Wilshire Bancorp Reports Net Income of $11.3 Million or $0.16 Per Share for Third Quarter 2013

Wilshire Bancorp Reports Net Income of $11.3 Million or $0.16 Per Share for
Third Quarter 2013

LOS ANGELES, Oct. 21, 2013 (GLOBE NEWSWIRE) -- Wilshire Bancorp, Inc.
(Nasdaq:WIBC) (the "Company"), the holding company for Wilshire Bank, formerly
Wilshire State Bank (the "Bank"), today reported net income available to
common shareholders of $11.3 million, or $0.16 per diluted common share, for
the quarter ended September 30, 2013. This compares to net income available to
common shareholders of $38.5 million, or $0.54 per common share, for the same
period of the prior year, and net income available to common shareholders of
$11.5 million, or $0.16 per common share, for the second quarter of 2013.

Jae Whan (J.W.) Yoo, President and CEO of Wilshire Bancorp, said, "We are
pleased with our third quarter performance, which was driven by solid revenue
growth, enhanced efficiencies and continued improvement in our credit quality.
We saw a significant pick-up in our commercial real estate lending during the
third quarter, which helped increase our loan portfolio by nearly 5% from the
end of the prior quarter. We continue to enhance our ability to generate new
customer relationships, most notably through the creation of a New Business
Marketing Group led by our new Chief Marketing Officer, which will focus on
increasing penetration in our primary markets.

"We are seeing strong improvement in our core earnings power, with our
pre-tax, pre-provision income increasing 20% on a year-over-year basis. With
the acquisition of BankAsiana, which closed earlier this month, and our
pending acquisition of Saehan Bancorp, we believe we have additional catalysts
in place that should enable us to continue improving our core earnings power
in the years ahead and creating significant value for shareholders," said Mr.
Yoo.

Q3 2013 Summary

  *Net income available to common shareholders totaled $11.3 million or $0.16
    per diluted common share
  *Total revenue of $34.5 million, an increase of 7.2% from the third quarter
    of 2012
  *Return on average assets of 1.62%; return on average equity of 12.61%
  *Operating efficiency ratio of 51.7% for Q3 2013 compared to 57.0% for Q3
    2012
  *Loans receivable totaled $2.20 billion at September 30, 2013, an increase
    of 4.9% from $2.09 billion at June 30, 2013
  *Total deposits were $2.25 billion at September 30, 2013, an increase of
    3.3% from $2.18 billion at June 30, 2013
  *Continued improvement in credit quality resulted in no provision for
    losses on loans and loan commitments for Q3 2013

STATEMENT OF OPERATIONS

Pre-Tax, Pre-Provision Income

Pre-tax, pre-provision income (PTPP) was $16.7 million for the third quarter
of 2013, compared with $13.9 million for the third quarter of 2012, and $17.0
million for the second quarter of 2013. PTPP is a Non-GAAP measure of
financial performance. Please refer to the "Reconciliation of GAAP Financial
Measures to Non-GAAP Financial Measures" table at the end of this press
release for a reconciliation of PTPP to net income and important information
about Non-GAAP measures of financial performance.

Net Interest Income and Margin

Net interest income before credit for losses on loans and loan commitments
totaled $26.7 million for the third quarter of 2013, an increase of 4.3% from
$25.6 million for the third quarter of 2012, and an increase of 3.7% from
$25.8 million in the second quarter of 2013. The increase from prior quarter
is largely attributable to large recovery of interest income from loans that
were put back on accrual status.

Net interest margin was 4.17% for the third quarter of 2013, compared to 4.35%
in the third quarter of 2012, and 4.06% for the second quarter of 2013. The
increase in net interest margin from the second quarter of 2013 was also due
to the recovery of interest income that was previously reversed out due to
certain loans being put on non-accrual status. As credit quality in these
loans improved, the loans were put back on accrual status and the previously
reversed interest income was recognized during the third quarter of 2013.

