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FR BHCPR

Board of Governors of the Federal Reserve System

Bank Holding Company Performance Report September 30, 2014
BHC Name

WILSHIRE BANCORP, INC.

City/State

LOS ANGELES, CA

Bank Holding Company Information

Table of Contents

RSSD Number: 3248513
Federal Reserve District: 12
Consolidated Assets ($000): 3,935,793
Peer Group Number: 2
Number in Peer Group: 132
Number of Bank Subsidiaries: 1

Section

Peer Group
Number

1
2
3
4
5
6
7
9

Description

Consolidated assets equal to or greater than $10 billion
Consolidated assets between $3 billion and $10 billion
Consolidated assets between $1 billion and $3 billion
Consolidated assets between $500 million and $1 billion
Consolidated assets less than $500 million (starting March 2006 includes former
peer group 6)
Consolidated assets less than $300 million (valid only prior to March 2006. Starting March
2003 includes former peer group 7)
Consolidated assets less than $150 million (valid only prior to March 2003)
Atypical and second-tier bank holding companies

ADDRESS:
WILSHIRE BANCORP, INC.
3200 WILSHIRE BOULEVARD
LOS ANGELES, CA 90010

NOTE: This report, which is prepared by the Federal Reserve Board's Division of Banking Supervision
and Regulation, is used by the Federal Reserve System in carrying out its supervisory responsibilities. All
information contained herein was obtained from sources deemed reliable. However, no guarantee is given
as to the accuracy of the data or of the calculations derived therefrom. The data and calculations in this
report do not indicate approval or disapproval of any particular institution's performance and are not to be
construed as a rating of any institution by the Federal Reserve System. Users are cautioned that any conclusions drawn from this report are their own and are not to be attributed to the Federal Reserve System.
Questions regarding the contents of this report should be directed to the nearest Federal Reserve Bank.

Page Number

Summary Ratios ................................................................................................................................. 1
CONSOLIDATED INFORMATION:
Income Statement - Revenues and Expenses ............................................................................ 2
Relative Income Statement and Margin Analysis ........................................................................ 3
Non-Interest Income and Expenses ............................................................................................ 4
Assets..........................................................................................................................................5
Liabilities and Changes in Capital ............................................................................................... 6
Percent Composition of Assets ................................................................................................... 7
Loan Mix and Analysis of Concentrations of Credit ...................................................................7A
Liquidity and Funding .................................................................................................................. 8
Derivatives and Off-Balance-Sheet Transactions........................................................................ 9
Derivative Instruments...............................................................................................................10
Derivatives Analysis .................................................................................................................. 11
Allowance and Net Loan and Lease Losses ............................................................................. 12
Past Due and Nonaccrual Assets .............................................................................................. 13
Past Due and Nonaccrual Loans and Leases .........................................................................13A
Past Due and Nonaccrual Loans and Leases—Continued .....................................................13B
Risk-Based Capital .................................................................................................................... 14
Regulartory Capital Components and Ratios: Advanced Approaches Institutions Only .........14A
Insurance and Broker-Dealer Activities ..................................................................................... 15
Foreign Activities ....................................................................................................................... 16
Servicing, Securitization and Asset Sale Activities–Part 1 ........................................................ 17
Servicing, Securitization and Asset Sale Activities–Part 2 ........................................................ 18
Servicing, Securitization and Asset Sale Activities–Part 3 ........................................................ 19
PARENT COMPANY INFORMATION:
Parent Company Income Statement ......................................................................................... 20
Parent Company Balance Sheet ............................................................................................... 21
Parent Company Analysis–Part 1..............................................................................................22
Parent Company Analysis–Part 2..............................................................................................23
Public versions of individual BHC reports are available on the FFIEC web site: www.ffiec.gov/
nicpubweb/nicweb/nichome.aspx. For information on ordering individual or peer group reports or the
User's Guide, contact the Board of Governors of the Federal Reserve System, Publications Services
at (202) 452-3245.

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 1

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Summary Ratios
09/30/2014
3,665,284
42,906
132

Average assets ($000) ...........................................................................................
Net income ($000) ..................................................................................................
Number of BHCs in peer group ..............................................................................
BHC
EARNINGS AND PROFITABILITY
PERCENT OF AVERAGE ASSETS:
Net interest income (TE) ...................................................................................
+ Non-interest income ......................................................................................
– Overhead expense ........................................................................................
– Provision for loan and lease losses ...............................................................
+ Securities gains (losses) ................................................................................
+ Other tax equiv adjustments ..........................................................................
= Pretax net oper income (TE) .........................................................................
Net operating income........................................................................................
Net income........................................................................................................
Net income (sub S adjusted) ............................................................................
PERCENT OF AVG EARNING ASSETS:
Interest income (TE) .........................................................................................
Interest expense ...............................................................................................
Net interest income (TE) ...................................................................................
LOSSES, ALLOW, AND PAST DUE + NONACCR:
Net Ln&Ls losses / Avg loans & leases ............................................................
Earnings coverage of net losses (X) .................................................................
Ln&Ls allowance / Total Lns&Ls not held-for-sale ............................................
Ln&Ls allowance / Total loans & leases............................................................
Nonaccr Lns&Ls + ORE / Lns&Ls + ORE.........................................................
30–89 days PD Lns&Ls / Total Lns&Ls (confidential prior to March 2001) .......
LIQUIDITY AND FUNDING:
Net noncore funding dependence.....................................................................
Net ST noncore funding dependence ...............................................................
Net loans and leases/total assets .....................................................................
CAPITALIZATION:
Tier 1 leverage ratio ..........................................................................................
Equity capital / Total assets ..............................................................................
Equity capital + minority int/total assets ............................................................
Tier 1 Common Eq Cap / T RWA ......................................................................
Net Loans&Ls / Equity capital (X) .....................................................................
Cash dividends / Net income ............................................................................
Cash dividends / Net income (sub S adj)..........................................................
Retained earnings / Avg equity cap .................................................................
GROWTH RATES:
Assets ...............................................................................................................
Equity capital ....................................................................................................
Net loans and leases ........................................................................................
Noncore funding ...............................................................................................
PARENT COMPANY RATIOS:
Short-term debt / Equity capital .......................................................................
Long-term debt / Equity capital .........................................................................
Equity investment in subs / Equity cap .............................................................
Cash FR op + noncash + op exp / Op exp + div ...............................................

09/30/2013

Peer 2

Pct

12/31/2013

2,759,911
34,462
350

BHC

Peer 3

Pct

2,896,251
45,375
126

BHC

Peer 2

12/31/2011

12/31/2012

Pct

2,753,230
-30,329
303

2,590,684
92,305
352

BHC

Peer 3

Pct

BHC

Peer 3

Pct

3.98
1.09
2.68
0.00
0.00
0.00
2.40
1.56
1.56

3.29
1.04
2.95
0.10
0.02
0.00
1.40
0.93
0.93
1.44

86
60
39
18
21
80
92
89
89

3.81
1.19
2.53
0.00
0.00
0.00
2.48
1.66
1.66

3.32
1.06
3.11
0.13
0.03
0.00
1.25
0.91
0.91
0.98

79
66
23
16
37
50
95
90
90

3.86
1.17
2.66
0.00
0.00
0.00
2.36
1.57
1.57

3.25
1.25
3.16
0.15
0.02
0.00
1.37
1.04
1.04
1.52

81
57
33
18
33
47
91
84
84

3.89
1.10
2.79
-1.22
0.00
0.00
3.43
3.56
3.56

3.38
1.03
3.17
0.31
0.06
0.00
1.11
0.79
0.79
0.91

83
62
35
0
25
43
98
98
98

3.93
0.70
2.31
2.16
0.00
-0.03
0.12
-1.10
-1.10

3.46
0.93
3.12
0.58
0.05
0.01
0.86
0.57
0.57
0.73

81
38
14
94
34
3
17
8
8

4.80
0.50
4.30

4.09
0.47
3.59

87
66
84

4.51
0.49
4.03

4.17
0.55
3.60

75
43
75

4.57
0.49
4.08

4.13
0.52
3.57

74
51
77

4.80
0.69
4.11

4.43
0.71
3.69

77
48
78

5.13
0.89
4.24

4.75
0.96
3.77

78
43
79

0.02
146.20
1.68
1.67
2
0.26

0.15
17.74
1.31
1.29
1.52
0.44

20
92
80
80
74
28

0.65
4.65
2.33
2.27
2.15
0.23

0.25
14.22
1.65
1.63
2.38
0.53

87
39
83
82
58
28

0.42
6.96
1.88
1.85
1.97
0.20

0.29
17.49
1.48
1.46
1.97
0.63

77
38
74
72
62
13

0.39
6.96
3.07
2.87
2.06
0.20

0.59
8.54
1.84
1.80
3.07
0.71

49
60
87
86
46
17

3.03
0.93
4.91
4.79
3.18
0.81

0.94
4.61
2.04
2.01
4
0.90

92
23
96
96
50
52

31.94
21.81
79.28

16.80
8.56
67.55

86
90
86

29.24
28.03
79.60

13.89
5.24
63.73

88
98
94

30.80
27.83
78.46

15.93
7.58
64.75

84
92
92

25.75
23.66
77.94

13.14
4.57
62.12

83
97
91

25.59
22.30
75.96

15.79
6.08
62.29

78
93
92

12.72
12.09
12.09
12.25
6.56
27.35

85
57
56
49
65
43

14.83
12.86
12.86
15.59
6.19
12.32

13.32
12.14
12.14
12.29
6.46
14.51

14.87
12.45
12.45
15.59
6.26
0.90

13.86
11.48
11.48
12.37
6.62

10.26

82

29.74

99

-12.65

9.53
9.50
9.53
11.36
6.86
23.91
7.55
3.82

92
79
79
62
47

87

9.74
9.87
9.99
11.73
6.56
25.79
5.64
5.33

93
82
81
84
44
23

11.26

10.37
11.25
11.37
12.62
5.91
29.52
57.94
6.12

88
64
62
45
64
35

85

9.98
9.90
10
12.22
6.62
22.55
21.35
6.56

95
85
84
82
41
40

8.96

10.29
11.36
11.47
12.39
6.08
28.85
25.51
5.45

38.95
30.58
38.38
54.64

11.28
13.53
15.83
11.04

87
86
86
90

8.28
10.81
10.30
35.12

5.05
3.30
7.41
0.19

70
81
67
90

31.63
28.33
32.50
50.44

6.39
8.41
8.51
4.99

92
86
92
93

2
10.61
4.66
2.29

5.78
6.68
5.60
-5.24

30
74
49
72

-9.21
35.09
-12.67
-17.53

3.99
9.72
0.18
-8.32

7
91
10
26

0.00
0.00
111.16
15.97

0.00
2.18
103.43
122.44

46
35
77
13

0.00
0.00
98.81
1,275.11

0.06
1.44
106.73
127.75

44
36
28
97

0.00
0.00
109.45
1,323.98

0.01
1.74
103.93
137.48

46
36
68
97

0.00
0.00
115.01
1,576.92

0.12
1.44
108.60
119.06

43
36
67
98

0.00
0.00
121.91
13.95

0.14
1.50
110.87
98

43
36
75
16

9

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 2

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Income Statement—Revenues and Expenses
09/30/2014

09/30/2013

12/31/2012

12/31/2013

12/31/2011

Percent Change
1-yr
5-yr

($000)
Interest and fees on loans .....................................................
Income from lease financing receivables ..............................
Fully taxable income on loans and ls ...............................
Tax exempt income on loans and ls.................................
Est tax benefit on inc on loans & ls ..................................
Income on loans and leases (TE) ..............................
Investment interest income (TE)............................................
Interest on due from depository inst ......................................
Interest income on other earning assets ...............................
Total interest income (TE) ................................................

114,332
0
114,332
0
0
114,332
6,663
305
913
122,213

82,084
0
82,084
0
0
82,084
5,918
120
381
88,503

116,134
0
116,134
0
0
116,134
8,177
179
594
125,084

110,572
0
110,572
0
0
110,572
6,991
219
158
117,940

122,642
0
122,642
0
0
122,642
8,094
0
197
130,933

Interest on time deposits of $100K or more...........................
Interest on time deposits < $100K .........................................
Interest on foreign office deposits..........................................
Interest on other deposits ......................................................
Interest on other borrowings & trad liab.................................
Interest on sub debt & mand conv sec ..................................
Total interest expense ......................................................

4,456
1,325
0
5,362
1,574
0
12,717

2,916
1,341
0
4,265
1,027
0
9,549

4,293
1,816
0
5,859
1,442
0
13,410

4,965
2,843
0
7,213
1,765
269
17,055

Net interest income (TE) ..................................................
Non-interest income ..............................................................
Adjusted operating income (TE) ......................................

109,496
30,099
139,595

78,954
24,652
103,606

111,674
33,775
145,449

Overhead expense ................................................................
Provision for loan and lease losses .......................................
Securities gains (losses)........................................................
Other tax equivalent adjustments ..........................................
Pretax net operating income (TE) ....................................

73,723
0
0
1
65,873

52,382
0
15
0
51,239

Applicable income taxes ........................................................
Tax equivalent adjustments ...................................................
Applicable income taxes (TE) ..........................................
Minority interest .....................................................................
Net operating income.......................................................
Net extraordinary gains (losses) ............................................
Net income ............................................................................

22,446
521
22,967
0
42,906
0
42,906

MEMORANDA:
Net inc–BHC & noncontrol (minority) int ................................
Investment securities income (TE) ........................................
U.S. Treasury and agency sec (excl MBS) ......................
Mortgage-backed securities.............................................
All other securities ...........................................................
Cash dividends declared .......................................................
Common ..........................................................................
Preferred ..........................................................................

39.29

11.67

39.29

11.67

39.29
12.59
154.17
139.63
38.09

11.67
-39.49
137.76
7.41

6,342
4,334
0
7,865
3,900
346
22,787

52.81
-1.19

-76.78
-78.20

25.72
53.26
33.18

-49.82
-78.76
-100
-70.89

100,885
28,545
129,430

108,146
19,196
127,342

38.68
22.10
34.74

56.20
-20.99
29.02

77,057
0
19
0
68,411

72,236
-31,600
3
0
88,797

63,625
59,603
99
-914
3,299

40.74
-100

79.40
-100
-100

28.56

154.33

16,207
570
16,777
0
34,462
0
34,462

22,281
755
23,036
0
45,375
0
45,375

-4,333
825
-3,508
0
92,305
0
92,305

33,625
3
33,628
0
-30,329
0
-30,329

38.50
-8.60
36.90

127.81

24.50

167.36

24.50

167.36

42,906
6,663
792
3,844
2,027

34,462
5,918
475
3,196
2,247

45,375
8,177
679
4,523
2,975

92,305
6,991
102
3,909
2,980

-30,329
8,094
566
4,934
2,594

24.50
12.59
66.74
20.28
-9.79

167.36
-39.49
20.36
-58.58
88.91

11,733
11,733
0

4,244
4,244
0

6,586
6,586
0

831
0
831

3,108
0
3,108

176.46
176.46

74
165.93
-100

133.10

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 3

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Relative Income Statement and Margin Analysis
09/30/2014
BHC
Peer 2

Pct

09/30/2013
BHC
Peer 3

Pct

12/31/2013
BHC
Peer 2

Pct

BHC

12/31/2012
Peer 3

Pct

BHC

12/31/2011
Peer 3

Pct

PERCENT OF AVERAGE ASSETS:
Interest income (TE) ...............................................................................................
Less: Interest expense...........................................................................................
Equals: Net interest income (TE) ...........................................................................
Plus: Non-interest income......................................................................................
Equals: Adj operating income (TE) ........................................................................
Less: Overhead Expense ......................................................................................
Less: Provision for loan & lease losses .................................................................
Plus: Realized G/L on HTM securities ...................................................................
Plus: Realized G/L on AFS securities ....................................................................
Plus: Other tax equiv adjustments .........................................................................
Equals: Pretax net oper income (TE).....................................................................

