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Provident Financial Holdings, Inc. Condensed Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Interest income:    
Loans receivable, net $ 9,195 $ 9,706
Investment securities 76 92
FHLB – San Francisco stock 144 208
Interest-earning deposits 94 110
Total interest income 9,509 10,116
Interest expense:    
Checking and money market deposits 104 102
Savings deposits 157 147
Time deposits 976 1,263
Borrowings 335 643
Total interest expense 1,572 2,155
Net interest income 7,937 7,961
Recovery from the allowance for loan losses (818) (942)
Net interest income, after recovery from the allowance for loan losses 8,755 8,903
Non-interest income:    
Loan servicing and other fees 268 195
Gain on sale of loans, net 7,652 6,754
Deposit account fees 626 621
(Loss) gain on sale and operations of real estate owned acquired in the settlement of loans, net (19) 52
Card and processing fees 356 344
Other 227 217
Total non-interest income 9,110 8,183
Non-interest expense:    
Salaries and employee benefits 9,581 10,452
Premises and occupancy 1,348 1,159
Equipment 472 480
Professional expenses 464 424
Sales and marketing expenses 331 415
Deposit insurance premiums and regulatory assessments 273 214
Other 1,270 1,386
Total non-interest expense 13,739 14,530
Income before income taxes 4,126 2,556
Provision for income taxes 1,736 1,043
Net income $ 2,390 $ 1,513
Basic earnings per share (in dollars per share) $ 0.26 $ 0.15
Diluted earnings per share (in dollars per share) $ 0.25 $ 0.14
Cash dividends per share (in dollars per share) $ 0.11 $ 0.1