Loan yields increased to 5.18% for the third quarter of 2013 from 5.10% for
the second quarter of 2013, largely due the recovery of $1.1 million in
foregone interest related to loans that were upgraded from non-accrual to
accrual status during the third quarter of 2013.

The total cost of deposits was 0.53% for the third quarter of 2013, compared
with 0.51% for the second quarter of 2013. The increase in the total cost of
deposits is primarily attributable to an increase in the cost of time
deposits.

Non-Interest Income

Total non-interest income was $7.8 million for the third quarter of 2013,
compared to $6.6 million for the third quarter of 2012, and $8.3 million for
the second quarter of 2013. The decrease from the prior quarter was primarily
due to lower net gain on sales of loans during the third quarter of 2013 as
the premiums for Small Business Administration ("SBA") loan sales continued to
decline during the third quarter of 2013.

The $2.8 million in net gains on sales of loans recognized in the third
quarter of 2013 was substantially all gains from the sale of SBA loans. During
the third quarter of 2013, the Company sold $30.2 million in SBA loans,
compared with $30.6 million sold during the second quarter of 2013.

Non-Interest Expense

Total non-interest expense was $17.8 million for the third quarter of 2013,
compared with $18.3 million for the third quarter of 2012, and $17.1 million
for the second quarter of 2013.

Total salaries and employee benefits expense was $8.8 million for the third
quarter of 2013, compared with $9.4 million for the third quarter of 2012, and
$9.5 million for the second quarter of 2013. The decrease from the prior
quarter was primarily due to lower bonus accruals.

Other non-interest expense for the third quarter of 2013 totaled $6.3 million,
compared with $4.4 million in the third quarter of 2012, and $4.9 million for
the second quarter of 2013. The increase from the prior periods was primarily
attributable to higher professional fees related to acquisition activity.

The Company's operating efficiency ratio was 51.7% for the third quarter of
2013, compared with 57.0% for the third quarter of 2012 and 50.1% for the
second quarter of 2013.

Tax Provision

For the third quarter of 2013, the Company recorded a provision for income
taxes totaling $5.4 million, reflecting an effective tax rate of 32.1%. The
effective tax rate is lower than historical rates primarily due to the
generation of tax credits associated with the Company's investment in
affordable housing programs.

BALANCE SHEET

Total gross loans receivable, were $2.20 billion at September 30, 2013,
compared to $2.09 billion at June 30, 2013. The increase in total gross loans
receivable during the third quarter of 2013 was primarily due to a $103.5
million increase in the real estate secured portfolio.

The following table shows gross loans (excluding loan fees and allowance for
loan losses) by loan type:

Loan Categories

                 Quarter Ended
(Dollars In       September   June 30,    March 31,   December 31, September
Thousands)        30, 2013    2013        2013        2012         30, 2012
                                                              
Construction      $32,119    $36,371    $34,030    $20,928     $20,311
Real Estate       1,819,052   1,715,567   1,695,980   1,692,273    1,629,951
Secured
Commercial &      342,057     337,057     313,645     284,318      288,585
Industrial
Consumer          9,637       11,089      11,684      13,674       14,153
Gross Loans       2,202,865   2,100,084   2,055,339   2,011,193    1,953,000
Receivable *
Held-For-Sale     56,065      60,910      134,129     145,973      140,109
Loans
Total Gross Loans $2,258,930 $2,160,994 $2,189,468 $2,157,166  $2,093,109
*
                                                              
* Gross loans receivable and total gross loans are not net of deferred fees
and costs as shown in the consolidated balance sheet presentation

The following table shows quarterly loan originations by loan type:

Loan Originations

            Quarter Ended
(Dollars In  September 30,  June 30, 2013  March 31, 2013 December 31, September 30,
Thousands)   2013                                         2012         2012
                                                                       
