Provident Bancorp, Inc. (PVBC) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 13.19M | 13.53M | 12.88M | 13.64M | 12.41M | 11.95M | 12.49M | 13.56M | 13.89M | 14.9M | 15.82M | 18.75M |
| NII Growth % | 6.26% | 13.17% | 3.12% | 0.57% | -10.65% | -19.79% | -21.05% | -27.63% | -29.7% | -19.9% | -11.77% | 14.17% |
| Net Interest Margin % | 0.88% | 0.88% | 0.83% | 0.86% | 0.75% | 0.73% | 0.75% | 0.81% | 0.77% | 0.85% | 0.93% | 1.15% |
| Interest Income | 21.31M | 21.3M | 20.58M | 23.12M | 22.43M | 21.87M | 22.04M | 23.57M | 23.23M | 22.88M | 20.63M | 21.02M |
| Interest Expense | 8.12M | 7.77M | 7.71M | 9.48M | 10.02M | 9.92M | 9.55M | 10M | 9.34M | 7.97M | 4.81M | 2.27M |
| Loan Loss Provision | -418K | -378K | -12K | -1.57M | 1.69M | 6.46M | -5.58M | -1.23M | -156K | -1.07M | 1.78M | -970K |
| Non-Interest Income | 1.26M | 1.86M | 1.06M | 1.08M | 1.3M | 1.29M | 1.11M | 1.28M | 1.49M | 1.42M | 1.71M | 1.01M |
| Non-Interest Income % | 5.6% | 8.03% | 4.91% | 4.45% | 5.49% | 5.57% | 4.81% | 5.16% | 6.04% | 5.85% | 7.66% | 4.57% |
| Total Revenue | 22.57M | 23.16M | 21.64M | 24.2M | 23.73M | 23.16M | 23.15M | 24.85M | 24.72M | 24.3M | 22.34M | 22.02M |
| Revenue Growth % | -4.88% | -0% | -6.51% | -2.62% | -4% | -4.68% | 3.63% | 12.82% | 13.45% | 18.64% | 14.19% | 20.44% |
| Non-Interest Expense | 11.14M | 11.72M | 11.11M | 9.87M | 11.17M | 11.36M | 12.49M | 12.09M | 12.44M | 12.47M | 12.97M | 16.27M |
| Efficiency Ratio | 49.35% | 50.6% | 51.35% | 40.77% | 47.07% | 49.05% | 53.97% | 48.66% | 50.33% | 51.32% | 58.08% | 73.89% |
| Operating Income | 3.73M | 4.04M | 2.83M | 6.42M | 848K | -4.58M | 6.69M | 3.99M | 3.09M | 4.92M | 2.77M | 4.45M |
| Operating Margin % | 16.51% | 17.47% | 13.1% | 26.54% | 3.57% | -19.76% | 28.89% | 16.06% | 12.52% | 20.25% | 12.41% | 20.19% |
| Operating Income Growth % | 339.62% | 188.4% | -57.61% | 60.93% | -72.59% | -193.01% | 141.18% | -10.28% | 106.55% | -37% | -64.22% | -3.26% |
| Pretax Income | 3.73M | 4.04M | 2.83M | 6.42M | 848K | -4.58M | 6.69M | 3.99M | 3.09M | 4.92M | 2.77M | 4.45M |
| Pretax Margin % | 16.51% | 17.47% | 13.1% | 26.54% | 3.57% | -19.76% | 28.89% | 16.06% | 12.52% | 20.25% | 12.41% | 20.19% |
| Income Tax | 1.06M | 1.22M | 665K | 1.54M | 132K | -1.27M | 1.71M | 1.07M | 628K | 1.46M | 670K | 1.75M |
| Effective Tax Rate % | 28.38% | 30.19% | 23.46% | 23.97% | 15.57% | 27.71% | 25.52% | 26.72% | 20.3% | 29.65% | 24.16% | 39.35% |
| Net Income | 2.67M | 2.82M | 2.17M | 4.88M | 716K | -3.31M | 4.98M | 2.92M | 2.47M | 3.46M | 2.1M | 2.7M |
| Net Margin % | 11.83% | 12.19% | 10.03% | 20.18% | 3.02% | -14.28% | 21.52% | 11.77% | 9.98% | 14.24% | 9.41% | 12.25% |
| Net Income Growth % | 272.9% | 185.37% | -56.43% | 66.96% | -70.97% | -195.58% | 136.85% | 8.42% | 106.98% | -38.41% | -61.94% | -24.85% |
| Net Income (Continuing) | 2.67M | 2.82M | 2.17M | 4.88M | 716K | -3.31M | 4.98M | 2.92M | 2.47M | 3.46M | 2.1M | 2.7M |
| EPS (Diluted) | 0.16 | 0.17 | 0.13 | 0.29 | 0.04 | -0.20 | 0.30 | 0.18 | 0.15 | 0.21 | 0.13 | 0.16 |
| EPS Growth % | 275.59% | 185% | -56.67% | 61.11% | -71.6% | -195.24% | 130.77% | 12.5% | 106.98% | -36.36% | -59.38% | -23.81% |
| EPS (Basic) | 0.16 | 0.17 | 0.13 | 0.29 | 0.04 | -0.20 | 0.30 | 0.18 | 0.15 | 0.21 | 0.13 | 0.16 |
| Diluted Shares Outstanding | 16.98M | 16.95M | 16.92M | 16.86M | 16.81M | 16.71M | 16.72M | 16.69M | 16.65M | 16.57M | 16.53M | 16.61M |