Provident Financial Holdings, Inc. Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities:
Net income	$ 2,443	$ 2,390
Adjustments to reconcile net income to net cash provided by (used for) operating activities:
Depreciation and amortization	307	611
Recovery from the allowance for loan losses	(38)	(818)
Unrealized gain on real estate owned	(161)	(17)
Gain on sale of loans, net	(8,924)	(7,652)
(Gain) loss on sale of real estate owned, net	(30)	9
Stock-based compensation	289	143
(Benefit) provision for deferred income taxes	(632)	176
Tax effect from stock based compensation	(1)	16
Increase (decrease) in accounts payable and other liabilities	1,617	(366)
Decrease in prepaid expenses and other assets	1,711	1,852
Loans originated for sale	(540,289)	(513,770)
Proceeds from sale of loans	613,940	498,413
Net cash provided by (used for) operating activities	70,232	(19,013)
Cash flows from investing activities:
Decrease (increase) in loans held for investment, net	7,289	(16,774)
Principal payments from investment securities available for sale	650	780
Purchase of investment securities available for sale	0	(250)
Proceeds from sale of real estate owned	463	502
Purchase of premises and equipment	(71)	(168)
Net cash provided by (used for) investing activities	8,331	(15,910)
Cash flows from financing activities:
Increase in deposits, net	780	4,562
Repayments of long-term borrowings	(16)	(15)
Exercise of stock options	96	14
Tax effect from stock based compensation	1	(16)
Cash dividends	(1,032)	(1,023)
Treasury stock purchases	(3,649)	(2,398)
Net cash (used for) provided by financing activities	(3,820)	1,124
Net increase (decrease) in cash and cash equivalents	74,743	(33,799)
Cash and cash equivalents at beginning of period	81,403	118,937
Cash and cash equivalents at end of period	156,146	85,138
Supplemental information:
Cash paid for interest	1,788	1,562
Cash paid for income taxes	0	0
Transfer of loans held for sale to held for investment	1,552	678
Real estate acquired in the settlement of loans	$ 1,006	$ 927

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- Definition

Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.