0001778784-21-000002.txt : 20210129 0001778784-21-000002.hdr.sgml : 20210129 20210129123517 ACCESSION NUMBER: 0001778784-21-000002 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20210128 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210129 DATE AS OF CHANGE: 20210129 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Provident Bancorp, Inc. /MD/ CENTRAL INDEX KEY: 0001778784 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-39090 FILM NUMBER: 21569807 BUSINESS ADDRESS: STREET 1: 5 MARKET STREET CITY: AMESBURY STATE: MA ZIP: 01913 BUSINESS PHONE: (978) 388-0050 MAIL ADDRESS: STREET 1: 5 MARKET STREET CITY: AMESBURY STATE: MA ZIP: 01913 8-K 1 pvbc-20210128x8k.htm 8-K pvbc-20210128x8k
false000177878400017787842021-01-282021-01-28

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 28, 2021

PROVIDENT BANCORP, INC.

(Exact Name of Registrant as Specified in Charter)

Maryland

001-39090

84-4132422

(State or Other Jurisdiction

(Commission File No.)

(I.R.S. Employer

of Incorporation)

Identification No.)

5 Market Street, Amesbury, Massachusetts

01913

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s telephone number, including area code: (978) 834-8555

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol

Name of each exchange on which registered

Common stock

PVBC

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company

x

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. x


‎

Item 2.02 Results of Operations and Financial Condition

On January 28, 2021, Provident Bancorp, Inc. (the “Company”) issued a press release announcing its earnings for the quarter and year ended December 31, 2020. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference. The information contained in this Item 2.02, including the related information set forth in the press release, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934.

Item 8.01 Other Events

On January 28, 2021, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.03 per share of common stock. The dividend will be payable on February 26, 2021 to shareholders of record as of February 11, 2021. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

ExhibitDescription

99.1 Press release dated January 28, 2021

104The cover page from this current report on Form 8-K, formatted in Inline XBRL


‎

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

PROVIDENT BANCORP, INC.

DATE: January 29, 2021

By:

/s/ David P. Mansfield

David P. Mansfield

President and Chief Executive Officer

 EX-99.1 2 pvbc-20210128xex99_1.htm EX-99.1 EX-991 Earnings Release

Provident Bancorp, Inc. Reports Earnings for the December 31, 2020 Quarter and Year and Continues Payment of Quarterly Cash Dividends of $0.03 per Share

Company Release – 01/28/2021



Amesbury, Massachusetts — Provident Bancorp, Inc. (the “Company”) (NasdaqCM: PVBC), the holding company for The Provident Bank (the “Bank”), reported net income for the three months ended December 31, 2020 of $4.3 million, or $0.24 per diluted share, compared to $2.6 million, or $0.14 per diluted share, for the three months ended December 31, 2019. Net income for the year ended December 31, 2020 was $12.0 million, or $0.66 per diluted share, compared to $10.8 million, or $0.60 per diluted share, for the year ended December 31, 2019.



The Company also announced that its Board of Directors has declared a quarterly cash dividend of $0.03 per share, which will be paid on February 26, 2021 to stockholders of record as of February 11, 2021.



In announcing these results, Dave Mansfield, Chief Executive Officer said, “As we reflect on 2020, I am proud of how adaptable and resilient our organization has been in the face of intense and unprecedented challenges. Our team worked tirelessly to ensure we were able to assist our customers and local businesses as they weathered the financial impacts caused by the COVID-19 pandemic. From the beginning of the pandemic through its recent resurgence, we  worked diligently to ensure operations could continue with little-to-no disruption, processed hundreds of applications for Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”) loans and subsequently assisted with applications to the SBA for forgiveness on these loans. We launched our new BankProv brand, instituted a stock repurchase program and succeeded in forming new lending relationships to grow our loan portfolio. None of this would have been possible without the dedication and perseverance of our employees. It is because of them that we were able to triumph over an incredibly challenging year. Although there is still a great deal of uncertainty surrounding the continued and lasting impacts of the pandemic, it is with a strong financial foundation and great optimism that we enter this new year. With that we are excited to announce the payment of our fourth quarterly cash dividend.”



COVID–19 Response



The Company’s market area has experienced a surge in COVID-19 cases in the fourth quarter. Although the Company’s market area had implemented a phased reopen plan, the resurgence of COVID-19 has resulted in a re-tightening of restrictions.  Many companies have been able to adjust their operations to adapt to the COVID-19 environment, however, restrictions continue to limit many companies’ ability to operate at full capacity and continue to cause significant disruption.



To cushion the continued economic fallout, Congress approved a bill in December which allocated additional funds to the SBA for a second round of PPP loans. The SBA, in consultation with the U.S. Treasury department, announced that it will resume the PPP in January of 2021. The Company plans to actively participate in the second round of the PPP, which will provide loans to small businesses negatively impacted by the COVID-19 pandemic. Loans issued under this program are fully guaranteed by the U.S. government. During the first round of the PPP the Company originated $78.0 million in PPP loans, of which $36.2 million were forgiven by the SBA and $41.8 million were outstanding at December 31, 2020.  The Company continues to work with customers who received loans under the first wave of the PPP on applying for loan forgiveness.



