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Income Statement
Balance Sheet
Cash Flow Statement

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Provident Bancorp, Inc.

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
In millions, except per share itemsDec-31-18Dec-31-17
    Interest income:  
        Interest income on loans  40.432.5
        Interest income on investments  1.73.2
        Interest on deposits  4.52.9
    Total interest expense  5.23.7
Net interest income  37.132.1
Net interest income after provision for loan losses  37.132.1
        Other non-interest income  4.210.0
Total non-interest income  4.210.0
Non-interest expenses  25.423.7
Pre-tax income  12.615.3
Income taxes  3.27.4
            Tax rate  25.8%48.4%
Net income  9.37.9
            Net margin  22.5%18.8%
Basic EPS  $1.01$0.86
Diluted EPS  $1.00$0.86
Shares outstanding (basic)  9.29.2
Shares outstanding (diluted)  9.39.2
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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