Real Estate  $145,361 68%  $93,606  48%  $86,839  45%  $       60%  $80,700  39%
Secured                                                   157,901
Commercial & 23,710    11%  40,927    21%  55,096    29%  34,059  13%  40,683    19%
Industrial
Consumer     540       0%   75        0%   537       0%   3,083   1%   1,805     1%
SBA          36,001    17%  40,209    21%  27,379    14%  38,700  15%  27,457    13%
Residential  8,714     4%   20,022    10%  22,831    12%  30,624  11%  58,589    28%
Mortgage
Total Loan   $214,326 100% $194,839 100% $192,682 100% $       100% $209,234 100%
Originations                                              264,367
                                                                       

Originations for the third quarter of 2013 increased to $214.3 million from
$194.8 million in the second quarter of 2013. The increase was primarily due
to an increase in commercial real estate loan production.

Total SBA loans held-for-sale at the end of the third quarter of 2013 were
$53.5 million compared to $59.7 million at the end of the previous quarter.
The decision to retain or sell SBA loan production is made on a
quarter-to-quarter basis, depending on prevailing pricing in the secondary
market and the Company's liquidity needs.

Total deposits were $2.25 billion at September 30, 2013, compared with $2.18
billion at June 30, 2013. The increase in total deposits was driven by higher
balances of non-interest bearing demand deposits and jumbo time deposits
partially offset by a decrease in money markets. The increase in jumbo time
deposits was primarily attributable to a promotional campaign implemented
during the third quarter to commemorate the Bank's 33^rd anniversary. At
September 30, 2013, non-interest bearing demand deposits represented 29.1% of
total deposits, compared with 24.8% at September 30, 2012.

CREDIT QUALITY

The Company has experienced improving credit trends for several quarters, most
notably evidenced by decreases in criticized and classified loans. In light of
the continued improvement in credit quality, the Company determined that no
provision for losses on loans and loan commitments was required for the third
quarter of 2013. The allowance for loan losses totaled $52.4 million, or 2.38%
of gross loans (excluding loans held-for-sale), at September 30, 2013,
compared to $54.9 million, or 2.62% of gross loans (excluding loans
held-for-sale), at June 30, 2013. The coverage ratio of the allowance for loan
losses to non-performing assets was 155.1% at September 30, 2013, compared
with 197.9% at June 30, 2013.

Non-Performing Loans

At September 30, 2013, total non-performing loans were $33.0 million, or 1.46%
of total gross loans, compared to $26.8 million, or 1.24% of total gross
loans, at June 30, 2013. The increase in non-performing loans was primarily
attributable to one relationship consisting of loans on four senior assisted
living properties totaling approximately $8.0 million. These four loans have
been on classified status for some time before being moved to non-performing
status during the third quarter of 2013 as the Bank began to move more
aggressively towards a resolution of these problem loans. Based upon recent
appraisal data, the Bank established a specific reserve of approximately $800
thousand against these loans, which was charged-off at the end of the third
quarter of 2013.

Non-performing covered loans (previously acquired loans covered under FDIC
loss share agreements) totaled $5.7 million at September 30, 2013.

The following table shows total non-performing loans by loan type:

NON-PERFORMING LOANS              Quarter Ended
(Dollars In Thousands, Net of SBA Sep 30,  Jun 30,  Mar 31,  Dec 31,  Sep 30,
Guaranty Portions)                2013     2013     2013     2012     2012
                                                                 
Construction                      $2,471  $5,467  $5,542  $5,644  $7,678
Real Estate Secured               29,568   20,090   19,366   21,007   29,726
Commercial & Industrial           1,004    1,224    1,169    1,302    1,478
Total Non-Performing Loans        $33,043 $26,781 $26,077 $27,953 $38,882
                                                                 

Gross Loan Charge-offs

Total loan charge-offs for the third quarter of 2013 totaled $3.2 million,
compared to $4.4 million in the second quarter of 2013. The largest component
of the third quarter 2013 loan charge-offs was the four commercial real estate
loans discussed above. Covered loan charge-offs totaled $379 thousand for the
third quarter of 2013.