The Company continues to focus on meeting the needs of its customers and strives to operate as normally as possible during the pandemic. Due to the resurgence of COVID-19 cases in the fourth quarter, the Company limited customer access to most retail branch lobbies to appointment only. The Company continues to maintain close communication with commercial customers and has allowed for loan deferral extensions on an as-needed and case-by-case basis. Most loans that were modified under the CARES Act during the first two quarters of 2020 have resumed repayment or have been paid off. We have not noted any significant delinquencies related to these loans. As of December 31, 2020, remaining loan modifications that were made under the CARES Act totaled $43.1 million, or 3.2% of total loans, compared to $175.4 million, or 12.9% of total loans at September 30, 2020.



The newly developed vaccines do provide optimism, however, there remains significant uncertainty about COVID-19 as there is no way to know if or when full economic activity will resume to pre-pandemic levels.  While it is not possible to know the full extent of the impact COVID-19 will have on the Company’s operations, the Company will continue to disclose potentially material items of which it is aware.





1

 

 

Financial Results



Net interest and dividend income before provision for loan losses increased by $3.8 million, or 32.8%, compared to the three months ended December 31, 2019 and increased by $11.1 million, or 25.5%, compared to the year ended December 31, 2019. The growth in net interest and dividend income for the three months ended December 31, 2020 compared to the three months ended December 31, 2019 is primarily the result of an increase in our average interest-earning assets of $364.0 million, or 34.9%, offset by an increase in average interest-bearing liabilities of $178.8 million, or 26.9%, and a decrease in net interest margin of six basis points to 4.37%. The growth in net interest and dividend income for the year ended December 31, 2020 compared to 2019 is primarily the result of an increase in average interest-earning assets of $309.6 million, or 31.7%, offset by an increase in average interest-bearing liabilities of $111.2 million, or 16.7%, and a  decrease in the net interest margin of 21 basis points to 4.23%. The decrease in the net interest margin is the result of a combination of factors including a decreasing rate environment and an increase in mortgage warehouse loan balances which yield a lower rate. The net interest margin benefitted from the accretion of fee income related to the forgiveness of the SBA PPP loans. The amount of income recognized from the forgiveness totaled $962,000 for the three months and year ended December 31, 2020. Excluding this income, net interest margin would be 4.09% and 4.16% for the three months and year ended December 31, 2020, respectively. As of December 31, 2020, there was $993,000 in SBA PPP fee income remaining to be accreted. 



Provision for loan losses of $866,000 were recognized for the three months ended December 31, 2020 compared to $1.7 million for the same period in 2019. For the year ended December 31, 2020, provision for loan losses of $5.6 million were recognized compared to $5.3 million for the year ended December 31, 2019.  The changes in the provision were based on management’s assessment of loan portfolio growth and composition changes, historical charge-off trends, levels of problem loans and other asset quality trends. The Company has reviewed certain qualitative factors in light of significant economic deterioration due to COVID-19. Due to the continued uncertainty caused by COVID-19, including the surge of cases in the fourth quarter, continued provisions were recognized. The decrease in the provision for the quarter ended December 31, 2020 compared to the same period in 2019 is related to $1.4 million in specific reserves that were recognized in the fourth quarter of 2019. The reserves were related to an $18.6 million loan relationship that was restructured in the first quarter of 2020. For the year ended December 31, 2020 the increased provision was offset by a decrease in net charge offs, which were $925,000 for the year ended December 31, 2020 compared to $3.2 million for the year ended December 31, 2019.



The allowance for loan losses as a percentage of total loans was 1.39% as of December 31, 2020 compared to 1.42% as of December 31, 2019.  Included in total loans is $41.8 million in PPP loans originated as part of the CARES Act that we believe have no credit risk due to a government guarantee, therefore we have not provided for losses for these loans. Excluding these loans, the allowance for loan losses as a percentage of total loans was 1.43% as of December 31, 2020.  As of December 31, 2020, we had $265.4 million in outstanding mortgage warehouse loan balances.  Loans in this segment are facility lines to non-bank mortgage origination companies for sale into secondary markets, which is typically within 15 days of the loan closure. Due to their short-term nature,  these loans are assessed at a lower credit risk and do not carry the same allocation as traditional loans. The allowance for loan losses as a percentage of non-performing loans was 341.72% as of December 31, 2020 compared to 237.58% as of December 31, 2019. Non-performing loans were $5.4 million, or 0.36% of total assets as of December 31, 2020, compared to $5.8 million, or 0.52% of total assets, as of December 31, 2019.  As of December 31, 2020, non-performing loans consist primarily of two commercial relationships.  These loan relationships were evaluated for impairment and specific reserves of $1.9 million were allocated as of December 31, 2020. 



