Provident financial holdings inc (PROV)
Income statement / Quarterly
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
Interest income:
Loans receivable, net

9,622

10,320

10,075

9,576

10,011

10,331

10,174

10,191

9,933

9,735

10,157

9,949

9,704

10,116

10,480

9,985

9,204

8,979

9,490

10,077

9,689

9,376

9,195

8,902

8,731

9,085

9,706

9,696

10,290

11,286

11,633

12,290

12,205

13,261

12,749

13,278

13,715

14,888

15,561

Investment securities

478

567

614

661

592

444

345

386

382

319

257

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FHLB - San Francisco stock

144

145

143

142

144

278

143

140

144

143

141

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest-earning deposits

186

189

246

426

386

387

338

193

233

168

190

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities

-

-

-

-

-

-

-

-

-

-

-

221

142

128

84

124

96

71

67

69

70

72

76

79

82

86

92

99

105

110

114

121

126

134

147

155

185

217

241

FHLB San Francisco stock

-

-

-

-

-

-

-

-

-

-

-

140

184

458

185

179

163

179

200

394

126

132

144

178

203

204

208

158

116

137

27

31

30

20

18

22

22

30

36

Interest-earning deposits

-

-

-

-

-

-

-

-

-

-

-

220

250

101

55

150

183

134

100

54

52

76

94

113

142

138

110

132

101

84

73

76

93

37

97

105

104

65

65

Total interest income

10,430

11,221

11,078

10,805

11,133

11,440

11,000

10,910

10,692

10,365

10,745

10,530

10,280

10,803

10,804

10,438

9,646

9,363

9,857

10,594

9,937

9,656

9,509

9,272

9,158

9,513

10,116

10,085

10,612

11,617

11,847

12,518

12,454

13,452

13,011

13,560

14,026

15,200

15,903

Interest expense:
Checking and money market deposits

106

117

110

3,054

102

117

108

3,184

96

112

103

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Checking and money market deposits

-

-

-

-

-

-

-

-

-

-

-

-

90

105

98

-

116

122

117

-

101

110

104

-

94

96

102

-

97

112

98

-

147

176

200

-

225

271

305

Savings deposits

131

131

134

-

139

147

151

-

147

149

149

-

144

146

144

-

170

169

168

-

160

160

157

-

153

152

147

-

142

144

148

-

184

191

225

-

257

287

340

Time deposits

509

530

532

-

600

630

621

-

613

625

639

-

686

731

772

-

807

835

858

-

910

940

976

-

1,058

1,171

1,263

-

1,326

1,449

1,524

-

1,683

1,824

1,906

-

1,930

2,051

2,184

Borrowings

794

804

720

669

680

715

763

741

712

728

736

720

713

736

702

641

641

648

648

601

388

336

335

356

403

439

643

957

981

1,140

1,141

1,189

1,464

1,755

1,882

2,093

2,442

2,883

3,262

Total interest expense

1,540

1,582

1,496

1,435

1,521

1,609

1,643

1,603

1,568

1,614

1,627

1,612

1,633

1,718

1,716

1,676

1,734

1,774

1,791

1,744

1,559

1,546

1,572

1,615

1,708

1,858

2,155

2,502

2,546

2,845

2,911

3,068

3,478

3,946

4,213

4,503

4,854

5,492

6,091

Net interest income

8,890

9,639

9,582

9,370

9,612

9,831

9,357

9,307

9,124

8,751

9,118

8,918

8,647

9,085

9,088

8,762

7,912

7,589

8,066

8,850

8,378

8,110

7,937

7,657

7,450

7,655

7,961

7,583

8,066

8,772

8,936

9,450

8,976

9,506

8,798

9,057

9,172

9,708

9,812

Provision (recovery) for loan losses

-874

22

181

25

-4

217

237

-

505

11

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Recovery) provision for loan losses