4.45
0.46
3.98
1.09
5.08
2.68
0.00
0.00
0.00
0.00
2.40

3.73
0.43
3.29
1.04
4.42
2.95
0.10
0.00
0.02
0.00
1.40

89
68
86
60
78
39
18
51
21
80
92

4.28
0.46
3.81
1.19
5.01
2.53
0.00
0.00
0.00
0.00
2.48

3.85
0.51
3.32
1.06
4.44
3.11
0.13
0.00
0.03
0.00
1.25

80
44
79
66
75
23
16
49
38
50
95

4.32
0.46
3.86
1.17
5.02
2.66
0.00
0.00
0.00
0.00
2.36

3.75
0.48
3.25
1.25
4.62
3.16
0.15
0.00
0.02
0.00
1.37

80
54
81
57
72
33
18
50
29
47
91

4.55
0.66
3.89
1.10
5
2.79
-1.22
0.00
0.00
0.00
3.43

4.06
0.65
3.38
1.03
4.48
3.17
0.31
0.00
0.06
0.00
1.11

85
51
83
62
73
35
0
48
26
43
98

4.76
0.83
3.93
0.70
4.63
2.31
2.16
0.00
0.00
-0.03
0.12

4.36
0.88
3.46
0.93
4.43
3.12
0.58
0.00
0.05
0.01
0.86

81
44
81
38
63
14
94
50
33
3
17

Less: Applicable income taxes (TE).......................................................................
Less: Minority interest ............................................................................................
Equals: Net operating income................................................................................

0.84
0.00
1.56

0.46
0.00
0.93

90
44
89

0.81
0.00
1.66

0.34
0.00
0.91

96
47
90

0.80
0.00
1.57

0.41
0.00
1.04

89
42
84

-0.14
0.00
3.56

0.32
0.00
0.79

4
47
98

1.22
0.00
-1.10

0.28
0.00
0.57

97
47
8

Plus: Net extraordinary items.................................................................................
Equals: Net income................................................................................................
Memo: Net income (last four qtrs) .........................................................................
Net inc–BHC & noncontrol (minority) interest .........................................................

0.00
1.56
1.51
1.56

0.00
0.93
0.92
0.94

50
89
87
89

0.00
1.66
1.83
1.66

0.00
0.91
0.88
0.92

49
90
93
90

0.00
1.57
1.57
1.57

0.00
1.04
1.04
1.04

50
84
84
84

0.00
3.56
3.56
3.56

0.00
0.79
0.80
0.79

50
98
98
98

0.00
-1.10
-1.10
-1.10

0.00
0.57
0.57
0.57

49
8
9
8

MARGIN ANALYSIS:
Avg earning assets / Avg assets .......................................................................
Avg int-bearing funds / Avg assets ...................................................................
Int income (TE) / Avg earning assets ................................................................
Int expense / Avg earning assets ......................................................................
Net int inc (TE) / Avg earning assets ................................................................

92.61
63.46
4.80
0.50
4.30

91.74
70.11
4.09
0.47
3.59

58
20
87
66
84

94.74
64.52
4.51
0.49
4.03

92.46
74.06
4.17
0.55
3.60

77
14
75
43
75

94.55
65.08
4.57
0.49
4.08

91.30
71.18
4.13
0.52
3.57

79
20
74
51
77

94.77
68.61
4.80
0.69
4.11

92.03
75.01
4.43
0.71
3.69

83
24
77
48
78

92.66
72.25
5.13
0.89
4.24

91.92
77.22
4.75
0.96
3.77

55
26
78
43
79

5.15
0.46
0.22

75
86
57

4.92
0.31
0.00

4.97
0.33
0.07

5.28
0.26
0.00

5.51
0.00
11.30

4.54

75

4.77

81

5.10

5.65
0.29
0.19
0.95
4.66

41
2
98

78

5.41
0.26
0.22
1.13
4.34

44
55
10

4.48

4.96
0.28
0.31
1.22
4.06

55
74
28

87

5.10
0.26
0.20
0.78
4.08

43
69
14

4.78

4.76
0.28
0.25
2
4.02

Investment securities (TE) ......................................................................................
U.S. Treasury & agency sec (excl MBS)...........................................................
Mortgage-backed securities..............................................................................
All other securities ............................................................................................

2.58
1.47
2.36
4.99

2.53
1.56
2.31
4.11

55
48
60
71

2.50
1.65
1.98
4.55

2.33
1.38
2.03
3.90

64
67
51
65

2.53
1.51
2.07
4.57

2.46
1.51
2.11
4.28

57
55
58
56

2.42
1.31
1.76
4.59

2.63
1.56
2.41
4.40

41
38
21
55

2.51
4.99
1.85
5.50

3.14
2.02
3.02
5.01

20
97
10
63

Interest-bearing deposits ........................................................................................
Time deposits of $100K or more .......................................................................
Time deposits < $100K .....................................................................................
Other domestic deposits ...................................................................................
Foreign deposits ...............................................................................................

0.54
0.65
0.73
0.77

0.41
0.83
0.79
0.24
0.23

75
24
43
96

0.56
0.64
0.80
0.76

0.51
0.97
1
0.25
1.05

61
18
30
97

0.56
0.65
0.80
0.75

0.46
0.94
0.92
0.25
0.29

70
18
41
94

0.73
0.81
0.96
0.97

0.66
1.17
1.24
0.31
1.43

60
20
24
98

0.89
0.95
1.10
1.10

0.91
1.45
1.62
0.46
1.42

45
15
14
97

Fed funds purchased and repos .............................................................................
Other borrowed funds & trading liab .......................................................................
All interest-bearing funds ........................................................................................

0.31
0.23
0.73

0.58
1.75
0.54

59
9
81

0.00
0.17
0.72

0.48
2.34
0.66

6
3
59

0.31
0.16
0.71

0.58
2.21
0.60

56
4
69

0.00
0.18
0.96

0.64
2.76
0.83

7
3
66

0.39
1.43
1.15

0.81
3.06
1.13

41
11
50

YIELD OR COST:
Total loans and leases (TE) ....................................................................................
Interest-bearing bank balances ..............................................................................
Fed funds sold & reverse repos..............................................................................
Trading assets ........................................................................................................
Total earning assets................................................................................................

83

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 4

3248513

City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Non-interest Income & Expenses
09/30/2014

09/30/2013

12/31/2013

12/31/2012

12/31/2011

NON-INTEREST INCOME & EXPENSES: ($000)
Total non-interest income .......................................................................................
Fiduciary activities income ................................................................................
Service charges on dep accts - domestic .........................................................
Trading revenue ................................................................................................
Investment banking fees and commissions ......................................................
Insurance activities revenue .............................................................................
Venture capital revenue ....................................................................................
Net servicing fees .............................................................................................
Net securitization income..................................................................................
Net gain (loss) - sales of lns, OREO, oth ..........................................................
Other non-interest income ................................................................................
Total overhead expenses........................................................................................
Personnel expense ...........................................................................................
Net occupancy expense ...................................................................................
Goodwill impairment losses ..............................................................................
Amortization exp & impairmt loss (oth) .............................................................
Other operating expenses ................................................................................

30,099
0
9,563
0
0
153
0
3,722
0
11,134
5,527
73,723
37,789
10,123
0
692
25,119

24,652
0
8,450
0
0
116
0
3,205
0
9,618
3,263
52,382
27,100
6,139
0
210
18,933

33,775
0
11,465
0
0
176
0
4,061
0
13,638
4,435
77,057
40,632
8,851
0
358
27,216

28,545
0
12,724
0
0
186
0
4,313
0
6,852
4,470
72,236
34,202
7,875
0
284
29,875

19,196
0
12,700
0
0
202
0
3,659
0
-2,357
4,992
63,625
28,391
7,826
0
325
27,083

Fee income on mutual funds & annuities ...............................................................

0

0

0

0

0

MEMORANDA:
Assets under mgmt proprty mut fnds & annuit .......................................................
Number of equivalent employees ...........................................................................
Average personnel expense per employee ............................................................
Average assets per employee ................................................................................

0
541
69.85
6,775.02

0
408
66.42
6,764.49

0
545
74.55
5,314.22

0
412
83.01
6,288.07

0
372
76.32
7,401.16

BHC
ANALYSIS RATIOS:
Mutual fund fee inc / Non-int income ......................................................................
Overhead exp / NII + non-int income......................................................................
PERCENT OF AVERAGE ASSETS:
Total overhead expense....................................................................................
Personnel expense .....................................................................................
Net occupancy expense..............................................................................
Other operating expenses...........................................................................
Overhead less non-interest income ..................................................................
PERCENT OF ADJ OPER INCOME (TE):
Total overhead expense....................................................................................
Personnel expense .....................................................................................
Net occupancy expense..............................................................................
Other operating expenses...........................................................................
Total non-interest income..................................................................................
Fiduciary activities income ..........................................................................
Serv charges dom deposit accts .................................................................
Trading revenue ..........................................................................................
Investment banking fees & commissns.......................................................
Insurance activities revenue .......................................................................
Venture capital revenue ..............................................................................
Net servicing fees .......................................................................................
Net securitization income ............................................................................
Net gain (loss) - sales lns, OREO, oth ........................................................
Other non-interest income ..........................................................................
Overhead less non-interest income ..................................................................
Appl inc taxes / Pretax NOI (TE) ............................................................................
Appl inc tax + TE / Pretax NOI + TE .......................................................................

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 3

Pct

0.00
53.01

3.05
67.77

13
11

0.00
50.84

1.82
71.01

22
5

0.00
53.26

2.88
68.85

12
11

0.00
56.17

1.69
71.63

22
13

0.00
50.33

2.15
71.59

20
6

2.68
1.37
0.37
0.94
1.59

2.95
1.55
0.37
1
1.81

39
34
48
57
34

2.53
1.31
0.30
0.92
1.34

3.11
1.70
0.39
1
1.96

23
19
25
46
15

2.66
1.40
0.31
0.95
1.49

3.16
1.63
0.39
1.10
1.79

33
40
24
47
33

2.79
1.32
0.30
1.16
1.69

3.17
1.68
0.39
1.06
2.04

35
20
28
67
29

2.31
1.03
0.28
1
1.61

3.12
1.58
0.39
1.12
2.13

14
6
20
44
22

52.81
27.07
7.25
18.49
21.56
0.00
6.85
0.00
0.00
0.11
0.00
2.67
0.00
7.98
3.96
31.25
34.07
34.87

66.67
35.41
8.53
21.84
22.57
1.74
4.80
0.07
1.27
0.73
0.00
0.35
0.00
1.90
7.96
42.54
27.93
33.71

11
13
28
37
47
19
75
38
9
57
50
93
48
89
21
18
72
44

50.56
26.16
5.93
18.48
23.79
0.00
8.16
0.00
0.00
0.11
0.00
3.09
0.00
9.28
3.15
26.76
31.63
32.74

69.82
38.59
8.81
22.12
23.08
1.51
5.13
0.01
0.71
0.52
0.00
0.49
0.00
2.90
7.67
45.81
21.65
28.79

5
5
15
31
54
24
81
45
16
65
49
92
49
88
13
9
70
43

52.98
27.94
6.09
18.96
23.22
0.00
7.88
0.00
0.00
0.12
0.00
2.79
0.00
9.38
3.05
29.76
32.57
33.67

67.79
35.33
8.46
22.91
25.62
1.73
5.12
0.10
1.15
0.81
0.00
0.50
0.00
2.78
8.27
40.79
25.81
31.08

12
14
14
31
41
17
79
41
9
53
48
90
50
88
15
20
66
36

55.81
26.43
6.08
23.30
22.05
0.00
9.83
0.00
0.00
0.14
0.00
3.33
0.00
5.29
3.45
33.76
-4.88
-3.95

70.49
37.81
8.77
23.55
22.12
1.44
5.49
0.00
0.66
0.51
0.00
0.30
0.00
2.48
7.99
47.59
21.19
28.09

13
7
15
58
51
23
86
46
16
64
49
96
49
76
11
19
4
3

49.96
22.30
6.15
21.52
15.07
0.00
9.97
0.00
0.00
0.16
0.00
2.87
0.00
-1.85
3.92
34.89
1,019.25
1,019.34

70.37
36.05
8.97
25.25
20.23
1.63
6.13
0.00
0.70
0.58
0.00
0.25
0.00
0.23
8.12
49.72
18.57
28.48

7
4
14
40
30
20
83
48
13
64
49
97
49
21
16
18
99
99

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 5

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Assets
($000)
Real estate loans ...................................................................
Commercial and industrial loans ...........................................
Loans to individuals ...............................................................
Loans to depository inst & oth banks accept .........................
Agricultural loans ...................................................................
Other loans and leases..........................................................
Less: Unearned income ........................................................
Loans & leases, net of unearned income ........................
Less: Allow for loan & lease losses.......................................
Net loans and leases .......................................................
Debt securities over 1 year ....................................................
Mutual funds and equity securities ........................................
Subtotal............................................................................
Interest-bearing bank balances .............................................
Federal funds sold & reverse repos.......................................
Debt securities 1 year or less ................................................
Trading assets .......................................................................
Total earning assets .........................................................
Non-int cash and due from dep inst.......................................
Premises, fixed assets, & cap leases ....................................
Other real estate owned ........................................................
Invest in unconsolidated subsidiaries ....................................
Intangible and other assets ...................................................
Total assets ......................................................................
Quarterly average assets ......................................................
Average loans and leases (YTD)...........................................
MEMORANDA:
Loans held-for-sale ................................................................
Loans not held-for-sale ..........................................................
RE loans secured by 1–4 family ............................................
Commercial real estate loans ................................................
Construction and land development ................................
Multifamily ........................................................................
Nonfarm nonresidential....................................................
RE loans secured by farmland ..............................................
Total investment securities ....................................................
U.S. Treasury securities...................................................
U.S. agency securities (excl MBS) ..................................
Municipal securities .........................................................
Mortgage-backed securities.............................................
Asset-backed securities ...................................................
Other debt securities........................................................
Mutual funds and equity securities ..................................
Available-for-sale securities...................................................
U.S. Treasury securities...................................................
U.S. agency securities (excl MBS) ..................................
Municipal securities .........................................................
Mortgage-backed securities.............................................
Asset-backed securities ...................................................
Other debt securities........................................................
Mutual funds and equity securities ..................................
Held-to-mat sec appreciation (depr) ......................................
Available-for-sale sec appr (depr) .........................................
Structured notes, fair value....................................................
Pledged securities .................................................................

09/30/2014

09/30/2013

12/31/2013

12/31/2012

12/31/2011

2,642,503
426,942
11,015
0
0
102,414
9,619
3,173,255
53,116
3,120,139
337,586
0
3,457,725
107,543
0
28,308
0
3,593,576
75,064
11,569
6,565
2,476
246,543
3,935,793
3,753,608
2,958,759

1,892,023
328,259
9,637
55,000
0
29,011
6,780
2,307,150
52,397
2,254,753
289,224
0
2,543,977
22,680
0
36,538
0
2,603,195
70,222
11,169
748
1,857
145,319
2,832,510
2,798,894
2,225,418

2,407,896
404,512
12,187
30,000
0
47,668
7,864
2,894,399
53,563
2,840,836
315,238
0
3,156,074
60,759
16,420
37,235
0
3,270,488
84,494
13,311
7,600
2,476
242,599
3,620,968
3,305,270
2,336,790

1,840,224
300,963
13,674
55,000
0
2,306
4,826
2,207,341
63,285
2,144,056
293,148
0
2,437,204
56,242
0
39,406
0
2,532,852
62,258
11,238
2,080
1,857
140,574
2,750,859
2,599,471
2,095,140

1,689,507
277,514
15,080
170,000
0
3,817
4,433
2,151,485
102,983
2,048,502
294,604
0
2,343,106
80,278
0
25,527
0
2,448,911
74,972
12,335
8,222
2,321
150,088
2,696,849
2,670,003
2,227,286

16,236
3,157,019
184,780
2,457,723
66,567
113,672
2,277,484
0
365,894
0
90,736
26,687
227,826
0
20,645
0
365,866
0
90,736
26,687
227,798
0
20,645
0
1
2,381
72,767
340,197

56,065
2,251,085
146,834
1,745,189
51,095
40,913
1,653,181
0
325,762
0
36,173
27,509
222,394
0
39,686
0
325,724
0
36,173
27,509
222,356
0
39,686
0
2
83
35,718
295,790

47,557
2,846,842
160,386
2,247,510
65,645
104,519
2,077,346
0
352,473
0
61,081
25,596
226,266
0
39,530
0
352,438
0
61,081
25,596
226,231
0
39,530
0
2
-3,102
41,037
322,435

145,973
2,061,368
214,044
1,626,180
34,877
29,651
1,561,652
0
332,554
0
28,589
31,256
232,339
0
40,370
0
332,504
0
28,589
31,256
232,289
0
40,370
0
4
8,361
27,919
302,010

Percent Change
1-yr
5-yr
39.67
30.06
14.30
-100

30.93
3.25
-32.80
-100

253.02
41.87
37.54
1.37
38.38
16.72

4,039.61
82.32
26.16
-2.96
26.80
-35.20

35.92
374.18

15.97

-22.52

-100
-27

38.04
6.90
3.58
777.67
33.33
69.66
38.95
34.11
32.95

16.66
-46.96
-7.11
5.24
6.68
83.07
16.53
14.07
31.01

54,719
-71.04
2,096,766
40.24
25.84
130,684
1,558,823
40.83
30.28
61,832
45,749
177.84
1,451,242
37.76
0
320,131
12.32
0
1,118
150.84
34,294
-2.99
260,305
2.44
0
24,414
-47.98
0
320,065
12.32
0
150.84
1,118
34,294
-2.99
260,239
2.45
0
24,414
-47.98
0
4
-50
7,712 2,768.67
103.73
0
15.01
304,378

-45.84
27.02
132.88
26.76
-15.22
-2.39
30.59
-34.63
34.73
-37.53
-49.10
920.01
-34.62
34.73
-37.53
-49.10
920.01
0.00
-82.52
11.07
-36.79

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 6

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Liabilities and Changes in Capital
($000)
Demand deposits...................................................................
NOW, ATS and transaction accounts ....................................
Time deposits (excl brokered dep) < $100K ..........................
MMDA and other savings accounts .......................................
Other non-interest-bearing deposits ......................................
Core deposits...................................................................
Time deposits of $100K or more ...........................................
Foreign deposits ....................................................................
Federal funds purchased and repos ......................................
Secured federal funds purchased ....................................
Commercial paper .................................................................
Other borrowings w/rem mat of 1 yr or less...........................
Other borrowings w/rem mat over 1 year ..............................
Brokered deposits < $100K ...................................................
Noncore funding ..............................................................
Trading liabilities ....................................................................
Subordinated notes and debentures + TPS ..........................
Other liabilities .......................................................................
Total liabilities ........................................................................
Minority interest .....................................................................

