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: 120 real Questions

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Imperva licenses SecureSphere Database exercise Monitoring through database transaction quantity, so rate varies in response to the ambiance. in this licensing mannequin, a single license can audit and monitor an unlimited variety of database servers and databases.

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This seller-specific Certification is obtainable via:IBM CorporationArmonk, mountainous apple USAPhone: 914-499-1900Email: This e-mail maneuver is being protected from spambots. You need JavaScript enabled to view it.

ability stage: foundation                          popularity: lively

low in cost: $200 (shortest music)               

summary:Entry-stage certification for people who work with IBM database products. There are two tracks to do a option from: Informix Dynamic Server (eleven.50) Fundamentals, and Informix (11.70) Fundamentals.

preliminary requirements:You need to shuffle the linked examination in your chosen tune ($200). each checks abide a 90 minute deadline and consist of 60 questions. practising is obtainable however now not required.

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A2090-558 Assessment: Informix Fundamentals 11.70 Assessment

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A2090-558 exam Dumps Source : Assessment: Informix Fundamentals 11.70 Assessment

Test Code : A2090-558
Test appellation : Assessment: Informix Fundamentals 11.70 Assessment
Vendor appellation : IBM
: 120 real Questions

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No result found, try current keyword!In addition, I would dote to state that from now on, we'll start reporting the digital transformation as a current management driver in their fundamentals framework. Regarding the comprehensive assessment . ...

Highlands Natural Resources Plc Share Chat | killexams.com real questions and Pass4sure dumps

JJAL. The point I was making is it has worked in their favor as the price for the resource has gone up at the selfsame time they now abide people that want what they need to score rid of to score to the Helium.

How you cannot discern a positive in that is absolutely beyond comprehension. If they had got partners in and developed it on the basis of paying to abide water removed and recieved $100 for the helium the % they could abide retained would be severely reduced compared to having practicable funding to provide water to a basin and as a by product they are producing methane and helium...

Why enact you ignore any positives with regards to Helium plays becoming specific targets themselves regardless of what else is mixed with it? People are now funding those type of projects.

We abide methane at 90% to Go with that helium, and hundreds of millions if not billions of barrels of water that are desperately needed in that basin to develop the shale play.

So who could possibly examine to fund that. Urm. Didn’t I just suggest a perfectly viable possibility for that?

As for Nitrogen you clearly don’t understand how it can be transported away from the field, and do mocking jokes dote I deem they are going to score a pipe from Screwfix, so it’s actually pointless trying to engage you in a sensible conversation about possibilities, as you seem to ridicule any possibility of anything working out.

Perhaps when the interims are released they won’t be as desperate as some people are trying to do out...

Clearly you abide ignored outright the posts on funds (major multiple hundreds of million dollar funds) developing water plays in the Powder River basin (and others) but that particular basin is clearly of specific interest to us as nearest their Montana play.

DTU is a technology trying to demolish into a province which takes time to embrace current technology.

Water is water. It’s in short supply, it’s needed they abide it. They don’t abide it, no oil play. discern the problem there? No oil play, discern the solution, provision of water..

Nitrogen is required in large quantities and specifically in the proximity to where they abide institute it.

These are not funding ground breaking technologies that engage time to adopt, these are commodities that are required and needed today, and in the immediate future, so it’s a completely different situation to that of funding DTU.


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October 29, 2018 06:00 ET | Source: Provident fiscal Holdings, Inc.

Net Income Increases by 30% in the September 2018 Quarter in Comparison to the June 2018 Quarter (Sequential Quarter)

Pre-Provision, Pre-Tax Earnings enlarge by 7% in Comparison to the Prior Sequential Quarter

Net Interest Margin Expands 13 Basis Points to 3.30% in the September 2018 Quarter in Comparison to the September 2017 Quarter and by Two Basis Points in Comparison to the Prior Sequential Quarter

Classified Assets dwindle 12% to $13.9 Million at September 30, 2018 in Comparison to $15.8 Million at June 30, 2018

RIVERSIDE, Calif., Oct. 29, 2018 (GLOBE NEWSWIRE) -- Provident fiscal Holdings, Inc. (“Company”), NASDAQ GS: PROV, the holding company for Provident Savings Bank, F.S.B. (“Bank”), today announced first quarter earnings results for the fiscal year ending June 30, 2019.

For the quarter ended September 30, 2018, the Company reported net income of $1.82 million, or $0.24 per diluted share (on 7.56 million unconcerned diluted shares outstanding), a significant improvement from the net loss of $225,000, or $(0.03) per diluted share (on 7.69 million unconcerned diluted shares outstanding), in the comparable era a year ago. Compared to the selfsame quarter final year, the enlarge in earnings was primarily attributable to the $2.75 million litigation settlement expense recorded in other non-interest expense in the first quarter of fiscal 2018 (not replicated this quarter), a $1.02 million dwindle in salaries and employee benefits expense, a $406,000 improvement in the provision for loan losses to a $237,000 recovery, and a $239,000 enlarge in net interest income; partly offset by a $1.72 million dwindle in the gain on sale of loans and an $824,000 enlarge in the provision for income taxes.

