2011 Q4 Form 10-Q Financial Statement

#000129970912000007 Filed on February 02, 2012

View on sec.gov

Income Statement

Concept 2011 Q4 2010 Q4
Revenue $28.62M $22.58M
YoY Change 26.71%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $300.0K $100.0K
YoY Change 200.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $9.530M $8.461M
YoY Change 12.63%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $11.27M $8.210M
YoY Change 37.25% -14.48%
Income Tax $4.608M $3.283M
% Of Pretax Income 40.89% 39.99%
Net Earnings $6.660M $4.927M
YoY Change 35.17% -10.42%
Net Earnings / Revenue 23.27% 21.82%
Basic Earnings Per Share $0.56 $0.45
Diluted Earnings Per Share $0.54 $0.45
COMMON SHARES
Basic Shares Outstanding 10.73B shares
Diluted Shares Outstanding 11.17B shares

Balance Sheet

Concept 2011 Q4 2010 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $22.30M $12.67M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $3.745M $2.000M
YoY Change 87.25%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $11.00M $10.00M
YoY Change 10.0% 150.0%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.224B $1.661B
YoY Change 33.88% 23.49%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $2.000M $2.000M
YoY Change 0.0% 100.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $130.0M $130.0M
YoY Change 0.0% 0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $2.000M $2.000M
YoY Change 0.0% 100.0%
LONG-TERM LIABILITIES
Long-Term Debt $5.000M $5.000M
YoY Change 0.0% 0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $5.000M $5.000M
YoY Change 0.0% 0.0%
TOTAL LIABILITIES
Total Short-Term Liabilities $2.000M $2.000M
Total Long-Term Liabilities $5.000M $5.000M
Total Liabilities $2.030B $1.523B
YoY Change 33.3% 22.53%
SHAREHOLDERS EQUITY
Retained Earnings $72.84M
YoY Change
Common Stock $121.0K
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost) $5.327M
YoY Change
Treasury Stock Shares 743.0K shares
Shareholders Equity $193.6M $138.0M
YoY Change
Total Liabilities & Shareholders Equity $2.224B $1.661B
YoY Change 33.88% 23.49%

Cashflow Statement

Concept 2011 Q4 2010 Q4
OPERATING ACTIVITIES
Net Income $6.660M $4.927M
YoY Change 35.17% -10.42%
Depreciation, Depletion And Amortization $300.0K $100.0K
YoY Change 200.0%
Cash From Operating Activities -$52.70M $3.800M
YoY Change -1486.84% -141.3%
INVESTING ACTIVITIES
Capital Expenditures -$200.0K -$1.300M
YoY Change -84.62% 1200.0%
Acquisitions
YoY Change
Other Investing Activities -$82.30M -$142.8M
YoY Change -42.37% 7833.33%
Cash From Investing Activities -$82.60M -$144.1M
YoY Change -42.68% 7905.56%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $13.30K
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 123.9M 138.6M
YoY Change -10.61% 1026.83%
NET CHANGE
Cash From Operating Activities -52.70M 3.800M
Cash From Investing Activities -82.60M -144.1M
Cash From Financing Activities 123.9M 138.6M
Net Change In Cash -11.40M -1.700M
YoY Change 570.59% -230.77%
FREE CASH FLOW
Cash From Operating Activities -$52.70M $3.800M
Capital Expenditures -$200.0K -$1.300M
Free Cash Flow -$52.50M $5.100M
YoY Change -1129.41% -156.04%

