 Provident Financial Holdings, Inc. NASDAQ:PROV Q1 2023 Earnings Conference Call October 26, 2022 12:00 PM ET Company Participants Craig Blunden - Chairman CEO Donavon Ternes - President, Chief Operating Chief Financial Officer Conference Call Participants Nick Cucharale - Piper Sandler Tim Coffey - Janney Operator Ladies and gentlemen, thank you for standing by, and welcome to the First Quarter Earnings Call. At this time, all participants are in a listen-only mode. 