Publication 13 (13), Household Employer's Tax Guide | Internal ...
Publication 13 (13), Household Employer's Tax Guide | Internal ... | w4 form 2017 nj

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ISELIN, N.J., Oct. 26, 2018 (GLOBE NEWSWIRE) — Provident Banking Services, Inc. (NYSE:PFS) (the “Company”) appear almanac net assets of $35.5 million, or $0.55 per basal allotment and $0.54 per adulterated share, for the three months concluded September 30, 2018, compared to net assets of $26.6 million, or $0.41 per basal and adulterated share, for the three months concluded September 30, 2017. For the nine months concluded September 30, 2018, the Aggregation appear net assets of $82.6 million, or $1.27 per basal and adulterated share, compared to net assets of $74.5 million, or $1.16 per basal allotment and $1.15 per adulterated share, for the aforementioned aeon aftermost year. 

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The Company’s antithesis for the division and the nine months concluded September 30, 2018 were agreeably impacted by lower Federal assets tax rates, aeon over aeon advance in boilerplate loans outstanding, advance in boilerplate non-interest address deposits and the connected amplification of the net absorption margin. The advance in the net absorption allowance was apprenticed by an admission in the crop on earning assets, advance in boilerplate non-interest address deposits and a backward amount of funds.

Christopher Martin, Chairman, President and Chief Executive Officer commented: “Our third division after-effects afresh reflected almanac acquirement as our net absorption allowance added expanded. Combined with solid non-interest assets achievement and able amount management, this accumulating almanac net assets and absorbing annualized allotment of 1.45% on boilerplate assets and 15.47% on boilerplate absolute accepted equity.(1)”

Declaration of Anniversary Dividend

The Company’s Board of Directors declared a anniversary banknote allotment of $0.21 per accepted allotment payable on November 30, 2018, to stockholders of almanac as of the aing of business on November 15, 2018.

Balance Sheet Summary

Total assets at September 30, 2018 were $9.71 billion, a $135.6 actor abatement from December 31, 2017. The abatement in absolute assets was primarily due to a $97.3 actor abatement in absolute loans, a $41.7 actor abatement in banknote and banknote equivalents and a $7.6 actor abatement in absolute investments.

The Company’s accommodation portfolio decreased $97.3 actor to $7.23 billion at September 30, 2018, from $7.33 billion at December 31, 2017. For the nine months concluded September 30, 2018, accommodation originations, including advances on curve of credit, totaled $2.34 billion, compared with $2.56 billion for the aforementioned aeon in 2017. During the nine months concluded September 30, 2018, the accommodation portfolio had net decreases of $111.4 actor in bartering loans, $59.9 actor in multi-family mortgage loans, $34.5 actor in residential mortgage loans and $30.6 actor in customer loans, partially account by net increases of $102.9 actor in bartering mortgage loans and $36.7 actor in architecture loans. Net portfolio advance was accountable by animated adjustment action and accommodation sales, including the auction of loans as allotment of the Company’s wind bottomward of its asset-based lending business. Bartering absolute estate, bartering and architecture loans represented 78.5% of the accommodation portfolio at September 30, 2018, compared to 77.9% at December 31, 2017. 

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At September 30, 2018, the Company’s unfunded accommodation commitments totaled $1.60 billion, including commitments of $752.0 actor in bartering loans, $447.4 actor in architecture loans and $147.3 actor in bartering mortgage loans. Unfunded accommodation commitments at December 31, 2017 and September 30, 2017 were $1.98 billion and $2.11 billion, respectively.

The accommodation pipeline, consisting of work-in-process and loans accustomed awaiting closing, totaled $1.13 billion at September 30, 2018, compared to $1.12 billion and $1.51 billion at December 31, 2017 and September 30, 2017, respectively.

Total investments were $1.59 billion at September 30, 2018, a abatement of $7.6 million, compared to the antithesis at December 31, 2017, abundantly due to repayments of mortgage-backed securities, maturities and calls of assertive borough and bureau bonds and an admission in abeyant losses on accessible for auction debt securities, partially account by purchases of mortgage-backed and borough securities.

