Provident Financial Holdings, Inc. · NASDAQ:PROV
Provident Financial — Shareholder Meeting (November 2013)
9 slides from Provident Financial's shareholder meeting presentation, Nov 27, 2013
Slide 1: Annual Meeting of Shareholders
wi PROW/DENT 2. Provident Financial Holdings, Inc. Annual Meeting of Shareholders November 26, 2013 provizenriis. ""wwamyprovident.com
Slide 2: Safe Harbor Statement
afe Harbor Statemen This presentation contains statements that the Corporation believes are “forward-looking statements.” These statements relate to the Corporation's financial condition, results of operations. plans, objectives, future performance or business. You should not place undue reliance on
Slide 3: Franchise Overview
Franchise Overview Northern California: Provident Bank Provident Bank Mortgage Pleasanton - ‘ 1S ex Grove, Livermore, Rosevile, San Rafael and ‘Full Service Offices: yr Wholesale Offices: 4 Stockton. Biythe Pleasanton Canyon Crest, Riverside Rancho Cucamonga Corona Retail Offices: Corporate Office,
Slide 4: Fiscal 2013 Highlights
Fiscal 2013 Highlights > — Record Net Income of $25.8 million (Diluted EPS of $2.38 per share). > Seventh largest deposit market share in the Riverside —- San Bernardino RMA; second largest of community banks. > The Bank exceeds all regulatory capital requirements and is deemed “well-capitalized”. O
Slide 5: Subsequent Events
Subsequent Events a > Declared a quarterly cash dividend of $0.10 per share with a record date of November 21, 2013, payable on December 10, 2013. The Bank's Board of Directors declared a $10.0 million cash dividend from the Bank to the Corporation, which was paid on August 1, 2013; and another $10.
Slide 6: Financial Highlights - Balance Sheet
Financial Highlights lance Sheet Total Assets Loans Held for Investment s2000 0 S150 som sto 00 ” 2 2 Texans | wna | wan | wae | cae Se Co [faatasses| $1572 38 S131 St S12 [Lows Heir insite 51008 ‘32 7 78 Deposits sisoo stoc0 so 2 Texame | oscoaa | oso | coxa | ossnnor [Bepaxts| seo 323 3e Set $23 (
Slide 7: Financial Highlights - Earnings
Financial Highlights - Earnings Net Income (Loss) Diluted Earnings Per Share (oTrowme) ey so ' Soon 20 3150 0 203 20 sso 10 3888 rym | Faw | ram | re | Ao 20) as Zo vate = roan [etnooretiees| sve | sists | size | siamo | sosrer paces eon = = noms = Return of Stockholders’ Equity ‘sc0% 10008 oom, om
Slide 8: Change to Corporation Bylaws
ange to Corporation Bylaws > The Board of Directors has been monitoring the recent trend of special compensation arrangements paid to directors nominated by activist shareholders. > The trend is disconcerting to the Board for a number of reasons, primarily due to the potential for creating a board c
Slide 9: End
End PROVIDENT 22%. Provident Financial Holdings, Inc. www.myprovident.com
Provident Financial Holdings — Shareholder Meeting (November 2013) on 6ix