BofI Holding Co., parent of BofI Federal Bank, reported fiscal fourth quarter net profit of $8.2 million, compared with net profit of $5.5 million for the like quarter of 2011.

For the full year ended June 30, BofI Holding reported net income of $28.2 million, or $2.33 per diluted share, compared with net income of $20.3 million or $1.87 per diluted share for its 2011 fiscal year.

CEO Greg Garrabrants said the profits for both the quarter and fiscal year were records, and that the bank’s loan portfolio grew 30 percent year-over-year.

BofI, formerly called Bank of Internet USA, said its average earning assets increased by nearly $500 million to $2.38 billion, while its net interest margin rose to 3.8 percent, compared to 3.69 percent at the end of the 2011 fiscal year.

BofI’s nonperforming assets, its problem loans and foreclosed real estate, stood at 0.77 percent of total assets or $18.4 million, compared to 0.99 percent of total assets at the end of June 2011.

All of the bank’s capital ratios exceed levels prescribed as a well-capitalized bank, with total risk-based capital at 14.32 percent, up from 13.01 percent at the end of June 2011, above the 10 percent threshold for that measure.

Shares of BofI, traded under BOFI on Nasdaq, rose to above $23 shortly after the bank reported its financials, but lost a bit and closed at $22.72 on Aug. 27 and $22.59 on Aug. 28. The stock has risen 57 percent over the past year.