Charge-offs by loan type are reflected in the table below:

LOAN CHARGE-OFFS   Quarter Ended
(Dollars In        Sep 30,     Jun 30,     Mar 31,     Dec 31,     Sep 30,
Thousands)         2013        2013        2013        2012        2012
                                                              
Real Estate        $2,438     $3,668     $4,405     $1,776     $3,015
Secured
Commercial &       764         746         1,183       1,224       112
Industrial
Consumer           --          --          1           --          --
Total Loan         $3,202     $4,414     $5,589     $3,000     $3,127
Charge-Offs
                                                              

Other measures of credit quality are shown in the following tables:

DELINQUENTLOANS --By Days  Quarter Ended
Past Due
(Dollars In Thousands, Net   Sep 30,   Jun 30,   Mar 31,   Dec 31,   Sep 30,
of SBA Guaranty Portions)    2013      2013      2013      2012      2012
                                                                
30 - 59 Days Past Due        $ 2,336   $ 4,993   $ 7,438   $ 3,059   $ 7,507
60 - 89Days Past Due        2,827     3,637     1,193     1,174     2,994
90 Days, and still accruing  --        126       1,000     --        --
Total Delinquent Loans       $ 5,163   $ 8,756   $ 9,631   $ 4,233   $ 10,501
                                                                
TROUBLED DEBT RESTRUCTURED   Quarter Ended
LOANS
(Dollars In Thousands, Net   Sep 30,   Jun 30,   Mar 31,   Dec 31,   Sep 30,
of SBA Guaranty Portions)    2013      2013      2013      2012      2012
                                                                
Real Estate Secured          $ 23,133  $ 23,671  $ 23,588  $ 28,268  $ 28,524
Commercial & Industrial      6,339     6,730     7,279     7,465     7,482
Total TDR Loans              $ 29,472  $ 30,401  $ 30,867  $ 35,733  $ 36,006
                                                                
LOAN CLASSIFICATIONS         Quarter Ended
(Dollars In Thousands, Net   Sep 30,   Jun 30,   Mar 31,   Dec 31,   Sep 30,
of SBA Guaranty Portions)    2013      2013      2013      2012      2012
                                                                
Special Mention              $ 43,519  $ 49,571  $ 74,553  $ 82,275  $ 94,716
Substandard                  127,855   138,319   144,521   157,192   165,473
Doubtful                     7,174     6,722     9,301     6,856     7,344
Total Criticized and         $ 178,548 $ 194,612 $ 228,375 $ 246,323 $ 267,533
Classified Loans
                                                                
Classified Loans             $ 135,029 $ 145,041 $ 153,822 $ 164,048 $ 172,817
                                                                

CAPITAL RATIOS

All of the Company's capital ratios remain in excess of "well capitalized"
regulatory requirements as shown in the following table:

                                               Well Capitalized  Total Excess
(Dollars In Thousands, Except   September 30,  Regulatory        Above Well
Per Share Info)                 2013           Requirements      Capitalized
                                                                 Requirements
                                                              
Tier 1 Leverage Capital Ratio   14.83%         5.00%             274,230
Tier 1 Risk-Based Capital Ratio 18.24%         6.00%             277,639
Total Risk-Based Capital Ratio  19.50%         10.00%            215,568
Tangible Common Equity To       12.63%         N/A               N/A
Tangible Assets *
Tangible Common Equity Per      $5.04         N/A               N/A
CommonShare *
_______________________                                        
* "Tangible Common Equity" and "Tangible Assets" are Non-GAAP measure of
financial performance.Please refer to the "Reconciliation of GAAP Financial
Measures to Non-GAAP Financial Measures" table at the end of this press
release for a reconciliation of Tangible Common Equity to Shareholders' Equity
and Tangible Assets to Total Assets


Share Repurchase Program

In March 2013, the Board of Directors of Wilshire Bancorp authorized the
repurchase of up to 5% of the Company's outstanding shares of common stock.
During the third quarter of 2013, the Company did not repurchase any shares.
Since the program's inception, 651,412 shares of common stock have been
repurchased for a total price of $3.2 million and an additional 2.9 million
shares can be repurchased before the program's expiration. However, the
Company has no obligation to repurchase additional shares under this program
and may suspend or discontinue it at any time.