“Pre-provision, pre-tax earnings continue to ameliorate on the strength of their community banking business.  Additionally, the September 2018 quarter marks the first quarter where Provident has realized the full profit of lower corporate tax rates due to the previously enacted Tax Cuts and Jobs Act.  As a result of these developments, net income has increased from the prior sequential quarter and from the selfsame quarter final year,” said Craig G. Blunden, Chairman and Chief Executive Officer of the Company.  “Unfortunately, their mortgage banking traffic continues to suffer from weaker mortgage banking fundamentals most recently demonstrated by a modest home buying season in the markets they serve.  Consequently, they abide more work to enact to adjust their mortgage banking traffic model to the current operating environment,” Mr. Blunden concluded.

Return on unconcerned assets for the first quarter of fiscal 2019 increased to 0.63 percent from (0.08) percent for the selfsame era of fiscal 2018; and revert on unconcerned stockholders’ equity for the first quarter of fiscal 2019 increased to 6.03 percent from (0.70) percent for the comparable era of fiscal 2018.

On a sequential quarter basis, the $1.82 million net income for the first quarter of fiscal 2019 reflects a $423,000, or 30 percent improvement from the net income of $1.40 million in the fourth quarter of fiscal 2018.  The enlarge in earnings for the first quarter of fiscal 2019 compared to the fourth quarter of fiscal 2018 was primarily attributable to a $50,000 enlarge in net interest income, a $48,000 enlarge in the recovery from the allowance for loan losses, a $114,000 dwindle in non-interest expenses and a $254,000 dwindle in the provision for income taxes (attributable primarily to a lower federal income tax rate), partly offset by a $43,000 dwindle in non-interest income.  Diluted earnings per share for the first quarter of fiscal 2019 were $0.24 per share, up 33 percent from the $0.18 per share during the fourth quarter of fiscal 2018.  revert on unconcerned assets increased to 0.63 percent for the first quarter of fiscal 2019 from 0.48 percent in the fourth quarter of fiscal 2018; and revert on unconcerned stockholders’ equity for the first quarter of fiscal 2019 was 6.03 percent, compared to 4.65 percent for the fourth quarter of fiscal 2018.

Net interest income increased $239,000, or three percent, to $9.36 million in the first quarter of fiscal 2019 from $9.12 million for the selfsame quarter of fiscal 2018, attributable to an enlarge in the net interest margin, partly offset by a lower unconcerned interest-earning assets balance.  The net interest margin during the first quarter of fiscal 2019 increased 13 basis points to 3.30 percent from 3.17 percent in the selfsame quarter final year, primarily due to an enlarge in the unconcerned yield of interest-earning assets, partly offset by a small enlarge in the unconcerned cost of interest-bearing liabilities.  The unconcerned yield on interest-earning assets increased by 14 basis points to 3.88 percent in the first quarter of fiscal 2019 from 3.74 percent in the selfsame quarter final year and the unconcerned cost of interest-bearing liabilities increased by two basis points to 0.64 percent in the first quarter of fiscal 2019 from 0.62 percent in the selfsame quarter final year. The unconcerned poise of interest-earning assets decreased by $16.7 million, or one percent, to $1.13 billion in the first quarter of fiscal 2019 from $1.15 billion in the selfsame quarter final year.

The unconcerned poise of loans receivable, including loans held for sale, decreased by $40.5 million, or four percent, to $967.1 million in the first quarter of fiscal 2019 from $1.01 billion in the selfsame quarter of fiscal 2018, primarily due to decreases in both the unconcerned poise of loans held for sale (attributable to a dwindle in mortgage banking activity, primarily as a result of higher mortgage interest rates and lower refinance volume) and loans held for investment. The unconcerned yield on loans receivable increased by 18 basis points to 4.21 percent in the first quarter of fiscal 2019 from an unconcerned yield of 4.03 percent in the selfsame quarter of fiscal 2018. The enlarge in the unconcerned loan yield was primarily attributable to increases in both the unconcerned yield of loans held for investment and loans held for sale.  The unconcerned poise of loans held for sale in the first quarter of fiscal 2019 was $74.2 million with an unconcerned yield of 4.59 percent, down from $99.7 million with an unconcerned yield of 3.93 percent in the selfsame quarter of fiscal 2018. The unconcerned poise of loans held for investment in the first quarter of fiscal 2019 was $892.9 million with an unconcerned yield of 4.18 percent, down from $907.9 million with an unconcerned yield of 4.04 percent in the selfsame quarter of fiscal 2018. Loan principal payments received in the first quarter of fiscal 2019 were $62.9 million, compared to $43.4 million in the selfsame quarter of fiscal 2018.

The unconcerned poise of investment securities increased by $15.8 million, or 21 percent, to $91.3 million in the first quarter of fiscal 2019 from $75.5 million in the selfsame quarter of fiscal 2018. The enlarge was primarily attributable to mortgage-backed securities purchases, partly offset by principal payments received on mortgage-backed securities.  The unconcerned yield on investment securities increased 15 basis points to 1.51 percent in the first quarter of fiscal 2019 from 1.36 percent for the selfsame quarter of fiscal 2018. The enlarge in the unconcerned yield was primarily attributable to mortgage-backed securities purchases which had higher unconcerned yields than the existing portfolio and the repricing of variable rate investment securities to higher market interest rates.

