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<SEC-DOCUMENT>0000939057-03-000190.txt : 20030728
<SEC-HEADER>0000939057-03-000190.hdr.sgml : 20030728
<ACCEPTANCE-DATETIME>20030728125550
ACCESSION NUMBER:		0000939057-03-000190
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20030724
ITEM INFORMATION:		Financial statements and exhibits
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20030728

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				330704889
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-28304
		FILM NUMBER:		03805431

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9096866060

	MAIL ADDRESS:	
		STREET 1:		3756 CENTRAL AVENUE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>fm8kearn.htm
<DESCRIPTION>PROVIDENT FINANCIAL HOLDINGS, INC. FORM 8-K
<TEXT>
<HTML>
<BODY>

<FONT FACE="Times New Roman, Times, Serif" SIZE=3>
<p align=center>UNITED STATES<br>SECURITIES AND EXCHANGE COMMISSION<br>Washington, D.C. 20549</p>
<p align=center><FONT SIZE=4>FORM 8-K</font></p>
<p align=center>Current Report Pursuant to Section 13 or 15 (d)<br> of the Securities Exchange Act of 1934</p><br>

<p style="margin-left: .25 in; margin-right: .05 in" align=justify>Date of Report (Date of earliest event reported):&nbsp;<u>July 24, 2003</u></p><br><br>

<p align=center><u><b>PROVIDENT FINANCIAL HOLDINGS,  INC.</b></u><br>
(Exact name of registrant as specified in its charter)</p><br>

<table width=93% align=center>
<tr>
<td width=31% align=center valign=top>Delaware<hr noshade size=1 width=70%>
(State or other jurisdiction<br>of incorporation)</td>
<td width=31% align=center valign=top>000-28304<hr noshade size=1 width=60%>
(File number)</td>
<td width=31% align=center valign=top>33-0704889<hr noshade size=1 width=60%>
(I.R.S. Employer<br>Identification No.)</td>
</tr>

<tr>
<td width=31% align=center>&nbsp;</td>
<td width=31% align=center></td>
<td width=31% align=center></td>
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<tr>
<td width=31% align=center>&nbsp;</td>
<td width=31% align=center></td>
<td width=31% align=center></td>
</tr>

<tr>
<td width=62% align=left colspan=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3756 Central Avenue, Riverside, California</font></FONT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<hr noshade size=1 width=60% align="left">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Address of principal executive office)</td>
<td width=31% align=center>92506<hr noshade size=1 width=50%>(Zip Code)</td>
</tr>
</table><br>

<p style="margin-left: .25 in; margin-right: .05 in" align=justify>Registrant's telephone number, including area code:&nbsp; <u> (909) 686-6060</u></p>

<p align=center><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u><BR>(Former name or former address, if changed since last report)</p>
</font>

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<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
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<p style="margin-left: .25 in; margin-right:.15 in" align=justify>Item 7.&nbsp;&nbsp;Financial Statements, Pro Forma Financial Information and Exhibits<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;Exhibit<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;&nbsp;Press Release of Provident Financial Holdings, Inc. on July 24, 2003.<br><br><br>

Item 9.&nbsp;&nbsp;Regulation FD Disclosure<br><br>

On July 24, 2003, Provident Financial Holdings, Inc. issued its earnings release for the fourth quarter and the fiscal year ended June 30, 2003.   A copy of the earnings release is attached hereto as Exhibit 99.1, which is incorporated herein by reference.<br><br>

The information being furnished under this "Item 9. Regulation FD Disclosure" is intended to be furnished under "Item 12. Disclosure of Results of Operations and Financial Condition." <br><br>


SIGNATURES<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.</P><br>

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<td width=73% align=left valign=top></td>
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<tr>
<td width=20% align=left valign=top>Date: July 28, 2003</td>
<td width=73% align=left valign=top>Provident Financial Holdings, Inc.</td>
</tr>

<tr>
<td width=20% align=left valign=top>&nbsp;</td>
<td width=73% align=left valign=top></td>
</tr>

<tr>
<td width=20% align=left valign=top>&nbsp;</td>
<td width=73% align=left valign=top></td>
</tr>


<tr>
<td width=20% align=left valign=top></td>
<td width=73% align=left valign=top><u>/s/&nbsp;Craig G. Blunden</u><br>Craig G. Blunden<br>Chairman, President and Chief Executive Officer<br>(Principal Executive Officer)</td>
</tr>

<tr>
<td width=20% align=left valign=top>&nbsp;</td>
<td width=73% align=right valign=top></td>
</tr>

<tr>
<td width=20% align=left valign=top>&nbsp;</td>
<td width=73% align=right valign=top></td>
</tr>

<tr>
<td width=20% align=left valign=top></td>
<td width=73% align=left valign=top><U>/s/&nbsp;Donavon P. Ternes</U><br>Donavon P. Ternes<br>Chief Financial Officer<br>(Principal Financial and Accounting Officer)</td>
</tr>
</table><br>


<br><br><br><br><br>
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<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
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<br><br><br>




<P align="center">Exhibit 99.1</P><br>

<p align="center">Corporation's press release dated July 24, 2003</p>


<br><br><br><br><br><br><br><br><br><br>
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<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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<table width=92% align=center>
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<td width=62% align=left valign=top></td>
<td width=30% align=left valign=top></td>
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<tr>
<td width=62% align=left valign=top><b>3756 Central Avenue</b></td>
<td width=30% align=left valign=top><b>Contacts:</b></td>
</tr>

<tr>
<td width=62% align=left valign=top><b>Riverside, CA 92506</b></td>
<td width=30% align=left valign=top>Craig G. Blunden, CEO</td>
</tr>

<tr>
<td width=62% align=left valign=top><b>(909) 686-6060</b></td>
<td width=30% align=left valign=top>Donavon P. Ternes, CFO</td>
</tr>
</table><br>

<FONT FACE="Times" SIZE=3>
<P ALIGN="CENTER"><B>PROVIDENT FINANCIAL HOLDINGS, INC. REPORTS<br>
RECORD FOURTH QUARTER AND FISCAL YEAR RESULTS</P></B>

<p style="margin-left: .25 in; margin-right: .15 in; line-height: 200%" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Riverside, California, July 24, 2003 - Provident Financial Holdings, Inc. (NASDAQ/PROV), the holding company for Provident Savings Bank, FSB, today announced record earnings (see Note 1) for the fourth quarter and fiscal 2003.  Net income for the fourth quarter of fiscal 2003 totaled $4.72 million, an increase of 94 percent from net income of $2.43 million for the fourth quarter of fiscal 2002; and diluted earnings per share for the fourth quarter of fiscal 2003 increased 50 cents, or 111 percent, to 95 cents from 45 cents for the fourth quarter of fiscal 2002.  Return on average assets for the fourth quarter of fiscal 2003 was 1.54 percent, as compared to 0.95 percent for the same period of fiscal 2002.  Return on average stockholders' equity for the fourth quarter of fiscal 2003 was 18.19 percent, as compared to 9.40 percent in the comparable period of fiscal 2002. <br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On a sequential quarter basis, net income for the fourth quarter of fiscal 2003 increased $130,000, or 3 percent, from $4.59 million in the third quarter of fiscal 2003; and diluted earnings per share increased 3 cents, or 3 percent, from 92 cents in the third quarter of fiscal 2003.  Return on average assets decreased 2 basis points to 1.54 percent from 1.56 percent in the third quarter of fiscal 2003, while return on average equity decreased 15 basis points to 18.19 percent from 18.34 percent in the third quarter of fiscal 2003. <br></p>

