Provident financial holdings inc (PROV)
CashFlow / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10Sep'10
Cash flows from operating activities:
Net income

6,892

5,596

5,156

4,417

5,030

6,914

4,179

2,131

1,695

1,107

3,388

5,207

6,798

7,147

6,625

7,474

7,404

8,510

9,856

9,803

9,409

8,208

7,483

6,606

9,772

13,243

18,580

25,797

24,846

22,308

17,222

10,810

8,605

8,608

11,009

13,220

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

Depreciation and amortization

3,377

2,767

2,937

3,075

2,946

3,212

3,394

3,130

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision (recovery) for loan losses

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Recovery from the allowance for loan losses

-

-

-

-

-

-

-

-

-

-

-723

-1,042

-1,286

-1,815

-1,827

-1,715

-1,198

-615

-607

-1,387

-1,974

-2,712

-3,256

-3,380

-4,227

-3,895

-2,974

-1,499

2,090

4,229

5,338

5,777

4,573

5,644

5,560

5,465

0

0

0

Recovery of losses on real estate owned

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized gain on real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Recovery) provision of losses on real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-68

-25

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Recovery of losses on real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

(Gain) loss on sale of loans, net

-94

1,611

3,917

7,135

10,155

12,033

14,087

15,802

18,572

20,370

22,531

25,680

29,277

31,027

30,593

31,521

30,875

33,484

35,482

34,210

33,470

29,007

26,697

25,799

33,962

42,506

54,652

68,493

67,014

89,663

65,888

38,017

0

0

0

-

-

-

-

Recovery of losses on real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Gain on sale of loans, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

(Gain) loss on sale of real estate owned, net

-

-

-

-

-

-

-

-558

-510

-475

-496

138

124

-102

76

52

379

649

507

468

147

133

109

288

388

628

1,244

1,213

792

324

213

-287

-14

808

215

185

0

0

0

Stock-based compensation

819

619

424

869

1,005

1,260

1,473

1,054

1,075

1,037

1,054

1,490

1,489

1,526

1,511

1,098

1,421

1,497

1,631

1,485

1,043

802

538

526

759

790

765

768

533

660

799

1,254

1,321

1,358

1,309

958

0

0

0

Provision for deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-1,194

-1,740

-2,367

-2,269

-217

93

1,905

773

-35

134

-4,175

1,901

1,041

-4,585

-2,188

-877

-4,275

-297

-1,640

-7,437

-1,282

-5,833

-3,411

-5,623

-3,922

0

0

0

Tax effect from stock-based compensation

-

-

-

-

-

-

-

-

-

-

-

0

-198

164

186

0

620

428

414

397

-204

-339

-338

-315

-299

-155

-156

-92

0

0

0

-

-

-

-

-

-

-

-

ESOP expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Provision for deferred income taxes

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in cash surrender value of bank owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

Decrease in accounts payable, accrued interest and other liabilities

-2,221

-705

-2,172

1,865

-1,440

-1,586

3,581

2,174

5,195

3,245

2,619

3,408

665

3,201

-211

-422

-1,027

-281

2,186

203

3,186

1,409

1,440

-2,110

-4,208

-4,850

-3,346

1,051

1,765

3,376

1,102

2,372

0

0

0

-

-

-

-

Increase in accounts payable, accrued interest and other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