Noninterest income decreased $51,000, or 5.3%, to $918,000 for the three months ended December  31, 2020 compared to $969,000 for the same period in 2019. The decrease is primarily due to a decrease in other service charges and fees, and customer service fees on deposit accounts partially offset by an increase in bank owned life insurance income. Other service charges and fees decreased  $66,000, or 15.9%, and customer service fees on deposit accounts decreased $30,000, or 8.3%, primarily due to higher average deposit balances, which resulted in decreased overdraft fees and service charges. Bank owned life insurance income increased $52,000, or 30.1%, due to the purchase of additional insurance policies.  For the year ended December 31, 2020, noninterest income decreased $568,000, or 13.8%, to $3.5 million compared to $4.1 million for the year ended December 31, 2019. The decrease is primarily due to a decrease in gains on sales of securities, other service charges and fees, and customer service fees on deposit accounts, partially offset by an increase in bank owned life insurance income.  Gains on sales of securities were zero for the year ended December 31, 2020 compared to $113,000 for the year ended December 31, 2019 as we repositioned our investment portfolio in debt securities available for sale by selling securities with maturity dates that were coming due and purchasing securities with longer terms to maturity. Other service charges and fees decreased  $461,000, or 25.9%, and customer service fees on deposit accounts decreased  $121,000, or 8.3%, primarily due to waived service charges and fees during the second quarter for customers impacted by COVID-19 and decreased consumer spending. Bank owned life insurance income increased $110,000, or 15.7%, due to the purchase of additional insurance policies.  



Noninterest expense increased $2.0 million, or 26.6%, to $9.5 million for the three months ended December 31, 2020 compared to $7.5 million for the three months ended December 31, 2019. The increase is primarily due to an increase in salaries and employee benefits expense,  professional fees and a write down of other assets and receivables partially offset by a decrease in marketing expense.  The increase of $848,000, or 16.3%, for the three months ended December 31, 2020 in salary and employee benefits was primarily due to a higher number of sales and operations positions compared to the same period in 2019 and the addition of staff from the mortgage warehouse lending asset purchase. Professional fees increased $480,000, or 280.7%, primarily due to additional legal costs associated

2

 

 

with the adoption of our 2020 equity incentive plan, increased audit and compliance costs and consulting services to aid in the development of deposit and lending products and services. A write-down of other assets and receivables was completed after the Company performed an evaluation and deemed $400,000 impaired.  Marketing expense decreased $104,000, or 71.2%, primarily due to increased marketing costs in 2019 related to the development of the new BankProv brand which was rolled out in 2020. For the year ended December 31, 2020, noninterest expense increased $8.2 million, or 29.9%, to $35.8 million compared to $27.6 million for the year ended December 31, 2019. The increase is primarily due to an increase in salaries and employee benefits, professional fees,  deposit insurance costs and write-downs on other assets and receivables partially offset by decreases in occupancy and marketing expenses. The increase of $4.9 million, or 27.0%, for the year ended December 31, 2020 in salary and employee benefits was primarily due to a higher number of sales and operations positions compared to 2019, the addition of staff from the mortgage warehouse operations and ESOP expense, which increased due to the acquisition of additional shares from our second-step conversion and related stock offering in October 2019.  Write down of other assets and receivables were $2.2 million for the year ended December 31, 2020 compared to zero for the year ended December 31, 2019.  In the fourth quarter a write-down of other investments was completed after the Company performed an evaluation and deemed $400,000 impaired. A write-down of an SBA receivable balance was completed in the third quarter after the Company evaluated the collectability and determined that $1.3 million was uncollectible. In addition, a write-down of a notes receivable balance of $500,000 was completed in the first quarter after the Company evaluated the collectability and determined it was uncollectible. Deposit insurance costs increased $213,000 or 104.9%, primarily due to decreased expenses in 2019 relating to FDIC assessment credits. Professional fees increased $658,000 or 54.4%, primarily due to increased audit and compliance costs as well as consulting services to aid in the development of deposit and lending services. The increase is also a result of a one-time credit received in 2019 relating to an insurance settlement. Occupancy expense decreased $284,000, or 14.4%, primarily due to the acceleration of amortization on our leasehold improvements related to the closure of our Hampton, New Hampshire branch in 2019. Marketing expense decreased $162,000, or 42.1%, primarily due to increased marketing costs in 2019 related to the development of the new BankProv brand which was rolled out in 2020.



As of December 31, 2020,  total assets have increased $383.4 million, or 34.2%, to $1.51 billion compared to $1.12 billion at December 31, 2019. The primary reasons for the increase are increases in net loans,  cash and cash equivalents, bank owned life insurance and accrued interest receivable, partially offset by a decrease in investments in debt securities available-for-sale. Net loans increased $355.5 million, or 37.1%, to $1.31 billion as of December 31, 2020 compared to $959.3 million at December 31, 2019. The increase in net loans was due to an increase in commercial loans of $114.2 million, or 25.3%, the acquisition and growth of mortgage warehouse loans to $265.4 million, and an increase in commercial real estate loans of $20.6 million, or 4.9%, partially offset by decreases in construction and land development loans of $17.8 million, or 38.1%, residential real estate loans of $12.9 million, or 28.3%, and consumer loans of $7.2 million, or 56.4%. Included in commercial loans at December 31, 2020 are $41.8 million in SBA PPP loans. The increase in cash and cash equivalents of $24.2 million, or 40.5% is primarily due to an increase in deposits. The increase in bank owned life insurance of $9.8 million, or 36.2%, was primarily due to the purchase of additional insurance policies. The increase in accrued interest receivable of $3.5 million, or 123.2%, was primarily due to deferred interest on loan modifications as part of the CARES Act. The decrease in debt securities available-for-sale of $9.6 million, or 22.9%, resulted primarily from principal pay downs on government mortgage-backed securities.