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<p align=center><b><font size="1">Page 1 of 13</b>
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<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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<p style="margin-left: .25 in; margin-right: .15 in; line-height: 200%" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the fiscal year ended June 30, 2003, net income totaled $16.89 million, an increase of 85 percent from net income of $9.11 million for the year ended June 30, 2002; and diluted earnings per share for fiscal 2003 increased $1.62, or 96 percent, to $3.30 from $1.68 for fiscal 2002.  Return on average assets for the year ended June 30, 2003 was 1.47 percent compared to 0.86 percent for the fiscal year ended June 30, 2002, an increase of 61 basis points.  Return on average stockholders' equity for the year ended June 30, 2003 was 16.51 percent compared to 9.05 percent for the prior year, an increase of 746 basis points.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income after provision for loan losses increased $1.88 million, or 29 percent, to $8.28 million in the fourth quarter of fiscal 2003 from $6.41 million for the same period in fiscal 2002; non-interest income increased $2.04 million to $6.77 million in the fourth quarter of fiscal 2003 from $4.73 million in the comparable period of fiscal 2002; and non-interest expense increased $155,000 to $7.16 million in the fourth quarter of fiscal 2003 from $7.00 million in the comparable period in fiscal 2002.<br><br>

The average balance of loans outstanding increased by $183.4 million to $830.3 million in the fourth quarter of fiscal 2003 from $646.9 million for the same quarter of fiscal 2002, while the average yield decreased by 111 basis points to 6.11 percent in the fourth quarter of fiscal 2003 from an average yield of 7.22 percent for the same quarter of fiscal 2002.  Total portfolio loan originations (including purchased loans) in the fourth quarter of fiscal 2003 were $155.7 million, which consisted primarily of single-family, commercial real estate and construction loans.  This compares to total portfolio loan originations (including purchased loans) of $89.2 million in the fourth quarter of fiscal 2002.  The outstanding balance of "preferred loans" (multi-family, construction, <br></p>

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<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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<p style="margin-left: .25 in; margin-right: .15 in; line-height: 200%" align=justify>commercial real estate and commercial business loans) increased by $49.1 million, or 30 percent, to $212.8 million at June 30, 2003 from $163.7 million at June 30, 2002.  The ratio of preferred loans to portfolio loans increased to 29 percent at June 30, 2003 from 28 percent June 30, 2002.  Loan prepayments in the fourth quarter of fiscal 2003 were $85.2 million as compared to $87.0 million in the same quarter of fiscal 2002.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The average balance of deposits increased by $66.6 million to $752.3 million and the average cost of deposits decreased by 88 basis points to 1.95 percent in the fourth quarter of fiscal 2003, as compared to the average balance of $685.7 million and an average cost of 2.83 percent in the same quarter last year.  Total transaction account balances (core deposits) increased by $122.5 million, or 36 percent, to $463.4 million at June 30, 2003 from $340.9 million at June 30, 2002; while total time deposits decreased $45.8 million, or 14 percent, to $290.8 million at June 30, 2003 from $336.6 million at June 30, 2002.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The average balance of FHLB advances increased by $110.1 million to $322.8 million and the average cost of advances decreased 294 basis points to 3.78 percent in the fourth quarter of fiscal 2003, as compared to the average balance of $212.7 million and an average cost of 6.72 percent in the same quarter of fiscal 2002.  The decrease in the average cost of FHLB advances was primarily a result of the use of overnight advances with an average balance of $98.6 million and an average cost of 1.30 percent in the fourth quarter of fiscal 2003 as compared to average overnight advances of $1.7 million with an average cost of 1.86 percent in the same quarter of fiscal 2002.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The net interest margin during the fourth quarter of fiscal 2003 increased to 2.91 percent as compared to 2.70 percent during the same quarter last year, an improvement of <br></p>

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<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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<p style="margin-left: .25 in; margin-right: .15 in; line-height: 200%" align=justify>21 basis points.  On a sequential quarter basis, the net interest margin in the fourth quarter of fiscal 2003 decreased 5 basis points from 2.96 percent in the third quarter of fiscal 2003.  For the year ended June 30, 2003, the net interest margin increased to 2.94 percent as compared to 2.62 percent during the same period last year, an increase of 32 basis points.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During the fourth quarter of fiscal 2003, the provision for loan losses was $85,000 as compared to $150,000 during the same period of fiscal 2002.  The provision recorded in the fourth quarter was a result of the sequential quarter growth in the loan portfolio, including the substantial growth of "preferred loans" and a $217,000 charge off of two commercial business loans to a single borrower.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The increase in non-interest income in the fourth quarter of fiscal 2003 as compared to the same period of fiscal 2002 was primarily the result of an increase in the gain on sale of loans.  The gain on sale of loans increased $2.5 million, or 93 percent, to $5.2 million, primarily attributable to a higher average loan sale margin (1.29 percent compared to 1.10 percent) and a higher volume of loans originated for sale ($390.2 million compared to $230.1 million).<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the fourth quarter of fiscal 2003, the net impact of derivative financial instruments (Statement of Financial Accounting Standards (("SFAS")) No. 133) on the consolidated statement of operations was a favorable adjustment of $114,000 as compared to a favorable adjustment of $113,000 in the same period last year.  For the year, the net impact was a favorable adjustment of $360,000 as compared to an unfavorable adjustment of $118,000 in the same period last year.  The fair value of the derivative financial instruments outstanding at June 30, 2003 was $1.6 million in <br></p>

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<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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<p style="margin-left: .25 in; margin-right: .15 in; line-height: 200%" align=justify>comparison to $559,000 at June 30, 2002.  The fair value adjustment for SFAS No. 133 is subject to the Bank's commitments to extend credit on loans to be held for sale, including servicing released premiums (net of commitments which may not fund), forward loan sale agreements, put option contracts, interest rate conditions and other related factors.  This SFAS No. 133 adjustment is relatively volatile and may have an adverse impact on future earnings.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest expense for the fourth quarter of fiscal 2003 increased $155,000 to $7.2 million, as compared to $7.0 million for the same quarter in fiscal 2002.  The increase in non-interest expense was primarily the result of the costs associated with increased loan production volume in the Mortgage Banking Division.  This is reflected in increased commissions and loan production incentives in the fourth quarter of fiscal 2003, which were $302,000 higher than the same period in fiscal 2002. <br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation's efficiency ratio for the fourth quarter of fiscal 2003 improved to 47 percent as compared to 62 percent in the fourth quarter of 2002, a result of the increase in revenue which significantly outpaced the increase in non-interest expense.  For the year ended June 30, 2003 the efficiency ratio improved to 49 percent from 62 percent during the same period in 2002.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-performing assets declined to $914,000, or 0.07 percent of total assets, at June 30, 2003, as compared to $1.6 million, or 0.16 percent of total assets, at June 30, 2002.  The allowance for loan losses was $7.2 million at June 30, 2003, or 0.96 percent of gross loans held for investment as compared to $6.6 million, or 1.10 percent of gross loans held for investment, at June 30, 2002.<br></p>