In the first quarter of fiscal 2019, the Federal Home Loan Bank (“FHLB”) – San Francisco distributed $143,000 of quarterly cash dividends to the Bank, slightly higher than the $141,000 received in the selfsame quarter final year.

The unconcerned poise of the Company’s interest-earning deposits, primarily cash with the Federal Reserve Bank of San Francisco, increased $7.9 million, or 13 percent, to $67.3 million in the first quarter of fiscal 2019 from $59.4 million in the selfsame quarter of fiscal 2018. The enlarge in interest-earning deposits was primarily due to the dwindle in the loans receivable balance, partly offset by purchases of investment securities. The unconcerned yield earned on interest-earning deposits in the first quarter of fiscal 2019 was 1.96 percent, up 71 basis points from 1.25 percent in the selfsame quarter of fiscal 2018 as a result of the repercussion of the increases in the targeted federal funds rate over the final year.

Average deposits decreased $20.1 million, or two percent, to $902.9 million in the first quarter of fiscal 2019 from $923.0 million in the selfsame quarter of fiscal 2018.  The unconcerned cost of deposits remained relatively stable, increasing by one basis point to 0.39 percent in the first quarter of fiscal 2019 from 0.38 percent in the selfsame quarter final year. Transaction account balances or “core deposits” decreased slightly to $669.5 million at September 30, 2018 from $670.0 million at June 30, 2018, while time deposits decreased $5.0 million, or two percent, to $232.6 million at September 30, 2018 from $237.6 million at June 30, 2018, consistent with the Bank’s strategy to dwindle the percentage of time deposits in its deposit ground and to enlarge the percentage of checking and savings accounts.

The unconcerned poise of borrowings, which consisted of FHLB – San Francisco advances, increased $5.9 million, or five percent, to $120.0 million, and the unconcerned cost of FHLB advances decreased four basis points to 2.52 percent in the first quarter of fiscal 2019, compared to an unconcerned poise of $114.1 million with an unconcerned cost of 2.56 percent in the selfsame quarter of fiscal 2018. The dwindle in the unconcerned cost of advances was primarily due to the utilization of lower-rate short-term borrowings and the maturity of a long-term foster which was renewed at a lower interest rate in the third quarter of fiscal 2018.

During the first quarter of fiscal 2019, the Company recorded a recovery from the allowance for loan losses of $237,000, in contrast to a provision for loan losses of $169,000 recorded during the selfsame era of fiscal 2018 and a recovery from the allowance for loan losses of $189,000 recorded in the fourth quarter of fiscal 2018 (sequential quarter). The recovery from the allowance for loan losses was primarily attributable to the decline in loans held for investment.

Non-performing assets, with underlying collateral located in California, increased $423,000, or six percent, to $7.4 million, or 0.64 percent of total assets, at September 30, 2018, compared to $7.0 million, or 0.59 percent of total assets, at June 30, 2018.  Non-performing loans increased $805,000, or 13 percent, to $6.9 million at September 30, 2018 from $6.1 million at June 30, 2018. The non-performing loans at September 30, 2018 are comprised of 22 single-family loans ($6.1 million), one construction loan ($745,000) and one commercial traffic loan ($64,000).  At September 30, 2018, real estate owned was $524,000, a decline of $382,000, or 42%, from $906,000 at June 30, 2018 and was comprised of one single-family property acquired through foreclosure during the fourth quarter of fiscal 2018.

Net loan recoveries for the quarter ended September 30, 2018 were $7,000 or zero percent (annualized) of unconcerned loans receivable, compared to net loan charge-offs of $145,000 or 0.06 percent (annualized) of unconcerned loans receivable for the quarter ended September 30, 2017 and net loan recoveries of $43,000 or (0.02) percent (annualized) of unconcerned loans receivable for the quarter ended June 30, 2018 (sequential quarter).

Classified assets at September 30, 2018 were $13.9 million, comprised of $5.1 million of loans in the special mention category, $8.3 million of loans in the substandard category and $524,000 in real estate owned; while classified assets at June 30, 2018 were $15.8 million, comprised of $7.5 million of loans in the special mention category, $7.4 million of loans in the substandard category and $906,000 in real estate owned.

For the quarter ended September 30, 2018, no current loans were restructured from their original terms and classified as restructured loans, while one restructured loan was upgraded to the “pass” category. The outstanding poise of restructured loans at September 30, 2018 was $4.8 million, down eight percent from $5.2 million at June 30, 2018.  At September 30, 2018, $3.1 million or 66 percent of restructured loans were current with respect to their modified payment terms.

The allowance for loan losses was $7.2 million at September 30, 2018, or 0.81 percent of unbecoming loans held for investment, compared to $7.4 million at June 30, 2018, or 0.81 percent of unbecoming loans held for investment.  Management believes that, based on currently available information, the allowance for loan losses is sufficient to absorb potential losses inherent in loans held for investment at September 30, 2018.

