Company:  MVB FINANCIAL CORP (MVBF)
Form Type:  10-K
Filing Date:  3/29/2013 
CIK:  0001277902 
Address:  301 VIRGINIA AVENUE 
City, State, Zip:  FAIRMONT, West Virginia 26554-2777 
Telephone:  (304) 363-4800 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$16.74  
Change: 
0.00 (0.00%)  
Trade Time: 
Apr 23  
Market Cap: 
$129.00M
Description of Business
MVB Financial Corp. (�the Company�) was formed on January 1, 2004, as a bank holding company and, effective December 19, 2012, became a financial holding company. The Company features multiple subsidiaries and affiliated businesses, including MVB Bank, Inc. (the �Bank� or �MVB Bank�) and its wholly-owned subsidiary MVB Mortgage and MVB Insurance, LLC (�MVB Insurance�). On December 31, 2013, three Company subsidiaries, MVB-Central, Inc. (a second-tier level holding company), MVB-East, Inc. (a second tier holding company) and Bank Compliance Solutions, Inc. (an inactive subsidiary) were merged into the Company. The Bank was formed on October 30, 1997 and chartered under the laws of the State of West Virginia. The Bank commenced operations on January 4, 1999. In August of 2005, the Bank opened a full service office in neighboring Harrison County, West Virginia.
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  FORM 10-K
    PART I
      ITEM 1.BUSINESS
      ITEM 1A.RISK FACTORS
      ITEM 1B.UNRESOLVED STAFF COMMENTS
      ITEM 2.PROPERTIES
      ITEM 3. LEGAL PROCEEDINGS
      ITEM 4.MINE SAFETY DISCLOSURES
    PART II
      ITEM 5.MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      ITEM 6. SELECTED FINANCIAL DATA
      ITEM 7.MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
      ITEM 7A.QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      ITEM 8.FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
          BALANCE SHEET
          CASH FLOW
        REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
      ITEM 9.CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      ITEM 9A.CONTROLS AND PROCEDURES
      ITEM 9B.OTHER INFORMATION
    PART III
      ITEM 10.DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
      ITEM 11.EXECUTIVE COMPENSATION
      ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND ...
      ITEM 13.CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND ...
      ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES
    PART IV
      ITEM 15.EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
    EXHIBIT INDEX
  EXHIBIT 11
  EXHIBIT 14
  EXHIBIT 21
  EXHIBIT 24
    POWER OF ATTORNEY AND SIGNATURES
  EXHIBIT 31.1
    Form 10-K Certification
  EXHIBIT 31.2
    Form 10-K Certification
  EXHIBIT 99.2
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