Total liabilities increased $379.1 million, or 42.6%, primarily due to increased deposits partially offset by a decrease in borrowings. Deposits were $1.24 billion as of December 31,  2020, representing an increase of $387.5 million, or 45.6%, compared to December 31, 2019. The increase in deposits was due to an increase of $184.7 million, or 50.0%, in NOW and demand deposits, an increase of $83.3 million, or 30.8% in money market accounts, $83.8 million, or 88.7%, in time deposits, and an increase of $35.7 million, or 30.9%, in savings accounts. Money market deposits and NOW and demand deposits increased primarily due to funds from the origination of PPP loans and increased deposit balances from our existing customer base. The increase in time deposits is primarily due to increases in brokered certificates of deposit of $65.5 million, or 134.9%, and an increase of $31.3 million, or 361.6%, from Qwickrate deposits, where we gather certificates of deposit nationwide by posting rates we will pay on these deposits.  The increase in savings accounts is primarily caused by decreased consumer spending which resulted in increased consumer savings. Borrowings decreased $11.5 million, or 46.0%, to $13.5 million as of December 31, 2020 primarily due to increased deposits funding the loan growth.



As of December 31, 2020, shareholders’ equity was $235.9 million compared to $230.9 million at December 31, 2019, representing an increase of $5.0 million, or 2.1%. The increase was primarily due to net income of $12.0 million, stock-based compensation expense of $1.1 million, other comprehensive income of $600,000 and employee stock ownership plan shares earned of $841,000, partially offset by a decrease of $7.8 million related to the repurchase of common stock and $1.6 million from dividends declared.



About Provident Bancorp, Inc.



Provident Bancorp, Inc. is a Maryland corporation that was formed in 2019 to be the successor corporation to Provident Bancorp, Inc., a Massachusetts corporation, and the holding company for The Provident Bank, which also operates under the name BankProv. The Provident Bank is an innovative, commercial bank that finds solutions for our business and private clients. We are committed to strengthening the economic development of the regions we serve, by working closely with businesses and private clients and delivering superior products and high-touch services to meet their banking needs. The Provident has offices in Massachusetts and New Hampshire. All deposits are insured in full through a combination of insurance provided by the Federal Deposit Insurance Corporation (FDIC) and

3

 

 

the Depositors Insurance Fund (DIF). For more information about The Provident Bank please visit our website www.bankprov.com or call 877-487-2977.



Forward-looking statements



This news release may contain certain forward-looking statements, such as statements of the Company’s or the Bank’s plans, objectives, expectations, estimates and intentions. Forward-looking statements may be identified by the use of words such as, “expects,” “subject,” “believe,” “will,” “intends,” “may,” “will be” or “would.” These statements are subject to change based on various important factors (some of which are beyond the Company’s or the Bank’s control) and actual results may differ materially. Accordingly, readers should not place undue reliance on any forward-looking statements (which reflect management’s analysis of factors only as of the date of which they are given). These factors include: general economic conditions; the effects of any pandemic; trends in interest rates; the ability of our borrowers to repay their loans; and the ability of the Company or the Bank to effectively manage its growth and results of regulatory examinations, among other factors. The foregoing list of important factors is not exclusive. Readers should carefully review the risk factors described in other documents of the Company files from time to time with the Securities and Exchange Commission, including Annual and Quarterly Reports on Forms 10-K and 10-Q, and Current Reports on Form 8-K.



Provident Bancorp, Inc.

Carol Houle, 603-334-1253

Executive Vice President/CFO

choule@bankprov.com















4

 

 

Provident Bancorp, Inc.

Consolidated Balance Sheet







 

 

 

 

 



At

 

At



December 31,

 

December 31,



2020

 

2019

(Dollars in thousands)

 

(unaudited)

 

 

 

Assets

 

 

 

 

 

Cash and due from banks

$

 11,830 

 

$

 11,990 

Short-term investments

 

 71,989 

 

 

 47,668 

Cash and cash equivalents

 

 83,819 

 

 

 59,658 

Debt securities available-for-sale (at fair value)

 

 32,215 

 

 

 41,790 

Federal Home Loan Bank stock, at cost

 

 895 

 

 

 1,416 

Loans, net of allowance for loan losses of $18,518 and $13,844 as of

 

 

 

 

 

December 31, 2020 and 2019, respectively

 

 1,314,810 

 

 

 959,286 

Bank owned life insurance

 

 36,684 

 

 

 26,925 

Premises and equipment, net

 

 14,716 

 

 

 14,728 

Accrued interest receivable

 

 6,371 

 

 

 2,854 

Right-of-use assets

 

 4,258 

 

 

 3,713 

Other assets

 

 12,013 

 

 

 11,418 

Total assets

$

 1,505,781 

 

$

 1,121,788 



 

 

 

 

 

Liabilities and Shareholders' Equity

 

 

 

 

 

Deposits:

 

 

 

 

 

Noninterest-bearing

$

 383,079 

 

$

 222,088 

Interest-bearing

 

 854,349 

 

 

 627,817 

Total deposits

 

 1,237,428 

 

 

 849,905 

Borrowings

 

 13,500 

 

 

 24,998 

Operating lease liabilities

 

 4,488 

 

 

 3,877 

Other liabilities

 

 14,509 

 

 

 12,075 

Total liabilities

 

 1,269,925 

 

 

 890,855 

Shareholders' equity:

 

 

 

 

 

Preferred stock; authorized 50,000 shares:

 

 

 

 

 

no shares issued and outstanding

 

 —

 

 

 —

Common stock, $0.01 par value, 100,000,000 shares authorized;

 

 

 

 

 

19,047,544 and 19,473,818 shares issued and outstanding

 

 

 

 

 

at December 31, 2020 and 2019, respectively

 

 191 

 

 

 195 

Additional paid-in capital

 

 139,450 

 

 

 146,174 

Retained earnings

 

 104,508 

 

 

 94,159 

Accumulated other comprehensive income

 

 1,058 

 

 

 458 

Unearned compensation - ESOP

 

 (9,351)

 

 

 (10,053)

Total shareholders' equity

 

 235,856 

 

 

 230,933 

Total liabilities and shareholders' equity

$

 1,505,781 

 

$

 1,121,788 













5

 

 





Provident Bancorp, Inc.

