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Note 4: Operating Segment Reports: Schedule of Segment Reporting Information, by Segment (Tables)

3 Months Ended

Dec. 31, 2012

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.

- 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.

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