Total deposits added $5.6 actor during the nine months concluded September 30, 2018 to $6.72 billion. Absolute time deposits added $43.0 actor to $677.9 actor at September 30, 2018, while absolute amount deposits, consisting of accumulation and appeal drop accounts, decreased $37.5 actor to $6.04 billion at September 30, 2018. The admission in time deposits was primarily the aftereffect of a 13-month affidavit of drop promotional attack which provided the Aggregation a lower-cost allotment another to broad borrowings. The abatement in amount deposits was abundantly attributable to a $69.0 actor abatement in money bazaar deposits and a $36.0 actor abatement in accumulation deposits, partially account by a $41.2 actor admission in absorption address appeal deposits and a $26.4 actor admission in non-interest address appeal deposits. Amount deposits represented 89.9% of absolute deposits at September 30, 2018, compared to 90.5% at December 31, 2017.

Borrowed funds decreased $212.6 actor during the nine months concluded September 30, 2018, to $1.53 billion. The abatement in borrowings for the aeon was primarily a action of lower asset allotment requirements. Adopted funds represented 15.8% of absolute assets at September 30, 2018, a abatement from 17.7% at December 31, 2017.

Stockholders’ disinterestedness added $32.9 actor during the nine months concluded September 30, 2018, to $1.33 billion, primarily due to net assets becoming for the period, partially account by assets paid to stockholders and an admission in abeyant losses on accessible for auction debt securities. Accepted banal repurchases for the nine months concluded September 30, 2018 totaled 77,766 shares at an boilerplate amount of $26.05. These accepted banal repurchases were abundantly fabricated in affiliation with denial to awning assets taxes on the vesting of stock-based compensation. At September 30, 2018, 3.1 actor shares remained acceptable for repurchase beneath the accepted banal repurchase authorization. Book amount per allotment and absolute book amount per share(1) at September 30, 2018 were $19.92 and $13.65, respectively, compared with $19.52 and $13.20, respectively, at December 31, 2017.

Results of Operations

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Net Absorption Assets and Net Absorption Margin

For the three months concluded September 30, 2018, net absorption assets added $5.6 actor to $75.8 million, from $70.2 actor for the aforementioned aeon in 2017. Net absorption assets for the nine months concluded September 30, 2018 added $17.0 actor to $223.3 million, from $206.3 actor for the aforementioned aeon in 2017. The advance in net absorption assets for the allusive periods was abundantly due to advance in boilerplate loans outstanding consistent from amoebic originations and period-over-period amplification of the net absorption margin. The advance in the net absorption allowance was a action of an admission in the crop on earning assets, which outpaced the acceleration in the Company’s amount of funds. Additionally accidental to the improvement, advance in boilerplate non-interest address appeal deposits mitigated the Company’s allegation to advance higher-cost sources to armamentarium boilerplate loans outstanding.

The Company’s net absorption allowance broadcast bristles base credibility to 3.38% for the division concluded September 30, 2018, from 3.33% for the abaft quarter. The abounding boilerplate crop on interest-earning assets added ten base credibility to 4.07% for the division concluded September 30, 2018, compared to 3.97% for the division concluded June 30, 2018. The abounding boilerplate amount of interest-bearing liabilities for the division concluded September 30, 2018 added eight base credibility to 0.90%, compared to 0.82% for the abaft quarter. The boilerplate amount of absorption address deposits for the division concluded September 30, 2018 added seven base credibility to 0.60%, from 0.53% for the division concluded June 30, 2018. Boilerplate non-interest address appeal deposits added $33.3 actor to $1.50 billion for the division concluded September 30, 2018, from $1.46 billion for the abaft division concluded June 30, 2018. The boilerplate amount of adopted funds for the division concluded September 30, 2018 was 1.93%, compared to 1.82% for the abaft quarter.

The net absorption allowance broadcast 16 base credibility to 3.38% for the division concluded September 30, 2018, compared to 3.22% for the division concluded September 30, 2017. The abounding boilerplate crop on interest-earning assets added 32 base credibility to 4.07% for the division concluded September 30, 2018, compared to 3.75% for the division concluded September 30, 2017, while the abounding boilerplate amount of absorption address liabilities added 22 base credibility for the division concluded September 30, 2018 to 0.90%, compared to the third division of 2017. The boilerplate amount of absorption address deposits for the division concluded September 30, 2018 was 0.60%, compared to 0.38% for the aforementioned aeon aftermost year. Boilerplate non-interest address appeal deposits added $134.8 actor to $1.50 billion for the division concluded September 30, 2018, from $1.36 billion for the division concluded September 30, 2017. The boilerplate amount of adopted funds for the division concluded September 30, 2018 was 1.93%, compared to 1.71% for the aforementioned aeon aftermost year.  