Consolidated Income Statements







 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended

 

 

Twelve Months Ended



December 31,

 

 

December 31,



2020

 

2019

 

 

2020

 

 

2019

(Dollars in thousands, except per share data)

(unaudited)

Interest and dividend income:

 

 

 

 

 

 

 

 

 

 

 

Interest and fees on loans

$

 16,268 

 

$

 12,883 

 

$

 59,391 

 

$

 49,693 

Interest and dividends on debt securities available-for-sale

 

 196 

 

 

 319 

 

 

 913 

 

 

 1,549 

Interest on short-term investments

 

 18 

 

 

 160 

 

 

 99 

 

 

 296 

Total interest and dividend income

 

 16,482 

 

 

 13,362 

 

 

 60,403 

 

 

 51,538 

Interest expense:

 

 

 

 

 

 

 

 

 

 

 

Interest on deposits

 

 1,039 

 

 

 1,599 

 

 

 5,203 

 

 

 6,258 

Interest on borrowings

 

 73 

 

 

 189 

 

 

 728 

 

 

 1,890 

Total interest expense

 

 1,112 

 

 

 1,788 

 

 

 5,931 

 

 

 8,148 

Net interest and dividend income

 

 15,370 

 

 

 11,574 

 

 

 54,472 

 

 

 43,390 

Provision for loan losses

 

 866 

 

 

 1,677 

 

 

 5,597 

 

 

 5,326 

Net interest and dividend income after provision for loan losses

 

 14,504 

 

 

 9,897 

 

 

 48,875 

 

 

 38,064 

Noninterest income:

 

 

 

 

 

 

 

 

 

 

 

Customer service fees on deposit accounts

 

 333 

 

 

 363 

 

 

 1,331 

 

 

 1,452 

Service charges and fees - other

 

 349 

 

 

 415 

 

 

 1,322 

 

 

 1,783 

Gain on sale of securities, net

 

 —

 

 

 —

 

 

 —

 

 

 113 

Bank owned life insurance income

 

 225 

 

 

 173 

 

 

 809 

 

 

 699 

Other income

 

 11 

 

 

 18 

 

 

 81 

 

 

 64 

Total noninterest income

 

 918 

 

 

 969 

 

 

 3,543 

 

 

 4,111 

Noninterest expense:

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 6,045 

 

 

 5,197 

 

 

 23,175 

 

 

 18,243 

Occupancy expense

 

 430 

 

 

 401 

 

 

 1,684 

 

 

 1,968 

Equipment expense

 

 145 

 

 

 124 

 

 

 577 

 

 

 444 

Deposit insurance

 

 174 

 

 

 90 

 

 

 416 

 

 

 203 

Data processing

 

 300 

 

 

 217 

 

 

 1,000 

 

 

 826 

Marketing expense

 

 42 

 

 

 146 

 

 

 223 

 

 

 385 

Professional fees

 

 651 

 

 

 171 

 

 

 1,868 

 

 

 1,210 

Directors' compensation

 

 208 

 

 

 184 

 

 

 750 

 

 

 741 

Software depreciation and implementation

 

 265 

 

 

 215 

 

 

 959 

 

 

 734 

Write down of other assets and receivables

 

 400 

 

 

 —

 

 

 2,207 

 

 

 —

Other

 

 795 

 

 

 721 

 

 

 2,949 

 

 

 2,802 

Total noninterest expense

 

 9,455 

 

 

 7,466 

 

 

 35,808 

 

 

 27,556 

Income before income tax expense

 

 5,967 

 

 

 3,400 

 

 

 16,610 

 

 

 14,619 

Income tax expense

 

 1,665 

 

 

 849 

 

 

 4,625 

 

 

 3,811 

Net income

$

 4,302 

 

$

 2,551 

 

$

 11,985 

 

$

 10,808 

Earnings per share:

 

 

 

 

 

 

 

 

 

 

 

Basic

$

 0.24 

 

$

 0.14 

 

$

 0.66 

 

$

 0.60 

Diluted

$

 0.24 

 

$

 0.14 

 

$

 0.66 

 

$

 0.60 

Weighted Average Shares:

 

 

 

 

 

 

 

 

 

 

 

Basic

 

 17,912,975 

 

 

 18,006,471 

 

 

 18,090,229 

 

 

 17,958,186 

Diluted

 

 18,007,580 

 

 

 18,135,220 

 

 

 18,131,025 

 

 

 18,066,968 



















6

 

 

Provident Bancorp, Inc.

