, an increase of $1.07, or 5.7%, from September 30, 2020, and an increase of $4.53, or 29.8%, from December 31, 2019. A reconciliation of TBV is included as the last page of this
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release.
•Capital: MVB Bank, Inc. (“MVB Bank” or the “Bank”) finished the fourth quarter with consistently strong capital ratios. As of December 31, 2020, the Bank’s leverage ratio was 11.0%, the Tier 1 risk-based capital ratio was 14.6%, and the total risk-based capital ratio was 15.8%. The Company’s tangible common equity to tangible assets was 9.8% as of December 31, 2020. Also, during the fourth quarter of 2020, the Company repurchased 668,390 shares totaling $13.1 million through a share repurchase plan and a tender offer.

FINTECH HIGHLIGHTS
•Financial technology related companies (“Fintech”) deposits totaled $533.0 million as of December 31, 2020, an increase of $168.2 million, or 46.1%, from September 30, 2020, and an increase of $382.8 million, or 254.8%, from December 31, 2019.
•Gaming deposits, included in total Fintech deposits, were $357.9 million as of December 31, 2020, an increase of $151.3 million, or 73.3%, from September 30, 2020, and an increase of $237.6 million, or 197.5%, from December 31, 2019.

MANAGEMENT OVERVIEW
The Company completed a very successful year and continued to further strengthen capital and maintained a significant allowance for loan losses, all while generating competitive earnings of $11.8 million in the fourth quarter to position the Company for continued success in the future.

The Bank paid off all Federal Home Loan Bank (“FHLB”) and other borrowings during the fourth quarter and further reduced its reliance on brokered certificates of deposit (“CDs”) and higher-cost deposits by replacing these deposits with noninterest-bearing deposits. The growth in noninterest-bearing deposits was primarily driven by MVB’s continual execution of strategic initiatives in Fintech and specialty deposits.

“Despite the challenges of the COVID-19 pandemic, 2020 ended as one of the most successful years in MVB history. MVB completed multiple strategic transactions, created growth in tangible book value and shareholder value during unprecedented times, and onboarded a number of highly talented and experienced Team Members. I could not be more grateful to Team MVB and what we have accomplished,” said Larry F. Mazza, President and CEO, MVB Financial Corp. “MVB is well positioned into 2021 with an extremely strong balance sheet, strong capital and liquidity positions. Our continued execution in our Fintech and gaming verticals gives us the ability to expand our product base on the financial frontier.”

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LOANS
Loans, excluding PPP loans of $82.0 million, totaled $1.37 billion as of December 31, 2020, an increase of $31.1 million, or 2.3%, from September 30, 2020, and a decrease of $2.8 million, or 0.2%, from December 31, 2019. The tax-equivalent yield on loans, including PPP loans, was 4.7% for the quarter ended December 31, 2020, an increase of 20 basis points from the quarter ended September 30, 2020, and a decrease of 39 basis points from the quarter ended December 31, 2019. The increase was primarily due to an increase of $0.9 million in loan fees, an increase of $0.4 million in accretion related to the loans acquired from The First State Bank (“First State”), and the mortgage combination announced during the third quarter of 2020 that caused a significant decrease in lower-yielding loans held-for-sale.

Loans held-for-sale totaled $1.1 million as of December 31, 2020, a decrease of $1.2 million, or 53.2%, from September 30, 2020, and a decrease of $108.7 million, or 99.0%, from December 31, 2019, as a result of the MVB Mortgage combination to form Intercoastal Mortgage, LLC as previously announced on July 1, 2020.

DEPOSITS
Deposits totaled $1.98 billion as of December 31, 2020, an increase of $83.4 million, or 4.4%, from September 30, 2020, and an increase of $717.3 million, or 56.7%, from December 31, 2019. Noninterest-bearing deposits were $715.8 million as of December 31, 2020, an increase of $73.0 million, or 11.3%, from September 30, 2020, and an increase of $437.2 million, or 157.0%, from December 31, 2019. As of December 31, 2020, NIB deposits were 36.1% of total deposits, compared to 33.9% at September 30, 2020, and 22.0% as of December 31, 2019.

Throughout 2020, the Company used the influx of noninterest-bearing deposits to pay off FHLB and other borrowings and decrease reliance on higher-cost funding sources. Also as a result of the increase in deposits, the Company’s loan to deposit ratio was 73.3% as of December 31, 2020.

