Provident Financial Holdings, Inc. (NASDAQ:PROV) Q2 2019 Earnings Conference Call January 29, 2019 12:00 PM ET Company Participants Craig Blunden - Chairman & CEO Donavon Ternes - President, COO & CFO Conference Call Participants Tim OÂ'Brien - Sandler OÂ'Neill Kevin Swanson - Hovde Group Operator Ladies and gentlemen, thank you for standing by, and welcome to the Second Quarter Earnings Call. [Operator Instructions]. As a reminder, today's call is being recorded. I would now like to turn the call over to y ...