Net Interest Income Analysis

(Unaudited)













 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



For the Three Months Ended December 31,



2020

 

2019



 

 

 

Interest

 

 

 

 

 

 

Interest

 

 



Average

 

Earned/

 

Yield/

 

Average

 

Earned/

 

Yield/



Balance

 

Paid

 

Rate

 

Balance

 

Paid

 

Rate

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans 

$

 1,290,973 

 

$

 16,268 

 

 5.04% 

 

$

 950,589 

 

$

 12,883 

 

 5.42% 

Debt securities available-for-sale

 

 82,969 

 

 

 18 

 

 0.09% 

 

 

 48,318 

 

 

 160 

 

 1.32% 

Investment securities

 

 33,546 

 

 

 187 

 

 2.23% 

 

 

 43,981 

 

 

 260 

 

 2.36% 

Federal Home Loan Bank stock

 

 895 

 

 

 9 

 

 4.02% 

 

 

 1,519 

 

 

 59 

 

 15.54% 

          Total interest-earning assets

 

 1,408,383 

 

 

 16,482 

 

 4.68% 

 

 

 1,044,407 

 

 

 13,362 

 

 5.12% 

Non-interest earning assets

 

 66,170 

 

 

 

 

 

 

 

 61,358 

 

 

 

 

 

          Total assets

$

 1,474,553 

 

 

 

 

 

 

$

 1,105,765 

 

 

 

 

 

Liabilities and shareholders' equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Savings accounts

$

 143,725 

 

 

 57 

 

 0.16% 

 

$

 149,108 

 

 

 95 

 

 0.25% 

Money market accounts

 

 337,814 

 

 

 477 

 

 0.56% 

 

 

 267,281 

 

 

 774 

 

 1.16% 

NOW accounts

 

 159,428 

 

 

 151 

 

 0.38% 

 

 

 112,529 

 

 

 118 

 

 0.42% 

Certificates of deposit

 

 188,084 

 

 

 354 

 

 0.75% 

 

 

 108,929 

 

 

 612 

 

 2.25% 

Total interest-bearing deposits

 

 829,051 

 

 

 1,039 

 

 0.50% 

 

 

 637,847 

 

 

 1,599 

 

 1.00% 

Borrowings

 

 14,885 

 

 

 73 

 

 1.96% 

 

 

 27,272 

 

 

 189 

 

 2.77% 

Total interest-bearing liabilities

 

 843,936 

 

 

 1,112 

 

 0.53% 

 

 

 665,119 

 

 

 1,788 

 

 1.08% 

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing deposits

 

 371,290 

 

 

 

 

 

 

 

 235,747 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 17,286 

 

 

 

 

 

 

 

 15,560 

 

 

 

 

 

Total liabilities

 

 1,232,512 

 

 

 

 

 

 

 

 916,426 

 

 

 

 

 

Total equity

 

 242,041 

 

 

 

 

 

 

 

 189,339 

 

 

 

 

 

Total liabilities and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

equity

$

 1,474,553 

 

 

 

 

 

 

$

 1,105,765 

 

 

 

 

 

Net interest income

 

 

 

$

 15,370 

 

 

 

 

 

 

$

 11,574 

 

 

Interest rate spread (1)

 

 

 

 

 

 

 4.15% 

 

 

 

 

 

 

 

 4.04% 

Net interest-earning assets (2)

$

 564,447 

 

 

 

 

 

 

$

 379,288 

 

 

 

 

 

Net interest margin (3)

 

 

 

 

 

 

 4.37% 

 

 

 

 

 

 

 

 4.43% 

Average interest-earning assets to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

interest-bearing liabilities

 

 166.88% 

 

 

 

 

 

 

 

 157.03% 

 

 

 

 

 



(1)

Net interest rate spread represents the difference between the weighted average yield on interest-bearing assets and the weighted average rate of interest-bearing liabilities.

(2)

Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(3)

Net interest margin represents net interest income divided by average total interest-earning assets.











































7

 

 

















 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



For the Twelve Months Ended December 31,



2020

 

2019



 

 

 

Interest

 

 

 

 

 

 

Interest

 

 



Average

 

Earned/

 

Yield/

 

Average

 

Earned/

 

Yield/



Balance

 

Paid

 

Rate

 

Balance

 

Paid

 

Rate

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans 

$

 1,209,736 

 

$

 59,391 

 

 4.91% 

 

$

 906,909 

 

$

 49,693 

 

 5.48% 

Short-term investments

 

 38,048 

 

 

 99 

 

 0.26% 

 

 

 19,106 

 

 

 296 

 

 1.55% 

Debt securities available-for-sale

 

 37,320 

 

 

 830 

 

 2.22% 

 

 

 47,793 

 

 

 1,344 

 

 2.81% 

Federal Home Loan Bank stock

 

 1,582 

 

 

 83 

 

 5.25% 

 

 

 3,281 

 

 

 205 

 

 6.25% 

Total interest-earning assets

 

 1,286,686 

 

 

 60,403 

 

 4.69% 

 

 

 977,089 

 

 

 51,538 

 

 5.27% 

Non-interest earning assets

 

 62,741 

 

 

 

 

 

 

 

 62,522 

 

 

 

 

 

          Total assets

$

 1,349,427 

 

 

 

 

 

 

$

 1,039,611 

 

 

 

 

 

Liabilities and shareholders' equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Savings accounts

$

 137,679 

 