NET INTEREST INCOME
Net interest income for the quarter ended December 31, 2020, was $17.7 million, an increase of $1.2 million, or 7.1%, compared to the quarter ended September 30, 2020, and an increase of $1.8 million, or 11.5%, compared to the quarter ended December 31, 2019. Net interest margin, on a fully tax-equivalent basis, for the quarter ended December 31, 2020, was 3.4%, a decrease of 1 basis point compared to the quarter ended September 30, 2020, and a decrease of 14 basis points compared to the quarter ended December 31, 2019. Net interest margin was primarily impacted by excess liquidity and PPP loans originated during the second quarter of 2020. For the quarter ended December 31, 2020, excess liquidity accounted for 29 basis points of the
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decrease and the PPP loans originated during the second quarter accounted for 10 basis points of the decrease. The tax-equivalent adjustments are added to net interest income and are $0.4 million for the quarter ended December 31, 2020, $0.3 million for the quarter ended September 30, 2020, and $0.3 million for the quarter ended December 31, 2019. Excluding the impact of the FDIC-assisted acquisition of First State, the fully-tax equivalent net interest margin for the quarter ended December 31, 2020 would have decreased 12 basis points.

Interest income for the quarter ended December 31, 2020 was $19.4 million, an increase of $0.7 million, or 3.9%, compared to the quarter ended September 30, 2020, and a decrease of $1.9 million, or 8.8%, compared to the quarter ended December 31, 2019. The 90-basis point increase in the yield on real estate loans compared to the quarter ended September 30, 2020, was partially offset by a 7-basis point decrease in the tax-equivalent yield on investment securities. The increase in the yield on real estate loans was due to the mortgage combination announced during the third quarter of 2020 that caused a significant decrease in lower-yielding loans held-for-sale. The decrease in the tax-equivalent yield on earning assets of 101-basis points compared to the quarter ended December 31, 2019 was the result of a 51-basis point decrease in the yield on commercial loans and a 25-basis point decrease in the tax-equivalent yield on investment securities.

A significant factor in the decrease in the tax-equivalent yield on earning assets has been the continuing increase in the Company’s liquidity. For the quarter ended December 31, 2020, interest-bearing deposits with banks, CDs with banks, and investment securities were 31% of average earning assets, compared to 22% for the quarter ended September 30, 2020, and compared to 15% for the quarter ended December 31, 2019.

Interest expense for the quarter ended December 31, 2020 was $1.7 million, a decrease of $0.5 million, or 21.3%, compared to the quarter ended September 30, 2020, and a decrease of $3.7 million, or 68.9%, compared to the quarter ended December 31, 2019. The decrease compared to the quarter ended September 30, 2020 was a result of a 14-basis point decrease in the cost of interest-bearing liabilities, primarily the result of a 180-basis point decrease in the cost of FHLB and other borrowings that was partially offset by a 216-basis point increase in the cost of subordinated debt. The decrease compared to the quarter ended December 31, 2019 was the result of a 104-basis point decrease in the cost of interest-bearing liabilities, primarily the result of a 153-basis point decrease in the cost of FHLB and other borrowings and a 131-basis point decrease in the cost of money market accounts.

An increase in the Company's average noninterest-bearing balances of $144.1 million from the quarter ended September 30, 2020 helped to maintain a 18-basis point favorable spread on the tax-equivalent net interest margin for the quarter ended December 31, 2020, compared to a 21-basis point favorable spread for the
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quarter ended September 30, 2020.

An increase in the Company’s average noninterest-bearing balances of $389.9 million from the quarter ended December 31, 2019 helped to maintain a 18-basis point favorable spread on the tax-equivalent net interest margin for the quarter ended December 31, 2020 compared to a 35-basis point favorable spread for the quarter ended December 31, 2019.

ASSET QUALITY
Provision for loan losses for the quarter ended December 31, 2020 was $0.2 million, a decrease of $8.4 million, or 97.5%, from the quarter ended September 30, 2020, and remained consistent with the comparable period of 2019. As a result of the changes in provision, allowance for loan losses to total loans, excluding the fair value mark totaling $16.9 million on the loans acquired from First State was 1.8% as of December 31, 2020, a decrease of four basis points from September 30, 2020, and an increase of 92 basis points from December 31, 2019. Excluding PPP loans of $82.0 million, allowance for loan losses to total loans was 1.9% as of December 31, 2020, a decrease of five basis points from September 30, 2020, and an increase of 102 basis points from December 31, 2019. The Company continues to evaluate the effects of COVID-19 as it relates to the asset quality of the loan portfolio and will continue to evaluate and assess the need for additional loan loss provision in 2021.

Nonperforming loans decreased $1.2 million to $13.7 million, or 0.9%, of total loans as of December 31, 2020, compared to September 30, 2020. In addition, net charge-offs were $0.3 million, or 0.1% of total loans for the quarter ended December 31, 2020. Commercial loan modifications continue to decrease and totaled $34.7 million as of December 31, 2020, down from $41.1 million as of September 30, 2020. Mortgage loan modifications also continue to decrease and totaled $13.5 million as of December 31, 2020, down from $15.5 million as of September 30, 2020. These modifications include interest-only payments and payment deferrals. Of the current commercial loan modifications, $32.5 million were related to the hotel portfolio and all related payments are current. These modifications were not considered to be troubled debt restructurings.