09/30/2014

09/30/2013

12/31/2013

12/31/2012

12/31/2011

Percent Change
1-yr
5-yr

231,004
4,318
248,571
1,615,465
0
2,099,358
1,091,915
0
0
0
0
100,000
50,000
312
1,242,227
0
71,722
46,779
3,460,086
0

180,836
7,158
205,805
1,179,185
0
1,572,984
683,290
0
0
0
0
120,000
0
0
803,290
0
61,857
30,063
2,468,194
0

227,326
4,266
213,983
1,537,096
0
1,982,671
868,437
0
0
0
0
180,325
10,000
30,096
1,088,858
0
71,550
38,471
3,181,550
0

173,294
5,078
242,042
1,177,214
0
1,597,628
573,773
0
0
0
0
150,000
0
0
723,773
0
61,857
25,184
2,408,442
0

151,201
3,863
347,737
1,055,612
0
1,558,413
647,537
0
0
0
0
60,000
0
65
707,602
0
87,321
33,931
2,387,267
0

27.74
-39.68
20.78
37

42.50
-24.18
-52
53.48

33.46
59.80

20.78
18.85

-16.67

54.64

-50.98
-57.63
-98.28
-1.33

15.95
55.60
40.19

-17.86
126.58
11.43

EQUITY CAPITAL:
Perpetual preferred stock (incl surplus) .................................
Common stock.......................................................................
Common surplus ...................................................................
Retained earnings .................................................................
Less: Treasury stock .............................................................
Accumulated other comprehensive income...........................
Other equity capital components ...........................................
Total equity capital ...........................................................

0
215,705
21,558
240,770
5,549
3,223
0
475,707

0
146,620
20,297
201,033
5,549
1,915
0
364,316

0
214,845
20,540
209,605
5,549
-23
0
439,418

0
146,107
19,945
170,816
1,262
6,811
0
342,417

61,000
146,054
19,919
77,110
1,262
6,761
0
309,582

47.12
6.21
19.77
0.00
68.30

-100
479.28
15.46
61.31
339.70
-63.28

30.58

74.58

Total liabilities and capital ......................................................

3,935,793

2,832,510

3,620,968

2,750,859

2,696,849

38.95

16.53

MEMORANDA:
Non-interest-bearing deposits..........................................
Interest-bearing deposits .................................................
Total deposits .............................................................
LT debt that reprices in 1 year .........................................
Eq cap & noncontrol (minority) interest............................

920,899
2,270,686
3,191,585
0
475,707

658,520
1,597,754
2,256,274
0
364,316

840,786
2,040,418
2,881,204
0
439,418

590,594
1,580,807
2,171,401
0
342,417

515,173
1,690,842
2,206,015
10,000
309,582

39.84
42.12
41.45

144.70
-1.22
19.31

30.58

74.58

CHANGES IN EQUITY CAPITAL:
Equity capital, prev year-end as amended ......................
Accounting restatements .................................................
Net income.......................................................................
Net sale of new perpetual preferred stock .......................
Net sale of new common stock ........................................
Chgs incident to mergers and absorptions ......................
Less: Dividends declared ................................................
Change in other comprehensive income .........................
Sale of Treasury stock .....................................................
Less: Purchase of Treasury stock ...................................
Changes in debit to ESOP liability ...................................
Other adjustments to equity capital .................................
Equity capital, ending balance .........................................

439,418
0
42,906
0
1,870
0
11,733
3,246
0
0
0
0
475,707

342,417
0
34,462
0
864
0
4,244
-4,896
0
4,287
0
0
364,316

342,417
0
45,375
0
1,553
67,780
6,586
-6,834
0
4,287
0
0
439,418

309,582
0
92,305
-62,158
826
0
831
51
0
0
0
2,642
342,417

229,162
0
-30,329
0
109,109
0
3,108
4,748
0
0
0
0
309,582

BHC Name

WILSHIRE BANCORP, INC.

FR BHCPR
Page 7

RSSD Number 3248513
City/State

LOS ANGELES, CA

FR Dist:

12

Peer: 2

Percent Composition of Assets
09/30/2014
BHC
Peer 2

Pct

BHC

09/30/2013
Peer 3

Pct

12/31/2013
BHC
Peer 2

Pct

12/31/2012
BHC
Peer 3

Pct

BHC

12/31/2011
Peer 3

Pct

PERCENT OF TOTAL ASSETS:
Real estate loans ....................................................................................................
Commercial and industrial loans ............................................................................
Loans to individuals ................................................................................................
Loans to depository institutions and other bank acceptances ................................
Agricultural loans ....................................................................................................
Other loans and leases...........................................................................................
Net loans and leases ........................................................................................
Debt securities over 1 year .....................................................................................
Mutual funds and equity securities .........................................................................
Subtotal.............................................................................................................
Interest-bearing bank balances ..............................................................................
Federal funds sold & reverse repos........................................................................
Debt securities 1 year or less .................................................................................
Trading assets ........................................................................................................
Total earning assets ..........................................................................................
Non-int cash and due from dep inst........................................................................

67.14
10.85
0.28
0.00
0.00
2.60
79.28
8.58
0.00
87.85
2.73
0.00
0.72
0.00
91.31
1.91

49.24
10.86
2.45
0.00
0.47
2.22
67.55
16.49
0.10
85.17
2.87
0.06
1.91
0.04
91
1.41

86
58
23
43
19
66
86
16
17
61
59
31
42
34
52
77

66.80
11.59
0.34
1.94
0.00
1.02
79.60
10.21
0.00
89.81
0.80
0.00
1.29
0.00
91.90
2.48

49.84
8.58
1.72
0.00
0.71
1.11
63.73
19.50
0.10
84.48
3.92
0.10
1.84
0.00
91.27
1.80

90
72
24
99
16
63
94
20
22
81
24
29
47
45
56
79

66.50
11.17
0.34
0.83
0.00
1.32
78.46
8.71
0.00
87.16
1.68
0.45
1.03
0.00
90.32
2.33

46.82
10.72
2.45
0.01
0.43
2.01
64.75
17.18
0.10
83.57
3.03
0.08
2.21
0.07
90.18
1.59

90
59
24
97
19
48
92
12
15
64
44
90
46
32
49
84

66.90
10.94
0.50
2
0.00
0.08
77.94
10.66
0.00
88.60
2.04
0.00
1.43
0.00
92.07
2.26

48.70
8.36
1.76
0.00
0.66
1.07
62.12
19.46
0.09
82.78
5.08
0.16
1.82
0.00
90.94
1.95

90
72
28
99
16
22
91
23
23
81
32
28
52
45
63
66

62.65
10.29
0.56
6.30
0.00
0.14
75.96
10.92
0.00
86.88
2.98
0.00
0.95
0.00
90.81
2.78

48.22
8.80
1.96
0.00
0.69
1.06
62.29
19.67
0.08
82.92
4.67
0.19
1.75
0.00
90.74
1.81

87
66
25
99
14
21
92
22
23
71
44
27
44
46
47
84

Other real estate owned .........................................................................................
All other assets .......................................................................................................

0.17
6.79

0.30
7.43

54
42

0.03
5.62

0.52
6.81

17
31

0.21
7.35

0.38
8.02

52
43

0.08
5.66

0.66
6.98

20
32

0.30
6.41

0.84
7.29

37
42

MEMORANDA:
Short-term investments.....................................................................................
U.S. Treasury securities....................................................................................
U.S. agency securities (excl MBS) ...................................................................
Municipal securities ..........................................................................................
Mortgage-backed securities..............................................................................
Asset-backed securities ....................................................................................
Other debt securities.........................................................................................
Loans held-for-sale ...........................................................................................
Loans not held-for-sale .....................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end, sec by first liens ......................................................................
Closed-end, sec by junior liens ...................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
RE loans secured by farmland..........................................................................

3.45
0.00
2.31
0.68
5.79
0.00
0.52
0.41
80.21
4.69
0.43
4.25
0.01
62.45
1.69
2.89
57.87
0.00

5.30
0.18
2.06
2.70
10.94
0.15
0.65
0.44
67.17
17.48
2.85
13.57
0.66
29.05
3.72
3.36
20.21
0.67

45
31
63
32
21
32
69
72
89
11
16
14
6
96
28
57
98
11

2.09
0.00
1.28
0.97
7.85
0.00
1.40
1.98
79.47
5.18
0.73
4.46
0.00
61.61
1.80
1.44
58.36
0.00

6.46
0.16
3.37
4.38
10.64
0.11
0.64
0.31
64.12
16.90
2.65
13.14
0.70
29.44
4.08
2.78
21.56
1.31

20
35
32
29
41
35
80
90
94
9
20
12
0
97
23
32
99
11

3.16
0.00
1.69
0.71
6.25
0.00
1.09
1.31
78.62
4.43
0.56
3.87
0.00
62.07
1.81
2.89
57.37
0.00

5.92
0.12
2.46
2.83
11.18
0.19
0.67
0.31
64.74
17.29
2.83
13.37
0.71
26.60
3.20
2.64
19.06
0.64

40
33
53
29
25
31
75
89
92
11
21
15
2
97
36
64
97
11

3.48
0.00
1.04
1.14
8.45
0.00
1.47
5.31
74.94
7.78
0.87
6.91
0.00
59.12
1.27
1.08
56.77
0.00

7.70
0.13
3.18
4
11.56
0.08
0.55
0.62
61.94
17.11
2.76
13.19
0.77
28.30
3.93
2.55
20.83
1.22

23
35
34
31
40
35
83
94
89
17
22
28
0
98
16
24
99
9

3.92
0.00
0.04
1.27
9.65
0.00
0.91
2.03
77.75
4.85
1.13
3.72
0.00
57.80
2.29
1.70
53.81
0.00

7.29
0.13
3.41
3.73
11.71
0.05
0.40
0.39
62.78
15.63
3.12
11.29
0.89
29.52
4.63
2.25
21.89
1.29

30
36
11
33
44
36
81
92
94
7
24
11
0
97
23
43
99
8

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 7A

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Loan Mix and Analysis of Concentrations of Credit
09/30/2014
BHC
Peer 2

Pct
Peer

09/30/2013
3
BHC

Pct

12/31/2013
BHC
Peer 2

Pct

12/31/2012
BHC
Peer 3

Pct

BHC

12/31/2011
Peer 3

Pct

LOAN MIX, PERCENT OF GROSS LOANS & LEASES:
Real estate loans ....................................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end..................................................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
1–4 family ..............................................................................................
Other .....................................................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
Owner-occupied ....................................................................................
Other .....................................................................................................
RE loans secured by farmland..........................................................................
Loans to depository institutions and other bank acceptances ................................
Commercial and industrial loans ............................................................................
Loans to individuals ................................................................................................
Credit card loans...............................................................................................
Agricultural loans ....................................................................................................
Other loans and leases...........................................................................................

83.27
5.82
0.54
5.29
77.45
2.10
0.00
2.10
3.58
71.77
27.43
44.34
0.00
0.00
13.45
0.35
0.00
0.00
3.23

72.89
26.19
4.16
21.51
43.18
5.50
1.15
4.14
5.10
30.21
11.86
18.11
1.03
0.01
16.44
3.87
0.06
0.73
3.46

69
6
15
8
95
24
6
29
48
96
97
96
11
43
45
18
31
19
61

82.01
6.36
0.89
5.47
75.64
2.21
0.00
2.21
1.77
71.65
28.09
43.56
0.00
2.38
14.23
0.42
0.00
0.00
1.26

77.80
26.53
4.14
21.90
45.70
6.39
1.41
4.83
4.27
33.56
15.01
17.89
2.14
0.00
13.30
2.80
0.04
1.18
1.78

56
5
17
8
96
15
2
26
21
98
96
97
11
99
59
21
36
16
55

83.19
5.54
0.70
4.84
77.65
2.27
0.00
2.27
3.61
71.77
28.51
43.26
0.00
1.04
13.98
0.42
0.00
0.00
1.65

72.12
26.56
4.24
21.84
41.78
4.87
0.94
3.81
4.34
29.89
12.01
17.66
1.03
0.01
16.95
3.96
0.08
0.69
3.51

74
7
15
8
96
31
6
37
54
96
97
97
11
97
45
19
31
19
43

83.37
9.70
1.08
8.62
73.67
1.58
0.00
1.58
1.34
70.75
28.23
42.52
0.00
2.49
13.63
0.62
0.00
0.00
0.10

77.82
27.43
4.42
22.48
45.29
6.29
1.29
4.89
4.05
33.52
15.31
17.63
2.04
0.00
13.37
2.96
0.04
1.13
1.75

60
10
18
14
96
10
2
17
16
98
95
98
9
99
56
24
35
16
20

78.53
6.07
1.42
4.66
72.45
2.87
0.00
2.87
2.13
67.45
26.19
41.26
0.00
7.90
12.90
0.70
0.00
0.00
0.18

76.66
25.06
4.96
19.69
46.83
7.30
1.31
5.90
3.52
34.80
16.21
18.08
2.11
0.00
13.96
3.22
0.05
1.13
1.71

50
5
18
6
95
15
2
23
30
97
91
97
8
99
51
21
34
14
20

LOAN & LEASE PERCENT OF TOTAL RISK BASED CAPITAL:
Real estate loans ....................................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end..................................................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
1–4 family ..............................................................................................
Other .....................................................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
Owner-occupied ....................................................................................
Other .....................................................................................................
RE loans secured by farmland..........................................................................
Loans to depository institutions & other bank accept .............................................
Commercial and industrial loans ............................................................................
Loans to individuals ................................................................................................
Credit card loans...............................................................................................
Agricultural loans ....................................................................................................
Other loans and leases...........................................................................................

