| Exhibit13  |
|-----------------|

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|                                                                                                      | At      or For The Year Ended June 30, |
|-----------------------------------------------------------------------------------------------------------|----------------------------------------|
|                                                                                                      | 2009                                   | 2008 | 2007 | 2006 | 2005 |
| (In      Thousands, Except Per Share Information )                                                        |                                   |   |   |   |
|                                                                                                      |                                   |   |   |   |   |   |   |   |   |   |
| FINANCIAL      CONDITION DATA:                                                                            |                                   |   |   |   |   |   |   |   |   |   |
| Total      assets                                                                                         |  $      1,579,613                 |   |  $      1,632,447 |   |  $      1,648,923 |   |  $      1,624,452 |   |  $      1,634,690 |   |
| Loans      held for investment, net                                                                       |  1,165,529                        |   |  1,368,137 |   |  1,350,696 |   |  1,264,979 |   |  1,134,473 |   |
| Loans      held for sale, at fair value                                                                   | 135,490                                |   |  - |   |  - |   |  - |   |  - |   |
| Loans      held for sale, at lower of cost or  market                                           |  10,555                           |   |  28,461 |   |  1,337 |   |  4,713 |   |  5,691 |   |
| Receivable      from sale of loans                                                                        |   -                          |   |  - |   |  60,513 |   |  99,930 |   |  167,813 |   |
| Cash      and cash equivalents                                                                            |  56,903                           |   |  15,114 |   |  12,824 |   | 16,358 |   |  25,902 |   |
| Investment      securities                                                                                |  125,279                          |   |  153,102 |   |  150,843 |   | 177,189 |   |  232,432 |   |
| Deposits                                                                                                  |  989,245                          |   |  1,012,410 |   |  1,001,397 |   |  921,279 |   |  923,670 |   |
| Borrowings                                                                                                |  456,692                          |   |  479,335 |   |  502,774 |   |  546,211 |   |  560,845 |   |
| Stockholders’      equity                                                                           |  114,910                          |   |  123,980 |   |  128,797 |   |  136,148 |   |  122,965 |   |
| Book      value per share                                                                                 | 18.48                                  |   | 19.97 |   | 20.20 |   | 19.47 |   | 17.68 |   |
|                                                                                                      |                                   |   |   |   |   |   |   |   |   |   |
| OPERATING      DATA:                                                                                      |                                   |   |   |   |   |   |   |   |   |   |
| Interest      income                                                                                      |  $      85,924                    |   |  $      95,749 |   |  $      100,968 |   |  $      86,627 |   |  $      75,495 |   |
| Interest      expense                                                                                     | 42,156                                 |   |  54,313 |   | 59,245 |   | 42,635 |   | 33,048 |   |
| Net      interest income                                                                                  |  43,768                           |   |  41,436 |   |  41,723 |   | 43,992 |   | 42,447 |   |
| Provision      for loan losses                                                                            | 48,672                                 |   | 13,108 |   | 5,078 |   | 1,134 |   | 1,641 |   |
| Net      interest (expense) income after  provision                                             |  (4,904                           |  ) |  28,328 |   |  36,645 |   |  42,858 |   |  40,806 |   |
| Loan      servicing and other fees                                                                        |  869                              |   |  1,776 |   |  2,132 |   | 2,572 |   |  1,675 |   |
| Gain      on sale of loans, net                                                                           |  16,971                           |   | 1,004 |   |  9,318 |   | 13,481 |   | 18,706 |   |
| Deposit      account fees                                                                                 | 2,899                                  |   | 2,954 |   | 2,087 |   | 2,093 |   | 1,789 |   |
| Net      gain on sale of investment securities                                                            | 356                                    |   | - |   | - |   | - |   | 384 |   |
| Net      gain on sale of real estate held for investment                                                  | -                                      |   | - |   | 2,313 |   | 6,335 |   | - |   |
| (Loss)      gain on sale and operations ofreal      estate owned acquired in the settlement of loans, net |  (2,469                           |  ) |  (2,683 |  ) |  (117 |  ) |  20 |   |  - |   |
| Other      non-interest income                                                                            |  1,583                            |   |  2,160 |   |  1,828 |   | 1,708 |   | 1,864 |   |
| Operating      expenses                                                                                   |  29,980                           |   |  30,311 |   | 34,631 |   | 33,755 |   | 33,341 |   |
| (Loss)      income before income taxes                                                                    |  (14,675                          | ) | 3,228 |   |  19,575 |   | 35,312 |   | 31,883 |   |
| (Benefit)      provision for income taxes                                                                 | (7,236                                 | ) |  2,368 |   | 9,124 |   |  15,676 |   | 14,077 |   |
| Net      (loss) income                                                                                    |  $  (7,439              | ) |  $      860 |   |  $  10,451 |   |  $      19,636 |   |  $      17,806 |   |
| Basic      (loss) earnings per share                                                                      | $      (1.20                           | ) | $      0.14 |   | $      1.59 |   | $      2.93 |   | $      2.68 |   |
| Diluted      (loss) earnings per share                                                                    |  $      (1.20                     | ) |  $      0.14 |   |  $      1.57 |   |  $      2.82 |   |  $      2.49 |   |
| Cash      dividend per share                                                                              |  $  0.16                |   |  $      0.64 |   |  $      0.69 |   |  $      0.58 |   |  $      0.52 |   |