NONINTEREST INCOME
Noninterest income for the quarter ended December 31, 2020 was $16.6 million, a decrease of $2.3 million, or 12.3%, compared to the quarter ended September 30, 2020, and an increase of $1.8 million, or 12.3%, compared to the quarter ended December 31, 2019.

The $2.3 million decrease in noninterest income from the quarter ended September 30, 2020, was due to
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decreases of $3.3 million in gain on mortgage combination transaction recognized during the third quarter of 2020, and $3.1 million in equity method investment income from the MVB Mortgage combination to form Intercoastal Mortgage that occurred during the third quarter of 2020. These decreases were partially offset by a $3.4 million gain the Company recognized from a sale of a portion of one of its Fintech investments.

The $1.8 million increase in noninterest income from the quarter ended December 31, 2019, was due to increases of $10.6 million in equity method investment income from Intercoastal Mortgage and a $3.4 million gain on the sale of equity securities from the sale of a portion of one of the Company’s Fintech investments, and $1.4 million in gain on derivatives. These increases were partially offset by a decrease of $13.0 million in mortgage fee income.

NONINTEREST EXPENSE
Noninterest expense for the quarter ended December 31, 2020 was $20.9 million, an increase of $2.6 million, or 14.4%, compared to the quarter ended September 30, 2020, and a decrease of $4.1 million, or 16.4%, compared to the quarter ended December 31, 2019.

The $2.6 million increase in noninterest expense from the quarter ended September 30, 2020, was due to an increase of $1.8 million in salaries and employee benefits and an increase of $0.9 million in professional fees. The increase in salaries and employee benefits was primarily the result of a $1.0 million increase in incentive compensation and a $0.6 million increase in salaries.

The $4.1 million decrease in noninterest expense from the quarter ended December 31, 2019, was due to a decrease of $3.5 million in salaries and employee benefits and a decrease of $0.7 million in travel, entertainment, dues, and subscriptions expense. Of the decrease in salaries and employee benefits, $7.9 million was related to the MVB Mortgage combination to form Intercoastal Mortgage and was partially offset by a $2.2 million increase in salaries primarily at the Bank and a $1.1 million increase in incentive compensation.

TENDER OFFER AND STOCK REPURCHASE PROGRAM
As previously announced on December 23, 2020, the Company announced the final results of its modified Dutch Auction tender offer to purchase, for cash, up to $45.0 million of its common stock at a price per share not less than $18 and not greater than $20.25. A total of 536,490 shares of the Company’s common stock were repurchased for an aggregate cost of approximately $10.9 million, excluding fees and expenses related to the tender offer.

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In connection with the announcement of the final results of the tender offer, the Company also announced that on or before December 31, 2021, the Company may repurchase up to $31.9 million of additional shares of its common stock, including shares that were not otherwise purchased in the aforementioned tender offer, under the Company’s previously announced stock repurchase program. Such repurchases may occur from time to time, on the open market or otherwise, at such prices and upon such terms as the Company may determine and otherwise in accordance with applicable law.

During the fourth quarter of 2020, the Company repurchased 668,390 shares totaling $13.1 million and a total of 796,414 shares totaling $15.0 million were repurchased in 2020. These figures include common stock repurchased through the tender offer.

SUBORDINATED DEBT
As previously announced on November 30, 2020, MVB completed a private placement of $40 million of 4.25% fixed-to-floating rate subordinated notes to certain qualified institutional buyers. The notes are unsecured and have a ten-year term maturing on December 1, 2030.

DIVIDEND
As previously announced on November 18, 2020, MVB issued its fourth quarterly dividend for 2020, totaling a $0.36 per share payout year-to-date. The Company declared a quarterly cash dividend of $0.09 per share payable on December 15, 2020, to shareholders of record at the close of business on December 1, 2020.

SUBSEQUENT EVENT
As previously announced on December 28, 2020, the Company issued a notice of redemption to redeem all of its outstanding shares of Convertible Noncumulative Perpetual Preferred Stock, Series B and Series C. On January 28, 2021, preferred stock in the amount of $7.3 million was redeemed.

About MVB Financial Corp.
MVB Financial Corp., the holding company of MVB Bank, Inc., is publicly traded on The Nasdaq Capital Market® under the ticker “MVBF.” Nasdaq is a leading global provider of trading, clearing, exchange technology, listing, information and public company services. Through its subsidiary, MVB Bank, Inc., and the Bank’s subsidiaries, MVB Community Development Corporation, Chartwell Compliance, Paladin Fraud and MVB Technology, the Company provides financial services to individuals and corporate clients in the Mid-Atlantic region and beyond. For more information about MVB, please visit http://ir.mvbbanking.com.

