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Income Statement
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Provident Bancorp, Inc.

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
 
In millions, except per share itemsDec-31-19Dec-31-18Dec-31-17
   10-K10-KS-1
    Interest income:  
        Interest income on loans  49.740.432.5
        Interest income on investments  1.51.73.2
       51.542.30.1
        Interest on deposits  6.34.52.9
    Total interest expense  8.15.23.7
Net interest income  43.437.132.1
Net interest income after provision for loan losses  43.437.132.1
        Other non-interest income  4.14.210.0
Total non-interest income  4.14.210.0
Non-interest expenses  27.625.423.7
Pre-tax income  14.612.615.3
Income taxes  3.83.27.4
            Tax rate  26.1%25.8%48.4%
Net income  10.89.37.9
            Net margin  22.8%22.6%18.8%
   
Basic EPS  $0.60$0.50$0.86
Diluted EPS  $0.60$0.50$0.86
   
Shares outstanding (basic)  18.018.79.2
Shares outstanding (diluted)  18.118.89.2
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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