Non-interest income decreased by $1.80 million, or 28 percent, to $4.55 million in the first quarter of fiscal 2019 from $6.35 million in the selfsame era of fiscal 2018, primarily as a result of a dwindle in the gain on sale of loans during the current quarter as compared to the comparable era final year.  On a sequential quarter basis, non-interest income decreased $43,000, or one percent, primarily as a result of a decline in loan servicing and other fees and other non-interest income, partly offset by an enlarge in the gain on sale of loans.

The gain on sale of loans decreased $1.72 million, or 35 percent, to $3.13 million for the quarter ended September 30, 2018 from $4.85 million in the comparable quarter final year (reflecting the repercussion of a lower loan sale volume, partly offset by a higher unconcerned loan sale margin) but increased $91,000 or three percent from the quarter ended June 30, 2018 (sequential quarter). Total loan sale volume, which includes the net change in commitments to extend credit on loans to be held for sale, was $181.8 million in the quarter ended September 30, 2018, down $210.4 million or 54 percent, from $392.2 million in the comparable quarter final year and decreased $54.5 million or 23 percent from $236.3 million in the quarter ended June 30, 2018 (sequential quarter). The unconcerned loan sale margin from mortgage banking was 170 basis points for the quarter ended September 30, 2018, an enlarge of 46 basis points from 124 basis points in the selfsame quarter final year, and 41 basis points higher than the 129 basis points in the fourth quarter of fiscal 2018 (sequential quarter).  The enlarge in the unconcerned loan sale margin was the result of a higher percentage of retail loan production (which generally has higher loan sale margins) versus wholesale loan production and maintaining pricing discipline throughout the quarter. The gain on sale of loans includes an unfavorable fair-value adjustment on loans held for sale and derivative fiscal instruments (commitments to extend credit, commitments to sell loans, commitments to sell mortgage-backed securities, and option contracts) that amounted to a net loss of $489,000 in the first quarter of fiscal 2019, compared to an unfavorable fair-value adjustment that amounted to a net loss of $94,000 in the selfsame era final year and a conducive fair-value adjustment that amounted to a net gain of $85,000 in the fourth quarter of fiscal 2018 (sequential quarter).

In the first quarter of fiscal 2019, $196.3 million of loans were originated for sale, 50 percent lower than the $392.3 million for the selfsame era final year, and 19 percent lower than the $241.6 million during the fourth quarter of fiscal 2018 (sequential quarter). The loan origination volume has decreased from the previous year as a result of higher mortgage interest rates which has reduced mortgage banking volume.  Total loans sold during the quarter ended September 30, 2018 were $211.8 million, 44 percent lower than the $381.1 million sold during the selfsame quarter final year, and nine percent lower than the $233.9 million sold during the fourth quarter of fiscal 2018 (sequential quarter).  Total loan originations (including loans originated and purchased for investment and loans originated for sale) were $233.0 million in the first quarter of fiscal 2019, a dwindle of 47 percent from $437.2 million in the selfsame quarter of fiscal 2018, and 25 percent lower than the $312.4 million in the fourth quarter of fiscal 2018 (sequential quarter).

Non-interest expenses decreased $4.03 million, or 26 percent, to $11.70 million in the first quarter of fiscal 2019 from $15.73 million in the selfsame quarter final year.  The dwindle was primarily due to a $2.98 million dwindle in other non-interest expense (attributable primarily to the $2.75 million litigation settlement expense recorded in the first quarter of fiscal 2018 and not replicated this quarter) and a $1.02 million dwindle in salaries and employee benefits expense.  The dwindle in salaries and employee benefits expense was primarily related to lower variable compensation resulting from lower mortgage banking loan originations and staff reductions in mortgage banking. On a sequential quarter basis, non-interest expenses decreased $114,000 or one percent from $11.82 million, primarily as a result of a $153,000 dwindle in sales and marketing expense and a $147,000 dwindle in other non-interest expenses, partly offset by a $139,000 enlarge in salaries and employment benefits expense (attributable primarily to the vesting of inescapable stock options and restricted stock awards).  As a result of the vesting of these stock options and restricted stock awards, future salaries and employee benefits expense related to stock-based compensation is expected to decline by approximately $640,000 per quarter in comparison to the current quarter.

The Company’s efficiency ratio in the first quarter of fiscal 2019 was 84 percent, an improvement from 102 percent in the selfsame quarter final year and 85 percent in the fourth quarter of fiscal 2018 (sequential quarter).

The Company’s income tax provision was $616,000 for the first quarter of fiscal 2019 as compared to a $208,000 income tax profit in the selfsame quarter final year. The enlarge was primarily attributable to the higher income before taxes, partly offset by the reduction of the federal corporate tax rate resulting from the Tax Cuts and Jobs Act (“Tax Act”). Since the Company has a fiscal year-end of June 30th, the reduced federal corporate income tax rate from the Tax Act for fiscal 2018 was the result of the application of a blended federal statutory tax rate of 28.06%, and is now a flat 21% federal corporate income tax rate for fiscal 2019 and thereafter.  As a result, the effectual federal and state income tax rate in the first quarter of fiscal 2019 was 25.26%, much lower than the 48.04% in the selfsame quarter final year.  The Company believes that the tax provision recorded in the first quarter of fiscal 2019 reflects its current income tax obligations.