For the nine months concluded September 30, 2018, the net absorption allowance broadcast 14 base credibility to 3.33%, compared to 3.19% for the nine months concluded September 30, 2017. The abounding boilerplate crop on absorption earning assets added 26 base credibility to 3.98% for the nine months concluded September 30, 2018, compared to 3.72% for the nine months concluded September 30, 2017, while the abounding boilerplate amount of absorption address liabilities added 16 base credibility to 0.83% for the nine months concluded September 30, 2018, compared to 0.67% the aforementioned aeon aftermost year. The boilerplate amount of absorption address deposits for the nine months concluded September 30, 2018 was 0.53%, compared to 0.36% for the aforementioned aeon aftermost year. Boilerplate non-interest address appeal deposits added $119.0 actor to $1.46 billion for the nine months concluded September 30, 2018, from $1.34 billion for the nine months concluded September 30, 2017. The boilerplate amount of borrowings for the nine months concluded September 30, 2018 was 1.81%, compared to 1.67% for the aforementioned aeon aftermost year.

Non-Interest Income

Non-interest assets totaled $15.9 actor for the division concluded September 30, 2018, an admission of $804,000, compared to the aforementioned aeon in 2017. Assets from Bank-owned activity allowance (“BOLI”) added $730,000 to $2.1 actor for the three months concluded September 30, 2018, compared to $1.4 actor for the aforementioned aeon in 2017. This admission was primarily due to the acceptance of college account claims in the accepted period. Added assets added $355,000 to $1.8 actor for the three months concluded September 30, 2018, compared to the division concluded September 30, 2017, primarily due to a $228,000 admission in net fees on loan-level absorption amount bandy affairs and a $147,000 admission in net assets on the auction of loans, including the auction of loans as allotment of the wind bottomward of the asset-based lending business, partially account by a $104,000 abatement in net assets on the auction of bankrupt absolute estate. Partially offsetting these increases in non-interest income, fee assets decreased $225,000 to $7.5 actor for the three months concluded September 30, 2018, compared to the aforementioned aeon in 2017, abundantly due to a $473,000 abatement in bartering accommodation accommodation fee income, partially account by a $175,000 admission in assets from the auction of non-deposit advance products.

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For the nine months concluded September 30, 2018, non-interest assets totaled $43.1 million, an admission of $664,000, compared to the aforementioned aeon in 2017. Added assets added $1.3 actor to $4.1 actor for the nine months concluded September 30, 2018, compared to $2.8 actor for the aforementioned aeon in 2017, due to an $888,000 admission in net fees on loan-level absorption amount bandy affairs and a $362,000 admission in net assets on the auction of loans. Also, abundance administration assets added $258,000 to $13.6 actor for the nine months concluded September 30, 2018, consistent from advance in assets beneath management, college incremental fees on new asset administration relationships and added acquirement from alternate armamentarium offerings. BOLI assets decreased $651,000 to $4.6 actor for the nine months concluded September 30, 2018, compared to the aforementioned aeon in 2017, primarily due to a abatement in the acceptance of account claims from the above-mentioned year.

Non-Interest Expense

For the three months concluded September 30, 2018, non-interest amount totaled $46.7 million, an admission of $379,000, compared to the three months concluded September 30, 2017. Abstracts processing amount added $316,000 to $3.6 actor for the three months concluded September 30, 2018, principally due to increases in software aliment and telecommunication expenses. Advantage and allowances amount added $218,000 to $27.5 actor for the three months concluded September 30, 2018, compared to $27.3 actor for the aforementioned aeon in 2017. This admission was principally due to added bacon amount accompanying to anniversary arete increases and an admission in stock-based compensation, partially account by a abatement in the accretion for allurement compensation. Added operating costs added $107,000 to $7.1 actor for the three months concluded September 30, 2018, compared to the aforementioned aeon in 2017, abundantly due to increases in consulting costs and accommodation accumulating expenses, partially account by a abatement in advocate fees. Partially offsetting these increases, net control costs decreased $181,000 to $5.9 actor for the three months concluded September 30, 2018, compared to the aforementioned aeon in 2017, principally due to decreases in depreciation, absolute acreage taxes and accessories aliment expenses, partially account by an admission in hire expense. A allocation of these variances are associated with the Company’s auction and leaseback of assertive accessories in December 2017. Also, acquittal of affluence decreased $123,000 for the three months concluded September 30, 2018, compared with the aforementioned aeon in 2017, as a aftereffect of appointed reductions in amortization. 

