Provident Financial Holdings, Inc. (NASDAQ:PROV) Q4 2020 Earnings Conference Call July 29, 2020 12:00 PM ET Company Participants Craig Blunden - Chairman & CEO Donavon Ternes - President, COO, CFO & Corporate Secretary Conference Call Participants Matthew Clark - Piper Sandler & Co. Timothy Coffey - Janney Montgomery Scott Kevin Swanson - Hovde Group Operator Ladies and gentlemen, thank you for standing by, and welcome to the Provident Financial Holdings Fourth Quarter Earnings Conference Call. [Operator In ...