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<p style="margin-left: .25 in; margin-right: .15 in; line-height: 200%" align=justify>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;"It is very gratifying to see the hard work and dedication of our employees payoff in the form of outstanding financial results.  We have had the wind at our backs with respect to our mortgage banking business but our staff still needed to execute in order to capitalize on this favorable environment.  They have lived up to our expectations.  Additionally, our community banking business has shown sound improvement by any measure.  The loan portfolio has grown, transaction accounts (core deposits) have increased, net interest income is up, the net interest margin has expanded, non mortgage banking related fee income is up and operating expenses have been contained.  This has been an outstanding year," commented Craig G. Blunden, Chairman, President and Chief Executive Officer. <br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During the quarter the Corporation repurchased 15,000 shares of its common stock at an average price of $30.05 per share for a total cost of $451,000.  Currently, there are 95,800 shares remaining under the existing 10 percent share repurchase authorization.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provident Savings Bank, FSB currently operates 11 retail/business banking offices in Riverside County and San Bernardino County along with nine Provident Bank Mortgage loan production offices located throughout Southern California.  The twelfth retail/business banking office is scheduled to open in August 2003 in the fast growing Orangecrest area of Riverside.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation will host a conference call for institutional investors and bank analysts on Monday, July 28, 2003 at 10:00 a.m. (Pacific Time) to discuss its financial results.  The conference call can be accessed by dialing (888) 273-9885 and requesting the Provident Financial Holdings Earnings Release Conference Call.  An audio replay of <br></p>

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<p style="margin-left: .25 in; margin-right: .15 in; line-height: 200%" align=justify>
the conference call will be available through Monday, August 4, 2003 by dialing (800) 475-6701 and referencing access code number 690678.<br><br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For more financial information about Provident please visit the website at <u>www.myprovident.com</u> and click on the Investor Relations section. <br></p>

<p style="margin-left: .25 in; margin-right: .15 in; line-height: 100%" align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Note 1: The record high earnings and the record high diluted earnings per share for the current quarter is determined by comparing current earnings to prior quarters' earnings, excluding the non-recurring property gain of $3.57 million (net of taxes) reported in the fourth quarter of fiscal 1999.<br></p><br></font>


<P ALIGN=CENTER>Forward-Looking Statement</P>

<p style="margin-left: .25 in; margin-right: .15 in" align=justify><i><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Certain matters in this News Release and the conference call noted above may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  These forward-looking statements may relate to, among others, expectations of the business environment in which the Corporation operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Corporation's mission and vision. These forward-looking statements are based upon current management expectations, and may, therefore, involve risks and uncertainties. The Corporation's actual results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward-looking statements due to a wide range of factors including, but not limited to, the general business environment, interest ra
tes, the California real estate market, competitive conditions between banks and non-bank financial services providers, regulatory changes, and other risks detailed in the Corporation's reports filed with the Securities and Exchange Commission, including the Annual Report on Form 10-K for the fiscal year ended June 30, 2002.</i></font><br><br><br><br><br><br><br><br><br><br>

<br>
<p align=center><font size=2></p><hr>
<p align=center><b><font size="1">Page 7 of 13</b>
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<br><br>

<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<IMG SRC="image5.gif" WIDTH="164" HEIGHT="66"><br><hr noshade size=2 width=95%></p>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4><B>PROVIDENT FINANCIAL HOLDINGS, INC.<br><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Consolidated Statements of Financial Condition</B><br>(Unaudited - In Thousands)<br></P>

<table width=94% align=center>
<tr>
<td width=70% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top></td>
<td width=12% align=center valign=top><B>June 30, 2003</B></td>
<td width=12% align=center valign=top><B>June 30, 2002</B></td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top><b>Assets</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Cash</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;48,851</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;27,700</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Investment securities - held to maturity<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(fair value $77,010 and $157,705, respectively)</td>
<td width=12% align=right valign=top><br>76,838</td>
<td width=12% align=right valign=top><br>157,122</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Investment securities - available for sale at fair value</td>
<td width=12% align=right valign=top>220,273</td>
<td width=12% align=right valign=top>114,826</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Loans held for investment, net of allowance for loan losses of<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$7,218 and $6,579, respectively</td>
<td width=12% align=right valign=top><br>744,377</td>
<td width=12% align=right valign=top><br>593,554</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Loans held for sale, at lower of cost or market</td>
<td width=12% align=right valign=top>4,247</td>
<td width=12% align=right valign=top>1,747</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Receivable from sale of loans</td>
<td width=12% align=right valign=top>114,744</td>
<td width=12% align=right valign=top>67,241</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Accrued interest receivable</td>
<td width=12% align=right valign=top>4,934</td>
<td width=12% align=right valign=top>5,591</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Real estate held for investment, net</td>
<td width=12% align=right valign=top>10,643</td>
<td width=12% align=right valign=top>11,150</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Real estate owned, net</td>
<td width=12% align=right valign=top>523</td>
<td width=12% align=right valign=top>313</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Federal Home Loan Bank stock</td>
<td width=12% align=right valign=top>20,974</td>
<td width=12% align=right valign=top>13,000</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Premises and equipment, net</td>
<td width=12% align=right valign=top>8,045</td>
<td width=12% align=right valign=top>8,119</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Prepaid expenses and other assets</td>
<td width=12% align=right valign=top>7,057</td>
<td width=12% align=right valign=top>4,955</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;1,261,506</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;1,005,318</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top>&nbsp;</td>
</tr>

<tr>
<td width=70% align=left valign=top><b>Liabilities and Stockholders' Equity</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>Liabilities:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Non-interest bearing deposits</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43,840</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;31,076</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Interest bearing deposits</td>
<td width=12% align=right valign=top>710,266</td>
<td width=12% align=right valign=top>646,372</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits</td>
<td width=12% align=right valign=top>754,106</td>
<td width=12% align=right valign=top>677,448</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top>&nbsp;</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Borrowings</td>
<td width=12% align=right valign=top>367,938</td>
<td width=12% align=right valign=top>202,466</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Accounts payable, accrued interest and other liabilities</td>
<td width=12% align=right valign=top>32,584</td>
<td width=12% align=right valign=top>22,373</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</td>
<td width=12% align=right valign=top>1,154,628</td>
<td width=12% align=right valign=top>902,287</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top>&nbsp;</td>
</tr>

<tr>
<td width=70% align=left valign=top>Stockholders' equity:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Preferred stock, $.01 par value; authorized 2,000,000 shares;           <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;none issued and outstanding</td>
<td width=12% align=right valign=top><br>-</td>
<td width=12% align=right valign=top><br>-</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Common stock, $.01 par value; authorized 15,000,000 shares;<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;issued 7,846,665 and 7,712,515 shares, respectively;<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;outstanding 4,986,519 and 5,463,199 shares, respectively)</td>
<td width=12% align=right valign=top><br><br>78</td>
<td width=12% align=right valign=top><br><br>77</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Additional paid-in capital</td>
<td width=12% align=right valign=top>54,731</td>
<td width=12% align=right valign=top>52,178</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Retained earnings</td>
<td width=12% align=right valign=top>98,660</td>
<td width=12% align=right valign=top>82,805</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Treasury stock at cost (2,860,146 and 2,249,316 shares,<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;respectively)</td>
<td width=12% align=right valign=top><br>(45,801)</td>
<td width=12% align=right valign=top><br>(30,027)</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Unearned stock compensation</td>
<td width=12% align=right valign=top>(2,450)</td>
<td width=12% align=right valign=top>(2,866)</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Accumulated other comprehensive income, net of tax</td>
<td width=12% align=right valign=top>1,660</td>
<td width=12% align=right valign=top>864</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity</td>
<td width=12% align=right valign=top>106,878</td>
<td width=12% align=right valign=top>103,031</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;1,261,506</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;1,005,318</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=2 width=100%></td>
</tr>