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Forward-Looking Statements
MVB Financial Corp. has made forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, in this earnings release that are intended to be covered by the protections provided under the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on current expectations about the future and subject to risks and uncertainties. Forward-looking statements include, without limitation, information concerning possible or assumed future results of operations of the Company and its subsidiaries. Forward-looking statements can be identified by the use of words such as “may,” “could,” “should,”, “would,” “will,” “plans,” “believes,” “estimates,” “expects,” “anticipates,” “intends,” “continues,” or the negative of those terms or similar expressions. Note that many factors could affect the future financial results of the Company and its subsidiaries, both individually and collectively, and could cause those results to differ materially from those expressed in forward-looking statements. Therefore, undue reliance should not be placed upon any forward-looking statements. Those factors include but are not limited to: market, economic, operational, liquidity, and credit risk; changes in market interest rates; inability to achieve anticipated synergies and successfully integrate recent mergers and acquisitions; inability to successfully execute business plans, including strategies related to investments in financial technology companies; competition; length and severity of the COVID-19 pandemic and its impact on the Company’s business and financial condition; changes in economic, business, and political conditions; changes in demand for loan products and deposit flow; operational risks and risk management failures; and government regulation and supervision. Additional factors that may cause actual results to differ materially from those described in the forward-looking statements can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019, as well as its other filings with the SEC, which are available on the SEC’s website at www.sec.gov. Except as required by law, the Company disclaims any obligation to update, revise, or correct any forward-looking statements.

Accounting standards require the consideration of subsequent events occurring after the balance sheet date for matters that require adjustment to, or disclosure in, the consolidated financial statements. The review period for subsequent events extends up to and including the filing date of a public company’s financial statements when filed with the Securities and Exchange Commission. Accordingly, the consolidated financial information in this announcement is subject to change.

Questions or comments concerning this Earnings Release should be directed to:
MVB Financial Corp.
Donald T. Robinson, Executive Vice President and CFO
(304) 598-3500
drobinson@mvbbanking.com
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MVB Financial Corp.
Financial Highlights
Condensed Consolidated Statements of Income
(Unaudited) (Dollars in thousands, except per share data)
QuarterlyFull Year
20202020201920202019
Fourth QuarterThird QuarterFourth Quarter
Interest income$19,353 $18,627 $21,230 $80,453 $82,361 
Interest expense1,666 2,117 5,365 11,627 22,961 
Net interest income17,687 16,510 15,865 68,826 59,400 
Provision for loan losses214 8,631 232 16,579 1,789 
Net interest income after provision for loan losses17,473 7,879 15,633 52,247 57,611 
Noninterest income:
Mortgage fee income— 7,264 13,015 33,427 41,045 
Other income16,576 11,634 1,741 58,410 23,559 
Total noninterest income16,576 18,898 14,756 91,837 64,604 
Noninterest expense:
Salaries and employee benefits12,269 10,519 15,723 61,629 56,175 
Other expense8,618 7,746 9,260 35,512 31,026 
Total noninterest expenses20,887 18,265 24,983 97,141 87,201 
Income from continuing operations, before income taxes13,162 8,512 5,406 46,943 35,014 
Income tax expense - continuing operations1,324 2,021 1,311 9,532 8,450 
Net income from continuing operations11,838 6,491 4,095 37,411 26,564 
Income from discontinued operations, before income taxes— — — — 575 
Income tax expense - discontinued operations— — — — 148 
Net income from discontinued operations— — — — 427 
Net income$11,838 $6,491 $4,095 $37,411 $26,991 
Preferred dividends116 116 115 461 479 
Net income available to common stockholders$11,722 $6,375 $3,980 $36,950 $26,512 
Earnings per share from continuing operations - basic$1.00 $0.53 $0.34 $3.13 $2.22 
Earnings per share from discontinued operations - basic— — — — 0.04 
Earnings per share - basic$1.00 $0.53 $0.34 $3.13 $2.26 
Earnings per share from continuing operations - diluted$0.97 $0.53 $0.32 $3.06 $2.16 
Earnings per share from discontinued operations - diluted— — — — 0.04 
Earnings per share - diluted$0.97 $0.53 $0.32 $3.06 $2.20 

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Condensed Consolidated Balance Sheets
(Unaudited) (Dollars in thousands)
December 31, 2020September 30, 2020December 31, 2019
Cash and cash equivalents$263,893 $295,823 $28,002 
Certificates of deposit with banks11,803 12,301 12,549 
Investment securities available-for-sale410,624 297,964 235,821 
Equity securities27,585 24,164 18,514 
Loans held-for-sale1,062 2,271 109,788 
Loans receivable1,453,744 1,428,593 1,374,541 
Allowance for loan losses(25,844)(25,913)(11,775)
Loans receivable, net1,427,900 1,402,680 1,362,766 
Premises and equipment, net26,203 26,176 21,974 
Assets of branches held-for-sale— — 46,554 
Goodwill2,350 2,350 19,630 
Other assets160,056 150,730 88,516 
Total assets$2,331,476 $2,214,459 $1,944,114 
Noninterest-bearing deposits$715,791 $642,835 $278,547 
Interest-bearing deposits1,266,598 1,256,122 986,495 
Deposits of branches held-for-sale— — 188,270 
FHLB and other borrowings— 25,800 222,885 
Subordinated debt43,407 4,124 4,124 
Other liabilities66,197 51,462 51,857 
Stockholders' equity239,483 234,116 211,936 
Total liabilities and stockholders' equity$2,331,476 $2,214,459 $1,944,114 


