Financial insights of PROV

MyFinsight

For the quarter ending 2025-09-30, PROV made $27,183K in revenue. $1,681K in net income. Net profit margin of 6.18%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-03-31	2024-09-30
Loans receivable, net	13,131	13,368	13,023
Investment securities	430	459	482
Fhlb - san francisco stock and other equity investments	211	213	210
Interest-earning deposits	374	389	360
Total interest income	14,146	14,429	14,075
Checking and money market deposits	51	46	53
Savings deposits	171	127	112
Time deposits	2,764	2,573	2,659
Borrowings	2,230	2,471	2,635
Total interest expense	5,216	5,217	5,459
Net interest income	8,930	9,212	8,616
Recovery of credit losses	-626	-391	-697
Net interest income, after recovery of credit losses	9,556	9,603	9,313
Loan servicing and other fees	146	135	104
Non-interest income-Deposit Account	265	-	-
Non-interest income	-	567	618
Non-interest income-Debit Card	302	-	-
Other	100	205	177
Total non-interest income	813	907	899
Salaries and employee benefits	4,770	4,776	4,633
Premises and occupancy	947	880	951
Equipment	406	417	343
Professional	414	386	426
Sales and marketing	148	181	173
Deposit insurance premium and regulatory assessments	165	195	183
Other	784	1,021	814
Total non-interest expense	7,634	7,856	7,523
Income before income taxes	2,735	2,654	2,689
Provision for income taxes	1,054	797	789
Net income	1,681	1,857	1,900

Earnings per share, basic	0.26	0.28	0.28
Earnings per share, diluted	0.25	0.28	0.28
Weighted average number of shares outstanding, basic	6,566,000	6,680,000	6,833,000
Weighted average number of shares outstanding, diluted	6,626,000	6,733,000	6,863,000