Provident Financial Holdings Inc: Company Report

Provident Financial Holdings, Inc. was organized for the purpose of becoming the holding company for Provident Savings Bank, F.S.B. (the Bank), which is a federally chartered stock savings bank. The Bank is a financial services company engaged in serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank conducts its business operations as Provident Bank, Provident Bank Mortgage (PBM), a division of the Bank, and through its subsidiary, Provident Financial Corp. The business activities of the Bank consist of community banking, mortgage banking, investment services and trustee services. The Bank’s community banking operations consist of accepting deposits from customers within the communities surrounding its full service offices and investing those funds in single-family, multi-family, commercial real estate, construction, commercial business, consumer and other loans. The Bank offers investment and insurance services directly.

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