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Reportable Segments
(Unaudited)
Twelve Months Ended December 31, 2020Commercial & Retail BankingMortgage BankingFinancial Holding CompanyIntercompany EliminationsConsolidated
(Dollars in thousands)
Interest income$75,812 $6,269 $3 $(1,631)$80,453 
Interest expense10,400 3,139 261 (2,173)11,627 
Net interest income (loss)65,412 3,130 (258)542 68,826 
Provision for (recovery of) loan losses16,649 (70)— — 16,579 
Net interest income (loss) after provision for loan losses48,763 3,200 (258)542 52,247 
Noninterest Income:
Mortgage fee income247 33,722 — (542)33,427 
Other income30,082 29,768 6,685 (8,125)58,410 
Total noninterest income30,329 63,490 6,685 (8,667)91,837 
Noninterest Expenses:
Salaries and employee benefits28,801 21,550 11,278 — 61,629 
Other expenses33,298 5,074 5,265 (8,125)35,512 
Total noninterest expenses62,099 26,624 16,543 (8,125)97,141 
Income (loss) before income taxes16,993 40,066 (10,116)— 46,943 
Income tax expense (benefit)1,752 9,862 (2,082)— 9,532 
Net income (loss)$15,241 $30,204 $(8,034)$— $37,411 
Preferred stock dividends— — 461 — 461 
Net income (loss) available to common shareholders$15,241 $30,204 $(8,495)$— $36,950 

11

Twelve Months Ended December 31, 2019Commercial & Retail BankingMortgage BankingFinancial Holding CompanyIntercompany EliminationsConsolidated
(Dollars in thousands)
Interest income$75,874 $8,342 $13 $(1,868)$82,361 
Interest expense18,698 6,014 769 (2,520)22,961 
Net interest income (loss)57,176 2,328 (756)652 59,400 
Provision for loan losses1,622 167 — — 1,789 
Net interest income (loss) after provision for loan losses55,554 2,161 (756)652 57,611 
Noninterest Income:
Mortgage fee income657 41,040 — (652)41,045 
Other income23,033 1,289 6,268 (7,031)23,559 
Total noninterest income23,690 42,329 6,268 (7,683)64,604 
Noninterest Expenses:
Salaries and employee benefits19,067 28,432 8,676 — 56,175 
Other expenses25,070 8,136 4,851 (7,031)31,026 
Total noninterest expenses44,137 36,568 13,527 (7,031)87,201 
Income (loss) from continuing operations, before income taxes35,107 7,922 (8,015)— 35,014 
Income tax expense (benefit) - continuing operations8,175 2,155 (1,880)— 8,450 
Net income (loss) from continuing operations$26,932 $5,767 $(6,135)$— $26,564 
Income from discontinued operations, before income taxes$— $— $575 $— $575 
Income tax expense - discontinued operations$— $— $148 $— $148 
Net income from discontinued operations$— $— $427 $— $427 
Net income (loss)$26,932 $5,767 $(5,708)$— $26,991 
Preferred stock dividends— — 479 — 479 
Net income (loss) available to common shareholders$26,932 $5,767 $(6,187)$— $26,512 