</table>



<br><br>
<p align=center><font size=2></p><hr>
<p align=center><b><font size="1">Page 8 of 13</b>
<font size="3"></p>
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<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<IMG SRC="image5.gif" WIDTH="164" HEIGHT="66"><br><hr noshade size=2 width=95%></p>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4><B>PROVIDENT FINANCIAL HOLDINGS, INC.<br><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Consolidated Statement of Operations</B><br>(Unaudited - In Thousands, Except Earnings Per Share)</P>

<table width=94% align=center>
<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=24% align=center colspan=2 valign=top><B>Quarter Ended<br>June 30,</B><hr noshade size=1 width=95%></td>
<td width=24% align=center colspan=2 valign=top><B>Year Ended<br>June 30,</B><hr noshade size=1 width=95%></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=right valign=top><B>2003</B>&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td width=12% align=right valign=top><B>2002</B>&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td width=12% align=right valign=top><B>2003</B>&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td width=12% align=right valign=top><B>2002</B>&nbsp;&nbsp;&nbsp;&nbsp;</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>Interest income:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Loans receivable, net</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,674</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11,677</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;49,328</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;51,247</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Investment securities</td>
<td width=12% align=right valign=top>2,165</td>
<td width=12% align=right valign=top>2,783</td>
<td width=12% align=right valign=top>9,668</td>
<td width=12% align=right valign=top>12,122</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;FHLB stock</td>
<td width=12% align=right valign=top>216</td>
<td width=12% align=right valign=top>200</td>
<td width=12% align=right valign=top>843</td>
<td width=12% align=right valign=top>779</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Interest earning deposits</td>
<td width=12% align=right valign=top>6</td>
<td width=12% align=right valign=top>300</td>
<td width=12% align=right valign=top>17</td>
<td width=12% align=right valign=top>1,520</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total interest income</td>
<td width=12% align=right valign=top>15,061</td>
<td width=12% align=right valign=top>14,960</td>
<td width=12% align=right valign=top>59,856</td>
<td width=12% align=right valign=top>65,668</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top>&nbsp;</td>
</tr>

<tr>
<td width=46% align=left valign=top>Interest expense:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;NOW and money market checking</td>
<td width=12% align=right valign=top>377</td>
<td width=12% align=right valign=top>459</td>
<td width=12% align=right valign=top>1,560</td>
<td width=12% align=right valign=top>2,410</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Savings deposits</td>
<td width=12% align=right valign=top>1,158</td>
<td width=12% align=right valign=top>840</td>
<td width=12% align=right valign=top>4,161</td>
<td width=12% align=right valign=top>3,170</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Time deposits</td>
<td width=12% align=right valign=top>2,117</td>
<td width=12% align=right valign=top>3,544</td>
<td width=12% align=right valign=top>10,531</td>
<td width=12% align=right valign=top>18,474</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Borrowings</td>
<td width=12% align=right valign=top>3,041</td>
<td width=12% align=right valign=top>3,561</td>
<td width=12% align=right valign=top>12,161</td>
<td width=12% align=right valign=top>15,134</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total interest expense</td>
<td width=12% align=right valign=top>6,693</td>
<td width=12% align=right valign=top>8,404</td>
<td width=12% align=right valign=top>28,413</td>
<td width=12% align=right valign=top>39,188</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>Net interest income</td>
<td width=12% align=right valign=top>8,368</td>
<td width=12% align=right valign=top>6,556</td>
<td width=12% align=right valign=top>31,443</td>
<td width=12% align=right valign=top>26,480</td>
</tr>

<tr>
<td width=46% align=left valign=top>Provision for loan losses</td>
<td width=12% align=right valign=top>85</td>
<td width=12% align=right valign=top>150</td>
<td width=12% align=right valign=top>1,055</td>
<td width=12% align=right valign=top>525</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>Net interest income after provision for loan losses</td>
<td width=12% align=right valign=top>8,283</td>
<td width=12% align=right valign=top>6,406</td>
<td width=12% align=right valign=top>30,388</td>
<td width=12% align=right valign=top>25,955</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top>&nbsp;</td>
</tr>

<tr>
<td width=46% align=left valign=top>Non-interest income</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Loan servicing and other fees</td>
<td width=12% align=right valign=top>522</td>
<td width=12% align=right valign=top>600</td>
<td width=12% align=right valign=top>1,845</td>
<td width=12% align=right valign=top>2,178</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Gain on sale of loans, net</td>
<td width=12% align=right valign=top>5,247</td>
<td width=12% align=right valign=top>2,725</td>
<td width=12% align=right valign=top>19,200</td>
<td width=12% align=right valign=top>10,139</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Real estate operations, net</td>
<td width=12% align=right valign=top>201</td>
<td width=12% align=right valign=top>221</td>
<td width=12% align=right valign=top>731</td>
<td width=12% align=right valign=top>693</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Deposit account fees</td>
<td width=12% align=right valign=top>422</td>
<td width=12% align=right valign=top>422</td>
<td width=12% align=right valign=top>1,734</td>
<td width=12% align=right valign=top>1,641</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Gain on sale of investment securities</td>
<td width=12% align=right valign=top>--</td>
<td width=12% align=right valign=top>--</td>
<td width=12% align=right valign=top>694</td>
<td width=12% align=right valign=top>544</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Other</td>
<td width=12% align=right valign=top>382</td>
<td width=12% align=right valign=top>762</td>
<td width=12% align=right valign=top>1,567</td>
<td width=12% align=right valign=top>1,247</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total non-interest income</td>
<td width=12% align=right valign=top>6,774</td>
<td width=12% align=right valign=top>4,730</td>
<td width=12% align=right valign=top>25,771</td>
<td width=12% align=right valign=top>16,442</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top>&nbsp;</td>
</tr>

<tr>
<td width=46% align=left valign=top>Non-interest expense</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Salaries and employee benefits</td>
<td width=12% align=right valign=top>4,571</td>
<td width=12% align=right valign=top>4,443</td>
<td width=12% align=right valign=top>17,965</td>
<td width=12% align=right valign=top>16,851</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Premises and occupancy</td>
<td width=12% align=right valign=top>620</td>
<td width=12% align=right valign=top>632</td>
<td width=12% align=right valign=top>2,480</td>
<td width=12% align=right valign=top>2,278</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Equipment</td>
<td width=12% align=right valign=top>456</td>
<td width=12% align=right valign=top>559</td>
<td width=12% align=right valign=top>1,972</td>
<td width=12% align=right valign=top>2,227</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Professional expenses</td>
<td width=12% align=right valign=top>201</td>
<td width=12% align=right valign=top>149</td>
<td width=12% align=right valign=top>714</td>
<td width=12% align=right valign=top>683</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Sales and marketing expenses</td>
<td width=12% align=right valign=top>249</td>
<td width=12% align=right valign=top>225</td>
<td width=12% align=right valign=top>900</td>
<td width=12% align=right valign=top>780</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Other</td>
<td width=12% align=right valign=top>1,060</td>
<td width=12% align=right valign=top>994</td>
<td width=12% align=right valign=top>3,882</td>
<td width=12% align=right valign=top>3,987</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total non-interest expense</td>
<td width=12% align=right valign=top>7,157</td>
<td width=12% align=right valign=top>7,002</td>
<td width=12% align=right valign=top>27,913</td>
<td width=12% align=right valign=top>26,806</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>Income before taxes</td>
<td width=12% align=right valign=top>7,900</td>
<td width=12% align=right valign=top>4,134</td>
<td width=12% align=right valign=top>28,246</td>
<td width=12% align=right valign=top>15,591</td>
</tr>

