Provident Financial Holdings, Inc. Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net income	$ 3,425	$ 4,718
Adjustments to reconcile net income to net cash provided by (used for) operating activities:
Depreciation and amortization	861	1,041
Recovery from the allowance for loan losses	(400)	(1,172)
Unrealized gain on real estate owned	(97)	(17)
Gain on sale of loans, net	(14,968)	(15,694)
Gain on sale of real estate owned, net	(187)	(6)
Stock-based compensation	549	537
(Benefit) provision for deferred income taxes	(646)	1,294
Tax effect from stock based compensation	(15)	16
(Decrease) increase in accounts payable and other liabilities	(182)	302
Increase in prepaid expenses and other assets	(418)	(258)
Loans originated for sale	(1,012,792)	(1,079,427)
Proceeds from sale of loans	1,079,764	1,025,890
Net cash provided by (used for) operating activities	54,894	(62,776)
Cash flows from investing activities:
Increase in loans held for investment, net	(4,980)	(26,544)
Principal payments from investment securities available for sale	1,347	1,297
Purchase of investment securities held to maturity	(10,166)	0
Purchase of investment securities available for sale	0	(250)
Proceeds from sale of real estate owned	2,592	883
Purchase of premises and equipment	(200)	(267)
Net cash used for investing activities	(11,407)	(24,881)
Cash flows from financing activities:
(Decrease) increase in deposits, net	(6,337)	7,642
Repayments of long-term borrowings	(33)	(31)
Exercise of stock options	148	14
Tax effect from stock based compensation	15	(16)
Cash dividends	(2,041)	(2,028)
Treasury stock purchases	(5,283)	(4,783)
Net cash (used for) provided by financing activities	(13,531)	798
Net increase (decrease) in cash and cash equivalents	29,956	(86,859)
Cash and cash equivalents at beginning of period	81,403	118,937
Cash and cash equivalents at end of period	111,359	32,078
Supplemental information:
Cash paid for interest	3,581	3,129
Cash paid for income taxes	3,045	2,175
Transfer of loans held for sale to held for investment	2,083	1,762
Real estate acquired in the settlement of loans	$ 4,231	$ 2,292

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The cash inflow from proceeds From Sales of Wholly Owned Real Estate and Real Estate Acquired in Settlement of Loans.

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Amount of expense related to loss from loan transactions.

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Amount of real estate investments acquired through foreclosure for entities with a substantial portion of business acquiring and holding investment real estate.

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The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer.

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Value of stock issued as a result of the exercise of stock options.

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Value of loans held-for-sale transferred to loans held in the entity's portfolio in noncash transactions.

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