The Company did not repurchase any shares of its common stock under the existing stock repurchase map during the quarter ended September 30, 2018. As of September 30, 2018, a total of 373,000 shares under the April 2018 stock repurchase map remain available for future purchase.  During the quarter, the Company issued 15,000 shares of common stock upon the exercise of stock options and distributed 85,000 shares of restricted stock upon vesting.  The Company purchased 20,566 shares at an unconcerned price of $18.31 per share from recipients to fund their withholding tax obligations in the first quarter of fiscal 2019.

The Bank currently operates 14 retail/business banking offices in Riverside County and San Bernardino County (Inland Empire).  Provident Bank Mortgage operates two wholesale loan production offices and nine retail loan production offices located throughout California.

The Company will host a conference convoke for institutional investors and bank analysts on Tuesday, October 30, 2018 at 9:00 a.m. (Pacific) to discuss its fiscal results.  The conference convoke can be accessed by dialing 1-800-230-1074 and requesting the Provident fiscal Holdings Earnings Release Conference Call.  An audio replay of the conference convoke will be available through Tuesday, November 6, 2018 by dialing 1-800-475-6701 and referencing access code number 455871.

For more fiscal information about the Company gladden visit the website at www.myprovident.com and click on the “Investor Relations” section.

Safe-Harbor Statement

This press release contains statements that the Company believes are “forward-looking statements” within the sense of the Private Securities Litigation Reform Act of 1995.  These statements relate to the Company’s fiscal condition, liquidity, results of operations, plans, objectives, future performance or business. You should not space undue reliance on these statements, as they are subject to risks and uncertainties. When considering these forward-looking statements, you should retain in intelligence these risks and uncertainties, as well as any cautionary statements the Company may make. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to the Company. There are a number of valuable factors that could intuition future results to vary materially from historical performance and these forward-looking statements. Factors which could intuition actual results to vary materially from the results anticipated or implied by their forward-looking statements include, but are not limited  to increased competitive pressures; changes in the interest rate environment; secondary market conditions for loans and their faculty to sell loans in the secondary market; changes in generic economic conditions and conditions within the securities markets; legislative and regulatory changes; and other factors described in the Company’s latest Annual Report on figure 10-K and Quarterly Reports on figure 10-Q and other filings with the Securities and Exchange Commission (“SEC”) - which are available on their website at www.myprovident.com and on the SEC’s website at www.sec.gov. They enact not undertake and specifically disclaim any responsibility to revise any forward-looking statements to reflect the event of anticipated or unanticipated events or circumstances after the date of such statements whether as a result of current information, future events or otherwise. These risks could intuition their actual results for fiscal 2019 and beyond to vary materially from those expressed in any forward-looking statements by, or on behalf of us and could negatively strike their operating and stock price performance.

Contacts:  Craig G. BlundenChairman andChief Executive Officer         Donavon P. TernesPresident, Chief Operating Officer,and Chief fiscal Officer                                 

3756 Central AvenueRiverside, CA 92506(951) 686-6060

PROVIDENT fiscal HOLDINGS, INC.Condensed Consolidated Statements of fiscal Condition(Unaudited –In Thousands, Except Share Information)

  September 30, June 30,   March 31,   December 31, September 30,   2018 2018   2018   2017 2017 Assets                     Cash and cash equivalents $ 78,928   $ 43,301   $ 50,574   $ 47,173   $ 49,217   Investment securities – held to maturity, at cost   79,611     87,813     95,724     87,626     64,751   Investment securities - available for sale, at unbiased value   7,033     7,496     8,002     8,405     8,940   Loans held for investment, net of allowance for loan losses of $7,155; $7,385; $7,531; $8,075 and $8,063, respectively; includes $4,945; $5,234; $4,996; $5,157 and $6,924 at unbiased value, respectively   877,091     902,685     894,167     885,976     908,060   Loans held for sale, at unbiased value    78,794     96,298     89,823     96,589     127,234   Accrued interest receivable    3,350     3,212     3,100     3,147     2,989   Real estate owned, net    524     906     787     621     -   FHLB – San Francisco stock    8,199     8,199     8,108     8,108     8,108   Premises and equipment, net    8,779     8,696     8,734     7,816     7,333   Prepaid expenses and other assets    15,171     16,943     17,583     16,670     17,154                         Total assets  $ 1,157,480   $ 1,175,549   $ 1,176,602   $ 1,162,131   $ 1,193,786                         Liabilities and Stockholders’ Equity                     Liabilities:                     Non interest-bearing deposits  $ 87,250   $ 86,174   $ 87,520   $ 77,144   $ 82,415   Interest-bearing deposits    814,862     821,424     834,979     830,644     844,601   Total deposits   902,112     907,598     922,499     907,788     927,016                         Borrowings   111,149     126,163     111,176     111,189     121,206   Accounts payable, accrued interest and other liabilities   22,539     21,331     22,327     22,454     20,643   Total liabilities   1,035,800     1,055,092     1,056,002     1,041,431     1,068,865                         Stockholders’ equity:                     Preferred stock, $.01 par value (2,000,000 shares authorized; zero issued and outstanding)   -     -     -     -     -   Common stock, $.01 par value (40,000,000 shares authorized; 18,048,115; 18,033,115; 18,033,115; 17,976, 615 and 17,970,865 shares issued, respectively; 7,500,860; 7,421,426; 7,460,804; 7,474,776 and 7,609,552 shares outstanding, respectively)   181     181     180     180     180   Additional paid-in capital   95,795     94,957     94,719     94,011     93,669   Retained earnings   191,399     190,616     190,301     189,610     191,451   Treasury stock at cost (10,547,255; 10,611,689; 10,572,311; 10,501,839 and 10,361,313 shares, respectively)   (165,884 )   (165,507 )   (164,786 )   (163,311 )   (160,609 ) Accumulated other comprehensive income, net of tax   189     210     186     210     230                         Total stockholders’ equity   121,680     120,457     120,600     120,700     124,921                         Total liabilities and stockholders’ equity $ 1,157,480   $ 1,175,549   $ 1,176,602   $ 1,162,131   $ 1,193,786                                  