12

Average Balances and Interest Rates
(Unaudited) (Dollars in thousands)
Three Months EndedThree Months EndedThree Months Ended
December 31, 2020September 30, 2020December 31, 2019
Average
Balance		Interest
Income/
Expense		Yield/
Cost		Average
Balance		Interest
Income/
Expense		Yield/
Cost		Average
Balance		Interest
Income/
Expense		Yield/
Cost
Assets
Interest-bearing deposits in banks$266,999 $82 0.12 %$174,203 $45 0.10 %$10,332 $46 1.77 %
CDs with banks11,938 58 1.93 12,641 61 1.91 12,908 64 1.97 
Investment securities:
     Taxable167,968 894 2.12 103,497 411 1.58 134,990 719 2.11 
     Tax-exempt 2
200,666 1,659 3.29 142,301 1,344 3.75 111,262 1,152 4.11 
Loans and loans held-for-sale: 1
     Commercial 3
1,136,899 13,763 4.82 1,160,214 14,108 4.82 1,029,592 13,830 5.33 
     Tax-exempt 2
7,501 92 4.87 7,752 91 4.66 11,709 134 4.54 
     Real estate287,547 3,073 4.25 325,992 2,749 3.35 467,633 5,425 4.60 
     Consumer6,053 99 6.51 6,613 119 7.14 8,148 130 6.33 
Total loans1,438,000 17,027 4.71 1,500,571 17,067 4.51 1,517,082 19,519 5.10 
Total earning assets2,085,571 19,720 3.76 1,933,213 18,928 3.88 1,786,574 21,500 4.77 
Allowance for loan losses(26,568)(18,906)(11,747)
Cash and due from banks22,642 28,299 20,014 
Other assets215,716 205,038 136,650 
     Total assets$2,297,361 $2,147,644 $1,931,491 
Liabilities
Deposits:
     NOW$475,707 $446 0.37 %$381,375 $496 0.52 %$417,838 $1,076 1.02 %
     Money market checking492,519 282 0.23 479,418 380 0.31 366,402 1,424 1.54 
     Savings50,821 (2)(0.02)49,698 7 0.06 36,120 1 0.01 
     IRAs13,410 49 1.45 12,389 44 1.41 16,786 81 1.91 
     CDs235,412 679 1.15 334,828 967 1.15 341,270 1,733 2.01 
Repurchase agreements and federal funds sold10,070 4 0.16 10,145 4 0.16 9,733 11 0.45 
FHLB and other borrowings19,589 25 0.51 34,138 199 2.31 193,487 997 2.04 
Subordinated debt17,835 183 4.08 4,124 20 1.92 4,124 42 4.04 
     Total interest-bearing liabilities1,315,363 1,666 0.50 1,306,115 2,117 0.64 1,385,760 5,365 1.54 
Noninterest-bearing demand deposits686,537 542,467 296,651 
Other liabilities59,841 68,223 41,244 
     Total liabilities2,061,741 1,916,805 1,723,655 
Stockholders’ equity
Preferred stock7,334 7,334 7,334 
Common stock12,095 12,066 11,920 
Additional paid-in capital124,970 124,003 121,549 
Treasury stock(5,922)(2,022)(1,084)
Retained earnings98,046 90,113 70,570 
Accumulated other comprehensive loss(903)(655)(2,453)
     Total stockholders’ equity235,620 230,839 207,836 
     Total liabilities and stockholders’ equity$2,297,361 $2,147,644 $1,931,491 
Net interest spread (tax-equivalent)3.26 3.24 3.23 
Net interest income and margin (tax-equivalent) 2
$18,054 3.44 %$16,811 3.45 %$16,135 3.58 %
Less: Tax-equivalent adjustments$(367)$(301)$(270)
Net interest spread3.19 3.18 3.17 
Net interest income and margin$17,687 3.37 %$16,510 3.39 %$15,865 3.52 %
1 Non-accrual loans are included in total loan balances, lowering the effective yield for the portfolio in the aggregate.
2 In order to make pre-tax income and resultant yields on tax-exempt loans and investment securities comparable to those on taxable loans and investment securities, a tax-equivalent adjustment has been computed using a Federal tax rate of 21% for the periods presented, which is a non-GAAP financial measure. See the reconciliation of this non-GAAP financial measure to its most directly comparable GAAP financial measure following this table.
3 The Company’s PPP loans, totaling $82.0 million at December 31, 2020, are included in this amount for the three months ended December 31, 2020.
13

