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Income Overview
Net Income
$2,670K
EPS
$0.16
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-12-31
Interest and fees on loans
19,606
20,085
19,307
20,828*
Interest and dividends on debt securities available-for-sale
220
231
260
263*
Interest on short-term investments
1,484
984
1,013
1,917*
Total interest and dividend income
21,310
21,300
20,580
23,007*
Interest on deposits
7,877
7,261
7,369
8,666*
Interest on short-term borrowings
219
482
306
369*
Interest on long-term borrowings
28
30
30
24*
Total interest expense
8,124
7,773
7,705
9,058*
Net interest and dividend income
13,186
13,527
12,875
13,949*
Credit gain (benefit) expense - loans
-353
-384
70
-11,312*
Credit loss (benefit) expense - off-balance sheet credit exposures
-65
6
-82
89*
Total credit gain (benefit) expense
-418
-378
-12
-11,223*
Net interest and dividend income after credit loss (benefit) expense
13,604
13,905
12,887
25,172*
Charges and fees-Customer Service Fees
686
690
-
-
Charges and fees-Other Service Fees
306
-
-
-
Charges and fees
-
-
991
813*
Charges and fees-Other Service Fees
-
442
-
-
Bank owned life insurance income
349
335
327
313*
Other income
217
764
62
-60*
Total noninterest income
1,558
2,231
1,380
1,066*
Salaries and employee benefits
7,749
7,338
7,576
7,828*
Occupancy expense
426
376
448
378*
Equipment expense
115
120
144
132*
Deposit insurance
331
294
332
325*
Data processing
429
410
421
408*
Marketing expense
61
62
45
-5*
Professional fees
823
1,124
569
1,007*
Directors' compensation
197
197
195
167*
Software depreciation and implementation
532
532
553
558*
Insurance expense
224
224
221
301*
Service fees
294
371
318
171*
Other
253
1,043
610
-3*
Total noninterest expense
11,434
12,091
11,432
11,264*
Income before income tax expense
3,728
4,045
2,835
14,973*
Income tax expense
1,058
1,221
665
3,814*
Net income
2,670
2,824
2,170
11,159
Basic EPS
0.16
0.17
0.13
0.667
Diluted EPS
0.16
0.17
0.13
0.663
Basic Average Shares
16,897,892
16,860,744
16,822,196
16,726,913
Diluted Average Shares
17,071,693
16,954,078
16,924,083
16,830,272
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$19,606K
(-7.77%↓ Y/Y)
Interest on short-term
investments
$1,484K
(59.23%↑ Y/Y)
Interest and dividends on
debt securities...
$220K
(-8.33%↓ Y/Y)
Total interest and
dividend income
$21,310K
(-4.99%↓ Y/Y)
Credit gain (benefit)
expense - loans
-$353K
(-121.19%↓ Y/Y)
Credit loss (benefit)
expense - off-balance...
-$65K
(-340.74%↓ Y/Y)
Net interest and
dividend income
$13,186K
(6.26%↑ Y/Y)
Total credit gain
(benefit) expense
-$418K
(-124.69%↓ Y/Y)
Charges and
fees-Customer Service Fees
$686K
Bank owned life
insurance income
$349K
(6.73%↑ Y/Y)
Charges and fees-Other
Service Fees
$306K
Other income
$217K
(164.63%↑ Y/Y)
Total interest
expense
$8,124K
(-18.92%↓ Y/Y)
Net interest and
dividend income after...
$13,604K
(26.95%↑ Y/Y)
Total noninterest
income
$1,558K
(-8.78%↓ Y/Y)
Interest on deposits
$7,877K
(-13.13%↓ Y/Y)
Interest on short-term
borrowings
$219K
(-76.09%↓ Y/Y)
Interest on long-term
borrowings
$28K
(-22.22%↓ Y/Y)
Income before income
tax expense
$3,728K
(339.62%↑ Y/Y)
Total noninterest
expense
$11,434K
(-1.23%↓ Y/Y)
Net income
$2,670K
(272.91%↑ Y/Y)
Income tax expense
$1,058K
(701.52%↑ Y/Y)
Salaries and employee
benefits
$7,749K
(6.63%↑ Y/Y)
Professional fees
$823K
(2.88%↑ Y/Y)
Software depreciation
and implementation
$532K
(-13.36%↓ Y/Y)
Data processing
$429K
(3.13%↑ Y/Y)
Occupancy expense
$426K
(-5.75%↓ Y/Y)
Deposit insurance
$331K
(-0.90%↓ Y/Y)
Service fees
$294K
(-27.41%↓ Y/Y)
Other
$253K
(-52.80%↓ Y/Y)
Insurance expense
$224K
(-26.07%↓ Y/Y)
Directors' compensation
$197K
(-15.45%↓ Y/Y)
Equipment expense
$115K
(-27.67%↓ Y/Y)
Marketing expense
$61K
(7.02%↑ Y/Y)
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Provident Bancorp, Inc. MD (PVBC)
Provident Bancorp, Inc. MD (PVBC)