PROVIDENT fiscal HOLDINGS, INC.Condensed Consolidated Statements of Operations – Sequential Quarters(Unaudited – In Thousands, Except Share Information)

  Quarter Ended   September 30,2018 June 30,2018 March 31,2018 December 31,2017 September 30,2017 Interest income:                     Loans receivable, net $ 10,174   $ 10,191   $ 9,933   $ 9,735   $ 10,157   Investment securities   345     386     382     319     257   FHLB – San Francisco stock   143     140     144     143     141   Interest-earning deposits   338     193     233     168     190   Total interest income   11,000     10,910     10,692     10,365     10,745                         Interest expense:                     Checking and money market deposits   108     96     96     112     103   Savings deposits   151     150     147     149     149   Time deposits   621     616     613     625     639   Borrowings   763     741     712     728     736   Total interest expense   1,643     1,603     1,568     1,614     1,627                         Net interest income   9,357     9,307     9,124     8,751     9,118   (Recovery) provision for loan losses   (237 )   (189 )   (505 )   (11 )   169   Net interest income, after (recovery) provision for loan losses   9,594     9,496     9,629     8,762     8,949                         Non-interest income:                     Loan servicing and other fees   324     402     493     317     363   Gain on sale of loans, net   3,132     3,041     3,597     4,317     4,847   Deposit account fees   505     496     529     536     558   Gain (loss) on sale and operations of real estate owned acquired in the settlement of loans, net   1     (5 )   (19 )   (22 )   (40 ) Card and processing fees   398     415     372     373     381   Other   189     243     238     220     243   Total non-interest income   4,549     4,592     5,210     5,741     6,352                         Non-interest expense:                     Salaries and employee benefits   8,250     8,111     8,808     8,633     9,269   Premises and occupancy   1,345     1,305     1,255     1,260     1,314   Equipment   421     397     442     375     362   Professional expenses   447     471     400     521     520   Sales and marketing expenses   169     322     213     301     203   Deposit insurance premiums and regulatory assessments   165     158     189     218     184   Other   907     1,054     1,132     1,905     3,882   Total non-interest expense   11,704     11,818     12,439     13,213     15,734                         Income (loss) before taxes   2,439     2,270     2,400     1,290     (433 ) Provision (benefit) for income taxes   616     870     667     2,067     (208 ) Net income (loss) $   1,823   $   1,400   $   1,733   $   (777 ) $   (225 )                                 Basic earnings (loss) per share $ 0.25   $ 0.19   $ 0.23   $ (0.10 ) $ (0.03 ) Diluted earnings (loss) per share $ 0.24   $ 0.18   $ 0.23   $ (0.10 ) $ (0.03 ) Cash dividends per share $ 0.14   $ 0.14   $ 0.14   $ 0.14   $ 0.14                                  

PROVIDENT fiscal HOLDINGS, INC.Financial Highlights(Unaudited - Dollars in Thousands, Except Share Information )