<tr>
<td width=46% align=left valign=top>Provision for income taxes</td>
<td width=12% align=right valign=top>3,182</td>
<td width=12% align=right valign=top>1,706</td>
<td width=12% align=right valign=top>11,357</td>
<td width=12% align=right valign=top>6,482</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Net income</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,718</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,428</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;16,889</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,109</td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top><B>Basic earnings per share</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.02</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.48</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.56</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.77</B></td>
</tr>

<tr>
<td width=46% align=left valign=top><B>Diluted earnings per share</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.95</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.45</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.30</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.68</B></td>
</tr>

<tr>
<td width=46% align=left valign=top><B>Cash dividends per share</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.05</B></td>
<td width=12% align=right valign=top><B>--</B></td>
<td width=12% align=right valign=top><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.20</B></td>
<td width=12% align=right valign=top><B>-</B></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top><hr noshade size=2 width=100%></td>
</tr>

</table>

<br>
<p align=center><font size=2></p><hr>
<p align=center><b><font size="1">Page 9 of 13</b>
<font size="3"></p>
<br><br>

<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<IMG SRC="image5.gif" WIDTH="164" HEIGHT="66"><br><hr noshade size=2 width=95%></p>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4><B>PROVIDENT FINANCIAL HOLDINGS, INC.<br><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Consolidated Statement of Operations - Sequential Quarter</B><br>(Unaudited - In Thousands, Except Earnings Per Share)</P>

<table width=94% align=center>
<tr>
<td width=70% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top></td>
<td width=24% colspan=2 align=center valign=top><b>Quarter Ended</b><hr noshade size=2 width=98%></td>
</tr>

<tr>
<td width=70% align=left valign=top></td>
<td width=12% align=center valign=top><B>June 30, 2003</B></td>
<td width=12% align=center valign=top><B>March 31, 2003</B></td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>Interest income:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Loans receivable, net</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,674</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,450</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Investment securities</td>
<td width=12% align=right valign=top>2,165</td>
<td width=12% align=right valign=top>2,346</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;FHLB stock</td>
<td width=12% align=right valign=top>216</td>
<td width=12% align=right valign=top>234</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Interest-earning deposits</td>
<td width=12% align=right valign=top>6</td>
<td width=12% align=right valign=top>1</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Total interest income</td>
<td width=12% align=right valign=top>15,061</td>
<td width=12% align=right valign=top>15,031</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top>&nbsp;</td>
</tr>

<tr>
<td width=70% align=left valign=top>Interest expense:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;NOW and money market checking</td>
<td width=12% align=right valign=top>377</td>
<td width=12% align=right valign=top>367</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Savings deposits</td>
<td width=12% align=right valign=top>1,158</td>
<td width=12% align=right valign=top>1,080</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Time deposits</td>
<td width=12% align=right valign=top>2,117</td>
<td width=12% align=right valign=top>2,447</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Borrowings</td>
<td width=12% align=right valign=top>3,041</td>
<td width=12% align=right valign=top>2,968</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Total interest expense</td>
<td width=12% align=right valign=top>6,693</td>
<td width=12% align=right valign=top>6,862</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>Net interest income</td>
<td width=12% align=right valign=top>8,368</td>
<td width=12% align=right valign=top>8,169</td>
</tr>

<tr>
<td width=70% align=left valign=top>Provision for loan losses</td>
<td width=12% align=right valign=top>85</td>
<td width=12% align=right valign=top>205</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>Net interest income after provision for loan losses</td>
<td width=12% align=right valign=top>8,283</td>
<td width=12% align=right valign=top>7,964</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top>&nbsp;</td>
</tr>

<tr>
<td width=70% align=left valign=top>Non-interest income:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Loan servicing and other fees</td>
<td width=12% align=right valign=top>522</td>
<td width=12% align=right valign=top>363</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Gain on sale of loans, net</td>
<td width=12% align=right valign=top>5,247</td>
<td width=12% align=right valign=top>4,935</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Real estate operations, net</td>
<td width=12% align=right valign=top>201</td>
<td width=12% align=right valign=top>177</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Deposit account fees</td>
<td width=12% align=right valign=top>422</td>
<td width=12% align=right valign=top>438</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Gain on sale of investment securities</td>
<td width=12% align=right valign=top>-</td>
<td width=12% align=right valign=top>428</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Other</td>
<td width=12% align=right valign=top>382</td>
<td width=12% align=right valign=top>359</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Total non-interest income</td>
<td width=12% align=right valign=top>6,774</td>
<td width=12% align=right valign=top>6,700</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top>&nbsp;</td>
</tr>

<tr>
<td width=70% align=left valign=top>Non-interest expense:</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Salaries and employee benefits</td>
<td width=12% align=right valign=top>4,571</td>
<td width=12% align=right valign=top>4,557</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Premises and occupancy</td>
<td width=12% align=right valign=top>620</td>
<td width=12% align=right valign=top>606</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Equipment</td>
<td width=12% align=right valign=top>456</td>
<td width=12% align=right valign=top>556</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Professional expenses</td>
<td width=12% align=right valign=top>201</td>
<td width=12% align=right valign=top>157</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Sales and marketing expenses</td>
<td width=12% align=right valign=top>249</td>
<td width=12% align=right valign=top>203</td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Other</td>
<td width=12% align=right valign=top>1,060</td>
<td width=12% align=right valign=top>901</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Total non-interest expense</td>
<td width=12% align=right valign=top>7,157</td>
<td width=12% align=right valign=top>6,980</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>Income before taxes</td>
<td width=12% align=right valign=top>7,900</td>
<td width=12% align=right valign=top>7,684</td>
</tr>

<tr>
<td width=70% align=left valign=top>Provision for income taxes</td>
<td width=12% align=right valign=top>3,182</td>
<td width=12% align=right valign=top>3,096</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=1 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top>&nbsp;&nbsp;&nbsp;Net income</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,718</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,588</td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=70% align=left valign=top><b>Basic earnings per share</b></td>
<td width=12% align=right valign=top><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.02</b></td>
<td width=12% align=right valign=top><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.99</b></td>
</tr>

<tr>
<td width=70% align=left valign=top><b>Diluted earnings per share</b></td>
<td width=12% align=right valign=top><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.95</b></td>
<td width=12% align=right valign=top><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.92</b></td>
</tr>

<tr>
<td width=70% align=left valign=top><b>Cash dividends per share</b></td>
<td width=12% align=right valign=top><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.05</b></td>
<td width=12% align=right valign=top><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.05</b></td>
</tr>

<tr>
<td width=94% align=center colspan=3 valign=top><hr noshade size=2 width=100%></td>
</tr>

