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Provident Financial Holdings (PROV) CEO Craig Blunden on Q3 2020 Results - Earnings Call Transcript

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Provident Financial Holdings (NASDAQ:PROV) Q3 2020 Earnings Conference Call April 29, 2020 12:00 PM ET

Company Participants

Craig Blunden - Chairman & CEO

Donavon Ternes - President, COO, CFO & Corporate Secretary

Conference Call Participants

Timothy Coffey - Janney Montgomery Scott

Matthew Clark - Piper Sandler & Co.


Ladies and gentlemen, thank you for standing by. Welcome to the third quarter earnings call. [Operator Instructions]. As a reminder, this conference is being recorded today. It's now my pleasure to turn the conference over to our host, Chairman and CEO, Mr. Craig Blunden. Please go ahead, sir.

Craig Blunden

Thank you. Good morning, everyone. This is Craig Blunden, Chairman and CEO of Provident Financial Holdings. And on the call with me is Donavon Ternes, our President, Chief Operating and Chief Financial Officer. We do hope that all of you and your families are doing well, staying safe during this health and economic crisis.

Before we begin, I have a brief administrative item to address. Our presentation today discusses the company's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objective or goals for future operations, products or services, forecast of financial or other performance measures and statements about the company's general outlook for economic and business conditions.

We also may make forward-looking statements during the question-and-answer period following management's presentation. These forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ from any forward-looking statement is available from the earnings release that was distributed yesterday, from the annual report on Form 10-K for the year ended June 30, 2019, and from the Form 10-Qs and other SEC filings that are filed subsequent to the Form 10-K. Forward-looking statements are

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