PROVIDENT FINANCIAL HOLDINGS INC
For the period ended Mar 31, 2024. Filed May 8, 2024.
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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.
Mar 31, 2024 · Filed May 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.
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Table of Contents
| PART 1 - | FINANCIAL INFORMATION | Page |
|---|---|---|
| | | |
| 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: | |
| | | |
| | Condensed Consolidated Statements of Financial Conditionas of March 31, 2024 and June 30, 2023 | 1 |
| | Condensed Consolidated Statements of Operationsfor the Quarters and Nine Months Ended March 31, 2024 and 2023 | 2 |
| | Condensed Consolidated Statements of Comprehensive Incomefor the Quarters and Nine Months Ended March 31, 2024 and 2023 | 3 |
| | Condensed Consolidated Statements of Stockholders’ Equityfor the Quarters and Nine Months Ended March 31, 2024 and 2023 | 4 |
| | Condensed Consolidated Statements of Cash Flowsfor the Nine Months Ended March 31, 2024 and 2023 | 6 |
| | Notes to Unaudited Interim Condensed Consolidated Financial Statements | 7 |
| | | |
| ITEM 2 - | Management’s Discussion and Analysis of Financial Condition and Results of Operations: | |
| | | |
| | General | 40 |
| | Safe-Harbor Statement | 41 |
| | Critical Accounting Estimates | 41 |
| | Executive Summary and Operating Strategy | 42 |
| | Commitments and Derivative Financial Instruments | 43 |
| | Comparison of Financial Condition at March 31, 2024 and June 30, 2023 | 43 |
| | Comparison of Operating Results for the Quarters and Nine Months Ended March 31, 2024 and 2023 | 45 |
| | Asset Quality | 54 |
| | Loan Volume Activities | 56 |
| | Liquidity and Capital Resources | 56 |
| | Supplemental Information | 58 |
| | | |
| ITEM 3 - | Quantitative and Qualitative Disclosures about Market Risk | 58 |
| | | |
| ITEM 4 - | Controls and Procedures | 63 |
| | | |
| PART II - | OTHER INFORMATION | |
| | | |
| ITEM 1 - | Legal Proceedings | 63 |
| ITEM 1A - | Risk Factors | 64 |
| ITEM 2 - | Unregistered Sales of Equity Securities and Use of Proceeds | 64 |
| ITEM 3 - | Defaults Upon Senior Securities | 64 |
| ITEM 4 - | Mine Safety Disclosures | 64 |
| ITEM 5 - | Other Information | 64 |
| ITEM 6 - | Exhibits | 65 |
| | | |
| SIGNATURES | 66 | |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.