Provident Financial Holdings, Inc. · NASDAQ:PROV
Provident Financial — Shareholder Meeting (November 2012)
12 slides from Provident Financial's shareholder meeting presentation, Nov 29, 2012
Slide 1: Annual Meeting of Shareholders
PROVIDENT fh Provident Financial Holdings, Inc. Annual Meeting of Shareholders November 27, 2012 vww.myprovident.com
Slide 2: Safe Harbor Statement
Safe Harbor Statemen This presentation contains statements that the Company believes are “forward-looking statements.” These statements relate to the Company's financial condition, results of operations, plans, objectives, future performance or business. You should not place undue reliance on these
Slide 3: Franchise Overview
hise Overview Northern California: Provident Bank Pleasanton cael 4} fairfield, Pleasanton, Roseville, San Rafael and Full service Oftees! Wr Stockton. Blythe Canyon Crest, Riverside Corona San Luis Obispo: Corporate Office, Riverside Downtown, Riverside Santa Barbara Hemet La Quinta La Sierra, Rive
Slide 4: Fiscal 2012 Highlights
Fiscal 2012 Highlights > Net income of $10.8 million (EPS of $0.96 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”. > Opened a new reta
Slide 5: Subsequent Events
Subsequent Events > Increased the quarterly cash dividend to $0.05 per share in July 2012. > Earnings for the quarter-ended September 30, 2012 were $8.7 million, up 277% from the same quarter last year; and up 103% from the quarter ended June 30, 2012 (sequential quarter). > Opened retail loan origi
Slide 6: Net Income
Net Income ( (In Thousands) $15,000 $10,000 $5,000 $0 -$5,000 -$10,000 FY 2008 FY 2009 FY2010 FY2011 FY2012 Net Income (Loss) $860 -$7,439 $1115 $13,220 $10,810 LL... |
Slide 7: Diluted Earnings Per Share
Diluted Earnings Per e Fya08 FY2009 FY2010 FYa011 FYa012 [Diluted EPS| 04 8120 913 $116 9.5 _ _ [PROV ss
Slide 8: Return on Equity
olders’ Equ 15.00% 10.00% : = - = | _ _ i 00% | -10.00% FY208 FY2009 FY2010 Fy2011 Fy2012 [ROE] 0.68% 620% 0.94% 980% 7.58% ROVIDENT ES.
Slide 9: Total Assets
(n Milons) $2,000 $1,500 $1,000 06/30/2008 06/30/2009 08/302010 06302011 06/30/2012 [Tota Assets $1,632 $1,579 $1,209 $1314 $1,261
Slide 10: Loans Held for Investment, Net
(In Milions) $1,500 $1,000 $500 sO + c 0a 2072006 ) 0a/30/2009 ) 00/30/2010 | caIs072011 ] oaG0/2012 lLoans Hdd For Investment Net | $1,268 $1,166 $1,006 $882 S797 cl PU LLLe9
Slide 11: Deposits
(inMifons) $1,500 $1,000 $500 $0 06/30/2008 ‘06/30/2009 06/20/2010 0620/2011 (06/30/2012 Deposits| $1,012 ‘$989 $933 $946 $961 LL... PO ASLILZiLe._ ye ECO
Slide 12: End
End PROW/DENT 2%. Provident Financial Holdings, Inc. » PROV NASDAQ LIisTteEeonb www. myprovident.com
Provident Financial Holdings — Shareholder Meeting (November 2012) on 6ix