Business Context and Reporting Period
This Form 8-K was filed by B of I Holding, Inc. on March 18, 2009. The filing serves as a Regulation FD disclosure to present a slide show at the B. Riley & Co. 10th Annual Investor Conference scheduled for March 19, 2009. The information presented in the attached materials is as of March 13, 2009.
Key Financial Metrics
The filing text does not provide specific values for revenue, profit, cash flow, margins, debt, or liquidity. The document acts as a conduit for presentation materials rather than a standalone financial report containing numerical data.
Material Changes
No material changes to financial performance or operations are detailed in the text of this filing. The document references the attached slide show for specific data but does not summarize comparative period changes within the filing itself.
Guidance, Outlook, and Risks
- Forward-Looking Statements: The filing includes a Safe Harbor Statement noting that the presentation contains forward-looking statements regarding expectations and predictions.
- Risks: Actual results could differ materially from projections due to factors including "Risk Factors" and other items disclosed in the company's SEC filings.
- Limitations: The company explicitly states it does not assume an obligation to update the information provided in the presentation materials in the future.
Investor Verification Checklist
- Verify the specific financial data and projections contained in the attached Exhibit 99.1 (B. Riley & Co. 10th Annual Investor Conference slide show), as this filing only incorporates them by reference.
- Review the company's most recent 10-K or 10-Q filings to identify the specific "Risk Factors" referenced in the Safe Harbor Statement.
- Confirm the date of the data (March 13, 2009) to ensure it aligns with current market conditions, noting the company's disclaimer regarding future updates.