 Provident Financial Holdings, Inc. NASDAQ:PROV Q4 2022 Earnings Conference Call July 27, 2022 ET Company Participants Craig Blunden - Chairman Chief Executive Officer 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. Welcome to the Provident Financial Holdings Fourth Quarter Earnings Conference Call. 