Provident Financial Holdings Inc (NASDAQ:PROV) Q 4, 2019 Earnings Conference Call July 31, 2019 ET Company Participants Craig Blunden - Chairman and Chief Executive Officer Donavon Ternes - President, Chief Operating and Chief Financial Officer Conference Call Participants Timothy O'Brien - Sandler O'Neill Operator Ladies and gentlemen, thank you for standing by and welcome to the fourth quarter earnings call. [Operator Instructions] And as a reminder, today's conference call is being recorded. I would now ...