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Provident Financial Holdings, Inc. Condensed Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, except Per Share data
3 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Interest income:  
Loans receivable, net$ 12,749$ 15,561
Investment securities147241
FHLB - San Francisco stock18[1]36[1]
Interest-earning deposits9765
Total interest income13,01115,903
Interest expense:  
Checking and money market deposits200305
Savings deposits225340
Time deposits1,9062,184
Borrowings1,8823,262
Total interest expense4,2136,091
Net interest income, before provision for loan losses8,7989,812
Provision for loan losses972877
Net interest income, after provision for loan losses7,8268,935
Non-interest income:  
Loan servicing and other fees132124
Gain on sale of loans, net7,2769,447
Deposit account fees603629
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net32(368)
Card and processing fees331[2]316[2]
Other non-interest income174187
Total non-interest income8,54810,335
Non-interest expenses:  
Salaries and employee benefits8,8547,377
Premises and occupancy872820
Equipment expense314325
Professional expenses433383
Sales and marketing expenses199134
Deposit insurance premiums and regulatory assessments171[3]681[3]
Other non-interest expense1,4601,490
Total non-interest expense12,30311,210
Income before taxes4,0718,060
Provision for income taxes1,7533,531
Net income$ 2,318$ 4,529
Basic earnings per share$ 0.20$ 0.40
Diluted earnings per share$ 0.20$ 0.40
Cash dividends per share$ 0.03$ 0.01
[1]Includes dividends received on FHLB Stock.
[2]Includes Debit Card transaction fees.
[3]Includes regulatory assessments.