-

-

-

-

-

-

-

-

-

-

169

-377

-165

-350

-150

-621

-694

-362

-38

-104

-111

-354

-818

-691

-849

-898

-942

-1,538

-517

23

533

2,051

1,622

1,132

972

847

2,693

1,048

877

Net interest income, after provision (recovery) for loan losses

8,016

9,661

9,763

9,395

9,608

10,048

9,594

9,496

9,629

8,762

8,949

9,295

8,812

9,435

9,238

9,383

8,606

7,951

8,104

8,954

8,489

8,464

8,755

8,348

8,299

8,553

8,903

-

-

-

-

-

-

-

-

-

-

-

-

Net interest income, after (recovery) provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8,583

8,749

8,403

-

7,354

8,374

7,826

8,210

6,479

8,660

8,935

Non-interest income:
Loan servicing and other fees

-

-

-

-

-

-

-

-

-

-

-

312

362

310

267

268

383

306

111

262

264

291

268

299

252

331

195

170

203

382

338

169

256

176

132

195

298

275

124

(Loss) gain on sale of loans, net

14

-43

-86

21

1,719

2,263

3,132

3,041

3,597

4,317

4,847

5,811

5,395

6,478

7,996

9,408

7,145

6,044

8,924

8,762

9,754

8,042

7,652

8,022

5,291

5,732

6,754

16,185

13,835

17,878

20,595

41,052

10,138

-5,897

-7,276

5,735

6,680

9,332

9,447

Deposit account fees

-

-

-

-

-

-

-

-

-

-

-

530

562

552

550

529

590

590

610

575

607

604

626

601

628

619

621

604

605

617

623

600

609

626

603

571

633

671

629

Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net

-

-

-

-

2

-7

-

-5

-19

-22

-40

-317

-74

-63

-103

-83

-276

35

229

294

58

-51

-19

3

45

-82

52

30

218

595

73

-14

-215

77

32

-

-

-

-

Loss on sale and operations of real estate owned acquired in the settlement of loans, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-550

-690

-368

Gain on sale of premises and equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,086

-

-

Card and processing fees

-

-

-

-

-

-

-

-

-

-

-

388

338

361

364

379

355

352

362

376

338

336

356

373

336

317

344

348

308

315

321

336

306

309

331

334

312

312

316

Other

173

198

186

257

225

161

190

243

238

220

243

222

208

194

178

89

227

271

213

242

248

275

227

259

239

227

217

281

219

248

209

183

215

228

174

166

205

197

187

Total non-interest income

1,101

1,344

1,070

1,315

3,052

3,595

4,549

4,592

5,210

5,741

6,352

6,946

6,791

7,832

9,252

10,590

8,424

7,598

10,449

10,511

11,269

9,497

9,110

9,557

6,791

7,144

8,183

17,618

15,388

20,035

22,159

15,980

11,309

7,313

8,548

7,261

8,664

10,097

10,335

Non-interest expense:
Salaries and employee benefits

4,966

4,999

4,985

5,396

9,292

7,211

8,250

8,111

8,808

8,633

9,269

9,709

10,370

10,349

11,314

11,216

10,630

9,971

10,792

11,137

10,950

9,950

9,581

9,869

8,811

8,912

10,452

13,075

11,519

12,671

13,185

11,700

10,349

8,380

8,854

7,854

7,170

7,565

7,377

Premises and occupancy

845

880

878

1,133

1,286

1,274

1,345

1,305

1,255

1,260

1,314

1,296

1,241

1,235

1,289

1,222

1,146

1,170

1,108

1,062

1,106

1,150

1,348

1,106

1,099

1,104

1,159

1,092

1,090

1,100

1,150

1,020

915

956

872

860

786

804

820

Equipment

314

262

279

1,141

417

495

421

397

442

375

362

393

352

340

362

345

349

430

379

414

420

414

472

441

435

474

480

485

482

422

441

407

357

410

314

429

394

378

325

Professional expenses

351

331

408

493

513

411

447

471

400

521

520

504

436

630

505

534

583

472

500

551

671

493

464

518

383

507

424

682

370

453

353

476

540

455

433

512

356

418

383

Sales and marketing expenses

177

212

117

312

246

253

169

322

213

301

203

353

421

253

296

379

356

334

262

455

458

399

331

537

418

391

415

510

513

416

420

495

315

178

199

176

202

160

134

Deposit insurance premiums and regulatory assessments

54

59

-16

-

124

172

165

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposit insurance premium and regulatory assessments