519.24
36.31
3.35
32.96
482.93
13.08
0.00
13.08
22.34
447.52
171.03
276.49
0.00
0.00
83.89
2.16
0.00
0.00
20.12

443.02
148.88
28.84
118.07
276.75
37.77
8.71
28.54
28.14
198.72
81
117.36
7.33
0.04
110.35
25.99
0.43
5.34
22.51

71
6
11
7
93
15
4
25
47
97
95
96
8
43
44
10
31
16
55

427.67
33.19
4.65
28.54
394.48
11.55
0.00
11.55
9.25
373.68
146.52
227.16
0.00
12.43
74.20
2.18
0.00
0.00
6.56

456.85
146.76
25.24
119.27
280.06
40.18
8.52
30.82
24.39
208.92
95.14
110.38
14.11
0.01
86.29
17.47
0.24
8.05
11.30

40
6
16
9
87
12
2
17
21
94
87
94
8
99
49
15
35
14
48

516
34.37
4.34
30.03
481.63
14.07
0.00
14.07
22.40
445.17
176.85
268.32
0.00
6.43
86.69
2.61
0.00
0.00
10.22

421.30
145.81
28.15
116.16
257.22
33.38
6.92
26.11
23.17
189.78
79.44
109.13
7
0.09
110.06
24.92
0.53
5.06
21.89

75
7
13
9
95
22
4
31
57
97
95
96
7
97
46
13
30
16
36

447.31
52.03
5.80
46.23
395.28
8.48
0.00
8.48
7.21
379.60
151.47
228.13
0.00
13.37
73.16
3.32
0.00
0.00
0.56

459.03
153.50
27.38
124.10
277.14
40.42
7.88
31.92
23.11
208.83
97.60
109.41
13.88
0.01
88.75
19.15
0.27
7.84
11.40

50
10
20
14
87
7
2
14
14
94
87
94
6
98
47
18
34
14
15

429.33
33.21
7.74
25.47
396.12
15.71
0.00
15.71
11.63
368.79
143.21
225.58
0.00
43.20
70.52
3.83
0.00
0.00
0.97

465.43
155.20
30.55
122.02
282.15
44.35
8
35.87
22.13
210.56
97.60
109.77
12.53
0.01
86.32
19.74
0.29
6.81
10.46

40
6
20
8
84
14
2
24
30
92
83
92
8
99
44
22
34
14
19

SUPPLEMENTAL:
Non-Owner Occupied CRE Loans/Gross Loans ....................................................
Non-Owner Occupied CRE Loans/Total Risk Based Capital..................................
Construction & Land Development Loans/Total Risk Based Capital ......................
Total CRE Loans/Total Risk Based Capital.............................................................

50.45
314.57
13.08
485.60

31.11
194.08
37.77
279.03

87
86
15
93

48.13
250.98
11.55
397.50

30.23
183.29
40.18
282.48

89
78
12
86

49.76
308.61
14.07
485.46

29.40
176.69
33.38
259.96

90
88
22
96

46.33
248.57
8.48
400.05

29.65
180.65
40.42
279.38

90
79
7
87

46.84
256.11
15.71
399.32

30.34
183.45
44.35
284.65

89
80
14
83

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 8

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Liquidity and Funding
09/30/2014
BHC
Peer 2

Pct

BHC

09/30/2013
Peer 3

Pct

BHC

12/31/2013
Peer 2

Pct

BHC

12/31/2012
Peer 3

Pct

BHC

12/31/2011
Peer 3

Pct

PERCENT OF TOTAL ASSETS:
Short-term investments ..........................................................................................
Liquid assets...........................................................................................................
Investment securities ..............................................................................................
Net loans and leases ..............................................................................................
Net lns, ls & stdby ltrs of credit ...............................................................................
Core deposits .........................................................................................................
Noncore funding .....................................................................................................
Time deposits of $100K or more ............................................................................
Foreign deposits .....................................................................................................
Fed funds purchased and repos .............................................................................
Secured federal funds purchased .....................................................................
Net fed funds purchased (sold) ..............................................................................
Commercial paper ..................................................................................................

3.45
12.73
9.30
79.28
79.30
53.34
31.56
27.74
0.00
0.00
0.00
0.00
0.00

5.30
19.51
19.13
67.55
68.17
65.70
19.62
9.07
0.00
1.86
0.00
1.84
0.00

45
24
13
86
84
15
85
97
48
10
48
16
48

2.09
12.41
11.50
79.60
80.07
55.53
28.36
24.12
0.00
0.00
0.00
0.00
0.00

6.46
22.43
22.07
63.73
64.26
68.91
18.67
11.07
0.00
1.44
0.00
1.36
0.00

20
13
17
94
94
12
84
94
49
15
48
25
49

3.16
12.40
9.73
78.46
78.71
54.76
30.07
23.98
0.00
0.00
0.00
-0.45
0.00

5.92
21.13
20.07
64.75
65.39
65.65
19.30
9
0.00
2.06
0.00
2.02
0.00

40
17
11
92
90
19
84
96
48
10
49
4
48

3.48
13.79
12.09
77.94
78.47
58.08
26.31
20.86
0.00
0.00
0.00
0.00
0.00

7.70
24.30
22.09
62.12
62.66
68.65
18.91
11.65
0.00
1.47
0.00
1.32
0.00

23
15
22
91
91
14
79
90
49
15
49
28
49

3.92
15.45
11.87
75.96
76.55
57.79
26.24
24.01
0.00
0.00
0.00
0.00
0.00

7.29
24.20
22.23
62.29
62.92
66.96
20.91
13.01
0.00
1.64
0.00
1.51
0.00

30
16
18
92
90
18
76
92
49
12
49
27
49

Other borrowings w/rem mat 1 yr or less................................................................
Earning assets repriceable in 1 year ......................................................................
Int-bearing liab repriceable in 1 year ......................................................................
Long-term debt repriceable in 1 year......................................................................
Net assets repriceable in 1 year .............................................................................

2.54
39.33
24.97
0.00
14.36

2.64
31.06
18.35
0.39
11.33

57
73
75
35
51

4.24
44.76
29.83
0.00
14.92

1.22
27.46
20.77
0.21
6.07

86
88
77
37
70

4.98
41.87
27.80
0.00
14.07

2.11
31.96
19.04
0.54
11.22

79
75
76
32
49

5.45
52.56
27.09
0.00
25.47

1.04
30.13
22.24
0.22
7.14

93
91
73
37
86

2.22
61.75
33.01
0.37
28.37

0.77
31.64
25.55
0.22
5.61

83
96
73
79
93

OTHER LIQUIDITY AND FUNDING RATIOS:
Net noncore funding dependence ..........................................................................
Net ST noncore funding dependence .....................................................................
Short-term inv / ST noncore funding.......................................................................
Liq asts-ST noncore fndg / Nonliq asts...................................................................
Net loans and leases / Total deposits .....................................................................
Net loans and leases / Core deposits .....................................................................
Held-to-mat sec appr (depr) / T1 cap .....................................................................
Avail-for-sale sec appr (depr) / T1 cap ...................................................................
Struct notes appr (depr) / T1 cap............................................................................

31.94
21.81
15.24
-11.37
97.76
148.62
0.00
0.51
-0.26

16.80
8.56
53.99
9.46
87.53
104.69
0.42
0.97
-0.10

86
90
26
10
75
89
25
46
15

29.24
28.03
7.67
-16.97
99.93
143.34
0.00
0.02
-0.55

13.89
5.24
70.38
15.30
78.32
93.87
-0.20
-1.38
-0.23

88
98
6
1
91
94
52
64
20

30.80
27.83
11.50
-17.21
98.60
143.28
0.00
-0.72
-0.68

15.93
7.58
62.30
11.76
83.99
100.66
-0.60
-1.29
-0.35

84
92
15
4
83
90
64
57
25

25.75
23.66
14.22
-12.37
98.74
134.20
0.00
2.17
-0.02

13.14
4.57
76.28
18.01
76.03
91.74
1.12
4.88
0.03

83
97
13
2
93
92
24
31
9

25.59
22.30
16.79
-9.36
92.86
131.45
0.00
2.09

15.79
6.08
69.22
16.03
76.11
94.39
1.01
4.37
0.05

78
93
16
3
90
93
28
33

PERCENT OF INVESTMENT SECURITIES:
Held-to-maturity securities ......................................................................................
Available-for-sale securities....................................................................................
U.S. Treasury securities .........................................................................................
U.S. agency securities (excl MBS) .........................................................................
Municipal securities ................................................................................................
Mortgage-backed securities ...................................................................................
Asset-backed securities..........................................................................................
Other debt securities ..............................................................................................
Mutual funds and equity securities .........................................................................

0.01
99.99
0.00
24.80
7.29
62.27
0.00
5.64
0.00

12.56
87.44
0.95
11.40
14.27
60.01
0.90
3.23
0.61

27
72
31
81
36
50
32
72
17

0.01
99.99
0.00
11.10
8.44
68.27
0.00
12.18
0.00

9.02
90.98
0.76
17.35
19.70
48.50
0.56
3.18
0.57

46
53
35
45
33
73
35
87
22

0.01
99.99
0.00
17.33
7.26
64.19
0.00
11.22
0.00

10.89
89.11
0.68
12.96
14.26
59.32
1.02
3.24
0.59

33
66
33
65
35
56
31
87
15

0.02
99.98
0.00
8.60
9.40
69.87
0.00
12.14
0.00

6.32
93.68
0.76
16.25
18.75
52.36
0.34
2.73
0.49

50
49
35
41
34
69
35
88
23

0.02
99.98
0.00
0.35
10.71
81.31
0.00
7.63
0.00

5.62
94.38
0.80
17.74
17.38
52.95
0.21
1.91
0.42

49
50
36
12
40
81
36
86
23

Debt securities 1 year or less .................................................................................
Debt securities 1 to 5 years ....................................................................................
Debt securities over 5 years ...................................................................................
Pledged securities ..................................................................................................
Structured notes, fair value.....................................................................................

7.74
46.41
45.86
92.98
19.89

10.31
22.40
62.42
50.90
1.36

58
84
27
93
96

11.22
39.10
49.68
90.80
10.96

9.94
24.95
60.61
45.47
1.02

67
73
33
95
94

10.56
44.51
44.92
91.48
11.64

11.40
21.22
63.86
50.54
1.22

61
86
26
93
94

11.85
55.11
33.04
90.82
8.40

10.27
26.57
58.66
45.53
1.26

66
86
20
96
91

7.97
79.46
12.57
95.08
0.00

8.97
29.13
57.62
48.03
2.52

58
98
8
97
24

PERCENT CHANGE FROM PRIOR LIKE QTR:
Short-term investments ..........................................................................................
Investment securities ..............................................................................................
Core deposits .........................................................................................................
Noncore funding .....................................................................................................

129.41
12.32
33.46
54.64

5.98
5.90
12.01
11.04

94
69
86
90

-39.45
11.45
-0.79
35.12

5.38
6.50
7.17
0.19

23
64
16
90

19.62
5.99
24.10
50.44

-3.50
7.98
7.64
4.99

73
51
87
93

-9.60
3.88
2.52
2.29

26.01
6.43
9.18
-5.24

31
46
22
72

246.96
1.08
-11.75
-17.53

31.47
14.72
7.65
-8.32

92
29
2
26

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 9

3248513

City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Derivatives and Off-Balance-Sheet Transactions
09/30/2014

($000)
Loan commitments .................................................................................................
Commit: Secured commercial RE loans ...........................................................
Commit: Unsecured real estate loans...............................................................
Credit card lines ................................................................................................
Securities underwriting .....................................................................................
Standby letters of credit ..........................................................................................
Commercial & similar letters of credit .....................................................................
Securities lent .........................................................................................................
Credit derivatives - notional amount (BHC as guarantor) .......................................
Credit derivatives - notional amount (BHC as beneficiary) .....................................
Credit derivative contracts w / purch cr pr - invest grade .......................................
Credit derivative contracts w / purch cr pr - subinvest grade..................................

09/30/2013

PERCENT OF AVERAGE LOANS AND LEASES:
Loan commitments ...........................................................................................

BHC

12/31/2012

12/31/2011

297,344
108,014
0
0
0
917
50,342
0
0
0
0
0

295,526
71,253
0
0
0
13,324
7,703
0
0
0
0
0

354,293
84,080
0
0
0
9,069
12,769
0
0
0
0
0

327,795
91,434
0
0
0
14,565
8,467
0
0
0
0
0

223,676
89,641
0
0
0
15,944
9,618
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0

DERIVATIVE CONTRACTS:
Interest rate futures & forward contr .................................................................
Written options contracts (int rate) ....................................................................
Purchased options contracts (int rate) ..............................................................
Interest rate swaps ...........................................................................................
Futures and forward foreign exchange .............................................................
Written options contr (foreign exch) ..................................................................
Purchased options contr (foreign exch) ............................................................
Foreign exchange rate swaps...........................................................................
Commodity & other futures & forw contr ...........................................................
Written options contr (comm & other) ...............................................................
Purchased options contr (comm & other) .........................................................
Commodity & other swaps ................................................................................
PERCENT OF TOTAL ASSETS:
Loan commitments .................................................................................................
Standby letters of credit ..........................................................................................
Commercial & similar letters of credit .....................................................................
Securities lent .........................................................................................................
Credit derivatives - notional amount (BHC as guarantor) .......................................
Credit derivatives - notional amount (BHC as beneficiary) .....................................
Credit derivative contracts w / purch cr pr - invest grade .......................................
Credit derivative contracts w / purch cr pr - subinvest grade..................................
Derivative contracts ................................................................................................
Interest rate contracts .............................................................................................
Interest rate futures & forward contr .................................................................
Written options contr (int rate) ..........................................................................
Purchased options contr (int rate).....................................................................
Interest rate swaps ...........................................................................................
Foreign exchange contracts ...................................................................................
Futures & forward foreign exch contr................................................................
Written options contr (foreign exch) ..................................................................
Purchased options contr (foreign ex) ................................................................
Foreign exchange rate swaps...........................................................................
Equity, commodity, & other deriv contr ...................................................................
Commodity & other futures & forward contr......................................................
Written options contr (comm & other) ...............................................................
Purchased options contr (comm & oth) ............................................................
Commodity & other swaps ................................................................................

12/31/2013

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 3

Pct

7.55
0.02
1.28
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

15.69
0.54
0.03
0.00
0.00
0.00
0.00
0.00
5.07
4.87
0.44
0.42
0.05
3.29
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

16
12
98
49
47
47
49
49
6
6
21
19
41
18
45
46
48
48
49
45
48
46
47
49

10.43
0.47
0.27
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

13.52
0.45
0.01
0.00
0.00
0.00
0.00
0.00
1.73
1.70
0.20
0.21
0.00
0.65
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

33
63
95
50
49
49
49
50
18
18
32
31
47
33
49
49
50
50
49
48
49
49
49
49

9.78
0.25
0.35
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

14.77
0.56
0.02
0.00
0.00
0.00
0.00
0.00
4.81
4.51
0.25
0.27
0.10
3.28
0.00
0.00
0.00
0.00
0.00
0.01
0.00
0.01
0.00
0.00

25
33
94
49
48
48
49
49
7
7
23
22
39
17
46
46
48
48
49
44
48
45
46
49

11.92
0.53
0.31
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

12.41
0.45
0.01
0.00
0.00
0.00
0.00
0.00
2.09
2.05
0.44
0.35
0.00
0.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

49
68
96
50
49
49
49
50
19
20
32
32
47
34
49
49
50
50
49
48
49
48
49
50

8.29
0.59
0.36
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

12.02
0.52
0.01
0.00
0.00
0.00
0.00
0.00
1.51
1.46
0.22
0.23
0.01
0.45
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

27
62
97
50
49
49
49
50
20
21
34
32
46
35
49
49
50
50
49
48
50
48
49
49

10.05

24.64

10

13.28

22.01

16

15.16

23.84

21

15.65

20.93

30

10.04

19.50

16

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 10

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Derivative Instruments
($000)
NOTATIONAL AMOUNT:
Derivative contracts ................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

09/30/2014

09/30/2013

12/31/2013

12/31/2012

12/31/2011

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

Derivatives position:
Futures and forwards ........................................................................................
Written options ..................................................................................................
Exchange-traded.........................................................................................
Over-the-counter .........................................................................................
Purchased options ............................................................................................
Exchange-traded.........................................................................................
Over-the-counter .........................................................................................
Swaps ...............................................................................................................

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

Held for trading .......................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

Non-traded..............................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

Deriv contr (excl fut & FX 14 days or less) .............................................................
One year or less ...............................................................................................
Over 1 year to 5 years ......................................................................................
Over 5 years .....................................................................................................

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

Gross negative fair value (absolute value) .............................................................
Gross positive fair value .........................................................................................
Held for trading .................................................................................................
Non-traded ........................................................................................................
Curr credit exposure on RBC deriv contr................................................................
Credit losses on derivative contracts ......................................................................

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

PAST DUE DERIVATIVE INSTRUMENTS FAIR VALUE:
30–89 days past due (confidential prior to March 2001)...................................
90+ days past due ............................................................................................