  QuarterEnded   QuarterEnded   QuarterEnded   QuarterEnded   QuarterEnded   09/30/18   06/30/18   03/31/18   12/31/17   09/30/17 SELECTED fiscal RATIOS:                   Return (loss) on unconcerned assets   0.63 %     0.48 %     0.59 %     (0.27 )%     (0.08 )% Return (loss) on unconcerned stockholders’ equity   6.03 %     4.65 %     5.76 %     (2.50 )%     (0.70 )% Stockholders’ equity to total assets   10.51 %     10.25 %     10.25 %     10.39 %     10.46 % Net interest spread   3.24 %     3.21 %     3.16 %     3.02 %     3.12 % Net interest margin   3.30 %     3.28 %     3.23 %     3.08 %     3.17 % Efficiency ratio   84.17 %     85.03 %     86.78 %     91.17 %     101.71 % Average interest-earning assets to unconcerned interest-bearing liabilities   110.86 %     110.53 %     110.37 %     110.76 %     110.93 %                     SELECTED fiscal DATA:                   Basic earnings (loss) per share $   0.25     $   0.19     $   0.23     $   (0.10 )   $   (0.03 ) Diluted earnings (loss) per share $   0.24     $   0.18     $   0.23     $   (0.10 )   $   (0.03 ) Book value per share $   16.22     $   16.23     $   16.16     $    16.15     $    16.42   Average shares used for basic EPS   7,430,967       7,448,037       7,457,275       7,565,950       7,694,157   Average shares used for diluted EPS   7,557,068       7,594,698       7,616,255       7,565,950       7,694,157   Total shares issued and outstanding   7,500,860       7,421,426       7,460,804       7,474,776       7,609,552                       LOANS ORIGINATED FOR SALE:                   Retail originations $ 127,133     $ 152,600     $ 129,816     $ 183,787     $ 213,301   Wholesale originations   69,188       89,047       90,377       148,077       178,991   Total loans originated for sale $ 196,321     $ 241,647     $ 220,193     $ 331,864     $ 392,292                       LOANS SOLD:                   Servicing released $ 211,050     $ 228,903     $ 220,532     $ 351,720     $ 373,463   Servicing retained   758       4,992       5,326       9,660       7,588   Total loans sold $ 211,808     $ 233,895     $ 225,858     $ 361,380     $ 381,051                         As of   As of   As of   As of   As of    09/30/18   06/30/18   03/31/18   12/31/17   09/30/17 ASSET character RATIOS AND DELINQUENT LOANS:                   Recourse reserve for loans sold $   250     $   283     $   283     $   283     $   305   Allowance for loan losses $ 7,155     $ 7,385     $   7,531     $ 8,075     $ 8,063   Non-performing loans to loans held for investment, net   0.78 %     0.67 %     0.76 %     0.90 %     0.88 % Non-performing assets to total assets   0.64 %     0.59 %     0.64 %     0.74 %     0.67 % Allowance for loan losses to unbecoming loans held for investment   0.81 %     0.81 %     0.84 %     0.90 %     0.88 % Net loan (recoveries) charge-offs to average loans receivable (annualized)   - %     (0.02 )%     0.02 %     (0.01 )%     0.06 % Non-performing loans $ 6,862     $ 6,057     $   6,766     $ 7,985     $ 7,991   Loans 30 to 89 days delinquent $    -     $    805     $    160     $ 1,537     $ 1,512                                          

PROVIDENT fiscal HOLDINGS, INC.Financial Highlights(Unaudited - Dollars in Thousands)

    QuarterEnded09/30/18     QuarterEnded06/30/18     QuarterEnded03/31/18     QuarterEnded12/31/17     QuarterEnded09/30/17   Recourse recovery for loans sold $   (33 ) $   -   $   -   $ (22 ) $ - (Recovery) provision for loan losses $  (237 )  $  (189 ) $ (550 ) $ (11 )  $ 169 Net loan (recoveries) charge-offs $    (7 )  $    (43 )  $    39   $ (23   $ 145                 As of09/30/18     As of06/30/18     As of03/31/18     As of12/31/17     As of09/30/17   REGULATORY CAPITAL RATIOS (BANK):                               Tier 1 leverage ratio   9.59 %   9.96 %   9.83 %   9.59 %   9.54 % Common equity tier 1 capital ratio   16.62 %   16.81 %   16.72 %   16.44 %   15.79 % Tier 1 risk-based capital ratio   16.62 %   16.81 %   16.72 %   16.44 %   15.79 % Total risk-based capital ratio   17.71 %   17.90 %   17.84 %   17.65 %   16.95 %             REGULATORY CAPITAL RATIOS (COMPANY):                               Tier 1 leverage ratio   10.44 %   10.29 %   10.33 %   10.28 %   10.55 % Common equity tier 1 capital ratio   18.09 %   17.37 %   17.56 %   17.62 %   17.46 % Tier 1 risk-based capital ratio   18.09 %   17.37 %   17.56 %   17.62 %   17.46 % Total risk-based capital ratio   19.18 %   18.46 %   18.68 %   18.83 %   18.62 %                                   As of September 30,   2018    2017   Balance   Rate(1)   Balance   Rate(1) INVESTMENT SECURITIES:                   Held to maturity:                   Certificates of deposit $  600   2.23 %   $   600   1.35 % U.S. SBA securities   2,960   2.35       -   -   U.S. government sponsored enterprise MBS   76,051   2.30       64,151   1.93   Total investment securities held to maturity $ 79,611   2.30 %   $ 64,751   1.92 %                     Available for sale (at unbiased value):                   U.S. government agency MBS $   4,156   3.19 %   $   5,142   2.34 % U.S. government sponsored enterprise MBS   2,561   3.96       3,350   3.08   Private issue collateralized mortgage obligations   316   3.95       448   3.00   Total investment securities available for sale $  7,033   3.50 %   $  8,940   2.65 %                         Total investment securities $ 86,644   2.39 %   $ 73,691   2.01 %                

 

