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Provident Financial Holdings, Inc. Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
6 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Cash flows from operating activities:    
Net income $ 15,670 $ 4,172
Adjustments to reconcile net income to net cash (used for) operating activities:    
Depreciation and amortization 848 792
Provision for loan losses 556 2,104
(Recovery) provision of losses on real estate owned (118) (673)
Gain on sale of loans, net (38,473) (13,173)
(Gain) loss on sale of real estate owned, net (746) 135
Stock-based compensation 239 833
(Increase) decrease in current and deferred income taxes (1,835) 2,193
Tax benefit from non-qualified equity compensation (71)  
Increase in cash surrender value of bank owned life insurance (95) (95)
Increase in accounts payable and other liabilities 2,684 1,680
(Increase) decrease in prepaid expenses and other assets (1,177) 524
Loans originated for sale (1,869,290) (1,197,004)
Proceeds from sale of loans 1,844,726 1,177,706
Net cash used for operating activities (47,082) (20,806)
Cash flows from investing activities:    
Decrease in loans held for investment, net 18,876 25,527
Principal payments from investment securities available for sale 1,667 1,983
Redemption of FHLB - San Francisco stock 3,106 2,391
Proceeds from sales of real estate owned 9,365 9,143
Purchase of premises and equipment (399) (1,552)
Net cash provided by investing activities 32,615 37,492
Cash flows from financing activities:    
(Decrease) increase in deposits, net (26,205) 8,089
Repayments of long-term borrowings (27) (30,025)
Exercise of stock options 197  
Tax benefit from non-qualified equity compensation 71  
Cash dividends paid (1,075) (686)
Treasury stock purchases (3,996) (3,107)
Net cash used for financing activities (31,035) (25,729)
Net decrease in cash and cash equivalents (45,502) (9,043)
Cash and cash equivalents at beginning of year 145,136 142,550
Cash and cash equivalents at end of year 99,634 133,507
Supplemental information:    
Cash paid for interest 5,750 8,292
Cash paid for income taxes 11,345 900
Transfer of loans held for sale to loans held for investment 1,881 1,336
Real estate owned acquired in the settlement of loans $ 6,776 $ 12,085