The Company’s annualized non-interest amount as a allotment of boilerplate assets(1) was 1.90% for the division concluded September 30, 2018, compared to 1.93% for the aforementioned aeon in 2017. The ability arrangement (non-interest amount disconnected by the sum of net absorption assets and non-interest income)(1) was 50.88% for the division concluded September 30, 2018, compared to 54.24% for the aforementioned aeon in 2017. 

Non-interest amount totaled $142.4 actor for the nine months concluded September 30, 2018, an admission of $2.6 million, compared to $139.7 actor for the nine months concluded September 30, 2017. Advantage and allowances amount added $2.3 actor to $83.4 actor for the nine months concluded September 30, 2018, compared to $81.1 actor for the nine months concluded September 30, 2017, primarily due to added bacon amount accompanying to anniversary arete increases and an admission in stock-based compensation, partially account by a abatement in the accretion for allurement compensation. Abstracts processing amount added $560,000 to $10.9 actor for the nine months concluded September 30, 2018, compared to $10.3 actor for the aforementioned aeon in 2017, principally due to increases in software aliment expense, partially account by lower telecommunication expense. In addition, added operating costs added $507,000 to $21.8 actor for the nine months concluded September 30, 2018, compared to the aforementioned aeon in 2017, abundantly due to an admission in consulting expenses, partially account by a abatement in advocate fees and a appraisal allegation accompanying to bankrupt absolute acreage accustomed in the above-mentioned year. Partially offsetting these increases in non-interest expense, acquittal of affluence decreased $454,000 for the nine months concluded September 30, 2018, compared with the aforementioned aeon in 2017, as a aftereffect of appointed reductions in amortization.

Asset Quality

The Company’s absolute non-performing loans at September 30, 2018 were $29.1 million, or 0.40% of absolute loans, compared to $32.6 million, or 0.45% of absolute loans at June 30, 2018, and $34.9 million, or 0.48% of absolute loans at December 31, 2017. The $3.5 actor abatement in non-performing loans at September 30, 2018, compared to the abaft quarter, was due to a $2.5 actor abatement in non-performing residential loans, an $895,000 abatement in non-performing customer loans and a $391,000 abatement in non-performing bartering mortgage loans, partially account by a $263,000 admission in non-performing bartering loans. At September 30, 2018, broken loans totaled $52.5 actor with accompanying specific affluence of $1.4 million, compared with broken loans accretion $55.5 actor with accompanying specific affluence of $2.1 actor at June 30, 2018. At December 31, 2017, broken loans totaled $52.0 actor with accompanying specific affluence of $2.7 million.

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At September 30, 2018, the Company’s allowance for accommodation losses was 0.75% of absolute loans, a abatement from 0.81% at June 30, 2018 and 0.82% at December 31, 2017. The Aggregation recorded accoutrement for accommodation losses of $1.0 actor and $21.9 actor for the three and nine months concluded September 30, 2018, respectively, compared with accoutrement of $500,000 and $3.7 actor for the three and nine months concluded September 30, 2017, respectively. For the three and nine months concluded September 30, 2018, the Aggregation had net charge-offs of $5.9 actor and $28.2 million, respectively, compared to net charge-offs of $3.1 actor and $5.3 million, respectively, for the aforementioned periods in 2017. The allowance for accommodation losses decreased $6.3 actor to $53.9 actor at September 30, 2018 from $60.2 actor at December 31, 2017.

Charge-offs in the third division of 2018 were impacted by the address bottomward of an broken asset-based accommodation that was awash afterward the quarter-end. The abridgement in the allowance for accommodation losses as a allotment of absolute loans was attributable to asset-based accommodation sales and added improvements in asset affection of the absolute accommodation portfolio.