Acquisitions of BankAsiana and Saehan Bancorp

On October 1, 2013, the Company completed its acquisition of New Jersey-based
BankAsiana. On October 15, 2013, the Company announced that it had received
all necessary bank regulatory approvals for its pending acquisition of Los
Angeles-based Saehan Bancorp. The pending acquisition of Saehan Bancorp is
still subject to the approval of Saehan Bancorp shareholders and to the
satisfaction of certain other customary closing conditions. The acquisition of
Saehan Bancorp is expected to close by the end of 2013.

CONFERENCE CALL

Management will host its quarterly conference call on October 22, 2013, at
11:00 a.m. PT (2:00 p.m. ET). Investment professionals are invited to
participate in the call by dialing 866-270-6057 (domestic number) or
617-213-8891 (international number) and providing the passcode 24255084.

ABOUT WILSHIRE BANCORP

Headquartered in Los Angeles, Wilshire Bancorp is the parent company of
Wilshire Bank, which operates 28 branch offices in California, Texas, New
Jersey and New York, and eight loan production offices in Dallas and Houston,
TX, Atlanta, GA, Aurora, CO, Annandale, VA, Fort Lee, NJ, Newark, CA, and
Bellevue, WA, and is an SBA preferred lender nationwide. Wilshire Bank is a
community bank with a focus on commercial real estate lending and general
commercial banking, with its primary market encompassing the multi-ethnic
populations of the Los Angeles Metropolitan area. For more information, please
go to www.wilshirebank.com.

ADDITIONAL INFORMATION ABOUT THE PROPOSED MERGER WITH SAEHAN AND WHERE TO FIND
IT

This communication relates or may be deemed to relate to a proposed merger
between Wilshire and Saehan Bancorp ("Saehan") that is the subject of a
registration statement on Form S-4, including a proxy statement/prospectus,
filed with the SEC on September 3, 2013 (No. 333-190971), as amended by
Amendment No. 1 thereto, and declared effective by the SEC on October 1, 2013,
that provides full details of the proposed merger and the attendant benefits
and risks. The proxy statement/prospectus was filed with the SEC on October 2,
2013 and was mailed to Saehan shareholders on or about October 7, 2013. This
communication is not a substitute for the proxy statement/prospectus or any
other document that Wilshire or Saehan may file with the SEC or send to their
shareholders in connection with the proposed merger. Investors and security
holders are urged to read the registration statement on Form S-4, including
the definitive proxy statement/prospectus, and all other relevant documents
filed with the SEC or sent to shareholders as they become available because
they will contain important information about the proposed merger. All
documents, when filed, will be available free of charge at the SEC's website
(www.sec.gov). You may also obtain these documents by contacting Wilshire's
Corporate Secretary, at Wilshire Bancorp, Inc., 3200 Wilshire Boulevard, Los
Angeles, California 90010, or via e-mail at alexko@wilshirebank.com. This
communication does not constitute an offer to sell or the solicitation of an
offer to buy any securities or a solicitation of any vote or approval.

ABOUT SAEHAN BANCORP

Saehan Bancorp is a bank holding company with headquarters in Los Angeles,
California. Its wholly owned subsidiary, Saehan Bank, offers a comprehensive
range of financial solutions to meet the needs of multi-ethnic communities in
the United States. Saehan Bancorp is committed to satisfying customers and
creating shareholder value. Its ten retail branch offices, International
Department and SBA Department focus on fulfilling these commitments to
customers and shareholders.