0
0

0
0

0
0

0
0

0
0

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 11

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Derivatives Analysis
09/30/2014
BHC
Peer 2

Pct
Peer

09/30/2013
3
BHC

Pct

12/31/2013
BHC
Peer 2

Pct

BHC

12/31/2012
Peer 3

Pct

BHC

12/31/2011
Peer 3

PERCENT OF NOTIONAL AMOUNT:
Interest rate contracts .............................................................................................
Foreign exchange contracts ...................................................................................
Equity, comm, & other contracts .............................................................................

99.42
0.06
0.07

100
0.00
0.00

98.50
0.02
0.35

99.99
0.00
0.00

99.98
0.00
0.00

Futures and forwards..............................................................................................
Written options........................................................................................................
Exchange-traded ..............................................................................................
Over-the-counter...............................................................................................
Purchased options ..................................................................................................
Exchange-traded ..............................................................................................
Over-the-counter...............................................................................................
Swaps .....................................................................................................................

19.16
16.93
0.00
16.68
1.31
0.00
1.26
54.17

20.71
21.55
0.00
21.07
0.49
0.00
0.49
41.16

15.82
14.59
0.00
14.37
2.33
0.00
2.20
57.66

25.24
22.10
0.00
22.09
0.84
0.00
0.66
36.98

29.98
27.34
0.00
27.34
2.11
0.00
2.11
36.64

Held for trading .......................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

23.06
20.72
0.01
0.00

4.43
4.86
0.00
0.00

23.50
14.76
0.00
0.00

3.21
3.21
0.00
0.00

3.07
3.07
0.00
0.00

Non-traded..............................................................................................................
Interest rate contracts .......................................................................................
Foreign exchange contracts .............................................................................
Equity, comm, & other contracts .......................................................................

76.94
76.02
0.00
0.02

95.57
94.85
0.00
0.00

76.50
73.80
0.00
0.20

96.79
96.27
0.00
0.00

96.36
95.22
0.00
0.00

Deriv contr (excl fut & FX 14 days or less) .............................................................
One year or less ...............................................................................................
Over 1 year to 5 years ......................................................................................
Over 5 years .....................................................................................................
Gross negative fair value (absolute value) .............................................................
Gross positive fair value .........................................................................................

75.07
19.37
18.24
23.33
0.96
1.03

74.13
22.75
14.08
15.69
1
0.88

80.61
19.82
19.77
28.62
1.10
1.27

71.93
24.66
12.81
13.46
1.30
0.99

68.16
31.81
15.37
12.33
1.49
0.94

Pct

PERCENT OF TIER 1 CAPITAL:
Gross negative fair value, absolute value (X) .........................................................
Gross positive fair value (X) ...................................................................................
Held for trading (X) ...........................................................................................
Non-traded (X) ..................................................................................................
Current credit exposure (X) ....................................................................................
Credit losses on derivative contracts ......................................................................

0.00
0.00
0.00
0.00
0.00
0.00

0.01
0.01
0.00
0.00
0.00
0.00

9
7
36
13
17
49

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

27
27
46
29
34
49

0.00
0.00
0.00
0.00
0.00
0.00

0.01
0.01
0.00
0.00
0.00
0.00

12
8
36
13
15
49

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

29
27
47
29
35
50

0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00

30
29
47
31
37
49

PAST DUE DERIVATIVE INSTRUMENTS FAIR VALUE:
30–89 days past due (confidential prior to March 2001)...................................
90+ days past due ............................................................................................

0.00
0.00

0.00
0.00

50
50

0.00
0.00

0.00
0.00

50
50

0.00
0.00

0.00
0.00

50
50

0.00
0.00

0.00
0.00

50
50

0.00
0.00

0.00
0.00

50
50

OTHER RATIOS:
Current credit exposure / Risk wtd asts ..................................................................

0.00

0.05

17

0.00

0.01

34

0.00

0.07

15

0.00

0.02

35

0.00

0.01

37

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 12

3248513

City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Allowance and Net Loan and Lease Losses
09/30/2014

09/30/2013

12/31/2013

12/31/2012

12/31/2011

CHANGE: ALLOWANCE FOR LOAN AND LEASE LOSSES EXCLUDING
ATTR: ($000)
Beginning balance ..................................................................................................
Gross credit losses .................................................................................................
Write-downs, transf to lns held for sale ..................................................................
Recoveries..............................................................................................................
Net credit losses ...............................................................................................

53,563
5,215
0
4,768
447

63,285
13,205
0
2,317
10,888

63,285
14,756
0
5,034
9,722

102,982
13,934
0
5,837
8,097

110,953
72,455
0
4,882
67,573

Provision for loan and lease losses ........................................................................
Adjustments ...........................................................................................................
Ending balance .................................................................................................

0
0
53,116

0
0
52,397

0
0
53,563

-31,600
0
63,285

59,603
0
102,983

Memo: alloc transfer risk reserve (ATRR)..............................................................

0

0

0

0

0

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 3

Pct

ANALYSIS RATIOS:
Provision for Ln&Ls losses / Avg assets .................................................................
Provision for Ln&Ls losses / Avg lns&ls..................................................................
Provision for Ln&Ls losses / Net losses .................................................................

0.00
0.00
0.00

0.10
0.15
167.32

18
18
16

0.00
0.00
0.00

0.13
0.20
97.97

16
16
18

0.00
0.00
0.00

0.15
0.22
75.32

18
18
16

-1.22
-1.51
-390.27

0.31
0.49
111.99

0
0
2

2.16
2.68
88.21

0.58
0.91
111.04

94
92
36

Ln&Ls allowance/Total loans & leases not held-for-sale ........................................
Ln&Ls allowance / Total loans & leases .................................................................
Ln&Ls allowance / Net Ln&Ls losses (X)................................................................
ALLL/nonaccrual assets .........................................................................................
Ln&Ls allow/90+ days PD + nonaccr Ln&Ls ..........................................................

1.68
1.67
89.12
93.03
93.03

1.31
1.29
15.65
162.64
137.75

80
80
93
27
39

2.33
2.27
3.61
107.14
107.14

1.65
1.63
13.36
161.56
144.86

83
82
22
41
46

1.88
1.85
5.51
108.14
107.77

1.48
1.46
10.11
139.64
116.76

74
72
50
38
53

3.07
2.87
7.82
145.91
145.91

1.84
1.80
6.34
131.37
119.80

87
86
72
66
69

4.91
4.79
1.52
170.24
170.24

2.04
2.01
3.50
110.67
100.48

96
96
25
78
81

Gross Ln&Ls losses / Avg loans & leases ..............................................................
Recoveries / Avg loans and leases.........................................................................
Net losses/Avg loans and leases............................................................................
Write-downs, trans Lns HFS / Avg Lns&Ls .............................................................
Recoveries / Prior year-end losses.........................................................................
Earnings coverage of net losses (X).......................................................................

0.24
0.21
0.02
0.00
32.31
146.20

0.26
0.11
0.15
0.00
24.76
17.74

53
80
20
48
71
92

0.79
0.14
0.65
0.00
16.63
4.65

0.38
0.12
0.25
0.00
16.16
14.22

84
68
87
49
62
39

0.63
0.22
0.42
0.00
36.13
6.96

0.44
0.13
0.29
0.00
21.96
17.49

79
78
77
47
80
38

0.67
0.28
0.39
0.00
8.06
6.96

0.74
0.14
0.59
0.00
17.71
8.54

57
83
49
48
29
60

3.25
0.22
3.03
0.00
4.47
0.93

1.08
0.12
0.94
0.00
11.41
4.61

92
80
92
48
20
23

NET LOAN AND LEASE LOSSES BY TYPE:
Real estate loans ....................................................................................................
RE loans secured by 1–4 family .......................................................................
Revolving ....................................................................................................
Closed-end..................................................................................................
Commercial real estate loans ...........................................................................
Construction and land dev ..........................................................................
1–4 family ..............................................................................................
Other .....................................................................................................
Multifamily ...................................................................................................
Nonfarm nonresidential ...............................................................................
Owner-occupied ....................................................................................
Other .....................................................................................................
RE loans secured by farmland..........................................................................

-0.04
0.13
1.37
0.00
-0.05
0.00
0.00
0.00
0.00
-0.05
-0.04
-0.01

0.09
0.13
0.11
0.13
0.06
-0.06
-0.01
-0.05
0.02
0.09
0.03
0.05
0.03

11
56
96
18
15
53
58
55
43
6
5
15

0.69
0.56
3.99
0.00
0.70
0.00
0.00
0.00
0.00
0.74
0.54
0.20

0.22
0.25
0.26
0.24
0.19
0.28
0.01
0.26
0.12
0.16
0.07
0.07
0.04

89
82
98
15
87
43
53
43
43
91
95
81

0.35
0.39
3.07
0.00
0.34
0.00
0.00
0.00
0.00
0.37
0.25
0.12

0.24
0.29
0.30
0.28
0.22
0.46
0.06
0.33
0.17
0.20
0.09
0.10
0.03

76
73
99
11
74
31
47
36
40
78
85
65

0.37
0.24
2.18
0.00
0.39
0.00
0.00
0.00
0.00
0.40
0.40
0.00

0.55
0.51
0.45
0.50
0.59
1.60
0.13
1.34
0.28
0.42
0.17
0.23
0.06

52
42
94
9
55
22
36
25
37
64
82
23

3.66
1.73
7.41
0.00
3.82
0.00
0.00
0.00
0.00
4.10
4.10
0.00

0.96
0.74
0.54
0.74
1.10
3.08
0.35
2.56
0.58
0.66
0.25
0.36
0.16

93
85
99
5
92
14
31
16
29
96
99
17

0.36

0.16
0.00
0.89
1.48
0.01
0.00
0.24

79

0.44
0.00

72
50

0.35
0.00

0.48
0.00

2.03
0.00
1.30

0.00

33

0.00

31

0.00

1.05
0.00
1.11
2.49
0.03
0.00
0.93

80
50
67

36

0.60
0.00
1.07
1.86
0.03
0.00
0.60

60
50

0.00

0.32
0.00
1.09
2.67
0.05
4.64
0.24

64
50

29

0.29
0.00
0.72
1.07
0.02
0.00
0.35

Commercial and industrial loans ............................................................................
Loans to depository institutions ..............................................................................
Loans to individuals ................................................................................................
Credit card loans...............................................................................................
Agricultural loans ....................................................................................................
Loans to foreign governments & inst ......................................................................
Other loans and leases...........................................................................................

0.00

29

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 13

3248513

City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Past Due and Nonaccrual Assets
09/30/2014

09/30/2013

12/31/2012

12/31/2013

12/31/2011

30+ DAYS PD & NONACCRUAL ASSETS: ($000)
30–89 days past due loans & leases ......................................................................
90 days and over past due loans & leases .............................................................
Nonaccrual loans and leases .................................................................................
Total PD & nonaccrual loans & leases ..............................................................

8,372
0
57,094
65,466

5,234
0
48,907
54,141

5,919
168
49,533
55,620

4,310
0
43,373
47,683

17,403
0
60,493
77,896

Restructured 30–89 days past due.........................................................................
Restructured 90+ days past due ............................................................................
Restructured nonaccrual ........................................................................................
Total restr loans & leases, incl above ...............................................................

428
0
18,121
18,549

469
0
10,487
10,956

546
0
10,881
11,427

1,137
0
9,758
10,895

1,578
0
11,080
12,658

30–89 days past due loans held for sale ................................................................
90+ days past due loans held for sale ....................................................................
Nonaccrual loans held for sale ...............................................................................
Total PD & nonacc Lns held for sale .................................................................
Restr loans and leases in compliance ....................................................................
Other real estate owned .........................................................................................

0
0
0
0
27,995
6,565

0
0
0
0
21,564
748

0
0
0
0
27,494
7,600

0
0
0
0
28,215
2,080

0
0
0
0
22,383
8,222

OTHER ASSETS:
30–89 days past due ........................................................................................
90+ days past due ............................................................................................
Nonaccrual........................................................................................................
Total other assets PD & nonaccrual ............................................................

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

0
0
0
0

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 3

Pct

PERCENT OF LOANS AND LEASES:
30–89 days PD loans & leases...............................................................................
90+ days PD loans & leases ..................................................................................
Nonaccrual loans & leases .....................................................................................
90+ days PD and nonaccrual Lns&Ls ....................................................................

0.26
0.00
1.80
1.80

0.44
0.17
1.03
1.36

28
12
86
78

0.23
0.00
2.12
2.12

0.53
0.08
1.49
1.71

28
18
74
69

0.20
0.01
1.71
1.72

0.63
0.23
1.28
1.71

13
37
72
62

0.20
0.00
1.96
1.96

0.71
0.07
1.92
2.23

17
16
58
54

0.81
0.00
2.81
2.81

0.90
0.10
2.62
2.96

52
15
63
59

30–89 days PD restructured ...................................................................................
90+ days PD restructured.......................................................................................
Nonaccrual restructured .........................................................................................
30–89 days PD loans held for sale .........................................................................
90+ days PD loans held for sale.............................................................................
Nonaccrual loans held for sale ...............................................................................

0.01
0.00
0.57
0.00
0.00
0.00

0.02
0.00
0.29
0.00
0.00
0.00

71
40
84
47
49
46

0.02
0.00
0.45
0.00
0.00
0.00

0.02
0.00
0.43
0.00
0.00
0.00

72
45
62
49
49
49

0.02
0.00
0.38
0.00
0.00
0.00

0.02
0.00
0.38
0.00
0.00
0.00

65
39
59
47
49
48

0.05
0.00
0.44
0.00
0.00
0.00

0.03
0.00
0.52
0.00
0.00
0.00

80
45
57
49
49
48

0.07
0.00
0.51
0.00
0.00
0.00

0.03
0.00
0.60
0.00
0.00
0.00

82
43
56
49
49
48

PERCENT OF LNS&LS + OTHER ASSETS
30+ DAYS PAST DUE AND NONACCRUAL:
30–89 days past due assets ...................................................................................
90+ days past due assets.......................................................................................
Nonaccrual assets ..................................................................................................
30+ days PD & nonaccrual assets ....................................................................

0.26
0.00
1.80
2.06

0.44
0.17
1.04
1.83

28
12
85
70

0.23
0.00
2.12
2.35

0.53
0.08
1.52
2.32

28
18
74
61

0.20
0.01
1.71
1.92

0.63
0.23
1.29
2.41

13
37
71
50

0.20
0.00
1.96
2.16

0.71
0.07
1.94
3.01

17
16
58
44

0.81
0.00
2.81
3.62

0.90
0.10
2.65
3.94

52
15
62
58

PERCENT OF TOTAL ASSETS:
90+ days PD and nonaccrual assets ......................................................................
90+ PD & nonaccrual assets + OREO ...................................................................

1.45
1.62

0.86
1.18

81
72

1.73
1.75

1.10
1.67

78
65

1.37
1.58

1.08
1.50

73
66

1.58
1.65

1.41
2.15

66
53

2.24
2.55

1.89
2.78

67
57

RESTRUCTURED & NONACCRUAL LNS&LS
+ OREO AS PERCENT OF:
Total assets.............................................................................................................
Allowance for loan & lease losses ..........................................................................
Equity cap + ALLL...................................................................................................
Tier 1 cap + ALLL....................................................................................................
Loans & leases + OREO ........................................................................................

2.34
173.36
17.41
17.67
2.90

1.39
185.99
11.33
12.37
2.19

84
58
81
80
77

2.53
136.82
17.20
15.38
3.11

2.16
204.81
19.24
18.68
3.37

67
37
57
53
59

2.35
159.01
17.28
17.62
2.93

1.69
201.84
13.82
15.01
2.71

79
48
74
72
64

2.72
118.20
18.44
16.69
3.39

2.70
234.95
23.83
24.29
4.26

60
25
53
47
53

3.44
89.99
22.46
19.64
4.29

3.26
253.88
31.03
30.30
5.10

62
11
49
42
53

Note: 30–89 Days Past Due amounts and ratios are confidential prior to March 2001.