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us-gaap Noninterest Income
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us-gaap Noninterest Income
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CY2011Q4 us-gaap Noninterest Income
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us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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us-gaap Other General And Administrative Expense
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us-gaap Other Than Temporary Impairment Losses Investments Portion In Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
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CY2011Q4 us-gaap Other Than Temporary Impairment Losses Investments Portion In Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
0 USD
CY2010Q4 us-gaap Other Than Temporary Impairment Losses Investments Portion In Other Comprehensive Income Loss Before Tax Portion Attributable To Parent
OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent
0 USD
CY2011Q4 us-gaap Other Than Temporary Impairment Losses Investments Portion Recognized In Earnings Net
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715000 USD
us-gaap Other Than Temporary Impairment Losses Investments Portion Recognized In Earnings Net
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CY2010Q4 us-gaap Other Than Temporary Impairment Losses Investments Portion Recognized In Earnings Net
OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet
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us-gaap Other Than Temporary Impairment Losses Investments Portion Recognized In Earnings Net
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us-gaap Payments For Federal Home Loan Bank Advances
PaymentsForFederalHomeLoanBankAdvances
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us-gaap Payments For Federal Home Loan Bank Advances
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CY2011Q2 us-gaap Retained Earnings Accumulated Deficit
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CY2011Q4 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
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us-gaap Payments For Origination And Purchases Of Loans Held For Sale
PaymentsForOriginationAndPurchasesOfLoansHeldForSale
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us-gaap Payments For Origination And Purchases Of Loans Held For Sale
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us-gaap Payments Of Dividends Preferred Stock And Preference Stock
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154000 USD
us-gaap Payments Of Dividends Preferred Stock And Preference Stock
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155000 USD
us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
190917000 USD
us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
45001000 USD
us-gaap Payments To Acquire Productive Assets
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1222000 USD
us-gaap Payments To Acquire Productive Assets
PaymentsToAcquireProductiveAssets
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us-gaap Proceeds From Federal Home Loan Bank Advances
ProceedsFromFederalHomeLoanBankAdvances
159000000 USD
us-gaap Proceeds From Federal Home Loan Bank Advances
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91000000 USD
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ProceedsFromIssuanceOfCommonStock
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us-gaap Proceeds From Issuance Of Common Stock
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0 USD
us-gaap Proceeds From Issuance Of Convertible Preferred Stock
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0 USD
us-gaap Proceeds From Issuance Of Convertible Preferred Stock
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us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
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80211000 USD
us-gaap Proceeds From Sale Of Federal Reserve Stock
ProceedsFromSaleOfFederalReserveStock
1397000 USD
us-gaap Proceeds From Sale Of Federal Reserve Stock
ProceedsFromSaleOfFederalReserveStock
1412000 USD
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
6270000 USD
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
1621000 USD
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
131949000 USD
us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
325562000 USD
us-gaap Proceeds From Sale Of Mortgage Backed Securities Mbs Categorized As Available For Sale
ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale
654000 USD
us-gaap Proceeds From Sale Of Mortgage Backed Securities Mbs Categorized As Available For Sale
ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale
0 USD
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
124000 USD
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
613000 USD
us-gaap Professional Fees
ProfessionalFees
1177000 USD
us-gaap Professional Fees
ProfessionalFees
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ProfessionalFees
604000 USD
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3963000 USD
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ProvisionForLoanAndLeaseLosses
1600000 USD
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
3200000 USD
CY2011Q4 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
1600000 USD
us-gaap Repayments Of Other Debt
RepaymentsOfOtherDebt
2500000 USD
us-gaap Repayments Of Other Debt
RepaymentsOfOtherDebt
-1000 USD
CY2011Q2 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
130000000 USD
us-gaap Share Based Compensation
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932000 USD
CY2011Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
130000000 USD
us-gaap Share Based Compensation
ShareBasedCompensation
1181000 USD
us-gaap Stock Issued During Period Value New Issues
StockIssuedDuringPeriodValueNewIssues
19487000 USD
us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures
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us-gaap Stock Issued During Period Value Share Based Compensation
StockIssuedDuringPeriodValueShareBasedCompensation
1181000 USD
CY2011Q2 us-gaap Stockholders Equity
StockholdersEquity
147766000 USD
CY2011Q4 us-gaap Stockholders Equity
StockholdersEquity
193596000 USD
CY2011Q2 us-gaap Trading Securities
TradingSecurities
5053000 USD
CY2011Q4 us-gaap Trading Securities
TradingSecurities
5678000 USD
us-gaap Trading Securities Unrealized Holding Gain Loss
TradingSecuritiesUnrealizedHoldingGainLoss
26000 USD
CY2010Q4 us-gaap Trading Securities Unrealized Holding Gain Loss
TradingSecuritiesUnrealizedHoldingGainLoss
-14000 USD
us-gaap Trading Securities Unrealized Holding Gain Loss
TradingSecuritiesUnrealizedHoldingGainLoss
625000 USD
CY2011Q4 us-gaap Trading Securities Unrealized Holding Gain Loss
TradingSecuritiesUnrealizedHoldingGainLoss
430000 USD
us-gaap Transfer Of Portfolio Loans And Leases To Held For Sale1
TransferOfPortfolioLoansAndLeasesToHeldForSale1
0 USD
us-gaap Transfer Of Portfolio Loans And Leases To Held For Sale1
TransferOfPortfolioLoansAndLeasesToHeldForSale1
81029000 USD
CY2011Q4 us-gaap Treasury Stock Shares
TreasuryStockShares
743020 shares
CY2011Q2 us-gaap Treasury Stock Shares
TreasuryStockShares
715631 shares
CY2011Q2 us-gaap Treasury Stock Value
TreasuryStockValue
4933000 USD
CY2011Q4 us-gaap Treasury Stock Value
TreasuryStockValue
5327000 USD
bofi Advances From Federal Home Loan Bank Interest Expense
AdvancesFromFederalHomeLoanBankInterestExpense
3369000 USD
CY2010Q4 bofi Advances From Federal Home Loan Bank Interest Expense
AdvancesFromFederalHomeLoanBankInterestExpense
1663000 USD
CY2011Q4 bofi Advances From Federal Home Loan Bank Interest Expense
AdvancesFromFederalHomeLoanBankInterestExpense
1475000 USD
bofi Advances From Federal Home Loan Bank Interest Expense
AdvancesFromFederalHomeLoanBankInterestExpense
3055000 USD
bofi Common Stock Issued During Period Value New Issues
CommonStockIssuedDuringPeriodValueNewIssues
13344000 USD
CY2011Q4 bofi Fdic And Primary Federal Regulator Fees
FdicAndPrimaryFederalRegulatorFees
341000 USD
bofi Fdic And Primary Federal Regulator Fees
FdicAndPrimaryFederalRegulatorFees
915000 USD
CY2010Q4 bofi Fdic And Primary Federal Regulator Fees
FdicAndPrimaryFederalRegulatorFees
477000 USD
bofi Fdic And Primary Federal Regulator Fees
FdicAndPrimaryFederalRegulatorFees
666000 USD
bofi Gain On Sales Of Loans Held For Sale
GainOnSalesOfLoansHeldForSale
3186000 USD
bofi Gain On Sales Of Loans Held For Sale
GainOnSalesOfLoansHeldForSale
7052000 USD
CY2011Q2 bofi Loans Held For Sale Carried At Fair Value
LoansHeldForSaleCarriedAtFairValue
20110000 USD
CY2011Q4 bofi Loans Held For Sale Carried At Fair Value
LoansHeldForSaleCarriedAtFairValue
54336000 USD
CY2011Q2 bofi Loans Held For Sale Lower Of Cost Or Market
LoansHeldForSaleLowerOfCostOrMarket
0 USD
CY2011Q4 bofi Loans Held For Sale Lower Of Cost Or Market
LoansHeldForSaleLowerOfCostOrMarket
48000000 USD
bofi Loss On Sale Of Other Real Estate And Foreclosed Assets
LossOnSaleOfOtherRealEstateAndForeclosedAssets