</table>

<br><br>
<p align=center><font size=2></p><hr>
<p align=center><b><font size="1">Page 10 of 13</b>
<font size="3"></p>
<br><br>

<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<IMG SRC="image5.gif" WIDTH="164" HEIGHT="66"><br><hr noshade size=2 width=95%></p>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4><B>PROVIDENT FINANCIAL HOLDINGS, INC.<br><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Financial Highlights</B><br>(Unaudited)</P>

<table width=94% align=center>
<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=24% align=center colspan=2 valign=top><B>Quarter Ended<br>June 30,</B><hr noshade size=2 width=98%></td>
<td width=24% align=center colspan=2 valign=top><B>Year Ended<br>June 30,</B><hr noshade size=2 width=98%></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=center valign=top><B>2003</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2002</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2003</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2002</B><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>SELECTED FINANCIAL RATIOS:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Return on average assets</td>
<td width=12% align=right valign=top>1.54%</td>
<td width=12% align=right valign=top>0.95%</td>
<td width=12% align=right valign=top>1.47%</td>
<td width=12% align=right valign=top>0.86%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Return on average stockholders' equity </td>
<td width=12% align=right valign=top>18.19%</td>
<td width=12% align=right valign=top>9.40%</td>
<td width=12% align=right valign=top>16.51%</td>
<td width=12% align=right valign=top>9.05%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Stockholders' equity to total assets </td>
<td width=12% align=right valign=top>8.47%</td>
<td width=12% align=right valign=top>10.25%</td>
<td width=12% align=right valign=top>8.47%</td>
<td width=12% align=right valign=top>10.25%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Net interest spread </td>
<td width=12% align=right valign=top>2.74%</td>
<td width=12% align=right valign=top>2.40%</td>
<td width=12% align=right valign=top>2.74%</td>
<td width=12% align=right valign=top>2.32%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Net interest margin </td>
<td width=12% align=right valign=top>2.91%</td>
<td width=12% align=right valign=top>2.70%</td>
<td width=12% align=right valign=top>2.94%</td>
<td width=12% align=right valign=top>2.62%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Efficiency ratio </td>
<td width=12% align=right valign=top>47.27%</td>
<td width=12% align=right valign=top>62.04%</td>
<td width=12% align=right valign=top>48.79%</td>
<td width=12% align=right valign=top>62.45%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Average interest earning assets to average<br>&nbsp;&nbsp;&nbsp;&nbsp;interest bearing liabilities </td>
<td width=12% align=right valign=top><br>106.94%</td>
<td width=12% align=right valign=top><br>108.31%</td>
<td width=12% align=right valign=top><br>107.31%</td>
<td width=12% align=right valign=top><br>107.81%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>SELECTED FINANCIAL DATA:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Basic earnings per share</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.02</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.48</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.56</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.77</td>
</tr>

<tr>
<td width=46% align=left valign=top>Diluted earnings per share</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.95</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.45</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.30</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.68</td>
</tr>

<tr>
<td width=46% align=left valign=top>Book value per share </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21.43</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18.86</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21.43</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18.86</td>
</tr>

<tr>
<td width=46% align=left valign=top>Shares used for basic EPS computation </td>
<td width=12% align=right valign=top>4,625,066</td>
<td width=12% align=right valign=top>5,101,535</td>
<td width=12% align=right valign=top>4,748,337</td>
<td width=12% align=right valign=top>5,136,518</td>
</tr>

<tr>
<td width=46% align=left valign=top>Shares used for diluted EPS computation </td>
<td width=12% align=right valign=top>4,957,084</td>
<td width=12% align=right valign=top>5,445,963</td>
<td width=12% align=right valign=top>5,112,407</td>
<td width=12% align=right valign=top>5,413,479</td>
</tr>

<tr>
<td width=46% align=left valign=top>Total shares issued and outstanding </td>
<td width=12% align=right valign=top>4,968,519</td>
<td width=12% align=right valign=top>5,463,199</td>
<td width=12% align=right valign=top>4,986,519</td>
<td width=12% align=right valign=top>5,463,199</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>ASSET QUALITY RATIOS:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Non-performing loans to loans held for investment, net </td>
<td width=12% align=right valign=top>0.05%</td>
<td width=12% align=right valign=top>0.22%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Non-performing assets to total assets </td>
<td width=12% align=right valign=top>0.07%</td>
<td width=12% align=right valign=top>0.16%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Allowance for loan losses to non-performing loans </td>
<td width=12% align=right valign=top>1,846.04%</td>
<td width=12% align=right valign=top>498.79%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Allowance for loan losses to gross loans held for<br>&nbsp;&nbsp;&nbsp;investment </td>
<td width=12% align=right valign=top><br>0.96%</td>
<td width=12% align=right valign=top><br>1.10%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>REGULATORY CAPITAL RATIOS:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Tangible equity ratio </td>
<td width=12% align=right valign=top>6.50%</td>
<td width=12% align=right valign=top>8.92%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Tier 1 (core) capital ratio </td>
<td width=12% align=right valign=top>6.50%</td>
<td width=12% align=right valign=top>8.92%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Total risk-based capital ratio </td>
<td width=12% align=right valign=top>13.01%</td>
<td width=12% align=right valign=top>18.01%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Tier 1 risk-based capital ratio </td>
<td width=12% align=right valign=top>11.97%</td>
<td width=12% align=right valign=top>16.78%</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

</table>

<br><br><br><br><br><br>
<p align=center><font size=2></p><hr>
<p align=center><b><font size="1">Page 11 of 13</b>
<font size="3"></p>
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<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<IMG SRC="image5.gif" WIDTH="164" HEIGHT="66"><br><hr noshade size=2 width=95%></p>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4><B>PROVIDENT FINANCIAL HOLDINGS, INC.<br><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Financial Highlights</B><br>(Unaudited - Dollars In Thousands)</p>

<table width=94% align=center>
<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=48% colspan=4 align=center valign=top><b>As of June 30,</b><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=24% align=center colspan=2 valign=top><B>2003</B><hr noshade size=2 width=98%></td>
<td width=24% align=center colspan=2 valign=top><B>2002</B><hr noshade size=2 width=98%></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=center valign=top><B>Balance</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>Rate</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>Balance</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>Rate</B><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>INVESTMENT SECURITIES:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>


<tr>
<td width=46% align=left valign=top><b>Held to maturity:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>U.S. government agency securities </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;73,851</td>
<td width=12% align=right valign=top>2.92%</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;154,351</td>
<td width=12% align=right valign=top>5.36%</td>
</tr>

<tr>
<td width=46% align=left valign=top>U.S. government mortgage-backed securities</td>
<td width=12% align=right valign=top>8</td>
<td width=12% align=right valign=top>12.74%</td>
<td width=12% align=right valign=top>9</td>
<td width=12% align=right valign=top>20.18%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Corporate bonds </td>
<td width=12% align=right valign=top>2,779</td>
<td width=12% align=right valign=top>7.08%</td>
<td width=12% align=right valign=top>2,762</td>
<td width=12% align=right valign=top>7.18%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Time deposits at other banks </td>
<td width=12% align=right valign=top>200<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>1.22%</td>
<td width=12% align=right valign=top>-<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>-</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total investment securities held to maturity</td>
<td width=12% align=right valign=top>76,838</td>
<td width=12% align=right valign=top>3.07%</td>
<td width=12% align=right valign=top>157,122</td>
<td width=12% align=right valign=top>5.39%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>Available for sale (at fair value):</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>U.S. government agency securities </td>
<td width=12% align=right valign=top>38,775</td>
<td width=12% align=right valign=top>2.71%</td>
<td width=12% align=right valign=top>38,497</td>
<td width=12% align=right valign=top>3.62%</td>
</tr>

