Provident Financial Holdings, Inc. Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2017		Dec. 31, 2016
Cash flows from operating activities:
Net (loss) income	$ (1,002)		$ 3,098
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Depreciation and amortization	1,582		1,334
Provision (recovery) for loan losses	158		(500)
Unrealized gain on real estate owned	(552)		76
Gain on sale of loans, net	(9,164)	[1]	(14,474)	[2]
Loss (gain) on sale of real estate owned, net	580		(33)
Stock-based compensation	524		977
(Benefit) provision for deferred income taxes	(79)		1,504
Tax effect from stock based compensation	0		(179)
Increase in accounts payable, accrued interest and other liabilities	3,278		3,441
Increase in prepaid expenses and other assets	(306)		(497)
Loans originated for sale	(724,156)		(1,189,253)
Proceeds from sale of loans	753,571		1,230,321
Net cash provided by operating activities	24,434		35,815
Cash flows from investing activities:
Decrease (increase) in loans held for investment, net	17,548		(29,008)
Proceeds from Sale and Maturity of Held-to-maturity Securities	10,837		6,252
Principal payments from investment securities available for sale	11,722		7,296
Proceeds from Sale of Mortgage Backed Securities (MBS) categorized as Available-for-sale	885		1,044
Purchase of investment securities held to maturity	38,511		0
Proceeds from sale of real estate owned	1,587		857
Purchase of premises and equipment	(1,589)		(185)
Net cash used for investing activities	(9,243)		(21,040)
Cash flows from financing activities:
(Decrease) increase in deposits, net	(18,733)		2,289
Proceeds from (Repayments of) Short-term Debt	(15,000)		0
Proceeds from Issuance of Long-term Debt	0		20,000
Repayments of long-term borrowings	(37)		(36)
Exercise of stock options	261		285
Payments Related to Tax Withholding for Share-based Compensation	(41)		(501)
Tax effect from stock based compensation	0		179
Cash dividends	(2,142)		(2,065)
Treasury stock purchases	(5,152)		(3,321)
Net cash (used for) provided by financing activities	(40,844)		16,830
Net (decrease) increase in cash and cash equivalents	(25,653)		31,605
Cash and cash equivalents at beginning of period	72,826		51,206
Cash and cash equivalents at end of period	47,173		82,811
Supplemental information:
Cash paid for interest	3,252		3,411
Cash paid for income taxes	2,350		1,934
Transfer of loans held for sale to held for investment	521		1,584
Real estate acquired in the settlement of loans	$ 700		$ 1,298

[1] For the Six Months Ended December 31, 2016(In Thousands)ProvidentBankProvidentBankMortgageConsolidatedTotalsNet interest income$15,396$2,777$18,173Recovery from the allowance for loan losses(310)(190)(500)Net interest income, after recovery from the allowance for loan losses15,7062,96718,673 Non-interest income: Loan servicing and other fees (1)319258577 Gain on sale of loans, net (2)3814,43614,474Deposit account fees1,102—1,102 Loss on sale and operations of real estate owned acquired in the settlement of loans, net(163)(3)(166)Card and processing fees725—725Other372—372Total non-interest income2,39314,69117,084 Non-interest expense: Salaries and employee benefits9,53612,12721,663Premises and occupancy1,6488762,524Operating and administrative expenses2,2993,8146,113Total non-interest expense13,48316,81730,300Income before income taxes4,6168415,457Provision for income taxes2,0053542,359Net income$2,611$487$3,098Total assets, end of period$1,035,158$156,997$1,192,155

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