 

 314 

 

 0.23% 

 

$

 128,438 

 

 

 419 

 

 0.33% 

Money market accounts

 

 295,483 

 

 

 2,159 

 

 0.73% 

 

 

 238,708 

 

 

 2,857 

 

 1.20% 

NOW accounts

 

 136,613 

 

 

 518 

 

 0.38% 

 

 

 108,658 

 

 

 423 

 

 0.39% 

Certificates of deposit

 

 163,032 

 

 

 2,212 

 

 1.36% 

 

 

 117,126 

 

 

 2,559 

 

 2.18% 

Total interest-bearing deposits

 

 732,807 

 

 

 5,203 

 

 0.71% 

 

 

 592,930 

 

 

 6,258 

 

 1.06% 

Borrowings

 

 43,682 

 

 

 728 

 

 1.67% 

 

 

 72,361 

 

 

 1,890 

 

 2.61% 

Total interest-bearing liabilities

 

 776,489 

 

 

 5,931 

 

 0.76% 

 

 

 665,291 

 

 

 8,148 

 

 1.22% 

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing deposits

 

 319,451 

 

 

 

 

 

 

 

 212,753 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 16,293 

 

 

 

 

 

 

 

 15,178 

 

 

 

 

 

Total liabilities

 

 1,112,233 

 

 

 

 

 

 

 

 893,222 

 

 

 

 

 

Total equity

 

 237,194 

 

 

 

 

 

 

 

 146,389 

 

 

 

 

 

Total liabilities and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

equity

$

 1,349,427 

 

 

 

 

 

 

$

 1,039,611 

 

 

 

 

 

Net interest income

 

 

 

$

 54,472 

 

 

 

 

 

 

$

 43,390 

 

 

Interest rate spread (1)

 

 

 

 

 

 

 3.93% 

 

 

 

 

 

 

 

 4.05% 

Net interest-earning assets (2)

$

 510,197 

 

 

 

 

 

 

$

 311,798 

 

 

 

 

 

Net interest margin (3)

 

 

 

 

 

 

 4.23% 

 

 

 

 

 

 

 

 4.44% 

Average interest-earning assets to

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  interest-bearing liabilities

 

 165.71% 

 

 

 

 

 

 

 

 146.87% 

 

 

 

 

 





(1)

Net interest rate spread represents the difference between the weighted average yield on interest-bearing assets and the weighted average rate of interest-bearing liabilities.

(2)

Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.

(3)

Net interest margin represents net interest income divided by average total interest-earning assets.



























8

 

 

Provident Bancorp, Inc.

Select Financial Highlights





 

 

 

 

 

 

 

 

 

 

 



 

 

 



Three Months Ended

 

Twelve Months Ended



December 31,

 

December 31,



2020

 

2019

 

2020

 

2019

(unaudited)

 

 

 

 

 

 

 

 

 

 

 

Performance Ratios:

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (1)

 

 1.17% 

 

 

 0.92% 

 

 

 0.89% 

 

 

 1.04% 

Return on average equity (1)

 

 7.11% 

 

 

 5.39% 

 

 

 5.05% 

 

 

 7.38% 

Interest rate spread (1) (3)

 

 4.15% 

 

 

 4.04% 

 

 

 3.93% 

 

 

 4.05% 

Net interest margin (1) (4)

 

 4.37% 

 

 

 4.43% 

 

 

 4.23% 

 

 

 4.44% 

Non-interest expense to average assets (1)

 

 2.56% 

 

 

 2.70% 

 

 

 2.65% 

 

 

 2.65% 

Efficiency ratio (5)

 

 58.05% 

 

 

 59.52% 

 

 

 61.72% 

 

 

 58.15% 

Average interest-earning assets to

 

 

 

 

 

 

 

 

 

 

 

average interest-bearing liabilities

 

 166.88% 

 

 

 157.03% 

 

 

 165.71% 

 

 

 146.87% 

Average equity to average assets

 

 16.41% 

 

 

 17.12% 

 

 

 17.58% 

 

 

 14.08% 





















 

 

 

 

 



 

 

 

 

 



At

 

At



December 31,

 

December 31,



2020

 

2019

Asset Quality

 

 

 

 

 

Non-accrual loans:

 

 

 

 

 

Real estate:

 

 

 

 

 

Commercial

$

 —

 

$

 1,701 

Residential

 

 1,156 

 

 

 969 

Construction and land development

 

 —

 

 

 165 

Commercial

 

 4,198 

 

 

 2,955 

Consumer

 

 65 

 

 

 37 

Warehouse

 

 —

 

 

 —

Total non-accrual loans

 

 5,419 

 

 

 5,827 

Accruing loans past due 90 days or more

 

 —

 

 

 —

Other real estate owned

 

 —

 

 

 —

Total non-performing assets

$

 5,419 

 

$

 5,827 

Asset Quality Ratios

 

 

 

 

 

Allowance for loan losses as a percent of total loans (2)

 

 1.39% 

 

 

 1.42% 

Allowance for loan losses as a percent of non-performing loans

 

 341.72% 

 

 

 237.58% 

Non-performing loans as a percent of total loans (2)

 

 0.41% 

 

 

 0.60% 

Non-performing loans as a percent of total assets

 

 0.36% 

 

 

 0.52% 

Non-performing assets as a percent of total assets (6)

 

 0.36% 

 

 

 0.52% 

Capital and Share Related

 

 

 

 

 

Stockholders' equity to total assets

 

 15.7% 

 

 

 20.6% 

Book value per share

$

 12.38 

 

$

 11.86 

Market value per share

$

 12.00 

 

$

 12.45 

Shares outstanding

 

 19,047,544 

 

 

 19,473,818 



(1)

Annualized where appropriate

(2)

Loans are presented before the allowance but include deferred costs/fees.