<tr>
<td width=46% align=left valign=top>U.S. government agency mortgage-backed securities</td>
<td width=12% align=right valign=top>172,794</td>
<td width=12% align=right valign=top>4.12%</td>
<td width=12% align=right valign=top>75,566</td>
<td width=12% align=right valign=top>4.99%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Collateralized mortgage obligations </td>
<td width=12% align=right valign=top>8,069</td>
<td width=12% align=right valign=top>3.96%</td>
<td width=12% align=right valign=top>-</td>
<td width=12% align=right valign=top>-</td>
</tr>

<tr>
<td width=46% align=left valign=top>Freddie Mac common stock </td>
<td width=12% align=right valign=top>609</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>734</td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Fannie Mae common stock </td>
<td width=12% align=right valign=top>26<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>29<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total investment securities available for sale</td>
<td width=12% align=right valign=top>220,273<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>3.85%</td>
<td width=12% align=right valign=top>114,826<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>4.50%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total investment securities </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;297,111</td>
<td width=12% align=right valign=top>3.65%</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;271,948</td>
<td width=12% align=right valign=top>5.01%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>LOANS HELD FOR INVESTMENT:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Single-family (1 to 4 units) </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;524,587</td>
<td width=12% align=right valign=top>5.64%</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;414,526</td>
<td width=12% align=right valign=top>6.76%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Multi-family (5 or more units) </td>
<td width=12% align=right valign=top>49,699</td>
<td width=12% align=right valign=top>5.94%</td>
<td width=12% align=right valign=top>35,436</td>
<td width=12% align=right valign=top>6.48%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Commercial real estate </td>
<td width=12% align=right valign=top>89,666</td>
<td width=12% align=right valign=top>6.75%</td>
<td width=12% align=right valign=top>62,509</td>
<td width=12% align=right valign=top>7.35%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Construction </td>
<td width=12% align=right valign=top>118,784</td>
<td width=12% align=right valign=top>5.95%</td>
<td width=12% align=right valign=top>72,233</td>
<td width=12% align=right valign=top>7.34%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Commercial business </td>
<td width=12% align=right valign=top>22,489</td>
<td width=12% align=right valign=top>6.96%</td>
<td width=12% align=right valign=top>24,024</td>
<td width=12% align=right valign=top>7.64%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Consumer </td>
<td width=12% align=right valign=top>9,576</td>
<td width=12% align=right valign=top>8.11%</td>
<td width=12% align=right valign=top>19,377</td>
<td width=12% align=right valign=top>8.15%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Other </td>
<td width=12% align=right valign=top>5,724<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>7.53%</td>
<td width=12% align=right valign=top>3,455<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>8.15%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total loans held for investment</td>
<td width=12% align=right valign=top>820,525</td>
<td width=12% align=right valign=top>5.90%</td>
<td width=12% align=right valign=top>631,560</td>
<td width=12% align=right valign=top>6.95%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Undisbursed loan funds </td>
<td width=12% align=right valign=top>(67,868)</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>(30,536)</td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Deferred loan fees</td>
<td width=12% align=right valign=top>602</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>(27)</td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Unearned discounts </td>
<td width=12% align=right valign=top>-</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>(14)</td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Impounds for taxes and insurance</td>
<td width=12% align=right valign=top>(1,664)</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>(850)</td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Allowance for loan losses </td>
<td width=12% align=right valign=top>(7,218)<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>(6,579)<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total loans held for investment, net </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;744,377</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;593,554</td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Purchased loans serviced by others included above</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;45,157</td>
<td width=12% align=right valign=top>6.50%</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;33,693</td>
<td width=12% align=right valign=top>7.17%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>DEPOSITS :</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Checking accounts - non-interest bearing </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;43,840</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;31,076</td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Checking accounts - interest bearing </td>
<td width=12% align=right valign=top>98,899</td>
<td width=12% align=right valign=top>0.77%</td>
<td width=12% align=right valign=top>94,084</td>
<td width=12% align=right valign=top>0.80%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Savings accounts</td>
<td width=12% align=right valign=top>272,715</td>
<td width=12% align=right valign=top>1.68%</td>
<td width=12% align=right valign=top>166,001</td>
<td width=12% align=right valign=top>2.24%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Money market accounts</td>
<td width=12% align=right valign=top>47,900</td>
<td width=12% align=right valign=top>1.39%</td>
<td width=12% align=right valign=top>49,690</td>
<td width=12% align=right valign=top>2.07%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Time deposits</td>
<td width=12% align=right valign=top>290,752<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>2.69%</td>
<td width=12% align=right valign=top>336,597<hr noshade size=1 width=100%></td>
<td width=12% align=right valign=top>3.85%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total deposits </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;754,106</td>
<td width=12% align=right valign=top>1.83%</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;677,448</td>
<td width=12% align=right valign=top>2.72%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top>Note:   The interest rate described in the rate column is the weighted-average interest rate of all instruments, which are included in the balance of the respective line item. </td>
</tr>
</table>

<br>
<p align=center><font size=2></p><hr>
<p align=center><b><font size="1">Page 12 of 13</b>
<font size="3"></p>
<br><br>

<P align=center><IMG SRC="image6.gif" WIDTH="249" HEIGHT="83"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<IMG SRC="image5.gif" WIDTH="164" HEIGHT="66"><br><hr noshade size=2 width=95%></p>

<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4><B>PROVIDENT FINANCIAL HOLDINGS, INC.<br><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Financial Highlights</B><br>(Unaudited - Dollars In Thousands)</P>

<table width=94% align=center>
<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=48% colspan=4 align=center valign=top><b>As of June 30,</b><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=24% align=center colspan=2 valign=top><B>2003</B><hr noshade size=2 width=98%></td>
<td width=24% align=center colspan=2 valign=top><B>2002</B><hr noshade size=2 width=98%></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=center valign=top><B>Balance</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>Rate</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>Balance</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>Rate</B><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top><b>BORROWINGS:</b></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Overnight </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;134,000</td>
<td width=12% align=right valign=top>1.36%</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;23,000</td>
<td width=12% align=right valign=top>2.01%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Six month or less </td>
<td width=12% align=right valign=top>7,031</td>
<td width=12% align=right valign=top>5.91%</td>
<td width=12% align=right valign=top>22,000</td>
<td width=12% align=right valign=top>6.54%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Over six months to one year</td>
<td width=12% align=right valign=top>11,000</td>
<td width=12% align=right valign=top>5.69%</td>
<td width=12% align=right valign=top>24,500</td>
<td width=12% align=right valign=top>6.28%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Over one year to two years</td>
<td width=12% align=right valign=top>30,000</td>
<td width=12% align=right valign=top>6.02%</td>
<td width=12% align=right valign=top>18,031</td>
<td width=12% align=right valign=top>5.78%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Over two years to three years </td>
<td width=12% align=right valign=top>27,000</td>
<td width=12% align=right valign=top>3.49%</td>
<td width=12% align=right valign=top>30,000</td>
<td width=12% align=right valign=top>6.02%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Over three years to four years</td>
<td width=12% align=right valign=top>--</td>
<td width=12% align=right valign=top>--</td>
<td width=12% align=right valign=top>10,000</td>
<td width=12% align=right valign=top>5.51%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Over four years to five years</td>
<td width=12% align=right valign=top>72,000</td>
<td width=12% align=right valign=top>3.76%</td>
<td width=12% align=right valign=top>--</td>
<td width=12% align=right valign=top>--</td>
</tr>

