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Provident Financial Holdings, Inc. Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Interest income:    
Loans receivable, net $ 9,490 $ 9,195
Investment securities 67 76
FHLB – San Francisco stock 200 144
Interest-earning deposits 100 94
Total interest income 9,857 9,509
Interest expense:    
Checking and money market deposits 117 104
Savings deposits 168 157
Time deposits 858 976
Borrowings 648 335
Total interest expense 1,791 1,572
Net interest income 8,066 7,937
Recovery from the allowance for loan losses (38) (818)
Net interest income, after recovery from the allowance for loan losses 8,104 8,755
Non-interest income:    
Loan servicing and other fees 111 268
Gain on sale of loans, net 8,924 7,652
Deposit account fees 610 626
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net 229 (19)
Card and processing fees 362 356
Other 213 227
Total non-interest income 10,449 9,110
Non-interest expense:    
Salaries and employee benefits 10,792 9,581
Premises and occupancy 1,108 1,348
Equipment 379 472
Professional expenses 500 464
Sales and marketing expenses 262 331
Deposit insurance premiums and regulatory assessments 262 273
Other 1,057 1,270
Total non-interest expense 14,360 13,739
Income before income taxes 4,193 4,126
Provision for income taxes 1,750 1,736
Net income $ 2,443 $ 2,390
Basic earnings per share $ 0.29 $ 0.26
Diluted earnings per share 0.28 0.25
Cash dividends per share $ 0.12 $ 0.11