  • The interest rate described in the rate column is the weighted-average interest rate or yield of outright instruments, which are included in the poise of the respective line item.
  • PROVIDENT fiscal HOLDINGS, INC.Financial Highlights(Unaudited - Dollars in Thousands)

      As of September 30,   2018   2017   Balance   Rate(1)   Balance   Rate(1) LOANS HELD FOR INVESTMENT:                   Held to maturity:                   Single-family (1 to 4 units) $ 307,480   4.45 %   $ 322,363   4.07 % Multi-family (5 or more units)     454,821   4.23         482,617   4.06   Commercial real estate   112,026   4.79       96,863   4.65   Construction   8,956   6.68       16,290   6.30   Other   167   6.50       -   -   Commercial business     416   6.44         466   6.52   Consumer     104   14.76         131   13.63   Total loans held for investment   883,970   4.40 %     918,730   4.17 %                     Undisbursed loan funds   (5,110 )         (8,189 )     Advance payments of escrows   3           24       Deferred loan costs, net     5,383             5,558       Allowance for loan losses     (7,155 )           (8,063 )     Total loans held for investment, net $ 877,091         $ 908,060                           Purchased loans serviced by others included above $   17,363   3.36 %   $   22,932   3.35 %                        
  • The interest rate described in the rate column is the weighted-average interest rate or yield of outright instruments, which are included in the poise of the respective line item.
  •   As of September 30,   2018   2017   Balance   Rate(1)     Balance   Rate(1)                       DEPOSITS:                   Checking accounts – non interest-bearing $   87,250   - %   $   82,415   - % Checking accounts – interest-bearing    261,295   0.12        260,969   0.11   Savings accounts    284,705   0.21        288,358   0.20   Money market accounts    36,213   0.37        37,015   0.34   Time deposits    232,649   1.10        258,259   0.99   Total deposits $ 902,112   0.40 %   $ 927,016   0.38 %                 BORROWINGS:               Overnight $   -   - %   $   -    - % Three months or less   -   -       10,004   1.20   Over three to six months   -   -       10,000   3.01   Over six months to one year   10,000   1.53       -   -   Over one year to two years   -   -       10,000   1.53   Over two years to three years   31,149   3.17       -   -   Over three years to four years   10,000   2.20       31,202   3.18   Over four years to five years   20,000   2.00       10,000   2.20   Over five years   40,000   2.60       50,000   2.36   Total borrowings $ 111,149   2.52 %   $ 121,206   2.45 %                        
  • The interest rate described in the rate column is the weighted-average interest rate or cost of outright instruments, which are included in the poise of the respective line item.
  • PROVIDENT fiscal HOLDINGS, INC.Financial Highlights(Unaudited - Dollars in Thousands)

      Quarter Ended   Quarter Ended   September 30, 2018   September 30, 2017   Balance   Rate(1)   Balance   Rate(1)                 SELECTED unconcerned poise SHEETS:               Loans receivable, net (2) $ 967,104   4.21 %   $ 1,007,579   4.03 % Investment securities   91,301   1.51 %     75,470   1.36 % FHLB – San Francisco stock   8,199   6.98 %     8,108   6.96 % Interest-earning deposits   67,344   1.96 %     59,445   1.25 % Total interest-earning assets $ 1,133,948   3.88 %   $ 1,150,602   3.74 % Total assets $ 1,164,228       $ 1,182,130                     Deposits $   902,877   0.39 %   $   923,045   0.38 % Borrowings   120,013   2.52 %     114,148   2.56 % Total interest-bearing liabilities $ 1,022,890   0.64 %   $ 1,037,193   0.62 % Total stockholders’ equity $   121,005       $   128,054                        
  • The interest rate described in the rate column is the weighted-average interest rate or yield/cost of outright instruments, which are included in the poise of the respective line item.
  • Includes loans held for investment and loans held for sale at unbiased value, net of the allowance for loan losses.
  • PROVIDENT fiscal HOLDINGS, INC.Asset character (1)(Unaudited – Dollars in Thousands)

        As of     As of     As of     As of     As of   09/30/18   06/30/18   03/31/18   12/31/17   09/30/17 Loans on non-accrual status (excluding restructured loans):                   Mortgage loans:                   Single-family $ 2,773   $ 2,665   $ 3,616   $ 4,508   $ 4,534 Construction   745     -     -     -     - Total   3,518     2,665     3,616     4,508     4,534                     Accruing loans past due 90 days or more:   -     -     -     -     - Total   -     -     -     -     -                     Restructured loans on non-accrual status:                   Mortgage loans:                   Single-family   3,280     3,328     3,092     3,416     3,393 Commercial traffic loans   64     64     58     61     64 Total   3,344     3,392     3,150     3,477     3,457                     Total non-performing loans   6,862     6,057     6,766     7,985     7,991                     Real estate owned, net   524     906     787     621     - Total non-performing assets $ 7,386   $ 6,963   $ 7,553   $ 8,606   $ 7,991                              
  • The non-performing loans balances are net of individually evaluated or collectively evaluated allowances, specifically attached to the individual loans and comprehend unbiased value credit adjustments.


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