0 USD
bofi Loss On Sale Of Other Real Estate And Foreclosed Assets
LossOnSaleOfOtherRealEstateAndForeclosedAssets
1720000 USD
CY2010Q4 bofi Occupancy And Equipment Expense
OccupancyAndEquipmentExpense
184000 USD
bofi Occupancy And Equipment Expense
OccupancyAndEquipmentExpense
555000 USD
CY2011Q4 bofi Occupancy And Equipment Expense
OccupancyAndEquipmentExpense
293000 USD
bofi Occupancy And Equipment Expense
OccupancyAndEquipmentExpense
349000 USD
bofi Origination Of Loans Net
OriginationOfLoansNet
384779000 USD
bofi Origination Of Loans Net
OriginationOfLoansNet
208836000 USD
CY2011Q2 bofi Preferred Stock Par Value Per Share
PreferredStockParValuePerShare
0.01
CY2011Q4 bofi Preferred Stock Par Value Per Share
PreferredStockParValuePerShare
0.01
bofi Prepayment Penalty Fee Income
PrepaymentPenaltyFeeIncome
126000 USD
CY2011Q4 bofi Prepayment Penalty Fee Income
PrepaymentPenaltyFeeIncome
65000 USD
CY2010Q4 bofi Prepayment Penalty Fee Income
PrepaymentPenaltyFeeIncome
0 USD
bofi Prepayment Penalty Fee Income
PrepaymentPenaltyFeeIncome
1000000 USD
bofi Proceeds From Repayment Of Securities
ProceedsFromRepaymentOfSecurities
59419000 USD
bofi Proceeds From Repayment Of Securities
ProceedsFromRepaymentOfSecurities
191268000 USD
bofi Purchases Of Loans Net Of Discounts And Premiums
PurchasesOfLoansNetOfDiscountsAndPremiums
104060000 USD
bofi Purchases Of Loans Net Of Discounts And Premiums
PurchasesOfLoansNetOfDiscountsAndPremiums
0 USD
CY2011Q4 bofi Real Estate Owned And Repossessed Vehicles Expense
RealEstateOwnedAndRepossessedVehiclesExpense
244000 USD
CY2010Q4 bofi Real Estate Owned And Repossessed Vehicles Expense
RealEstateOwnedAndRepossessedVehiclesExpense
239000 USD
bofi Real Estate Owned And Repossessed Vehicles Expense
RealEstateOwnedAndRepossessedVehiclesExpense
2028000 USD
bofi Real Estate Owned And Repossessed Vehicles Expense
RealEstateOwnedAndRepossessedVehiclesExpense
452000 USD
bofi Stock Option Exercises And Tax Benefits Of Equity Compensation
StockOptionExercisesAndTaxBenefitsOfEquityCompensation
669000 USD
CY2011Q4 bofi Total Unrealized Gain Loss On Securities
TotalUnrealizedGainLossOnSecurities
-285000 USD
CY2010Q4 bofi Total Unrealized Gain Loss On Securities
TotalUnrealizedGainLossOnSecurities
-466000 USD
bofi Total Unrealized Gain Loss On Securities
TotalUnrealizedGainLossOnSecurities
-856000 USD
bofi Total Unrealized Gain Loss On Securities
TotalUnrealizedGainLossOnSecurities
-687000 USD
bofi Transfers To Other Real Estate And Repossessed Vehicles
TransfersToOtherRealEstateAndRepossessedVehicles
3464000 USD
bofi Transfers To Other Real Estate And Repossessed Vehicles
TransfersToOtherRealEstateAndRepossessedVehicles
1168000 USD
bofi Unrealized Gain Loss On Loans Held For Sale
UnrealizedGainLossOnLoansHeldForSale
225000 USD
bofi Unrealized Gain Loss On Loans Held For Sale
UnrealizedGainLossOnLoansHeldForSale
764000 USD
dei Amendment Flag
AmendmentFlag
false
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--06-30
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q2
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2012
dei Document Period End Date
DocumentPeriodEndDate
2011-12-31
dei Document Type
DocumentType
10-Q
dei Entity Central Index Key
EntityCentralIndexKey
0001299709
CY2012Q1 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
11422266 shares
dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
dei Entity Registrant Name
EntityRegistrantName
BofI Holding, Inc.

Files In Submission

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0001299709-12-000007-index-headers.html Edgar Link pending
0001299709-12-000007-index.html Edgar Link pending
0001299709-12-000007.txt Edgar Link pending
0001299709-12-000007-xbrl.zip Edgar Link pending
bofi-20111231.xml Edgar Link completed
bofi-20111231.xsd Edgar Link pending
bofi-20111231_cal.xml Edgar Link unprocessable
bofi-20111231_def.xml Edgar Link unprocessable
bofi-20111231_lab.xml Edgar Link unprocessable
bofi-20111231_pre.xml Edgar Link unprocessable
bofi12312011-10q.htm Edgar Link pending
bofi12312011-10qex311.htm Edgar Link pending
bofi12312011-10qex312.htm Edgar Link pending
bofi12312011-10qex321.htm Edgar Link pending
bofi12312011-10qex322.htm Edgar Link pending
bofiholdinghoriz400.jpg Edgar Link pending
FilingSummary.xml Edgar Link unprocessable
Financial_Report.xls Edgar Link pending
R1.htm Edgar Link pending
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R11.htm Edgar Link pending
R12.htm Edgar Link pending
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