<tr>
<td width=46% align=left valign=top>Over five years</td>
<td width=12% align=right valign=top>86,907<hr noshade size=1 width=98%></td>
<td width=12% align=right valign=top>5.26%</td>
<td width=12% align=right valign=top>74,935<hr noshade size=1 width=98%></td>
<td width=12% align=right valign=top>5.73%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;&nbsp;&nbsp;Total borrowings</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;367,938</td>
<td width=12% align=right valign=top>3.50%</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;202,466</td>
<td width=12% align=right valign=top>5.50%</td>
</tr>
</table><br><br>

<table width=94% align=center>
<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=24% align=center colspan=2 valign=top><B>Quarter Ended<br>June 30,</B><hr noshade size=2 width=98%></td>
<td width=24% align=center colspan=2 valign=top><B>Year Ended<br>June 30,</B><hr noshade size=2 width=98%></td>
</tr>

<tr>
<td width=46% align=left valign=top><br><b>SELECTED AVERAGE BALANCE SHEETS:</b></td>
<td width=12% align=center valign=top><B>2003<br>Balance</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2002<br>Balance</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2003<br>Balance</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2002<br>Balance</B><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Loans receivable, net (1)</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;830,327</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;646,884</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;754,886</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;692,761</td>
</tr>

<tr>
<td width=46% align=left valign=top>Investment securities </td>
<td width=12% align=right valign=top>296,368</td>
<td width=12% align=right valign=top>243,901</td>
<td width=12% align=right valign=top>297,760</td>
<td width=12% align=right valign=top>232,781</td>
</tr>

<tr>
<td width=46% align=left valign=top>FHLB stock </td>
<td width=12% align=right valign=top>20,496</td>
<td width=12% align=right valign=top>13,477</td>
<td width=12% align=right valign=top>16,776</td>
<td width=12% align=right valign=top>15,006</td>
</tr>

<tr>
<td width=46% align=left valign=top>Interest earning deposits </td>
<td width=12% align=right valign=top>2,483<hr noshade size=1 width=95%></td>
<td width=12% align=right valign=top>68,763<hr noshade size=1 width=95%></td>
<td width=12% align=right valign=top>1,318<hr noshade size=1 width=95%></td>
<td width=12% align=right valign=top>71,484<hr noshade size=1 width=95%></td>
</tr>

<tr>
<td width=46% align=left valign=top>Total interest earning assets</td>
<td width=12% align=right valign=top>$&nbsp;1,149,674</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;973,025</td>
<td width=12% align=right valign=top>$&nbsp;1,070,740</td>
<td width=12% align=right valign=top>$&nbsp;1,012,032</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Deposits </td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;752,343</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;685,717</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;718,384</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;701,771</td>
</tr>

<tr>
<td width=46% align=left valign=top>Borrowings</td>
<td width=12% align=right valign=top>322,766<hr noshade size=1 width=95%></td>
<td width=12% align=right valign=top>212,688<hr noshade size=1 width=95%></td>
<td width=12% align=right valign=top>279,422<hr noshade size=1 width=95%></td>
<td width=12% align=right valign=top>236,967<hr noshade size=1 width=95%></td>
</tr>

<tr>
<td width=46% align=left valign=top>Total interest bearing liabilities</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;1,075,109</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;898,405</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;997,806</td>
<td width=12% align=right valign=top>$&nbsp;&nbsp;&nbsp;&nbsp;938,738</td>
</tr>
</table><br><br>


<table width=94% align=center>
<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=24% align=center colspan=2 valign=top><B>Quarter Ended<br>June 30,</B><hr noshade size=2 width=98%></td>
<td width=24% align=center colspan=2 valign=top><B>Year Ended<br>June 30,</B><hr noshade size=2 width=98%></td>
</tr>

<tr>
<td width=46% align=left valign=top></td>
<td width=12% align=center valign=top><B>2003<br>Yield/Cost</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2002<br>Yield/Cost</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2003<br>Yield/Cost</B><hr noshade size=2 width=100%></td>
<td width=12% align=center valign=top><B>2002<br>Yield/Cost</B><hr noshade size=2 width=100%></td>
</tr>

<tr>
<td width=46% align=left valign=top>Loans receivable, net (1) </td>
<td width=12% align=right valign=top>6.11%</td>
<td width=12% align=right valign=top>7.22%</td>
<td width=12% align=right valign=top>6.53%</td>
<td width=12% align=right valign=top>7.40%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Investment securities </td>
<td width=12% align=right valign=top>2.92%</td>
<td width=12% align=right valign=top>4.56%</td>
<td width=12% align=right valign=top>3.25%</td>
<td width=12% align=right valign=top>5.21%</td>
</tr>

<tr>
<td width=46% align=left valign=top>FHLB stock</td>
<td width=12% align=right valign=top>4.22%</td>
<td width=12% align=right valign=top>5.94%</td>
<td width=12% align=right valign=top>5.03%</td>
<td width=12% align=right valign=top>5.19%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Interest earning deposits</td>
<td width=12% align=right valign=top>1.13%</td>
<td width=12% align=right valign=top>1.75%</td>
<td width=12% align=right valign=top>1.29%</td>
<td width=12% align=right valign=top>2.13%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Total interest earning assets</td>
<td width=12% align=right valign=top>5.24%</td>
<td width=12% align=right valign=top>6.15%</td>
<td width=12% align=right valign=top>5.59%</td>
<td width=12% align=right valign=top>6.49%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=46% align=left valign=top>Deposits </td>
<td width=12% align=right valign=top>1.95%</td>
<td width=12% align=right valign=top>2.83%</td>
<td width=12% align=right valign=top>2.26%</td>
<td width=12% align=right valign=top>3.43%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Borrowings</td>
<td width=12% align=right valign=top>3.78%</td>
<td width=12% align=right valign=top>6.72%</td>
<td width=12% align=right valign=top>4.35%</td>
<td width=12% align=right valign=top>6.39%</td>
</tr>

<tr>
<td width=46% align=left valign=top>Total interest bearing liabilities</td>
<td width=12% align=right valign=top>2.50%</td>
<td width=12% align=right valign=top>3.75%</td>
<td width=12% align=right valign=top>2.85%</td>
<td width=12% align=right valign=top>4.17%</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top>(1) Includes loans held for sale.</td>
</tr>

<tr>
<td width=46% align=left valign=top>&nbsp;</td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
<td width=12% align=right valign=top></td>
</tr>

<tr>
<td width=94% colspan=5 align=left valign=top>Note: The interest rate or yield/cost described in the rate or yield/cost column is the weighted-average interest rate or yield/cost of all instruments, which are included in the balance of the respective line item. </td>
</tr>
</table>

<br><br><br>
<p align=center><font size=2></p><hr>
<p align=center><b><font size="1">Page 13 of 13</b>
<font size="3"></p>
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`
end

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
