Business Context and Reporting Period
This Form 8-K is a current report filed by BofI Holding, Inc. (parent of Bank of Internet USA) on May 11, 2011. The filing discloses a presentation made at the D.A. Davidson 13th Annual Financial Services Conference in Seattle, Washington. The information presented is as of May 10, 2011.
Key Financial Metrics
The filing text does not provide specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. The document serves solely to disclose the existence of a slide show presentation containing such data, which is incorporated by reference but not detailed within the text of this report.
Material Changes
No material changes to financial performance or operations are described in the text of this filing. The report focuses on the dissemination of information via a conference presentation rather than reporting specific operational or financial variances.
Guidance, Outlook, and Risks
- Forward-Looking Statements: The presentation includes expectations and predictions about the future, which are covered by safe harbor provisions.
- Risks: Actual results could differ materially from projections due to factors outlined in the "Risk Factors" section of other SEC filings.
- Update Obligation: The registrant explicitly states it does not assume any obligation to update the information presented in the slide show in the future.
- Legal Status: The information is not deemed "filed" for purposes of Section 18 of the Exchange Act and is not incorporated by reference into Securities Act filings except as expressly set forth.
Investor Verification Checklist
- Verify the content of the slide show presentation attached as Exhibit 99.1 at the company's website (http://www.bofiholding.com).
- Review the "Risk Factors" in the company's most recent 10-K or 10-Q to understand potential variances from forward-looking statements.
- Confirm that the presentation data is not considered a formal filing under Section 18 of the Exchange Act.
- Note that the company has disclaimed any obligation to update the May 10, 2011 data.