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 13A

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Past Due and Nonaccrual Loans and Leases
09/30/2014
BHC
Peer 2
30+ DAYS PAST DUE AND NONACCRUAL LNS&LS AS A
PERCENT OF LOAN TYPE:
Real estate
– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

Pct

BHC

09/30/2013
Peer 3

Pct

BHC

12/31/2013
Peer 2

Pct

BHC

12/31/2012
Peer 3

Pct

BHC

12/31/2011
Peer 3

Pct

0.18
0.00
1.80

0.43
0.21
1.14

21
18
82

0.20
0.00
2.43

0.51
0.07
1.64

28
23
75

0.18
0.01
1.93

0.66
0.30
1.50

15
42
73

0.11
0.00
2.06

0.73
0.07
2.11

12
22
58

0.87
0.00
2.97

0.92
0.09
3

55
21
59

Coml & indl

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.82
0.00
2.23

0.33
0.06
0.88

88
26
86

0.42
0.00
0.91

0.40
0.03
1.04

62
34
58

0.38
0.00
0.75

0.31
0.07
0.95

67
25
55

0.73
0.00
1.79

0.45
0.05
1.39

73
34
72

0.95
0.00
3.72

0.63
0.05
1.64

75
31
82

Individuals

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.00
0.00
0.01

0.91
0.06
0.27

2
24
23

0.00
0.00
0.00

0.59
0.04
0.25

7
30
16

0.42
0.00
0.00

1.18
0.13
0.30

24
22
8

0.03
0.00
0.00

0.87
0.04
0.32

12
29
13

0.00
0.00
0.00

1.11
0.05
0.35

4
26
11

Dep inst lns

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.02
0.00
0.00

0.00
0.00
0.00

0.00
0.00
0.00

48
50
48

0.00
0.00
0.00

0.00
0.00
0.00

47
50
50

0.00
0.00
0.00

0.00
0.00
0.00

50
50
48

0.00
0.00
0.00

0.00
0.00
0.00

50
50
48

Agricultural

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.10
0.01
0.39

0.05
0.00
0.17

0.16
0.05
0.25

0.10
0.00
0.15

0.07
0.00
0.16

Foreign govts

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.00
0.00
2.16

0.00
0.00
0.00

0.00
0.00
1.16

0.00
0.00
0.00

0.00
0.00
0.00

Other lns & ls

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

Note: 30–89 Days Past Due amounts and ratios are confidential prior to March 2001.

0.00
0.00
0.00

0.15
0.00
0.18

26
43
32

0.00
0.00
0.00

0.14
0.00
0.07

33
45
39

0.00
0.00
0.00

0.21
0.01
0.30

22
42
30

0.00
0.00
0.00

0.15
0.00
0.09

32
44
37

0.00
0.00
0.00

0.17
0.00
0.21

32
44
37

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 13B

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Past Due and Nonaccrual Loans and Leases—Continued
09/30/2014
BHC
Peer 2
MEMORANDA:
1–4 family
– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

Pct

BHC

09/30/2013
Peer 3

Pct

BHC

12/31/2013
Peer 2

Pct

BHC

12/31/2012
Peer 3

Pct

BHC

12/31/2011
Peer 3

Pct

0.10
0.00
0.62

0.67
0.24
1.46

9
20
26

0.00
0.00
0.72

0.73
0.09
1.56

3
28
30

0.11
0.00
0.79

1.03
0.29
1.83

4
19
23

0.17
0.00
0.97

1.07
0.09
1.80

14
26
35

1.18
0.00
1.14

1.15
0.10
2.20

56
26
34

Revolving

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.29
0.00
3.34

0.40
0.07
0.87

42
32
89

0.00
0.00
2.93

0.43
0.02
0.73

13
41
92

0.00
0.00
4.02

0.56
0.06
0.99

6
30
91

0.93
0.00
3.73

0.52
0.03
0.88

74
40
92

2.95
0.00
1.51

0.54
0.02
0.96

96
39
71

Closed-end

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................

0.08
0.00
0.34
0.00
0.00
0.07

0.71
0.28
1.58
0.04
0.01
0.08

7
21
12
9
32
59

0.00
0.00
0.36
0.00
0.00
0.00

0.70
0.09
1.74
0.05
0.00
0.11

5
30
16
12
42
11

0.13
0.00
0.32
0.00
0.00
0.00

1.09
0.35
2.02
0.06
0.01
0.13

5
20
8
7
30
7

0.07
0.00
0.62
0.00
0.00
0.00

1.19
0.10
2.01
0.07
0.00
0.14

9
28
22
11
40
10

0.64
0.00
1.03
0.00
0.00
0.00

1.32
0.11
2.53
0.09
0.01
0.19

30
27
30
11
38
10

Commercial RE – 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.19
0.00
1.89

0.27
0.15
1.03

47
27
82

0.22
0.00
2.57

0.37
0.05
1.73

49
34
72

0.19
0.01
2.01

0.42
0.24
1.50

36
60
72

0.11
0.00
2.21

0.49
0.06
2.37

28
34
56

0.85
0.00
3.12

0.74
0.09
3.52

62
30
55

Const & dev

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.28
0.23
1.79
0.04
0.01
0.23
0.19
0.19
1.33

19
36
6
34
44
24
22
36
10

0.00
0.00
4.84
0.00
0.00
0.00
0.00
0.00
4.84

0.36
0.06
3.42
0.05
0.00
0.18
0.22
0.05
2.93

22
41
67
40
47
34
25
41
73

0.00
0.00
3.76
0.00
0.00
0.00
0.00
0.00
3.76

0.35
0.36
2.91
0.05
0.04
0.40
0.26
0.26
2.20

17
33
65
29
40
21
20
34
72

0.00
0.00
16.18
0.00
0.00
0.00
0.00
0.00
16.18

0.61
0.15
5.13
0.08
0.00
0.42
0.45
0.12
4.20

19
41
88
37
46
28
21
41
90

13.44
0.00
20.29
0.00
0.00
0.00
13.44
0.00
20.29

0.87
0.12
8.85
0.11
0.00
0.93
0.66
0.09
6.45

99
37
84
33
45
21
99
38
88

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.00
0.00
0.00

0.09
0.06
0.34

29
41
22

0.00
0.00
0.00

0.10
0.00
0.71

39
46
29

0.00
0.00
0.00

0.17
0.15
0.55

28
37
18

0.00
0.00
1.25

0.21
0.02
0.90

36
45
74

0.00
0.00
0.87

0.50
0.02
1.74

31
45
59

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................
Owner Occ
– 30–89 days PD ...................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................
Other
– 30-89 days PD ....................................................................
– 90+ days PD .......................................................................
– Nonaccrual .........................................................................

0.21
0.00
2.04
0.13
0.00
1.43
0.07
0.00
0.61

0.24
0.16
1.02
0.12
0.06
0.44
0.11
0.09
0.52

53
28
84
58
32
92
59
33
62

0.23
0.00
2.56
0.13
0.00
1.79
0.10
0.00
0.77

0.35
0.05
1.45
0.17
0.01
0.64
0.15
0.02
0.64

50
37
80
56
40
87
62
41
67

0.20
0.01
2.06
0.08
0.01
1.37
0.12
0.00
0.68

0.39
0.21
1.41
0.19
0.09
0.59
0.18
0.11
0.72

40
61
76
39
64
87
56
33
62

0.11
0.00
1.91
0.09
0.00
1.55
0.02
0.00
0.37

0.46
0.04
1.91
0.24
0.01
0.76
0.19
0.01
0.96

31
37
62
41
41
79
43
42
44

0.34
0.00
2.46
0.31
0.00
1.28
0.03
0.00
1.19

0.65
0.07
2.47
0.32
0.03
0.95
0.28
0.02
1.29

42
34
59
59
38
67
37
39
57

Jr lien

1–4 family
Other

Multifamily

Nonfarm nres

Farmland

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.18
0.11
0.85

0.21
0.02
0.99

0.30
0.13
1.87

0.20
0.01
1.32

0.41
0.01
1.65

Credit card

– 30–89 days PD ........................................................................
– 90+ days past due ...................................................................
– Nonaccrual ..............................................................................

0.87
0.42
0.06

0.78
0.17
0.03

1.10
0.93
0.09

0.85
0.14
0.04

1.04
0.30
0.04

Note: 30–89 Days Past Due amounts and ratios are confidential prior to March 2001.

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 14

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Risk-Based Capital
09/30/2013

09/30/2014

12/31/2013

12/31/2012

12/31/2011

TIER 1 CAPITAL: ($000)
Total equity capital ............................................................................................
Net unrealized gains (losses) on AFS secs ......................................................
Less: Net unrealized loss on AFS eq secs.......................................................
Accum net gains (losses) on cash flow hedges ................................................
Less: Nonqualifying perpetual pref stock .........................................................
Qualifying other capital elements......................................................................
Less: Disallowed goodwill and oth intang ........................................................
Less: Cumulative change in fair values of liabilities .........................................
Less: Disallowed servicing assts and PCCR ...................................................
Less: Disallowed deferred tax assets ..............................................................
Other additns to (deduct from) tier 1 capital .....................................................
Tier 1 capital ...........................................................................................................

475,707
3,730
0
-507
0
69,245
71,888
0
1,793
0
0
468,048

364,316
2,380
0
-465
0
60,000
7,502
0
1,157
0
0
413,742

439,418
522
0
-545
0
69,074
77,153
0
1,611
0
0
429,751

342,417
7,162
0
0
0
60,000
7,712
0
961
1,709
0
384,873

309,582
6,761
0
0
0
75,000
7,995
0
876
0
0
368,950

TIER 2 CAPITAL:
Qualifying sub debt & redeemable pref stock ...................................................
Cumulative PPS includible in tier 2 ...................................................................
ALLL includible in tier 2 .....................................................................................
Unrlzd gains on AFS eq sec incl in tier 2 ..........................................................
Other tier 2 capital components ........................................................................
Allowable tier 2 capital (limited to amount of tier 1 capital).....................................

0
0
40,867
0
0
40,867

0
0
28,664
0
0
28,664

0
0
36,894
0
0
36,894

0
0
26,522
0
0
26,522

0
0
24,569
0
0
24,569

TIER 3 CAPITAL:....................................................................................................
Total RB capital before deductions ...................................................................
Less: Deductions for RBC................................................................................
TOTAL RISK-BASED CAPITAL ..............................................................................

508,915
0
508,915

442,406
0
442,406

466,645
0
466,645

0
411,395
0
411,395

0
393,519
0
393,519

RISK-WEIGHTED ASSETS:
Total on-B/S RWA ...................................................................................................
Total off-B/S items & deriv cr eq RWA ....................................................................
Risk-weighted assets..............................................................................................
Market risk equivalent assets .................................................................................
Risk-weighted assets before deductions ................................................................
Less: Excess allow for loan & lease loss ...............................................................
Less: Alloc transfer risk reserve .............................................................................
Total risk-weighted assets ......................................................................................
Average total assets for leverage ratio ...................................................................

3,258,400
10,985
3,269,385
0
3,269,385
13,310
0
3,256,075
3,679,927

2,278,273
14,865
2,293,138
0
2,293,138
24,756
0
2,268,382
2,790,235

2,939,857
11,623
2,951,480
0
2,951,480
17,731
0
2,933,749
3,226,506

2,105,495
16,258
2,121,753
0
2,121,753
37,786
0
2,083,967
2,589,089

1,947,676
17,868
1,965,544
0
1,965,544
81,837
0
1,883,707
2,661,132

MEMORANDA:
Mortgage servicing assets ......................................................................................
Purchased credit card relationships & NMSA.........................................................
All other identifiable intangible assets ....................................................................
Cap purch prog–SR perp pref stk ...........................................................................
Cap purch prog–warrants .......................................................................................

15,895
2,032
4,416
0
0

10,354
1,219
827
0
0

14,206
1,902
5,225
0
0

8,449
1,161
1,037
0
0

7,419
1,338
1,320
0
0

CAPITAL RATIOS:
Tier 1 leverage ratio ................................................................................................
Tier 1 RBC ratio ......................................................................................................
Total risk-based capital ratio ...................................................................................
Tangible tier 1 leverage ratio ..................................................................................
Tangible common eq cap / Tan assets ...................................................................
Tier 1 Common Eq Cap / T RWA............................................................................
OTHER RATIOS:
Mtg srvg assets / Prin bal 1–4 fam others ..............................................................
Est FV of mtg srvg assets / Mtg serv asts ..............................................................

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 3

Pct

12.72
14.37
15.63
12.33
10.03
12.25

10.29
13.72
15.04
10.18
9.31
12.39

85
61
62
85
65
49

14.83
18.24
19.50
14.51
12.27
15.59

9.98
14.04
15.47
9.90
8.45
12.22

95
88
87
94
90
82

13.32
14.65
15.91
12.93
9.81
12.29

10.37
14.20
15.49
10.21
9.09
12.62

88
60
60
87
66
45

14.87
18.47
19.74
14.58
11.89
15.59

9.74
13.91
15.39
9.67
8.30
11.73

93
88
88
93
90
84

13.86
19.59
20.89
13.61
8.65
12.37

9.53
13.81
15.36
9.47
7.99
11.36

92
89
89
91
60
62

67.23
100

0.58
116.45

97
29

74.14
100

0.44
110.87

99
30

94.13
100

0.57
119.16

98
30

91.84
100

0.42
104.59

99
31

233.96
100

0.38
105.36

99
33

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 14A

RSSD Number 3248513
City/State

LOS ANGELES, CA

FR Dist: 12

Peer:

2

Regulatory Capital Components and Ratios: Advanced Approaches Institutions ONLY
09/30/2014

12/31/2013

09/30/2013

12/31/2012

12/31/2011

COMMON EQUITY TIER 1 CAPITAL: ($000)
Common Stock Plus Related Surplus ....................................................................
Retained Earnings ............................................................................................
Accumulated Other Comprehensive Income (AOCI) ........................................
Common Equity Tier 1 Minority Interest............................................................
Common Equity Tier 1 Capital Before Adjustments/Deductions.............................
COMMON EQUITY TIER 1 CAPITAL: ADJUSTMENTS/DEDUCTIONS
Less: Goodwill, Intangible Assets, & Deferred Tax Assets................................
Accumulated Other Comprehensive Income-Related Adjustments ..................
Other Deductions from Common Equity Tier 1 Capital .....................................
Less: Non-significant Investments ....................................................................
Subtotal ..................................................................................................................
Less: Significant Investments, MSAs, & Deferred Tax Assets > 10% ...............
Less: Significant Investments > 15% ................................................................
Less: Deductions Applied To Cover Deductions ...............................................
Total Adjustments & Deductions .......................................................................
COMMON EQUITY TIER 1 CAPITAL.....................................................................
ADDITIONAL TIER 1 CAPITAL:
Additional T1C Instruments & Related Surplus ................................................
Non-qualifying Capital Instruments ...................................................................
Tier 1 Minority Interest Not Incl in Common Equity Tier 1 Capital ....................
Additional Tier 1 Capital Before Deductions ..........................................................
Less: Additional Tier 1 Capital Deductions .......................................................
Additional Tier 1 Capital..........................................................................................
TIER 1 CAPITAL.....................................................................................................
TIER 2 CAPITAL:
Tier 2 Capital Instruments & Related Surplus ...................................................
Non-qualifying Capital Instruments ...................................................................
Total Capital Minority Interest Not Included in Tier 1 Capital ............................
Allowance for Loan & Lease Loss in Tier 2 Capital ..........................................
Exited Advance Approach Eligible Credit Reserves....................................
Unrealized Gains on AFS Preferred Stock Class as Equity..............................
Tier 2 Capital Before Deductions ......................................................................
Exited Advanced Approach T2C Before Deductions ...................................
Less: Tier 2 Capital Deductions .......................................................................
TIER 2 CAPITAL.....................................................................................................
EXITED ADVANCED APPROACH TIER 2 CAPITAL........................................
TOTAL CAPITAL .....................................................................................................
EXITED ADVANCED APPROACH TOTAL CAPITAL........................................
72TAL ASSETS FOR LEVERAGE RATIO:
Average Total Consolidated Assets ........................................................................
Less: Deductions from Common Equity Tier 1 Capital ...........................................
Less: Other Deductions ..........................................................................................
TOTAL ASSETS FOR LEVERAGE RATIO .............................................................
TOTAL RISK-WEIGHTED ASSETS .......................................................................
EXITED ADVANCED APPROACH TOTAL RWA ..............................................
CAPITAL RATIOS:
Common Equity Tier 1 Capital, Column A ..............................................................
Common Equity Tier 1 Capital, Column B ........................................................
Tier 1 Capital, Column A .........................................................................................
Tier 1 Capital, Column B ...................................................................................
Total Capital, Column A ..........................................................................................
Total Capital, Column B ....................................................................................
Tier 1 Leverage ..............................................................................................................

