Note 4: Operating Segment Reports: Schedule of Segment Reporting Information, by Segment (Tables)

12 Months Ended

Sep. 30, 2012

Tables/Schedules

Schedule of Segment Reporting Information, by Segment

	For the Quarter Ended September 30, 2012
		Provident
	Provident	Bank	Consolidated
	Bank	Mortgage	Totals
Net interest income, before provision for loan losses	$7,333	$1,603	$8,936
Provision (recovery) for loan losses	855	(322)	533
Net interest income, after provision for loan losses	6,478	1,925	8,403
Non-interest income:
Loan servicing and other fees (1)	303	35	338
Gain on sale of loans, net (2)	29	20,566	20,595
Deposit account fees	623	-	623
Gain (loss) on sale and operations of real estate
owned acquired in the settlement of loans, net	74	(1)	73
Card and processing fees	321	-	321
Other	209	-	209
Total non-interest income	1,559	20,600	22,159
Non-interest expense:
Salaries and employee benefits	4,757	8,428	13,185
Premises and occupancy	740	410	1,150
Operating and administrative expenses	1,171	1,820	2,991
Total non-interest expense	6,668	10,658	17,326
Income before income taxes	1,369	11,867	13,236
Benefit (provision) for income taxes	(484)	4,990	4,506
Net income	$1,853	$6,877	$8,730
Total assets, end of period	$975,121	$296,363	$1,271,484

	For the Quarter Ended September 30, 2011
		Provident
	Provident	Bank	Consolidated
	Bank	Mortgage	Totals
Net interest income, before provision for loan losses	$7,558	$1,240	$8,798
Provision for loan losses	709	263	972
Net interest income after provision for loan losses …	6,849	977	7,826
Non-interest income:
Loan servicing and other fees	119	13	132
Gain on sale of loans, net (3)	7	7,269	7,276
Deposit account fees	603	-	603
(Loss) gain on sale and operations of real estate
owned acquired in the settlement of loans, net	(32)	64	32
Card and processing fees	331	-	331
Other	174	-	174
Total non-interest income	1,202	7,346	8,548
Non-interest expense:
Salaries and employee benefits	4,189	4,665	8,854
Premises and occupancy	597	275	872
Operating and administrative expenses	940	1,637	2,577
Total non-interest expense	5,726	6,577	12,303
Income before income taxes	2,325	1,746	4,071
Provision for income taxes	1,019	734	1,753
Net income	$1,306	$1,012	$2,318
Total assets, end of period	$1,048,520	$270,523	$1,319,043

⁽¹⁾       Includes an inter-company charge of $16 credited to PBM by the Bank during the period to compensate PBM for originating loans held for investment.

⁽²⁾       Includes an inter-company charge of $41 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis. 

⁽³⁾       Includes an inter-company charge of $33 credited to PBM by the Bank during the period to compensate PBM for servicing fees on loans sold on a servicing retained basis.