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|                           |                                                                                         | At      or For The Year Ended June 30, |   |       |
|--------------------------------|----------------------------------------------------------------------------------------------|----------------------------------------|--------|------------|
|                           |                                                                                         |  2009                             |   |  2008 |   |  2007 |   |  2006 |   |  2005 |   |   |
|                           |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |   |
| KEY      OPERATING RATIOS:     |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |
|                           |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |   |
| Performance      Ratios        |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |
|                           | (Loss)      return on average assets                                                         |  (0.47                            | )%     |  0.05 | % |  0.61 | % | 1.24 | % | 1.19 | % |   |
|                           | (Loss)      return on average stockholders’ equity                                     | (6.20                                  | )      |  0.68 |   |  7.77 |   | 15.02 |   | 15.33 |   |   |
|                           | Interest      rate spread                                                                    | 2.68                                   |   |  2.36 |   |  2.23 |   | 2.64 |   | 2.80 |   |   |
|                           | Net      interest margin                                                                     | 2.86                                   |   |  2.61 |   |  2.51 |   | 2.86 |   | 2.95 |   |   |
|                           | Average      interest-earning assets to average      interest-bearing liabilities       | 106.62                                 |   | 107.35     |   |  107.72 |   | 107.99 |   | 106.65 |   |   |
|                           | Operating      and administrative expenses as      a percentage of average total assets | 1.90                                   |   |  1.87 |   |  2.03 |   | 2.13 |   | 2.24 |   |   |
|                           | Efficiency      ratio (1)                                                                    | 46.86                                  |   | 64.98      |   | 58.42 |   | 48.08 |   | 49.86 |   |   |
|                           | Stockholders’      equity to total assets ratio                                        | 7.27                                   |   | 7.59       |   |  7.81 |   | 8.38 |   | 7.52 |   |   |
|                           | Dividend      payout ratio                                                                   | NM                                     |   | 457.14     |   | 43.95 |   | 20.57 |   | 20.88 |   |   |
|                           |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |   |
| Regulatory      Capital Ratios |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |
|                           | Tangible      capital                                                                        | 6.88                                   | %      | 7.19       | % | 7.62 | % | 8.08 | % | 6.56 | % |   |
|                           | Tier      1 leverage capital                                                                 | 6.88                                   |   | 7.19       |   | 7.62 |   | 8.08 |   | 6.56 |   |   |
|                           | Total      risk-based capital                                                                |  13.05                            |   | 12.25      |   | 12.49 |   | 13.37 |   | 11.21 |   |   |
|                           | Tier      1 risk-based capital                                                               | 11.78                                  |   | 10.99      |   | 11.39 |   | 12.36 |   | 10.29 |   |   |
|                           |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |   |
| Asset      Quality Ratios      |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |
|                           | Non-performing      loans as a percentage of      loans held for investment, net        | 6.16                                   | %      |  1.70 | % | 1.18 | % | 0.20 | % |  0.05 | % |   |
|                           | Non-performing      assets as a percentage of      total assets                         | 5.59                                   |   | 1.99       |   | 1.20 |   | 0.16 |   | 0.04 |   |   |
|                           | Allowance      for loan losses as a percentage of      gross loans held for investment  | 3.75                                   |   | 1.43       |   | 1.09 |   | 0.81 |   | 0.81 |   |   |
|                           | Allowance      for loan losses as a percentage of      non-performing loans             | 63.28                                  |   | 85.79      |   | 93.32 |   | 407.71 |   | 1,561.86 |   |   |
|                           | Net      charge-offs to average loans receivable, net                                        | 1.72                                   |   | 0.58       |   | 0.04 |   |  - |   | - |   |   |
|                           |                                                                                         |                                   |   |       |   |   |   |   |   |   |   |   |

| (1)   | Non-interest      expense as a percentage of net interest income, before provision for loan      losses, and non-interest income. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------|

