pvbc: the income statement

MyFinsight

Provident Bancorp, Inc. MD (PVBC)

For the quarter ending 2025-06-30, PVBC made $23,147K in revenue. $2,824K in net income. Net profit margin of 12.20%.

Overview

Revenue
$23,147K
Net Income
$2,824K
Net Profit Margin
12.20%
EPS
$0.17
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on short-term investmen...
Other income
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30	2025-03-31	2024-09-30	2024-06-30
Charges and fees-Customer Service Fees	690	-	-	-
Charges and fees-Other Service Fees	442	-	-	-
Other income	764	62	82	190
Bank owned life insurance income	335	327	327	319
Charges and fees	-	991	1,299	1,014
Total noninterest income	2,231	1,380	1,708	1,523
Professional fees	1,124	569	800	984
Other	1,043	610	536	653
Occupancy expense	376	448	452	407
Directors' compensation	197	195	233	177
Marketing expense	62	45	57	76
Salaries and employee benefits	7,338	7,576	7,267	7,293
Data processing	410	421	416	402
Insurance expense	224	221	303	303
Deposit insurance	294	332	334	321
Equipment expense	120	144	159	160
Software depreciation and implementation	532	553	614	584
Service fees	371	318	405	234
Total noninterest expense	12,091	11,432	11,576	11,594
Credit loss (benefit) expense - loans	-384	70	1,666	6,467
Credit loss expense (benefit) - off-balance sheet credit exposures	6	-82	27	-9
Total credit loss (benefit) expense	-378	-12	1,693	6,458
Interest on short-term borrowings	482	306	916	281
Interest on long-term borrowings	30	30	36	31
Interest on deposits	7,261	7,369	9,068	9,607
Total interest expense	7,773	7,705	10,020	9,919
Interest on short-term investments	984	1,013	932	1,318
Interest and dividends on debt securities available-for-sale	231	260	240	243
Interest and fees on loans	20,085	19,307	21,257	20,311
Total interest and dividend income	21,300	20,580	22,429	21,872
Net interest and dividend income	13,527	12,875	12,409	11,953
Net interest and dividend income after credit loss (benefit) expense	13,905	12,887	10,716	5,495
Income (loss) before income tax expense	4,045	2,835	848	-4,576
Income tax expense (benefit)	1,221	665	132	-1,268
Net income (loss)	2,824	2,170	716	-3,308

Average number of common shares outstanding to calculate basic earnings per common share (in shares)	16,860,744	16,822,196	16,748,404	16,706,793
Basic (in dollars per share)	0.17	0.13	0.04	-0.2
Diluted (in dollars per share)	0.17	0.13	0.04	-0.2
Diluted (in shares)	16,954,078	16,924,083	16,811,614	16,706,793

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

MyFinsight

Overview

Revenue
$23,147K
Net Income
$2,824K
Net Profit Margin
12.20%
EPS
$0.17
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on short-term investmen...
Other income
Others

Income Statement

DownloadDownload image

Overview

Revenue
$23,147K
Net Income
$2,824K
Net Profit Margin
12.20%
EPS
$0.17
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on short-term investmen...
Other income
Others

Income Statement

DownloadDownload image

Overview

Revenue$23,147KNet Income$2,824KNet Profit Margin12.20%EPS$0.17Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on short-term investmen...Other incomeOthers

Income Statement

Overview

Revenue$23,147KNet Income$2,824KNet Profit Margin12.20%EPS$0.17Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on short-term investmen...Other incomeOthers

Income Statement

Revenue
$23,147K
Net Income
$2,824K
Net Profit Margin
12.20%
EPS
$0.17
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on short-term investmen...
Other income
Others

Revenue
$23,147K
Net Income
$2,824K
Net Profit Margin
12.20%
EPS
$0.17
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on short-term investmen...
Other income
Others