PROVIDENT FINANCIAL HOLDINGS INC

For the period ended Jun 30, 2024. Filed Aug 30, 2024.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2024 · Filed Aug 30, 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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Contents

· Page
PART I · ·
Item 1.	Business:	1
	General	1
	Subsequent Events	1
	Market Area	2
	Competition	2
	Reportable Segments	3
	Internet Website	3
	Lending Activities	3
	Loan Servicing	12
	Asset Quality	13
	Investment Securities Activities	19
	Deposit Activities and Other Sources of Funds	21
	Subsidiary Activities	25
	Regulation	26
	Taxation	34
	Employees and Human Capital	35
	Executive Officers	36
Item 1A.	Risk Factors	37
Item 1B.	Unresolved Staff Comments	47
Item 1C.	Cybersecurity	47
Item 2.	Properties	48
Item 3.	Legal Proceedings	48
Item 4.	Mine Safety Disclosures	49

PART II
Item 5.	Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	49
Item 6.	[Reserved]	50
Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations:	51
	General	52
	Critical Accounting Estimates	52
	Executive Summary and Operating Strategy	53
	Comparison of Financial Condition at June 30, 2024 and 2023	54
	Comparison of Operating Results for the Fiscal Years Ended June 30, 2024 and 2023	55
	Average Balances, Interest and Average Yields/Costs	59
	Rate/Volume Variance	60
	Liquidity and Capital Resources	60
	Impact of New Accounting Pronouncements	62
Item 7A.	Quantitative and Qualitative Disclosures about Market Risk	62
Item 8.	Financial Statements and Supplementary Data	66
Item 9.	Changes in and Disagreements With Accountants on Accounting and Financial Disclosure	66
Item 9A.	Controls and Procedures	66
Item 9B.	Other Information	68
Item 9C.	Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	68

PART III
Item 10.	Directors, Executive Officers and Corporate Governance	68
Item 11.	Executive Compensation	69
Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	69
Item 13.	Certain Relationships and Related Transactions, and Director Independence	70
Item 14.	Principal Accountant Fees and Services	70

PART IV
Item 15.	Exhibits and Financial Statement Schedules	71

Signatures		74

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.

About this filing

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