(Increase) decrease in prepaid expenses and other assets

2,187

2,788

3,673

-774

-95

-19

282

824

1,431

1,330

543

1,521

-266

-58

1,935

-137

1,246

-806

-825

-966

-2,820

259

-2,192

-149

-565

-4,011

-2,096

-2,589

-2,646

-1,940

-895

-2,688

-5,283

-3,639

-4,346

-1,471

0

0

0

Loans originated for sale

-

-

-

467,094

695,091

804,578

990,025

1,185,996

1,350,225

1,447,941

1,657,988

1,913,038

2,064,360

2,139,330

2,069,922

1,962,869

2,126,347

2,414,080

2,507,234

2,480,715

2,237,259

1,910,365

1,797,689

1,967,622

2,327,561

2,763,925

3,319,783

3,496,531

3,395,373

5,582,931

3,945,148

2,516,637

5,618,081

2,216,552

2,224,954

2,143,543

0

0

0

Proceeds from sale of loans

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of loans

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of loans

-

-

-

-

-

-

-

-

-

-

-

2,010,539

2,171,493

2,184,372

1,999,573

2,033,815

2,282,156

2,498,937

2,560,590

2,445,063

2,067,930

1,846,224

1,825,931

2,039,528

2,426,990

2,961,049

3,493,694

3,586,581

3,471,849

3,184,525

2,833,745

2,517,505

2,222,290

2,030,471

2,040,892

2,148,728

0

0

0

Net cash provided by operating activities

38,803

64,014

83,265

107,091

67,561

48,706

60,315

27,986

24,382

72,061

144,781

83,442

90,070

28,710

-92,494

47,789

130,826

59,895

31,470

-57,775

-186,487

-79,508

9,975

48,517

74,326

167,396

135,959

55,065

41,860

-38,600

7,586

-12,324

-19,508

-47,260

-32,796

-2,414

0

0

0

Cash flows from investing activities:
Decrease (increase) in loans held for investment, net

-

-

-

-

-

-

-

-

-

-

-

66,349

77,190

56,151

54,509

32,123

-7,960

22,138

19,639

43,702

51,827

42,240

40,510

25,911

16,786

-11,725

-22,859

-40,816

-57,919

-106,552

-95,165

-62,149

0

0

0

-

-

-

-

Net decrease in loans held for investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Maturity of investment securities held to maturity

-

-

-

-

-

-

-

200

21,618

17,719

15,223

13,134

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Increase) decrease in loans held for investment, net

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Maturity of investment securities held to maturity

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Principal payments from investment securities held to maturity

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Principal payments from investment securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

15,100

0

0

0

-

-

2,350

2,170

2,300

2,253

2,588

2,870

2,910

3,251

3,247

3,353

3,295

2,999

3,025

3,205

3,341

3,595

3,792

4,410

5,534

0

0

0

Principal payments from investment securities available for sale

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Sale of Mortgage Backed Securities (MBS) categorized as Available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of investment securities held to maturity

-

-

-

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of real estate owned

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of investment securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Redemption of FHLB  San Francisco stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-8,217