At September 30, 2018 and December 31, 2017, the Aggregation captivated $5.9 actor and $6.9 actor of bankrupt assets, respectively. During the nine months concluded September 30, 2018, there were six additions to bankrupt assets with a accustomed amount of $1.7 million, and 13 backdrop awash with a accustomed amount of $2.4 million. Bankrupt assets at September 30, 2018 consisted of $3.7 actor of bartering absolute acreage and $2.2 actor of residential absolute estate. Absolute non-performing assets at September 30, 2018 decreased $6.8 million, or 16.3%, to $35.0 million, or 0.36% of absolute assets, from $41.8 million, or 0.42% of absolute assets at December 31, 2017.

Income Tax Expense

For the three and nine months concluded September 30, 2018, the Company’s assets tax amount was $8.6 actor and $19.5 million, respectively, compared with $12.0 actor and $30.8 million, for the three and nine months concluded September 30, 2017, respectively. The Company’s able tax ante were 19.5% and 19.1% for the three and nine months concluded September 30, 2018, respectively, compared to 31.1% and 29.3% for the three and nine months concluded September 30, 2017, respectively. The decreases in tax amount and the able tax ante were the aftereffect of the achievement of the Tax Cuts and Jobs Act on December 22, 2017.

About the Company

Provident Banking Services, Inc. is the captivation aggregation for Provident Bank, a community-oriented coffer alms “commitment you can calculation on” back 1839. Provident Coffer provides a absolute arrangement of banking articles and casework through its arrangement of branches throughout arctic and axial New Jersey, as able-bodied as Bucks, Lehigh and Northampton counties in Pennsylvania. The Coffer additionally provides fiduciary and abundance administration casework through its wholly endemic subsidiary, Beacon Trust Company.

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Post Antithesis Appointment Call

Representatives of the Aggregation will authority a appointment alarm for investors on Friday, October 26, 2018 at 10:00 a.m. Eastern Time to altercate the Company’s banking after-effects for the division concluded September 30, 2018. The alarm may be accessed by dialing 1-888-336-7149 (Domestic), 1-412-902-4175 (International) or 1-855-669-9657 (Canada). Internet admission to the alarm is additionally accessible (listen only) at provident.bank by activity to Investor Relations and beat on “Webcast.”

Forward Looking Statements

Certain statements independent herein are “forward-looking statements” aural the acceptation of Area 27A of the Antithesis Act of 1933 and Area 21E of the Antithesis Exchange Act of 1934. Such advanced statements may be articular by advertence to a approaching aeon or periods, or by the use of advanced terminology, such as “may,” “will,” “believe,” “expect,” “estimate,” “project,” “intend,” “anticipate,” “continue,” or agnate agreement or variations on those terms, or the abrogating of those terms. Advanced statements are accountable to abundant risks and uncertainties, including, but not bound to, those declared in the “Risk Factors” area of our Anniversary Report on Form 10-K, as supplemented by its Anniversary Reports on Form 10-Q, and those accompanying to the bread-and-er environment, decidedly in the bazaar areas in which the Aggregation operates, aggressive articles and pricing, budgetary and budgetary behavior of the U.S. Government, changes in government regulations affecting banking institutions, including authoritative fees and basal requirements, changes in prevailing absorption rates, acquisitions and the affiliation of acquired businesses, acclaim accident management, asset-liability management, the banking and antithesis markets and the availability of and costs associated with sources of liquidity.

The Aggregation cautions readers not to abode disproportionate assurance on any such advanced statements which allege alone as of the date made. The Aggregation advises readers that the factors listed aloft could affect the Company’s banking achievement and could account the Company’s absolute after-effects for approaching periods to alter materially from any opinions or statements bidding with account to approaching periods in any accepted statements. The Aggregation does not accept any obligation to amend any advanced statements to reflect contest or affairs afterwards the date of this statement.

Footnotes

(1) Absolute book amount per share, annualized acknowledgment on boilerplate absolute equity, annualized non-interest amount as a allotment of boilerplate assets and the ability arrangement are non-GAAP banking measures. Please accredit to the Notes afterward the Consolidated Banking Highlights which accommodate the adaptation of GAAP to non-GAAP banking measures and the associated calculations.

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