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| Board      of Directors                                   |   | Senior      Officers                    |
|-----------------------------------------------------------|--------|-----------------------------------------|
|                                                      |   |                                    |
| Joseph      P. Barr, CPA                                  |   | Provident      Financial Holdings, Inc. |
| Principal                                                 |   |                                    |
| Swenson      Accountancy Corporation                      |   | Craig      G. Blunden                   |
|                                                      |   | Chairman,      President and CEO        |
| Bruce      W. Bennett                                     |   |                                    |
| President                                                 |   | Donavon      P. Ternes                  |
| Community Care      & Rehabilitation Center |   | Chief      Operating Officer            |
|                                                      |   | Chief      Financial Officer            |
| Craig      G. Blunden                                     |   | Corporate      Secretary                |
| Chairman,      President and CEO                          |   |                                    |
| Provident      Bank                                       |   | Provident      Bank                     |
|                                                      |   |                                    |
| Debbi      H. Guthrie                                     |   | Craig      G. Blunden                   |
| Private      Investor                                     |   | Chairman,      President and CEO        |
|                                                      |   |                                    |
| Robert      G. Schrader                                   |   | Richard      L. Gale                    |
| Retired      Executive Vice President and COO             |   | Senior      Vice President              |
| Provident      Bank                                       |   | Provident      Bank Mortgage            |
|                                                      |   |                                    |
| Roy      H. Taylor                                        |   | Kathryn      R. Gonzales                |
| Chief      Executive Officer                              |   | Senior      Vice President              |
| Hub      International of California                      |   | Retail      Banking                     |
| Insurance      Services, Inc.                             |   |                                    |
|                                                      |   | Lilian      Salter                      |
| William      E. Thomas                                    |   | Senior      Vice President              |
| Principal                                                 |   | Chief      Information Officer          |
| William      E. Thomas, Inc.,                             |   |                                    |
| A      Professional Law Corporation                       |   | Donavon      P. Ternes                  |
|                                                      |   | Executive      Vice President           |
|                                                      |   | Chief      Operating Officer            |
|                                                      |   | Chief      Financial Officer            |
|                                                      |   | Corporate      Secretary                |
|                                                      |   |                                    |
|                                                      |   | David      S. Weiant                    |
|                                                      |   | Senior      Vice President              |
|                                                      |   | Chief      Lending Officer              |

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|   |   |
|--------|--------|

|                                                            |   |                                        |
|-----------------------------------------------------------------|--------|---------------------------------------------|
|                                                            |   |                                        |
| RETAIL      BANKING CENTERS                                     |   | WHOLESALE      OFFICES                      |
|                                                            |   |                                        |
| Blythe                                                          |   | Pleasanton                                  |
| 350      E. Hobson Way                                          |   | 5934      Gibraltar Drive, Suite 102        |
| Blythe,      CA 92225                                      |   | Pleasanton,      CA 94588              |
|                                                            |   |                                        |
| Canyon      Crest                                               |   | Rancho      Cucamonga                       |
| 5225      Canyon Crest Drive, Suite 86                          |   | 10370      Commerce Center Drive, Suite 200 |
| Riverside,      CA 92507                                   |   | Rancho      Cucamonga, CA 91730        |
|                                                            |   |                                        |
| Corona                                                          |   | RETAIL      OFFICES                         |
| 487      Magnolia Avenue, Suite 101                             |   |                                        |
| Corona,      CA 92879                                      |   | Glendora                                    |
|                                                            |   | 1200      E. Route 66, Suite 102            |
| Corporate      Office                                           |   | Glendora,      CA 91740                |
| 3756      Central Avenue                                        |   |                                        |
| Riverside CA 92506                                    |   | Indiana      Avenue                         |
|                                                            |   | 7111      Indiana Avenue, Suite 200         |
| Downtown Business Center                              |   | Riverside,      CA 92504               |
| 4001      Main Street                                           |   |                                        |
| Riverside,      CA 92501                                   |   | Riverside                                   |
|                                                            |   | 6529      Riverside Avenue, Suite 160       |
| Hemet                                                           |   | Riverside,      CA 92506               |
| 1690      E. Florida Avenue                                     |   |                                        |
| Hemet,      CA 92544                                       |   |                                        |
|                                                            |   |                                        |
| Iris Plaza                                                 |   |                                        |
| 16110      Perris Boulevard, Suite K                            |   |                                        |
| Moreno      Valley, CA 92551                               |   |                                        |
|                                                            |   |                                        |
| La      Sierra                                                  |   |                                        |
| 3312      La Sierra Avenue, Suite 105                           |   |                                        |
| Riverside,      CA 92503                                   |   |                                        |
|                                                            |   |                                        |
| Moreno Valley                                              |   |                                        |
| 12460      Heacock Street                                       |   |                                        |
| Moreno      Valley, CA 92553                               |   |                                        |
|                                                            |   |                                        |
| Orangecrest                                                     |   |                                        |
| 19348      Van Buren Boulevard, Suite 119                       |   |                                        |
| Riverside,      CA 92508                                   |   |                                        |
|                                                            |   |                                        |
| Rancho      Mirage                                              |   |                                        |
| 71-991      Highway 111                                         |   |                                        |
| Ranch      Mirage, CA 92270                                |   |                                        |
|                                                            |   |                                        |
| Redlands                                                        |   |                                        |
| 125      E. Citrus Avenue                                       |   |                                        |
| Redlands,      CA 92373                                    |   |                                        |
|                                                            |   |                                        |
| Sun      City                                                   |   |                                        |
| 27010      Sun City Boulevard                                   |   |                                        |
| Sun      City, CA 92586                                    |   |                                        |
|                                                            |   |                                        |
| Temecula                                                        |   |                                        |
| 40325      Winchester Road                                      |   |                                        |
| Temecula,      CA 92591                                    |   |                                        |
|                                                            |   |                                        |
| Customer Information      1-800-442-5201 or www.myprovident.com |

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