-8,547

-8,244

-7,799

-6,982

-6,183

-10,218

-7,068

-4,721

-11,995

-4,874

-4,844

-4,819

0

0

0

Proceeds from sale of real estate owned

-

-

-

-

-

-

-

-

-

-

-

2,409

3,099

4,838

6,417

6,573

6,572

4,784

3,036

3,075

1,975

2,509

3,032

4,156

5,153

6,573

10,375

13,408

16,036

20,117

19,761

19,895

25,556

28,208

34,917

38,750

0

0

0

Purchase of premises and equipment

483

249

152

449

347

1,668

2,315

2,909

3,213

2,895

2,314

1,491

1,810

1,502

1,524

1,517

740

309

279

376

457

472

591

715

809

1,222

1,201

1,111

1,505

4,546

3,126

2,595

3,354

-283

675

879

0

0

0

Net cash (used for) provided by investing activities

978

-58,542

-52,141

17,291

4,787

13,247

14,037

-27,305

-69,179

-72,719

-80,676

-84,516

-94,534

-73,555

-83,073

-63,922

-4,220

-26,479

-15,712

-39,953

-48,158

-34,816

-29,997

-12,143

-644

28,567

43,185

63,390

81,632

82,634

85,865

87,511

94,474

98,870

125,295

139,432

0

0

0

Cash flows from financing activities:
Decrease in deposits, net

-41,053

-39,234

-70,376

-66,327

-45,615

-34,904

-24,904

-18,923

-15,807

-20,885

-16,486

137

11,241

10,924

18,636

2,298

9,165

12,237

22,434

26,216

10,394

-8,244

-16,663

-25,140

-27,594

-21,450

-37,720

-38,401

-39,703

-18,650

-5,061

15,644

27,868

27,276

29,628

12,834

0

0

0

Repayments of short-term borrowings, net

-

-

-

15,000

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of long-term borrowings

58

10,057

10,057

10,056

10,055

10,054

10,057

10,063

10,068

74

75

73

73

71

70

68

67

66

65

64

10,063

10,062

15,060

65,060

55,058

75,057

70,057

20,055

50,055

120,104

110,077

90,052

301,123

151,048

128,049

133,049

0

0

0

Proceeds from (Repayments of) Short-term Debt

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from long-term borrowings

0

0

0

-

-

-

-

-

-

-

-

20,000

20,000

20,000

20,000

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Exercise of stock options

378

542

532

553

390

642

653

677

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-942

-830

-727

-511

-590

-921

-514

-462

-380

-51

-103

-362

-385

-362

-395

-136

-296

0

0

0

-

-

-

-

-

-

-

-

Withholding taxes on stock based compensation

219

234

54

615

432

694

869

322

353

76

76

536

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Tax effect from stock based compensation

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Tax effect from stock-based compensation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-338

-315

-299

-155

-156

-92

0

0

0

-

-

-

-

-

-

-

-

Cash dividends

4,193

4,198

4,201

4,194

4,187

4,177

4,190

4,228

4,210

4,196

4,164

4,119

4,066

4,038

4,015

4,014

4,082

4,068

4,064

4,055

3,962

3,957

3,957

3,964

3,741

3,501

3,029

2,541

2,254

3,333

2,459

1,572

1,933

-2

225

456

0

0

0

Employee Stock Ownership Plan (ESOP), Debt Structure, Direct Loan, Employer Cash Payments Used for Debt Service

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

0

0

0

Treasury stock purchases

1,851

1,424

1,381

1,412

1,565

2,580

5,274

7,347

10,342

10,545

9,502

8,714

9,120

11,076

11,051

13,038

12,357

13,180

13,931

12,680

14,365

12,891

16,176

17,182

14,205

14,037

9,815

8,959

8,546

13,796

9,907

6,693

0

0

0

-

-

-

-

Net cash provided by (used for) financing activities

-16,989

-24,598

-55,537

-97,051

-61,464

-41,767

-44,641

-30,206

-29,927

-34,980

-54,331

22,694

18,281

16,297

58,864

-14,064

-45,800

45,865

55,250

60,194

71,851

-35,390

-51,832

-111,276

-100,535

-113,805

-120,641

-69,752

-90,177

-77,907

-75,118

-72,601

-63,316

-71,794

-79,773

-90,669

0

0

0

Net increase in cash and cash equivalents

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase (decrease) in cash and cash equivalents

-

-

-

-

-

-

-

-29,525

-74,724

-35,638

9,774

21,620

13,817

-28,548

-116,703

-30,197

80,806

79,281

71,008

-37,534

-162,794

-149,714

-71,854

-74,902

-26,853

82,158

58,503

48,703

33,315

-33,873

18,333

2,586

11,650

-20,184

12,726

46,349

0

0

0

Supplemental information:
Cash paid for interest

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash paid for interest

-

-

-

-

-

-

-

-

-

-

-

6,645

6,722

6,815

6,868

6,985

6,968

6,743

6,517

6,291

6,285

6,499

6,817

7,712

8,549

9,527

10,493

10,935

11,704

12,707

13,847

15,249

16,562

17,989

19,749

21,582

0

0

0

Cash paid for income taxes

-

-

-

-

-

-

-

2,765

3,055

3,455

2,939

3,039

2,384

2,734

3,945

3,845

5,645

6,545

5,675

5,675

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

8,380

0

0

0

Transfer of loans held for sale to held for investment

1,634

2,270

1,751

1,909

1,930

1,895

1,895

1,692

2,618

2,713

3,537

3,776

3,411

4,390

4,097

4,889

5,468

4,855

5,408

4,534

3,143

3,802

3,094

4,299

5,054

4,979

5,366

4,601

0

0

0

-

-

-

-

-

-

-

-

Transfer of loans held for sale to loans held for investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

Real estate acquired in the settlement of loans

-

-

-

-

-

-

-

2,171

1,659

1,247

547

1,845

3,109

3,414

6,639

6,347

5,555

4,983

3,123

3,044

3,204

3,130

2,978

4,810

5,904

8,172

8,688

10,976

14,036

18,804

23,478

24,113

30,497

33,868

38,023

47,316

0

0

0