Q4 2022 Provident Financial Holdings Inc Earnings Call Transcript

Feb 08, 2024

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Jul 27, 2022 / 04:00PM GMT
Operator

Ladies and gentlemen, thank you for standing by. Welcome to the Provident Financial Holdings fourth quarter earnings conference call. (Operator Instructions)

As a reminder, your call today is being recorded. I'll now turn the conference call over to your host, Chairman and CEO, Craig Blunden. Please go ahead.

Craig G. Blunden - Provident Financial Holdings, Inc. - Chairman & CEO

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.

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, objectives or goals for future operations, products or services, forecasts of financial or other performance measures and statements about the company's general outlook for economic and business conditions. We also may make

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