(3)

Represents the difference between the weighted average yield on average interest-earning assets and the weighted average cost of interest-bearing liabilities.

(4)

Represents net interest income as a percent of average interest-earning assets.

(5)

Represents noninterest expense divided by the sum of net interest income and noninterest income, excluding gains on securities available for sale, net.

(6)

Non-performing assets consists of non-accrual loans plus loans accruing but 90 days overdue and OREO.



9

 

EX-101.SCH 3 pvbc-20210128.xsd EX-101.SCH 00090 - Document - Document and Entity Informationlink:presentationLinklink:calculationLinklink:definitionLink EX-101.LAB 4 pvbc-20210128_lab.xml EX-101.LAB EX-101.PRE 5 pvbc-20210128_pre.xml EX-101.PRE XML 6 pvbc-20210128x8k_htm.xml IDEA: XBRL DOCUMENT 0001778784 2021-01-28 2021-01-28 false 0001778784 8-K 2021-01-28 PROVIDENT BANCORP, INC. MD 001-39090 84-4132422 5 Market Street Amesbury MA 01913 978 834-8555 false false false false Common stock PVBC NASDAQ true true XML 7 R1.htm IDEA: XBRL DOCUMENT v3.20.4
Document and Entity Information
Jan. 28, 2021
Document and Entity Information [Abstract]  
Document Type 8-K
Document Period End Date Jan. 28, 2021
Entity Registrant Name PROVIDENT BANCORP, INC.
Entity Incorporation, State or Country Code MD
Entity File Number 001-39090
Entity Tax Identification Number 84-4132422
Entity Address, Address Line One 5 Market Street
Entity Address, City or Town Amesbury
Entity Address, State or Province MA
Entity Address, Postal Zip Code 01913
City Area Code 978
Local Phone Number 834-8555
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Title of 12(b) Security Common stock
Trading Symbol PVBC
Security Exchange Name NASDAQ
Entity Emerging Growth Company true
Entity Ex Transition Period true
Entity Central Index Key 0001778784
Amendment Flag false
EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 9 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 10 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 11 FilingSummary.xml IDEA: XBRL DOCUMENT 3.20.4 html 1 96 1 false 0 0 false 0 false false R1.htm 00090 - Document - Document and Entity Information Sheet http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation Document and Entity Information Cover 1 false false All Reports Book All Reports pvbc-20210128x8k.htm pvbc-20210128.xsd pvbc-20210128_lab.xml pvbc-20210128_pre.xml pvbc-20210128xex99_1.htm http://xbrl.sec.gov/dei/2020-01-31 true false JSON 13 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "pvbc-20210128x8k.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "definitionLink": { "remote": [ "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-eedm-def-2020-01-31.xml", "http://xbrl.fasb.org/srt/2020/elts/srt-eedm1-def-2020-01-31.xml" ] }, "inline": { "local": [ "pvbc-20210128x8k.htm" ] }, "labelLink": { "local": [ "pvbc-20210128_lab.xml" ], "remote": [ "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml" ] }, "presentationLink": { "local": [ "pvbc-20210128_pre.xml" ] }, "referenceLink": { "remote": [ "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml" ] }, "schema": { "local": [ "pvbc-20210128.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd", "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd", "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd", "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd", "http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd", "http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd", "http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd", "https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd", "http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd", "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd" ] } }, "elementCount": 24, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2020-01-31": 2, "total": 2 }, "keyCustom": 0, "keyStandard": 96, "memberCustom": 0, "memberStandard": 0, "nsprefix": "pvbc", "nsuri": "http://www.theprovidentbank.com/20210128", "report": { "R1": { "firstAnchor": { "ancestors": [ "p", "td", "tr", "table", "div", "div", "body", "html" ], "baseRef": "pvbc-20210128x8k.htm", "contextRef": "Duration_1_28_2021_To_1_28_2021", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "00090 - Document - Document and Entity Information", "role": "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation", "shortName": "Document and Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "p", "td", "tr", "table", "div", "div", "body", "html" ], "baseRef": "pvbc-20210128x8k.htm", "contextRef": "Duration_1_28_2021_To_1_28_2021", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_CoverAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page.", "label": "Document and Entity Information [Abstract]" } } }, "localname": "CoverAbstract", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "xbrltype": "stringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityExTransitionPeriod": { "auth_ref": [ "r7" ], "lang": { "en-us": { "role": { "documentation": "Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.", "label": "Entity Ex Transition Period" } } }, "localname": "EntityExTransitionPeriod", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation, State or Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre Commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre Commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.theprovidentbank.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r5": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" }, "r7": { "Name": "Securities Act", "Number": "7A", "Publisher": "SEC", "Section": "B", "Subsection": "2" } }, "version": "2.1" } ZIP 14 0001778784-21-000002-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001778784-21-000002-xbrl.zip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end