Provident Financial Holdings, Inc. · NASDAQ:PROV

Provident Financial — Shareholder Meeting (November 2009)

11 slides from Provident Financial's shareholder meeting presentation, Nov 25, 2009

  1. Slide 1: Annual Meeting of Shareholders November 24, 2009

    Annual Meeting of Shareholders 7 November 24, 2009 wi PROVW/DENT 2%. Provident Financial Holdings, Inc.

  2. Slide 2: Fiscal 2009 Highlights

    PROVIDENT 22h. + Fiscal 2009 Highlights ¥ Net loss of $(7.4) million or EPS of negative $(1.20) per share. v Sixth largest deposit market share in Riverside - San Bernardino according to deposit data released by the FDIC. ¥ Bank capital is significantly above regulatory defined “Well-Capitalized” le

  3. Slide 3: Subsequent Events

    PROW/DENT23. + Subsequent Events ¥ Announced a quarterly cash dividend of $0.01 per share in July 2009 and October 2009. ¥ Opened a new Provident Bank Mortgage office at Indiana Avenue, Riverside. ¥ Filed a registration statement with the Securities and Exchange Commission for a proposed public offe

  4. Slide 4: Net Income

    Net Income PROW/DENT 2%. Provident Financial Holdings, Inc. $26,000 $20,000 $16,000 $10,000 $6,000 $0 -$5,000 -$10,000 Net Income (Loss) (In Thousands) FY2005 Fy2006 FY 2007 Fy 2008 FY 2009 Net Incame (Loss) $17,806 $19,636 $10,481 $860 -$7 439

  5. Slide 5: Diluted Earnings Per Share

    a Diluted Earnings Per Share PROVIDENT2%. Provident Financial Holdings, Inc. Diluted Eamings (Loss) Per Share (EPS) $8.00 2.00 $1.00 $0.00 -$1.00 -2.0 FY2005 FY2006 FY2007 Fy2009 DiutedEPS $249 2.82 $1.57 $120

  6. Slide 6: Return on Stockholders' Equity

    PROVIDENT 2. Provident Financial Holdings, Inc. Return on Stockholders’ Equity Retum On Average Stockholders’ Equity (ROE) 20.00% 15.00% 10.00% 5.00% oy 0.00% —— -10.00% FY2006 Fy2006 FY2007 Fy2008 Fy2009 ROE 15.33% 16.02% TIT % 068% 6.20%

  7. Slide 7: Total Assets

    Total Assets PROVIDENT2%. Provident Financial Holdings, Inc. Total Assets (In Millions) $2,000 $1,500 $1,000 $500 06802005 06/30/2006 06802007 06/30/2008 0830/2009 [Tctal Assets $1635 $164 $1 649 $1,632 $1,580

  8. Slide 8: Loans Held For Investment

    PROVIDENT2%. Provident Financial Holdings, Inc. Loans Held For Investment Loans Held For Investment, Net (In Millions) $1,600 $1400 $1,200 $1,000 $800 $000 $400 O6/30/2005 | 06/30/2006 | 06/30/2007 | 06/30/2008 | 06/30/2009 Loans Held For Irvestment, Net $1,134 $1,265 $1,351 $1,368 $1,166

  9. Slide 9: Total Deposits

    Total Deposits PROVIDENT2%. Provident Financial Holdings, Inc. Deposits (In Millions) $1,200 $1,000 $800 $600 $400 06/30/2005 06/30/2008 O6/30/DO7 06/30/2008. 08302008 Deposits $924 $921 $1,001 $1,012 $989

  10. Slide 10: Stock Performance

    PROW/DENT2. Provident Financial Holdings, Inc. Stock Performance (Compared to NASDAQ and NASDAQ Bank Indices) COMPARISON OF CUMULATIVE TOTAL RETURNS* $140.00 $120.00 sons a ee $80.00 < Prov Se $60.00 HR NASDAQ Stock Index $40.00 == $2000 6/30/04 6/3005 6/30/06 30/07 6/30/08 6/30/09 63004 6/30/08 6/3

  11. Slide 11: PROVIDENT ifs

    PROVIDENT ifs Provident Financial Holdings, Inc. PROV NASDAQ LisTteonb www.myprovident.com 10

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