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 2

Pct

BHC

Peer 3

Pct

BHC

Peer 3

Pct

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 15

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist:

12

Peer:

2

Insurance and Broker-Dealer Activities
09/30/2013

09/30/2014

12/31/2013

12/31/2011

12/31/2012

Percent Change
1-qtr
1-yr

INSURANCE ACTIVITIES: ($000)
Total insurance underwriting assets ......................................
Total property casualty companies ..................................
Reinsurance recoverables (P/C) ................................
Total life health companies ..............................................
Reinsurance recoverables (L/H) ................................
Separate account assets (L/H) ..................................

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

Total insurance underwriting equity .......................................
Total property casualty companies ..................................
Total life health companies ..............................................
Total insurance underwriting net income ...............................
Total property casualty companies ..................................
Total life health companies ..............................................

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

Claims & claims adj expense reserves (P/C) ........................
Unearned premiums (P/C).....................................................
Policyholder ben & contracthold funds (L/H) .........................
Separate account liabilities (L/H) ...........................................
Insurance activities revenue ..................................................
Other Insurance Activities Income ...................................
Ins & reins underwriting inc..............................................
Premiums ...................................................................
Credit related insur underwriting ..........................
Other insurance underwriting ...............................
Insurance benefits, losses, expenses....................................
Net assets of insurance underwriting subs ............................
Life insurance assets .............................................................

0
0
0
0
153
153
0
0
0
0
0
0
22,945

0
0
0
0
116
116
0
0
0
0
0
0
22,372

0
0
0
0
176
176
0
0
0
0
0
0
22,519

0
0
0
0
186
186
0
0
0
0
0
0
21,214

0
0
0
0
202
202
0
0
0
0
0
0
19,888

ANALYSIS RATIOS:
Ins underwriting assets / Consol assets ................................
Ins under assets (P/C) / Tot ins und asts .........................
Ins under assets (L/H) / Tot ins und asts .........................
Sep acct assets (L/H) / Total life asts .........................

09/30/2014
BHC
Peer 2

Pct

BHC

09/30/2013
Peer 3

Pct

BHC

12/31/2013
Peer 2

Pct

BHC

12/31/2012
Peer 3

Pct

BHC

12/31/2011
Peer 3

Pct

0.00

0.00
62.50
37.50
0.00

46

0.00

0.00
55.05
44.95
0.00

48

0.00

0.00
60.81
39.19
0.00

46

0.00

0.00
63.17
36.83
0.00

48

0.00

0.00
53.95
46.05
0.00

48

Ins activities revenue / Adj oper inc .......................................
Premium inc / Ins activities revenue ................................
Credit rel prem inc / Tot prem inc ...............................
Other prem inc / Total prem inc ..................................

0.11
0.00

0.73
0.20
42.86
57.14

57
46

0.11
0.00

0.52
0.00
83.33
16.67

65
48

0.12
0.00

0.81
0.46
44.44
55.56

53
45

0.14
0.00

0.51
0.00
88.89
11.11

64
47

0.16
0.00

0.58
0.00
77.78
22.22

64
47

Ins under net income / Consol net income ............................
Ins net inc (P/C) / Equity (P/C).........................................
Ins net inc (L/H) / Equity (L/H) .........................................
Insur ben, losses, exp / Insur premiums ................................

0.00

0.00
18.62
-0.09
88.61

47

0.00

0.00
5
26.07
64.08

49

0.00

0.00
13.98
14.90
110.11

48

0.00

0.00
1.10
17.91
168.17

49

0.00

0.00
15.48
-200.43
245.33

48

Reinsurance recov (P/C) / Tot assets (P/C)...........................
Reinsurance recov (L/H) / Tot assets (L/H) ...........................
Net assets ins under subs / Cons assets ..............................
Life insurance assets / Tier 1 cap + ALLL..............................
BROKER-DEALER ACTIVITIES
Net assets of broker-dealer subs ($000) ...............................
Net assets broker-dealer subs / Cons asts............................

0.00
4.40

2.43
0.00
0.00
11.49

50
19

0.00

0.00

0
48

0.00
4.80

20.28
20
0.00
10.73

49
29

0.00

0.00

0
49

0.00
4.66

2.10
1.73
0.00
10.85

50
23

0.00

0.00

0
48

0.00
4.73

14.32
20
0.00
10.62

49
31

0.00

0.00

0
49

0.00
4.21

16.87
16.67
0.00
10.13

49
29

0.00

0.00

0
49

82.14
82.14

31.90
31.90

0.62

2.56

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 16

3248513

City/State LOS ANGELES, CA

FR Dist:

12

Peer:

2

Foreign Activities
09/30/2014

12/31/2013

09/30/2013

12/31/2012

12/31/2011

FOREIGN ACTIVITIES: ($000)
Total foreign loans and leases ................................................................................
Real estate loans ..............................................................................................
Commercial and industrial loans.......................................................................
Loans to dep inst & other banks accept............................................................
Loans to foreign govts and inst .........................................................................
Loans to individuals ..........................................................................................
Agricultural loans ..............................................................................................
Other foreign loans ...........................................................................................
Lease financing receivables .............................................................................

0
0
0
0
0
0
0
0
0

55,000
0
0
55,000
0
0
0
0
0

30,000
0
0
30,000
0
0
0
0
0

55,000
0
0
55,000
0
0
0
0
0

0
0
0
0
0
0
0
0
0

Debt securities ........................................................................................................
Interest-bearing bank balances ..............................................................................
Total selected foreign assets ..................................................................................
Total foreign deposits..............................................................................................
Interest-bearing deposits ..................................................................................
Non-interest-bearing deposits...........................................................................

0
0
0
0
0
0

0
0
55,000
0
0
0

0
0
30,000
0
0
0

0
0
55,000
0
0
0

0
0
0
0
0
0

BHC
ANALYSIS RATIOS:
Yield: Foreign loans ...............................................................................................
Cost: Interest-bearing deposits ..............................................................................

0.00

NET LOSSES AS % OF FOREIGN LNS BY TYPE:
Real estate loans ..............................................................................................
Commercial and industrial loans.......................................................................
Foreign governments and inst ..........................................................................
GROWTH RATES:
Net loans and leases ..............................................................................................
Total selected assets ..............................................................................................
Deposits..................................................................................................................

Peer 2
0.03
0.23

Pct
46

BHC
0.00

1.19
0.00

-100
-100

178.78
68.40
-9.09

Peer 3

Pct

0.00 48
1.05

BHC
0.00

0.10
0.00

2
2

83.33
83.33

18.04 83
30.09 82
-32.35

Peer 2
0.02
0.29

Pct
46

0.44
4.64

-45.45
-45.45

-9.76
-3.85
103.71

18
14

BHC
0.00

Peer 3
0.00
1.43

Pct
47

BHC

Peer 3
0.00
1.42

0.10
0.00

2.16
0.00

-15.37
-5.34
-21.01

-35.46
24
-28.41

Pct

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 17

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer:

2

Servicing, Securitization and Asset Sale Activities—Part 1
09/30/2014

06/30/2014

03/31/2014

12/31/2013

Percent Change
1-qtr
1-yr

09/30/2013

ACTIVITY: ($000)
Securitization activities ..........................................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commecial and industrial loans .......................................
All other loans and leases................................................
Retained interest-only strips ............................................
1–4 family residential loans........................................
Home equity lines ......................................................
Credit card receivables ..............................................
Auto loans ..................................................................
Commercial and industrial loans ................................
All other loans and leases ..........................................
Retained credit enhancements ..............................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total retained credit exposure ...............................................

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Unused commit to provide liq (servicer adv) .........................
Seller's interest in securities & loans .....................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

Asset-backed commercial paper conduits .............................
Cr exp from conduits by bank or oth inst .........................
Liq commit from conduits by bank or oth .........................

0
0
0

0
0
0

0
0
0

0
0
0

0
0
0

06/30/2014

09/30/2014
ACTIVITY % OF TOTAL ASSETS:
Securitization activities ..........................................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and Industrial loans .....................................
All other loans and leases................................................
Asset-backed commercial paper conduits .............................
Cr exp, conduits by bank or oth inst ................................
Liq commit, conduits by bank or oth ................................
PERCENT OF TOTAL MANAGED ASSETS (ONBALANCE-SHEET LOANS + SECURITIZED LOANS):
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans and other consumer loans .............................
Commercial and industrial loans......................................
All other loans and leases................................................

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

03/31/2014
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

09/30/2013

12/31/2013
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 18

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist: 12

Peer: 2

Servicing, Securitization and Asset Sale Activities—Part 2
09/30/2014

06/30/2014

12/31/2013

03/31/2014

09/30/2013

PCT TOT SECURITIZATION ACTIVITIES
BY TYPE:
Retained interest-only strips ..................................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Retained credit enhancements ..............................................
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Unused commit to prov liq (servicer adv) ..............................
Seller's interest in securities & loans .....................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
PERCENT OF TIER 1 CAPITAL:
Total retained credit exposure ...............................................
Retained interest-only strips ............................................
Retained credit enhancements ........................................
Tot ret cr exp & asset sale credit exp ...............................
($000)
30–89 DAYS PD SECURITIZED ASSETS:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 30–89 days PD securitized assets ................................
90 DAYS+ PD SECURITIZED
ASSETS: ($000)
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 90 days+ PD securitized assets....................................
Total past due securitized assets...........................................
NET LOSSES ON SECURITIZED
ASSETS: ($000)
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total net losses on securitized assets ...................................

0.00
0.00
0.00
0.00

09/30/2014

0.00
0.00
0.00
0.00

06/30/2014

0.00
0.00
0.00
0.00

03/31/2014

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

Percent Change
1-qtr
1-yr

09/30/2013

12/31/2013

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

0
0
0
0
0
0
0

BHC Name WILSHIRE BANCORP, INC.

FR BHCPR
Page 19

RSSD Number 3248513
City/State LOS ANGELES, CA

FR Dist:

12

Peer:

2

Servicing, Securitization and Asset Sale Activities—Part 3
09/30/2014
30–89 DAYS PD SEC ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 30–89 days PD securitized assets ................................
90+ DAYS PD SEC ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total 90+ days PD securitized assets....................................
TOTAL PD SEC ASSETS % OF SEC ASSETS ......................
NET LOSS ON SEC ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Auto loans ........................................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total net losses on sec assets ...............................................
30–89 DAYS PD MANAGED ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total managed loans PD 30–89 days ....................................
90+ DAYS PD MANAGED ASSETS % OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
All other loans and leases................................................
Total managed loans PD 90+ days........................................
TOTAL PAST DUE MANAGED ASSETS...............................
NET LOSSES ON MANAGED ASSETS
% OF TYPE:
1–4 family residential loans .............................................
Home equity lines ............................................................
Credit card receivables ....................................................
Commercial and industrial loans......................................
All other loans and leases................................................
NET LOSSES ON MANAGED ASSETS ...............................

06/30/2014

03/31/2014

12/31/2013

09/30/2013

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 20

3248513

City/State LOS ANGELES, CA

FR Dist:

12

Peer:

2

Parent Company Income Statement
09/30/2014

09/30/2013

Percent Change
1-yr
5-yr

12/31/2011

12/31/2012

12/31/2013

OPERATING INCOME: ($000)
Income from bank subsidiaries ..............................................
Dividends .........................................................................
Interest .............................................................................
Management and service fees.........................................
Other income ...................................................................

0
0
0
0
0

65,000
65,000
0
0
0

121,700
121,700
0
0
0

77,622
77,622
0
0
0

0
0
0
0
0

-100
-100

Income from nonbank subsidiaries ........................................
Dividends .........................................................................
Interest .............................................................................
Management and service fees.........................................
Other income ...................................................................

34
0
34
0
0

26
0
26
0
0

38
0
38
0
0

53
0
53
0
0

49
0
49
0
0

30.77

-47.69

30.77

-47.69

Income from subsidiary BHCs ...............................................
Dividends .........................................................................
Interest .............................................................................
Management and service fees.........................................
Other income ...................................................................

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

0
0
0
0
0

Total income from subsidiaries ..............................................

34

65,026

121,738

77,675

49

-99.95

-47.69

Securities gains (losses)........................................................
Other operating income .........................................................

0
0

0
0

0
0

0
0

0
0

Total operating income ...............................................

34

65,026

121,738

77,675

49

-99.95

-47.69

OPERATING EXPENSES: ($000)
Personnel expenses ..............................................................
Interest expense ....................................................................
Other expenses .....................................................................
Provision for loan and lease losses .......................................

1,111
0
2,021
0

695
0
2,326
0

919
0
4,069
0

1,206
0
2,746
0

678
0
2,250
0

59.86

31.17

-13.11

-17.31

Total operating expenses ...........................................

3,132

3,021

4,988

3,952

2,928

3.67

-4.83

Income (loss) before taxes.........................................
Applicable income taxes (credit)............................................
Extraordinary items................................................................
Income before undist inc of subs ...............................

-3,098
-1,420
0
-1,678

62,005
-1,373
0
63,378

116,750
-2,268
0
119,018

73,723
-1,787
0
75,510

-2,879
-1,161
0
-1,718

Equity in undistributed inc of subs .........................................
Bank subsidiaries.............................................................
Nonbank subsidiaries ......................................................
Subsidiary BHCs..............................................................

44,584
44,584
0
0

-28,916
-28,916
0
0

-73,643
-73,643
0
0

16,795
16,795
0
0

-28,612
-28,612
0
0

Net income (loss)...................................................................

42,906

34,462

45,375

92,305

-30,330

24.50

167.36

MEMORANDA:
Bank net income ....................................................................
Nonbank net income..............................................................
Subsidiary BHCs' net income ................................................

44,584
0
0

36,084
0
0

48,057
0
0

94,417
0
0

-28,612
0
0

23.56

140.94

140.94
140.94

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 21

3248513

City/State LOS ANGELES, CA

FR Dist:

12

Peer:

2

Parent Company Balance Sheet
09/30/2014
ASSETS: ($000)
Investment in bank subs .....................................................................
Common and preferred stock .......................................................
Exc cost over fair value.................................................................
Loans, adv, notes, & bonds ..........................................................
Other receivables..........................................................................
Investment in nonbank subs ...............................................................
Common and preferred stock .......................................................
Exc cost over fair value.................................................................
Loans, adv, notes, & bonds ..........................................................
Other receivables..........................................................................
Investment in sub BHCs .....................................................................
Common and preferred stock .......................................................
Exc cost over fair value.................................................................
Loans, adv, notes, & bonds ..........................................................
Other receivables..........................................................................
ASSETS EXCLUDING INV IN SUBS:
Net loans and leases ....................................................................
Securities ......................................................................................
Sec purchased (rev repos) ...........................................................
Cash & due fr affil dep inst............................................................
Cash & due fr unrel dep inst .........................................................
Premises, furn, fix & equip ............................................................
Intangible assets ...........................................................................
Other assets .................................................................................
Bal due fr subs & rel inst ...............................................................
Total assets .............................................................................

% of
Total

09/30/2013

% of
Total

12/31/2013

% of
Total

12/31/2012

12/31/2011

526,326
526,326
0
0
0
2,476
2,476
0
0
0
0
0
0
0
0

95.45
95.45
0.00
0.00
0.00
0.45
0.45
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

358,128
358,128
0
0
0
1,857
1,857
0
0
0
0
0
0
0
0

83.61
83.61
0.00
0.00
0.00
0.43
0.43
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

478,681
478,681
0
0
0
2,476
2,476
0
0
0
0
0
0
0
0

93.21
93.21
0.00
0.00
0.00
0.48
0.48
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

391,940
391,940
0
0
0
1,857
1,857
0
0
0
0
0
0
0
0

375,095
375,095
0
0
0
2,321
2,321
0
0
0
0
0
0
0
0

0
0
0
17,820
0
0
0
4,770
0
551,392

0.00
0.00
0.00
3.23
0.00
0.00
0.00
0.87
0.00
100.00

0
0
0
64,422
0
0
0
3,934
0
428,341

0.00
0.00
0.00
15.04
0.00
0.00
0.00
0.92
0.00
100.00

0
0
0
29,984
0
0
0
2,404
0
513,545

0.00
0.00
0.00
5.84
0.00
0.00
0.00
0.47
0.00
100.00

0
0
0
8,065
0
0
0
2,461
0
404,323

0
0
0
6,804
0
0
0
3,145
0
387,365

LIABILITIES AND CAPITAL:
Deposits .............................................................................................
Securities sold (repos) ........................................................................
Commercial paper ..............................................................................
Other borrowings 1 yr or less .............................................................
Borrowings with mat over 1 yr ............................................................
Subordinated notes and deb ..............................................................
Other liabilities ....................................................................................
Bal due to sub & rel inst......................................................................
Total liabilities ..........................................................................
Equity Capital .....................................................................................
Perpetual pfd stk (inc surplus) ......................................................
Common stock ..............................................................................
Common surplus...........................................................................
Retained earnings.........................................................................
Accum oth comprehensive inc ......................................................
Oth equity capital components .....................................................
Total liab and equity capital ................................................................