FORWARD-LOOKING STATEMENTS

Statements concerning future performance, events, or any other guidance on
future periods constitute forward-looking statements that are subject to a
number of risks and uncertainties that might cause actual results to differ
materially from stated expectations. Such forward-looking statements include,
but are not limited to, statements about the benefits of the proposed
transaction involving Wilshire and Saehan including future financial and
operating results, Wilshire's or Saehan's plans, objectives, expectations and
intentions, the expected timing of completion of the transaction, and other
statements that are not historical facts. Important factors that could cause
actual results to differ materially from those indicated by such
forward-looking statements include risks and uncertainties relating to: (i)
the ability to obtain the requisite Saehan shareholder approvals; (ii) the
risk that Wilshire or Saehan may be unable to obtain governmental and
regulatory approvals required for the transaction, or required governmental
and regulatory approvals may delay the transaction or result in the imposition
of conditions that could cause the parties to abandon the transaction; (iii)
the risk that a condition to closing of the transaction may not be satisfied;
(iv) the timing to consummate the proposed transaction; (v) the risk that the
businesses will not be integrated successfully; (vi) the risk that the cost
savings and any other synergies from the transaction may not be fully realized
or may take longer to realize than expected; (vii) disruption from the
transaction making it more difficult to maintain relationships with customers,
employees or vendors; (viii) the diversion of management time on
transaction-related issues; (ix) general worldwide economic conditions and
related uncertainties; (x) the effect of changes in governmental regulations;
(xi) credit risk associated with an obligor's failure to meet the terms of any
contract with the bank or to otherwise perform as agreed; (xii) interest risk
involving the effect of a change in interest rates on both the bank's earnings
and the market value of the portfolio equity; (xiii) liquidity risk affecting
the bank's ability to meet its obligations when they come due; (xiv) price
risk focusing on changes in market factors that may affect the value of traded
instruments in "mark-to-market" portfolios; (xv) transaction risk arising from
problems with service or product delivery; (xvi) compliance risk involving
risk to earnings or capital resulting from violations of or nonconformance
with laws, rules, regulations, prescribed practices, or ethical standards;
(xvii) strategic risk resulting from adverse business decisions or improper
implementation of business decisions; (xviii) reputation risk that adversely
affects earnings or capital arising from negative public opinion; (xix)
terrorist activities risk that results in loss of consumer confidence and
economic disruptions; (xx) economic downturn risk resulting in deterioration
in the credit markets; (xxi) greater than expected noninterest expenses;
(xxii) excessive loan losses; and (xxiii) other factors we discuss or refer to
in the "Risk Factors" section of our most recent Annual Report on Form 10-K
filed with the SEC. Additional risks and uncertainties are identified and
discussed in Wilshire's reports filed with the SEC and available at the SEC's
website at www.sec.gov. Each forward-looking statement speaks only as of the
date of the particular statement and Wilshire undertakes no obligation to
update or revise its forward-looking statements, whether as a result of new
information, future events or otherwise.

PARTICIPANTS IN THE SOLICITATION

Wilshire, Saehan and their respective directors and executive officers may be
deemed to be participants in any solicitation of proxies in connection with
the proposed merger. Information regarding the participants in the proxy
solicitation and a description of their direct and indirect interests, by
security holdings or otherwise, are contained in the proxy
statement/prospectus and other relevant materials filed or to be filed with
the SEC regarding the merger, in each case when they become available.
Investors should read carefully the proxy statement/prospectus filed with the
SEC on October 2, 2013 before making any voting or investment decisions.

CONSOLIDATED BALANCE
SHEET
(Dollars In                                    Three                  Twelve
Thousands)           September 30, June 30,    Months   September 30, Months
(Unaudited)
                    2013          2013        % Change 2012          % Change
ASSETS:                                                           
Cash and Due from    $92,896      $162,553   -43%     $113,258     -18%
Banks
Federal Funds Sold
and Other Cash       55,005        55,005      0%       30,005        83%
Equivalents
Total Cash and Cash  147,901       217,558     -32%     143,263       3%
Equivalents
                                                                 
Investment
Securities Available 325,724       303,836     7%       292,254       11%
For Sale
Investment
Securities Held To   38            42          -10%     53            -28%
Maturity
Total Investment     325,762       303,878     7%       292,307       11%
Securities
                                                                 