Average Balances and Interest Rates
(Unaudited) (Dollars in thousands)
Twelve Months EndedTwelve Months EndedTwelve Months Ended
December 31, 2020December 31, 2019December 31, 2018
Average
Balance		Interest
Income/
Expense		Yield/
Cost		Average
Balance		Interest
Income/
Expense		Yield/
Cost		Average
Balance		Interest
Income/
Expense		Yield/
Cost
Assets
Interest-bearing deposits in banks$125,259 $191 0.15 %$9,264 $209 2.26 %$5,176 $108 2.09 %
CDs with banks12,484 246 1.97 14,097 280 1.99 14,778 295 2.00 
Investment securities:
     Taxable121,607 2,448 2.01 129,486 3,055 2.36 150,134 3,580 2.38 
     Tax-exempt 2
144,389 5,361 3.71 103,235 4,456 4.32 79,161 3,557 4.49 
Loans and loans held-for-sale: 1
     Commercial 3
1,136,858 54,434 4.79 987,674 53,087 5.37 854,108 43,099 5.05 
     Tax-exempt 2
8,966 422 4.70 12,549 561 4.47 14,352 632 4.40 
     Real estate403,166 18,100 4.49 447,891 21,220 4.74 395,302 18,794 4.75 
     Consumer6,973 465 6.67 8,948 547 6.11 11,349 575 5.07 
Total loans1,555,963 73,421 4.72 1,457,062 75,415 5.18 1,275,111 63,100 4.95 
Total earning assets1,959,702 81,667 4.17 1,713,144 83,414 4.87 1,524,360 70,640 4.63 
Allowance for loan losses(18,079)(11,318)(10,530)
Cash and due from banks26,460 17,625 16,828 
Other assets181,439 131,370 106,600 
     Total assets$2,149,522 $1,850,821 $1,637,258 
Liabilities
Deposits:
     NOW$408,110 $2,521 0.62 %$381,092 $3,586 0.94 %$432,789 $3,246 0.75 %
     Money market checking458,606 2,680 0.58 331,636 5,144 1.55 245,008 2,455 1.00 
     Savings45,420 6 0.01 38,324 4 0.01 44,049 29 0.07 
     IRAs13,691 218 1.59 17,415 329 1.89 17,894 285 1.59 
     CDs349,787 4,869 1.39 387,660 8,376 2.16 319,720 5,620 1.76 
Repurchase agreements and federal funds sold9,856 23 0.23 11,252 48 0.43 18,536 56 0.30 
FHLB and other borrowings68,407 1,049 1.53 183,812 4,704 2.56 190,686 4,259 2.23 
Subordinated debt7,568 261 3.45 12,124 770 6.35 25,774 1,756 6.81 
     Total interest-bearing liabilities1,361,445 11,627 0.85 1,363,315 22,961 1.68 1,294,456 17,706 1.37 
Noninterest-bearing demand deposits502,457 258,546 171,631 
Other liabilities61,169 33,810 10,304 
     Total liabilities1,925,071 1,655,671 1,476,391 
Stockholders’ equity
Preferred stock7,334 7,660 7,834 
Common stock12,047 11,762 11,082 
Additional paid-in capital130,312 118,837 107,669 
Treasury stock(2,637)(1,084)(1,084)
Retained earnings77,044 61,712 42,509 
Accumulated other comprehensive income (loss)351 (3,737)(7,143)
     Total stockholders’ equity224,451 195,150 160,867 
     Total liabilities and stockholders’ equity$2,149,522 $1,850,821 $1,637,258 
Net interest spread (tax-equivalent)3.32 3.19 3.26 
Net interest income and margin (tax-equivalent) 2
$70,040 3.57 %$60,453 3.53 %$52,934 3.47 %
Less: Tax-equivalent adjustments$(1,214)$(1,053)$(880)
Net interest spread3.25 3.13 3.21 
Net interest income and margin$68,826 3.51 %$59,400 3.47 %$52,054 3.41 %
1 Non-accrual loans are included in total loan balances, lowering the effective yield for the portfolio in the aggregate.
2 In order to make pre-tax income and resultant yields on tax-exempt loans and investment securities comparable to those on taxable loans and investment securities, a tax-equivalent adjustment has been computed using a Federal tax rate of 21% for the periods presented, which is a non-GAAP financial measure. See the reconciliation of this non-GAAP financial measure to its most directly comparable GAAP financial measure following this table.
3 The Company’s PPP loans, totaling $82.0 million at December 31, 2020, are included in this amount for the twelve months ended December 31, 2020..
14


The following table reconciles, as of the dates set forth below, net interest margin on a fully tax-equivalent basis:
Three Months EndedTwelve Months Ended
(Dollars in thousands)December 31, 2020September 30, 2020December 31, 2019December 31, 2020December 31, 2019December 31, 2018
Net interest margin - U.S. GAAP basis
Net interest income$17,687 $16,510 $15,865 $68,826 $59,400 $52,054 
Average interest-earning assets2,085,571 1,933,213 1,786,574 1,959,702 1,713,144 1,524,360 
Net interest margin3.37 %3.39 %3.52 %3.51 %3.47 %3.41 %
Net interest margin - non-U.S. GAAP basis
Net interest income$17,687 $16,510 $15,865 $68,826 $59,400 $52,054 
Plus: Impact of fully tax-equivalent adjustment367 301 270 1,214 1,053 880 
Net interest income on a fully tax-equivalent basis18,054 16,811 16,135 70,040 60,453 52,934 
Average interest-earning assets2,085,571 1,933,213 1,786,574 1,959,702 1,713,144 1,524,360 
Net interest margin on a fully tax-equivalent basis3.44 %3.45 %3.58 %3.57 %3.53 %3.47 %
15

