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Note 4: Operating Segment Reports: Schedule of Segment Reporting Information, by Segment (Tables) | 3 Months Ended
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Dec. 31, 2012
Tables/Schedules |
Schedule of Segment Reporting Information, by Segment |
| For the Quarter Ended December 31, 2012
|  | Provident |
| Provident | Bank | Consolidated
| Bank | Mortgage | Totals
Net interest income, before provision for loan losses | $7,144 |  | $1,628 |  | $8,772 |
(Recovery) provision for loan losses | (35) |  | 58 |  | 23 |
Net interest income, after (recovery) provision for loan losses | 7,179 |  | 1,570 |  | 8,749 |
Non-interest income: |  |  |  |  |  |
Loan servicing and other fees (1) | 347 |  | 35 |  | 382 |
(Loss) gain on sale of loans, net (2) | (37) |  | 17,915 |  | 17,878 |
Deposit account fees | 617 |  | - |  | 617 |
Gain on sale and operations of real estate |  |  |  |  |  |
owned acquired in the settlement of loans, net | 587 |  | 8 |  | 595 |
Card and processing fees | 315 |  | - |  | 315 |
Other | 248 |  | - |  | 248 |
Total non-interest income | 2,077 |  | 17,958 |  | 20,035 |
Non-interest expense: |  |  |  |  |  |
Salaries and employee benefits | 4,239 |  | 8,432 |  | 12,671 |
Premises and occupancy | 668 |  | 432 |  | 1,100 |
Operating and administrative expenses | 1,109 |  | 1,889 |  | 2,998 |
Total non-interest expense | 6,016 |  | 10,753 |  | 16,769 |
Income before income taxes | 3,240 |  | 8,775 |  | 12,015 |
Provision for income taxes | 1,386 |  | 3,689 |  | 5,075 |
Net income | $1,854 |  | $5,086 |  | $6,940 |
Total assets, end of period | $959,612 |  | $288,718 |  | $1,248,330 |
| For the Quarter Ended December 31, 2011
|  | Provident |
| Provident | Bank | Consolidated
| Bank | Mortgage | Totals
Net interest income, before provision for loan losses | $7,640 |  | $1,866 |  | $9,506 |
Provision for loan losses | 1,082 |  | 50 |  | 1,132 |
Net interest income after provision for loan losses … | 6,558 |  | 1,816 |  | 8,374 |
Non-interest income: |  |  |  |  |  |
Loan servicing and other fees(3) | 160 |  | 16 |  | 176 |
(Loss) gain on sale of loans, net (4) | (626) |  | 6,523 |  | 5,897 |
Deposit account fees | 626 |  | - |  | 626 |
Gain on sale and operations of real estate |  |  |  |  |  |
owned acquired in the settlement of loans, net | 69 |  | 8 |  | 77 |
Card and processing fees | 309 |  | - |  | 309 |
Other | 228 |  | - |  | 228 |
Total non-interest income | 766 |  | 6,547 |  | 7,313 |
Non-interest expense: |  |  |  |  |  |
Salaries and employee benefits | 3,264 |  | 5,116 |  | 8,380 |
Premises and occupancy | 676 |  | 280 |  | 956 |
Operating and administrative expenses | 1,417 |  | 1,721 |  | 3,138 |
Total non-interest expense | 5,357 |  | 7,117 |  | 12,474 |
Income before income taxes | 1,967 |  | 1,246 |  | 3,213 |
Provision for income taxes | 835 |  | 524 |  | 1,359 |
Net income | $1,132 |  | $722 |  | $1,854 |
Total assets, end of period | $1,076,170 |  | $221,564 |  | $1,297,734 |
| For the Six Months Ended December 31, 2012
|  | Provident |
| Provident | Bank | Consolidated
| Bank | Mortgage | Totals
Net interest income, before provision for loan losses | $14,477 |  | $3,231 |  | $17,708 |
Provision (recovery) for loan losses | 820 |  | (264) |  | 556 |
Net interest income, after provision (recovery) for loan losses | 13,657 |  | 3,495 |  | 17,152 |
Non-interest income: |  |  |  |  |  |
Loan servicing and other fees (5) | 650 |  | 70 |  | 720 |
(Loss) gain on sale of loans, net (6) | (8) |  | 38,481 |  | 38,473 |
Deposit account fees | 1,240 |  | - |  | 1,240 |
Gain on sale and operations of real estate |  |  |  |  |  |
owned acquired in the settlement of loans, net | 661 |  | 7 |  | 668 |
Card and processing fees | 636 |  | - |  | 636 |
Other | 457 |  | - |  | 457 |
Total non-interest income | 3,636 |  | 38,558 |  | 42,194 |
Non-interest expense: |  |  |  |  |  |
Salaries and employee benefits | 8,996 |  | 16,860 |  | 25,856 |
Premises and occupancy | 1,408 |  | 842 |  | 2,250 |
Operating and administrative expenses | 2,280 |  | 3,709 |  | 5,989 |
Total non-interest expense | 12,684 |  | 21,411 |  | 34,095 |
Income before taxes | 4,609 |  | 20,642 |  | 25,251 |
Provision for income taxes | 902 |  | 8,679 |  | 9,581 |
Net income | $3,707 |  | $11,963 |  | $15,670 |
Total assets, end of period | $959,612 |  | $288,718 |  | $1,248,330 |
| For the Six Months Ended December 31, 2011
|  | Provident |
| Provident | Bank | Consolidated
| Bank | Mortgage | Totals
Net interest income, before provision for loan losses | $15,198 |  | $3,106 |  | $18,304 |
Provision for loan losses | 1,791 |  | 313 |  | 2,104 |
Net interest income, after provision for loan losses | 13,407 |  | 2,793 |  | 16,200 |
Non-interest income: |  |  |  |  |  |
Loan servicing and other fees (7) | 279 |  | 29 |  | 308 |
(Loss) gain on sale of loans, net (8) | (619) |  | 13,792 |  | 13,173 |
Deposit account fees | 1,229 |  | - |  | 1,229 |
Gain on sale and operations of real estate |  |  |  |  |  |
owned acquired in the settlement of loans, net | 37 |  | 72 |  | 109 |
Card and processing fees | 640 |  | - |  | 640 |
Other | 402 |  | - |  | 402 |
Total non-interest income | 1,968 |  | 13,893 |  | 15,861 |
Non-interest expense: |  |  |  |  |  |
Salaries and employee benefits | 7,453 |  | 9,781 |  | 17,234 |
Premises and occupancy | 1,273 |  | 555 |  | 1,828 |
Operating and administrative expenses | 2,357 |  | 3,358 |  | 5,715 |
Total non-interest expense | 11,083 |  | 13,694 |  | 24,777 |
Income before taxes | 4,292 |  | 2,992 |  | 7,284 |
Provision for income taxes | 1,854 |  | 1,258 |  | 3,112 |
Net income | $2,438 |  | $1,734 |  | $4,172 |
Total assets, end of period | $1,076,170 |  | $221,564 |  | $1,297,734 |
(1) Includes an inter-company charge of $11 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment. (2) Includes an inter-company charge of $25 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. (3) There was no inter-company charge credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment (4) Includes an inter-company charge of $26 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. (5) There an inter-company charge of $27 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment (6) Includes an inter-company charge of $66 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. (7) There was no inter-company charge credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment (8) Includes an inter-company charge of $59 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8736-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8813-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 350 -SubTopic 20 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=14024403&loc=d3e13816-109267 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 131 -Paragraph 27, 28 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 21 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8721-108599 + Details
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