-

-

-

-

-

-

-

158

189

218

184

159

189

177

248

254

252

250

262

236

227

238

273

251

251

229

214

183

241

303

339

300

364

461

171

570

695

664

681

Other

798

811

587

1,053

1,122

1,059

907

1,054

1,132

1,905

3,882

2,303

759

1,684

1,618

1,605

1,169

1,232

1,057

1,295

1,336

1,268

1,270

1,492

1,156

1,254

1,386

1,492

1,514

1,404

1,438

1,593

1,757

1,634

1,460

1,407

1,409

1,353

1,490

Total non-interest expense

7,505

7,554

7,238

9,657

13,000

10,875

11,704

11,818

12,439

13,213

15,734

14,717

13,768

14,668

15,632

15,555

14,485

13,859

14,360

15,150

15,168

13,912

13,739

14,214

12,553

12,871

14,530

17,519

15,729

16,769

17,326

15,991

14,597

12,474

12,303

11,808

11,012

11,342

11,210

Income (loss) before income taxes

1,612

3,451

3,595

1,053

-340

2,768

2,439

2,270

2,400

1,290

-433

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income taxes

-

-

-

-

-

-

-

-

-

-

-

1,524

1,835

2,599

2,858

4,418

2,545

1,690

4,193

4,315

4,590

4,049

4,126

3,691

2,537

2,826

2,556

9,220

8,242

12,015

13,236

7,388

4,066

3,213

4,071

3,663

4,131

7,415

8,060

Provision (benefit) for income taxes

467

1,053

1,033

266

-189

810

616

870

667

2,067

-208

560

690

1,095

1,264

1,863

1,051

708

1,750

1,830

1,990

1,721

1,736

1,600

1,138

1,223

1,043

3,963

3,372

5,075

4,506

3,082

1,734

1,359

1,753

1,562

1,796

3,160

3,531

Net income (loss)

1,145

2,398

2,562

787

-151

1,958

1,823

1,400

1,733

-777

-225

964

1,145

1,504

1,594

2,555

1,494

982

2,443

2,485

2,600

2,328

2,390

2,091

1,399

1,603

1,513

5,257

4,870

6,940

8,730

4,306

2,332

1,854

2,318

2,101

2,335

4,255

4,529

Basic earnings (loss) per share

0.15

0.32

0.34

0.10

-0.02

0.26

0.25

0.18

0.23

-0.10

-0.03

0.13

0.14

0.19

0.20

0.31

0.18

0.12

0.29

0.28

0.29

0.26

0.26

0.22

0.14

0.16

0.15

0.51

0.46

0.65

0.81

0.39

0.21

0.16

0.20

0.19

0.20

0.37

0.40

Diluted earnings (loss) per share

0.15

0.31

0.33

0.10

-0.02

0.26

0.24

0.18

0.23

-0.10

-0.03

0.12

0.14

0.18

0.20

0.31

0.18

0.11

0.28

0.28

0.29

0.25

0.25

0.21

0.14

0.16

0.14

0.49

0.45

0.64

0.80

0.39

0.21

0.16

0.20

0.19

0.20

0.37

0.40

Cash dividends per share (in dollars per share)

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.14

0.13

0.13

0.13

0.13

0.12

0.12

0.12

0.12

0.12

0.11

0.11

0.11

0.10

0.10

0.10

0.10

0.07

0.07

0.05

0.05

0.04

0.04

0.03

0.03

0.01

0.01

0.01

0.01

Deposit account fees
Total non-interest income

423

451

447

443

471

509

505

-

529

536

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Card and processing fees
Total non-interest income

360

371

390

-

373

392

398

-

372

373

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan servicing fees
Total non-interest income

131

367

133

-

262

277

324

-

493

317

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-