0
0
0
0
0
0
3,963
71,722
75,685
475,707
0
215,705
21,559
240,770
3,222
-5,549
551,392

0.00
0.00
0.00
0.00
0.00
0.00
0.72
13.01
13.73
86.27
0.00
39.12
3.91
43.67
0.58
-1.01
100.00

0
0
0
0
0
0
2,168
61,857
64,025
364,316
0
146,620
20,297
201,033
1,915
-5,549
428,341

0.00
0.00
0.00
0.00
0.00
0.00
0.51
14.44
14.95
85.05
0.00
34.23
4.74
46.93
0.45
-1.30
100.00

0
0
0
0
0
0
2,391
71,550
73,941
439,604
0
214,845
20,540
209,605
162
-5,548
513,545

0.00
0.00
0.00
0.00
0.00
0.00
0.47
13.93
14.40
85.60
0.00
41.84
4
40.82
0.03
-1.08
100.00

0
0
0
0
0
0
49
61,857
61,906
342,417
0
146,107
19,945
170,816
6,811
-1,262
404,323

0
0
0
0
0
0
462
77,321
77,783
309,582
61,000
146,054
19,919
77,110
6,761
-1,262
387,365

MEMORANDA:
Loans and adv fr bank subs ...............................................................
Loans and adv fr nonbk subs .............................................................
NP to subs iss tr prf sec ................................................................
Loans and adv from sub BHCs...........................................................
Subord & LT debt 1 yr or less .............................................................
Guar lns to bks, nonbks, BHCs ..........................................................

0
71,722
69,246
0
0
0

0.00
13.01
12.56
0.00
0.00
0.00

0
61,857
60,000
0
0
0

0.00
14.44
14.01
0.00
0.00
0.00

0
71,550
71,550
0
0
0

0.00
13.93
13.93
0.00
0.00
0.00

0
61,857
60,000
0
0
0

0
77,321
75,000
0
0
0

Percent Change
1-yr
5-yr
46.97
46.97

53.44

33.33
33.33

6.68
6.68

-72.34

234.65

21.25

337.61

28.73

56.75

82.80
15.95
18.21
30.58
47.12
6.22
19.77
68.25

102.61
-7.24
-4.53
74.58
-100
479.28
15.47
61.31
-63.29

28.73

56.75

15.95
15.41

-7.24
-7.67

53.44

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 22

3248513

City/State LOS ANGELES, CA

FR Dist:

12

Peer:

2

Parent Company Analysis—Part 1
09/30/2014
BHC
Peer 2
PROFITABILITY:
Net income / Avg equity capital ..............................................................................
Bank net inc / Avg eq inv in banks ..........................................................................
Nonbk net inc / Avg eq inv in nonbanks..................................................................
Sub BHCs net inc / Avg eq inv in sub BHCs...........................................................
Bank net income / Parent net income.....................................................................
Nonbank net income / Parent net income ..............................................................
Sub BHCs net inc / Parent net income ...................................................................
LEVERAGE:
Total liabilities / Equity capital .................................................................................
Total debt / Equity capital........................................................................................
Tot debt + NP to subs Iss tr pref / Equity capital .....................................................
Tot debt + Lns guaranteed for affl / Equity capital ..................................................
Total debt / Eq cap – exc over fair value.................................................................
Long-term debt / Equity capital ...............................................................................
Short-term debt / Equity capital ..............................................................................
Current portion of LT debt / Equity capital ..............................................................
Exc cost over fair value / Equity capital ..................................................................
Long-term debt / Consolidated LT debt ..................................................................
DOUBLE LEVERAGE:
Equity investment in subs / Equity capital ..............................................................
Total investment in subs / Equity capital .................................................................
Equity inv in subs / Eq cap, Qual TPS + Oth PS in T1 ...........................................
Total inv in subs / Eq cap, Qual TPS + Oth PS in T1..............................................
DOUBLE LEVERAGE PAYBACK:
Equity inv in subs – eq cap / Net inc (X) .................................................................
Equity inv in subs – eq cap / Net inc-div (X) ...........................................................
COVERAGE ANALYSIS:
Op inc-tax + noncash / Oper exp + div ...................................................................
Cash fl fr op + noncash + op ex / Op ex + div ........................................................
Adj cash fl / Op exp + repaid LT debt + div.............................................................
Pretax oper inc + int exp / Int expense ...................................................................
Pretax opinc + int exp + tr pref / Int exp + tr ...........................................................
Div + int from subs / Int exp + div ...........................................................................
Fees + other inc from subs / Sal + oth exp .............................................................
Net inc / Curr part of LT debt + pfd div (X) ..............................................................
OTHER RATIOS:
Net assets repr in 1 yr / Total assets ......................................................................
PAST DUE AND NONACCRUAL AS % OF LNS&LS:
90+ days past due ............................................................................................
Nonaccrual........................................................................................................
Total ............................................................................................................
GUARANTEED LOANS AS % OF EQUITY CAPITAL:
To bank subsidiaries .........................................................................................
To nonbank subsidiaries ...................................................................................
To subsidiary BHCs ..........................................................................................
Total ............................................................................................................
AS A PCT OF CONSOLIDATED BHC ASSETS:
Nonbank assets of nonbank subsidiaries ...............................................................
Combined thrift assets ............................................................................................
Combined foreign nonbank sub assets ..................................................................

12.33
11.83
0.00

Pct
Peer

09/30/2013
3
BHC

8.15
9.13
7.88
6.93
91.43
1.44
97.41

85
80
21

12.84
12.45
0.00

53
22

104.71
0.00

15.91
0.00
14.56
0.00
0.00
0.00
0.00
0.00
0.00
0.00

10.79
2.28
8.55
2.39
2.30
2.18
0.00
0.00
0.01
6.79

69
34
72
33
34
35
46
46
44
34

111.16
111.16
97.04
97.04

103.43
104.13
96.07
96.84

0.93
1.28

13.74
15.97
12.94

103.91
0.00

-140.71
0.29
0.00

-13.02

Pct

12/31/2013
BHC
Peer 2

8.63
9.35
3.83
6.46
105.46
0.56
86.24

83
77
23

12
11.87
0.00

49
27

105.91
0.00

17.57
0.00
16.47
0.00
0.00
0.00
0.00
0.00
0.00
0.00

13.34
1.80
10.53
1.86
1.81
1.44
0.06
0.00
0.02
4.89

65
33
67
33
33
36
44
47
44
34

77
76
48
45

98.81
98.81
84.84
84.84

106.73
107.12
98.91
99.17

0.23
1.70

69
47

-0.09

123.55
122.44
112.07
14,241.30
2,337.79
169.81
7.26
137.73

10
13
12

917.99
1,275.11
1,201.71

10
10
36

7,420.54
1,532.19
0.00

1.50

3

-14.45

0.00
14.21
14.21

Pct

BHC

12/31/2012
Peer 3

12/31/2011
BHC
Peer 3

Pct

-11.47
-8.73
0.00

5.65
6.40
1.39
4.03
109.87
0.67
92.15

8
10
33

62
32
66
33
32
36
43
47
44
35

25.13
0.00
24.23
0.00
0.00
0.00
0.00
0.00
0.00
0.00

17.21
2.09
14
2.26
2.14
1.50
0.14
0.00
0.05
3.56

70
32
74
32
32
36
43
46
43
35

108.60
109.07
99.69
100.03

67
67
37
34

121.91
121.91
98.14
98.14

110.87
111.40
99.23
99.66

75
73
43
39

0.56
0.56

0.72
2.65

51
15

96
97
95

1,677.78
1,576.92
109.93

99
98
70

26.57
13.95
108.63

89
95
33

4,315.15
9,347.17
0.00
111.08

113.24
119.06
96.16
4,483.71
1,090.42
186.61
7.01
29.24

89
99
37
89

-75.02
1.58
0.00

3

-13.32

0.38

3

-19.98

8.89
9.58
5.30
8.81
89.61
1.28
95.12

78
72
23

30.01
25.59
0.00

66
20

102.29
0.00

16.82
0.00
16.28
0.00
0.00
0.00
0.00
0.00
0.00
0.00

12.08
1.87
9.04
1.98
1.90
1.74
0.01
0.00
0.02
6.26

70
34
77
34
34
36
46
46
43
35

28
27
4
4

109.45
109.45
94.62
94.62

103.93
104.60
95.52
96.27

0.51
2.33

32

0.92
1.07

123.75
127.75
113.91
5,350.98
1,186.98
203.59
6.57
38.26

97
97
97

1,074.73
1,323.98
341.57

93
94
37

9,853.55
1,848.44
0.00

0.60

2

-13.94

0.00
15.24
15.24

Pct

7.53
8.19
3.49
7.53
107.64
0.55
94.81

98
97
24

18.08
0.00
17.52
0.00
0.00
0.00
0.00
0.00
0.00
0.00

15.09
1.96
12.04
2.10
1.97
1.44
0.12
0.00
0.02
4.83

68
68
37
35

115.01
115.01
97.86
97.86

0.33
1.88

68
43

142.62
137.48
102.77
10,006.99
1,951.43
186.55
10.43
134.51

1.42
0.00
8.47
8.47

32
27

1.22
3.30

0.00
19.72
19.72

91.49
98
97.52
3,100.75
582.61
119.06
7.93
28.22

21
16
64

0.77

2

18
18
36

0.00
17.91
17.91

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

49
48
50
48

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

50
49
50
49

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

49
48
50
48

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

49
49
50
49

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

50
49
50
49

0.00
0.00
0.00

0.27
0.00
0.00

24
50
49

0.00
0.00
0.00

0.19
0.00
0.00

32
50
49

0.00
0.00
0.00

0.35
0.00
0.00

21
49
48

0.00
0.00
0.00

0.20
0.00
0.00

31
50
49

0.00
0.00
0.00

0.25
0.00
0.00

30
49
49

BHC Name WILSHIRE BANCORP, INC.
RSSD Number

FR BHCPR
Page 23

3248513

City/State LOS ANGELES, CA

FR Dist:

12

Peer:

2

Parent Company Analysis—Part 2
09/30/2014
BHC
Peer 2

Pct

BHC

09/30/2013
Peer 3

Pct

12/31/2013
BHC
Peer 2

Pct

BHC

12/31/2012
Peer 3

Pct

PAYOUT RATIOS - PARENT:
Div paid / Inc before undist inc ...............................................................................
Dividends paid / Net income ...................................................................................
Net income – dividends / Avg equity.......................................................................

27.35
8.96

86.76
28.85
5.45

43
85

6.70
12.32
11.26

66.08
22.54
6.56

16
40
87

5.53
14.51
10.26

75.35
29.52
6.13

12
35
82

1.10
0.90
29.74

67.16
25.67
5.34

11
23
99

PERCENT OF DIVIDENDS PAID:
Dividends from bank subs ................................................................................
Dividends from nonbank subs ..........................................................................
Dividends from subsidiary BHCs ......................................................................
Dividends from all subsidiaries ...................................................................

0.00
0.00
0.00
0.00

168.51
2.59
0.94
181.34

12
26
47
6

1,531.57
0.00
0.00
1,531.57

155.36
0.82
0.05
172.25

96
30
47
96

1,847.86
0.00
0.00
1,847.86

166.91
3.29
1.02
214.66

96
24
47
94

9,340.79
0.00
0.00
9,340.79

161.67
0.86
0.34
178.98

99
30
47
99

PAYOUT RATIOS - SUBSIDIARIES:
PERCENT OF BANK NET INCOME:
Dividends from bank subs...........................................................................
Interest income from bank subs ..................................................................
Mgt & service fees from bank subs .............................................................
Other income from bank subs .....................................................................
Operating income from bank subs ........................................................

0.00
0.00
0.00
0.00
0.00

43.71
0.12
0.91
0.01
46.64

12
28
40
45
7

180.14
0.00
0.00
0.00
180.14

33.83
0.05
1.17
0.01
38.23

96
35
42
45
95

253.24
0.00
0.00
0.00
253.24

48.94
0.17
1.66
0.01
59.95

97
26
39
44
97

82.21
0.00
0.00
0.00
82.21

39.24
0.07
1.46
0.03
45.19

81
33
41
44
77

PERCENT OF NONBANK NET INCOME:
Dividends from nonbank subs.....................................................................
Interest income from nonbank subs ............................................................
Mgt & serv fees from nonbank subs ...........................................................
Other income from nonbank subs ...............................................................
Operating inc from nonbank subs .........................................................
PERCENT OF SUB BHCs' NET INCOME:
Dividends from subsidiary BHCs ................................................................
Interest inc from subsidiary BHCs...............................................................
Mgt & serv fees from sub BHCs..................................................................
Other income from subsidiary BHCs...........................................................
Operating income from sub BHCs ........................................................

BHC

12/31/2011
Peer 3

Pct

-12.65

73.51
24.06
3.82

9

0.00
0.00
0.00
0.00

107.13
1.02
0.00
122

16
29
47
9

29.01
0.05
2.22
0.02
35.21

54.12
0.18
0.21
0.03
64.94

65.26
0.01
0.79
0.09
79.07

59.79
0.16
2.17
0.00
76.08

62.38
0.02
0.77
0.19
74.31

60.42
0.00
0.43
0.00
65.49

35.31
0.03
0.00
0.00
35.34

21.63
0.00
0.30
0.00
22.55

48.48
0.02
1.84
0.00
50.34

24.03
0.00
1.16
0.00
26.27

16.73
0.00
0.76
0.00
20.24

DEPENDENCE ON SUBSIDIARIES:
PERCENT OF TOTAL OPERATING INCOME:
Dividends from bank subsidiaries ...............................................................
Interest income from bank subs ..................................................................
Mgt & serv fees from bank subs .................................................................
Other income from bank subs .....................................................................
Operating income from bank subs ........................................................

0.00
0.00
0.00
0.00
0.00

61.81
1.40
2.05
0.01
74.11

14
27
40
45
7

99.96
0.00
0.00
0.00
99.96

59.06
1.55
2.13
0.04
71.57

88
33
41
45
75

99.97
0.00
0.00
0.00
99.97

61.39
2.53
2.70
0.04
77.77

92
25
39
44
85

99.93
0.00
0.00
0.00
99.93

56.48
1.37
2.04
0.07
72.24

89
33
41
45
77

0.00
0.00
0.00
0.00
0.00

47.04
4.18
4.31
0.09
70.80

21
30
40
45
9

Dividends from nonbank subs.....................................................................
Interest income from nonbank subs ............................................................
Mgt & serv fees from nonbank subs ...........................................................
Other income from nonbank subs ...............................................................
Operating inc from nonbank subs .........................................................

0.00
100
0.00
0.00
100

1.20
0.01
0.00
0.00
2.42

28
99
47
47
98

0.00
0.04
0.00
0.00
0.04

1.91
0.00
0.00
0.00
4.75

31
92
47
47
51

0.00
0.03
0.00
0.00
0.03

1.34
0.02
0.01
0.00
2.80

27
91
45
48
49

0.00
0.07
0.00
0.00
0.07

1.14
0.01
0.00
0.00
3.26

31
92
47
47
53

0.00
100
0.00
0.00
100

0.67
0.01
0.00
0.00
4.10

32
98
46
47
97

Dividends from subsidiary BHCs ................................................................
Interest income from subsidiary BHCs........................................................
Mgt & serv fees from sub BHCs..................................................................
Other income from subsidiary BHCs...........................................................
Operating income from sub BHCs ........................................................

0.00
0.00
0.00
0.00
0.00

1.89
0.00
0.00
0.00
1.90

46
49
49
50
46

0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00

47
49
49
50
47

0.00
0.00
0.00
0.00
0.00

0.19
0.00
0.00
0.00
0.26

47
49
48
50
46

0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.21

47
49
49
50
46

0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00

48
49
49
50
47

Loans and adv from subs / St debt .............................................................
Loans and adv from subs / Total debt .........................................................

141.58
132.72

700.37
298.81

659.04
226.69

587.17
296.84

515.27
251.26