Financial insights of PROV

MyFinsight

For the quarter ending 2025-12-31.

Income Statement	2025-12-31	2025-09-30	2025-06-30	2025-03-31
Loans receivable, net	13,072	13,131	12,957*	13,368
Investment securities	411	430	447*	459
Fhlb - san francisco and other equity investments	-	-	211*	-
Fhlb - san francisco stock and other equity investments	214	211	-	213
Interest-earning deposits	253	374	255*	389
Total interest income	13,950	14,146	13,869*	14,429
Checking and money market deposits	56	51	-	46
Savings deposits	197	171	-	127
Deposits	-	-	2,871*	-
Time deposits	2,672	2,764	-	2,573
Borrowings	2,101	2,230	2,270*	2,471
Total interest expense	5,026	5,216	5,141*	5,217
Net interest income	8,924	8,930	8,728*	9,212
Recovery of credit gaines	-158	-626	966*	-391
Net interest income, after (recovery of) provision for credit losses	9,082	9,556	7,762*	9,603
Loan servicing and other fees	176	146	61*	135
Non-interest income-Deposit Account	273	265	278*	-
Non-interest income	-	-	-	567
Non-interest income-Debit Card	286	302	322*	-
Other	182	100	162*	205
Total non-interest income	917	813	822*	907
Salaries and employee benefits	4,783	4,770	4,893*	4,776
Premises and occupancy	851	947	888*	880
Equipment	479	406	402*	417
Professional	442	414	361*	386
Sales and marketing	158	148	183*	181
Deposit insurance premium and regulatory assessments	177	165	173*	195
Other	1,059	784	826*	1,021
Total non-interest expense	7,949	7,634	7,725*	7,856
Income before income taxes	2,050	2,735	859*	2,654
Provision for income taxes	614	1,054	239*	797
Net income	1,436	1,681	620	1,857

Basic EPS	0.22	0.26	0.093	0.28
Diluted EPS	0.22	0.25	0.093	0.28
Basic Average Shares	6,462,000	6,566,000	6,635,258	6,680,000
Diluted Average Shares	6,531,000	6,626,000	6,686,886	6,733,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.