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Midas Edge

PROVIDENT FINANCIAL HOLDINGS INC

For the period ended Dec 31, 2023. Filed Feb 8, 2024.

View on SEC.gov

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Dec 31, 2023 · Filed Feb 8, 2024

PROV$18.20+0.1%Stored close · as of Nov 6, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits
Contents

Table of Contents

PART 1 -FINANCIAL INFORMATIONPage
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ITEM 1 -Financial Statements. The Unaudited Interim Condensed Consolidated Financial Statements ofProvident Financial Holdings, Inc. filed as a part of the report are as follows:
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​Condensed Consolidated Statements of Financial Conditionas of December 31, 2023 and June 30, 20231
​Condensed Consolidated Statements of Operationsfor the Quarters and Six Months Ended December 31, 2023 and 20222
​Condensed Consolidated Statements of Comprehensive Incomefor the Quarters and Six Months Ended December 31, 2023 and 20223
​Condensed Consolidated Statements of Stockholders’ Equityfor the Quarters and Six Months Ended December 31, 2023 and 20224
​Condensed Consolidated Statements of Cash Flowsfor the Six Months Ended December 31, 2023 and 20226
​Notes to Unaudited Interim Condensed Consolidated Financial Statements7
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ITEM 2 -Management’s Discussion and Analysis of Financial Condition and Results of Operations:
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​General37
​Safe-Harbor Statement38
​Critical Accounting Estimates38
​Executive Summary and Operating Strategy39
​Commitments and Derivative Financial Instruments39
​Comparison of Financial Condition at December 31, 2023 and June 30, 202340
​Comparison of Operating Results for the Quarters and Six Months Ended December 31, 2023 and 202241
​Asset Quality51
​Loan Volume Activities53
​Liquidity and Capital Resources53
​Supplemental Information55
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ITEM 3 -Quantitative and Qualitative Disclosures about Market Risk56
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ITEM 4 -Controls and Procedures60
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PART II -OTHER INFORMATION
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ITEM 1 -Legal Proceedings60
ITEM 1A -Risk Factors61
ITEM 2 -Unregistered Sales of Equity Securities and Use of Proceeds61
ITEM 3 -Defaults Upon Senior Securities61
ITEM 4 -Mine Safety Disclosures61
ITEM 5 -Other Information61
ITEM 6 -Exhibits62
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SIGNATURES63
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.