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Provident Financial Holdings, Inc. Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Interest income:        
Loans receivable, net $ 9,204 $ 9,689 $ 27,673 $ 28,260
Investment securities 96 70 234 218
FHLB – San Francisco stock 163 126 542 402
Interest-earning deposits 183 52 417 222
Total interest income 9,646 9,937 28,866 29,102
Interest expense:        
Checking and money market deposits 116 101 355 315
Savings deposits 170 160 507 477
Time deposits 807 910 2,500 2,826
Borrowings 641 388 1,937 1,059
Total interest expense 1,734 1,559 5,299 4,677
Net interest income 7,912 8,378 23,567 24,425
Recovery from the allowance for loan losses (694) (111) (1,094) (1,283)
Net interest income, after recovery from the allowance for loan losses 8,606 8,489 24,661 25,708
Non-interest income:        
Loan servicing and other fees 383 264 800 823
Gain on sale of loans, net 7,145 9,754 22,113 25,448
Deposit account fees 590 607 1,790 1,837
(Loss) gain on sale and operations of real estate owned acquired in the settlement of loans, net (276) 58 (12) (12)
Card and processing fees 355 338 1,069 1,030
Other 227 248 711 750
Total non-interest income 8,424 11,269 26,471 29,876
Non-interest expense:        
Salaries and employee benefits 10,630 10,950 31,393 30,481
Premises and occupancy 1,146 1,106 3,424 3,604
Equipment 349 420 1,158 1,306
Professional expenses 583 671 1,555 1,628
Sales and marketing expenses 356 458 952 1,188
Deposit insurance premiums and regulatory assessments 252 227 764 738
Other 1,169 1,336 3,458 3,874
Total non-interest expense 14,485 15,168 42,704 42,819
Income before income taxes 2,545 4,590 8,428 12,765
Provision for income taxes 1,051 1,990 3,509 5,447
Net income $ 1,494 $ 2,600 $ 4,919 $ 7,318
Basic earnings per share $ 0.18 $ 0.29 $ 0.58 $ 0.80
Diluted earnings per share 0.18 0.29 0.57 0.79
Cash dividends per share $ 0.12 $ 0.11 $ 0.36 $ 0.33