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Provident Financial Holdings, Inc. Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2015
Dec. 31, 2014
Interest income:        
Loans receivable, net $ 8,979 $ 9,376 $ 18,469 $ 18,571
Investment securities 71 72 138 148
FHLB – San Francisco stock 179 132 379 276
Interest-earning deposits 134 76 234 170
Total interest income 9,363 9,656 19,220 19,165
Interest expense:        
Checking and money market deposits 122 110 239 214
Savings deposits 169 160 337 317
Time deposits 835 940 1,693 1,916
Borrowings 648 336 1,296 671
Total interest expense 1,774 1,546 3,565 3,118
Net interest income 7,589 8,110 15,655 16,047
Recovery from the allowance for loan losses (362) (354) (400) (1,172)
Net interest income, after recovery from the allowance for loan losses 7,951 8,464 16,055 17,219
Non-interest income:        
Loan servicing and other fees 306 291 417 559
Gain on sale of loans, net 6,044 8,042 14,968 15,694
Deposit account fees 590 604 1,200 1,230
Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net 35 (51) 264 (70)
Card and processing fees 352 336 714 692
Other 271 275 484 502
Total non-interest income 7,598 9,497 18,047 18,607
Non-interest expense:        
Salaries and employee benefits 9,971 9,950 20,763 19,531
Premises and occupancy 1,170 1,150 2,278 2,498
Equipment 430 414 809 886
Professional expenses 472 493 972 957
Sales and marketing expenses 334 399 596 730
Deposit insurance premiums and regulatory assessments 250 238 512 511
Other 1,232 1,268 2,289 2,538
Total non-interest expense 13,859 13,912 28,219 27,651
Income before income taxes 1,690 4,049 5,883 8,175
Provision for income taxes 708 1,721 2,458 3,457
Net income $ 982 $ 2,328 $ 3,425 $ 4,718
Basic earnings per share $ 0.12 $ 0.26 $ 0.40 $ 0.51
Diluted earnings per share 0.11 0.25 0.39 0.50
Cash dividends per share $ 0.12 $ 0.11 $ 0.24 $ 0.22