Selected Financial Data
(Unaudited) (Dollars in thousands, except per share data)
QuarterlyFull Year
20202020201920202019
Fourth QuarterThird QuarterFourth Quarter
Earnings and Per Share Data:
Net income from continuing operations$11,838 $6,491 $4,095 $37,411 $26,564 
Net income from discontinued operations$— $— $— $— $427 
Net income$11,838 $6,491 $4,095 37,411 26,991 
Net income available to common shareholders$11,722 $6,375 $3,980 36,950 26,512 
Earnings per share from continuing operations - basic$1.00 $0.53 $0.34 $3.13 $2.22 
Earnings per share from discontinued operations - basic$— $— $— $— $0.04 
Earnings per share - basic$1.00 $0.53 $0.34 $3.13 $2.26 
Earnings per share from continuing operations - diluted$0.97 $0.53 $0.32 $3.06 $2.16 
Earnings per share from discontinued operations - diluted$— $— $— $— $0.04 
Earnings per share - diluted$0.97 $0.53 $0.32 $3.06 $2.20 
Cash dividends paid per common share$0.09 $0.09 $0.07 $0.36 $0.195 
Book value per common share$20.14 $19.07 $17.13 $20.14 $17.13 
Tangible book value per common share 8
$19.73 $18.66 $15.20 $19.73 $15.20 
Weighted-average shares outstanding - basic11,752,841 11,948,989 11,869,091 11,821,574 11,713,885 
Weighted-average shares outstanding - diluted12,144,471 12,116,418 12,334,423 12,088,106 12,044,667 
Performance Ratios:
Return on average assets - continuing operations 1
2.1 %1.2 %0.8 %1.7 %1.4 %
Return on average assets - discontinued operations 1
— %— %— %— %— %
Return on average assets 1
2.1 %1.2 %0.8 %1.7 %1.5 %
Return on average equity - continuing operations 1
20.1 %11.3 %7.9 %16.7 %13.6 %
Return on average equity - discontinued operations 1
— %— %— %— %0.2 %
Return on average equity 1
20.1 %11.3 %7.9 %16.7 %13.8 %
Net interest margin 2 3
3.44 %3.45 %3.58 %3.57 %3.53 %
Efficiency 4
61.0 %51.6 %81.6 %60.5 %70.3 %
Overhead 1 5
3.6 %3.4 %5.2 %4.5 %4.7 %
Equity to assets10.3 %10.6 %10.9 %10.3 %10.9 %
Asset Quality Data and Ratios:
Charge-offs$300 $111 $332 $2,190 $1,009 
Recoveries$16 $5 $1 $33 $55 
Net loan charge-offs to total loans 1 6
0.1 %— %0.1 %0.1 %0.1 %
Allowance for loan losses$25,844 $25,913 $11,775 $25,844 $11,775 
Allowance for loan losses to total loans 7
1.8 %1.8 %0.9 %1.8 %0.9 %
Nonperforming loans$13,713 $14,893 $5,123 $13,713 $5,123 
Nonperforming loans to total loans0.9 %1.0 %0.4 %0.9 %0.4 %
1 annualized for the quarterly periods presented
2 net interest income as a percentage of average interest earning assets
3 presented on a fully tax-equivalent basis
4 noninterest expense as a percentage of net interest income and noninterest income
5 noninterest expense as a percentage of average assets
6 charge-offs less recoveries
7 excludes loans held-for-sale
8 This is a non-U.S. GAAP measure that the Company believes is helpful to interpreting financial results. For a reconciliation to the most directly comparable U.S. GAAP financial measure, please see “Non-U.S. GAAP Reconciliation” on the next page.
16

Non-GAAP Reconciliation: Tangible Book Value per Common Share
(Unaudited) (Dollars in thousands)
QuarterlyFull Year
20202020201920202019
Fourth QuarterThird QuarterFourth Quarter
Goodwill$2,350 $2,350 $19,630 $2,350 $19,630 
Other intangibles2,400 2,554 3,473 2,400 3,473 
Total intangibles4,750 4,904 23,103 4,750 23,103 
Total equity239,483 234,116 211,936 239,483 211,936 
Less: Preferred equity(7,334)(7,334)(7,334)(7,334)(7,334)
Less: Total intangibles(4,750)(4,904)(23,103)(4,750)(23,103)
Tangible common equity227,399 221,878 181,499 227,399 181,499 
Tangible common equity227,399 221,878 181,499 227,399 181,499 
Common shares outstanding (000s)11,52611,88911,94411,52611,944
Tangible book value per common share$19.73 $18.66 $15.20 $19.73 $15.20 


###

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Cover
Feb. 18, 2021
Cover [Abstract]  
Pre-commencement Issuer Tender Offer false
Entity Address, Address Line One 301 Virginia Avenue
Entity Emerging Growth Company false
Entity Central Index Key 0001277902
Amendment Flag false
Written Communications false
Document Type 8-K
Pre-commencement Tender Offer false
Soliciting Material false
Local Phone Number 363-4800
City Area Code 304
Entity Address, Postal Zip Code 26554-2777
Entity Address, State or Province WV
Entity Address, City or Town Fairmont
Entity Tax Identification Number 20-0034461
Entity File Number 000-50567
Entity Incorporation, State or Country Code WV
Entity Registrant Name MVB Financial Corp
Document Period End Date Feb. 18, 2021
XML 11 R2.htm IDEA: XBRL DOCUMENT v3.20.4
Details
Feb. 18, 2021
Cover [Abstract]  
Title of 12(b) Security Common stock, $1.00 par value
Trading Symbol MVBF
Security Exchange Name NASDAQ
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