Peer Analysis

Performance Ratios (%) BOFI Peer Median Peer Average
ROAA 1.67 0.85 0.75
ROAE 17.29 7.34 6.60
Net Interest Margin 3.98 3.17 3.48
Efficiency Ratio 36.65 74.08 73.59
Loans / Deposits 105.24 91.47 90.86
Asset Quality Ratios (%)
NPAs / Assets 0.39 0.83 1.10
NCOs / Avg Loans 0.05 (0.05) (0.05)
Reserves / Loans 0.56 1.21 1.05
Reserves / NPAs 125.71 89.72 87.57
Capital Ratios (%)
Tier 1 Capital 15.19 17.46 21.30
Tangible Equity / Tangible Assets 10.10 11.13 11.88
Total Equity / Total Assets 10.10 11.66 12.32
Market Ratios
Price / Earnings (x) 11.97 17.98 21.26
Price / Book (%) 188.39 131.22 142.28
Dividend Yield (%) 0.00 1.74 2.01
Data for trailing four quarters

BofI Holding, Inc.'s peer group consists of the following: Banc of California, Inc. (BANC), Broadway Financial Corporation (BYFC), First Financial Northwest, Inc. (FFNW), Home Federal Bancorp, Inc. (HOME), Provident Financial Holdings, Inc. (PROV), Riverview Bancorp, Inc. (RVSB), Simplicity Bancorp, Inc. (SMPL), Territorial Bancorp Inc. (TBNK), Timberland Bancorp, Inc. (TSBK)

BofI Holding, Inc.'s financial data is as of 9/30/2017.

Peer financial data is as of 9/30/2017 except for these companies:

Simplicity Bancorp, Inc.'s financial data is as of 12/31/2014.
Home Federal Bancorp, Inc.'s financial data is as of 3/31/2014.