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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

Provident Bancorp, Inc.

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
In millions, except per share itemsDec-31-19Dec-31-18Dec-31-17
    Interest income:  
        Interest income on loans  49.740.432.5
        Interest income on investments
        Interest on deposits
    Total interest expense
Net interest income  43.437.132.1
Net interest income after provision for loan losses  43.437.132.1
        Other non-interest income
Total non-interest income
Non-interest expenses  27.625.423.7
Pre-tax income  14.612.615.3
Income taxes
            Tax rate  26.1%25.8%48.4%
Net income
            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)
Shares outstanding (diluted)
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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