Provident Financial Holdings, Inc. · NASDAQ:PROV

Provident Financial — Shareholder Meeting (December 2010)

10 slides from Provident Financial's shareholder meeting presentation, Dec 2, 2010

  1. Slide 1: Annual Meeting of Shareholders November 30, 2010

    Annual Meeting of Shareholders 7 November 30, 2010 we PROV/DENT 2a. Provident Financial Holdings, Inc.

  2. Slide 2: Fiscal 2010 Highlights

    DENT. ‘nancial Holdings, Inc, f Fiscal 2010 Highlights v¥ Net income of $1.1 million or EPS of $0.13 per share. v Seventh largest deposit market share in Riverside — San Bernardino according to deposit data released by the FDIC. v_ Raised $11.9 million of capital in December 2009 through a follow-on

  3. Slide 3: Subsequent Events

    7 Subsequent Events v Announced a quarterly cash dividend of $0.01 per share in July 2010 and October 2010. v¥ Opened a new Provident Bank Mortgage retail office in Rancho Cucamonga (Haven Avenue), California. Y Reported significantly improved earnings for the quarter-ended September 30, 2010.

  4. Slide 4: Net Income

    PROVIDENT 2. Provident Financial Holdings, Inc. Net Income (In Thousands) $25,000 $20,000 $15,000 $10,000 $5,000 $0 - $5,000 -$10,000 FY 2006 Fy 2007 Fy 2008 Fy 2009 FY 2010 Net Income (Loss) $19,636 $10,451 $860 -$7,439 $1,115

  5. Slide 5: Diluted Earnings Per Share

    Diluted Earnings Per Share PROVIDENTca. Provident Financial Holdings, Inc. $3.00 $2.00 $1.00 $0.00 -$1.00 -$2.00 FY2006 FY2007 FY2008 FY2009 FY2010 Diluted EPS: $2.82 $1.57 $0.14 -$1.20 $0.13

  6. Slide 6: Return on Stockholders' Equity

    PROVIDENT 2. Provident Financial Holdings, Inc. Return on Stockholders’ Equity 20.00% 16.00% 10.00% 5.00% 0.00% 6.00% -10.00% Fy2006 FY2007 FY2008 Fy2009 Fy2010 ROE 16.02% 777% 0.68% “6.20% 094%

  7. Slide 7: Total Assets

    PROVIDENTca. Provident Financial Holdings, Inc. Total Assets (In Millions) $2,000 $1,500 $1,000 $500 06/30/2006 06/30/2007 06/30/2008 06/30/2009 06/30/2010 [Total Assets $1,624 $1,649 $1,632 $1,580 $1,399

  8. Slide 8: Loans Held For Investment

    PROVIDENTca. Provident Financial Holdings, Inc. Loans Held For Investment (In Millions } $1600 $1400 $1,200 $1,000 $800 $600 $400 06/3 0/2006 06/80/2007 06/30/2008 06/30/2009 06/30/2010 ILHFI, Net $1265 $1 351 $1,368 $1,166 $1,006

  9. Slide 9: Total Deposits

    PROVIDENTca. Provident Financial Holdings, Inc. Total Deposits (In Millions) $1,200 $1,000 $800 $600 00 # 06/30/2006 06/30/2007 0680/2008 06/30/2009 06/30/2010 Deposits $921 $1,001 $1,012 $989 $933

  10. Slide 10: Provident Financial Holdings, Inc.

    PROW/DENT 2%. Provident Financial Holdings, Inc. www.myprovident.com

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