Total Loans          56,065        60,910      -8%      140,109       -60%
Held-For-Sale
                                                                 
Real Estate          31,172        35,513      -12%     19,679        58%
Construction
Residential Real     144,845       153,393     -6%      130,706       11%
Estate
Commercial Real      1,669,511     1,557,922   7%       1,533,396     9%
Estate
Commercial and       340,943       336,048     1%       250,560       36%
Industrial
Consumer             9,614         11,068      -13%     14,138        -32%
Total Loans
Receivable, Net of   2,196,085     2,093,944   5%       1,948,479     13%
Deferred Fees and
Costs
Allowance For Loan   (52,397)      (54,937)    -5%      (74,353)      -30%
Losses
Loans Receivable,
Net of Allowance for 2,143,688     2,039,007   5%       1,874,126     14%
Loan Losses
                                                                 
Accrued Interest     6,873         7,135       -4%      7,570         -9%
Receivable
Due from Customers   328           293         12%      388           -15%
on Acceptances
Other Real Estate    748           982         -24%     2,277         -67%
Owned
Premises and         11,531        11,699      -1%      12,010        -4%
Equipment
Federal Home Loan
Bank (FHLB) Stock,   13,280        13,280      0%       13,327        0%
at Cost
Cash Surrender Value 22,372        22,225      1%       20,735        8%
of Life Insurance
Investment in
affordable housing   44,400        45,511      -2%      40,048        11%
partnerships
Deferred Income      19,823        17,734      12%      21,337        -7%
Taxes
Servicing Assets     11,573        11,040      5%       9,645         20%
Goodwill             6,675         6,675       0%       6,675         0%
FDIC Indemnification 4,950         5,311       -7%      9,927         -50%
Asset
Other Assets         16,546        24,163      -32%     22,145        -25%
TOTAL ASSETS         $2,832,515   $2,787,401 2%       $2,615,889   8%
                                                                 
LIABILITIES AND
SHAREHOLDERS'
EQUITY:
LIABILITIES:                                                      
Non-interest Bearing $655,864     $624,770   5%       $538,291     22%
Demand Deposits
Savings and Interest 127,835       130,352     -2%      124,397       3%
Checking
Money Market         580,833       625,204     -7%      662,322       -12%
Deposits
Time Deposits in
denomination of      683,290       584,140     17%      594,500       15%
$100,000 or more
Other Time Deposits  205,795       217,832     -6%      255,342       -19%
Total Deposits       2,253,617     2,182,298   3%       2,174,852     4%
                                                                 
FHLB Borrowings      120,000       150,000     -20%     --            0%
Acceptance           328           293         12%      388           -15%
Outstanding
Junior Subordinated  61,857        61,857      0%       77,321        -20%
Debentures
Accrued Interest     1,808         2,072       -13%     2,465         -27%
Payable
Other Liabilities   30,589        35,547      -14%     32,095        -5%
Total Liabilities    2,468,199     2,432,067   1%       2,287,121     8%
                                                                 
SHAREHOLDERS'                                                     
EQUITY:
Common Stock         161,368       160,932     0%       164,649       -2%
Retained Earnings    201,033       191,823     5%       155,606       29%
Accumulated Other    1,915         2,579       -26%     8,513         -78%
Comprehensive Income
Total Shareholders'  364,316       355,334     3%       328,768       11%
Equity
TOTAL LIABILITIES
AND SHAREHOLDERS'    $2,832,515   $2,787,401 2%       $2,615,889   8%
EQUITY

                                      


CONSOLIDATED STATEMENT OF
OPERATIONS
(Dollars In Thousands, Except Per Share Data) (Unaudited)
                          Quarter Ended            Three    Quarter    Twelve
                                                    Mths     Ended      Mths
                          September 30, June 30,   % Change September  %
                           2013          2013                30, 2012   Change
                                                                   
INTEREST INCOME                                                     
Interest and Fees on Loans $27,913      $26,970   3%       $27,966   0%
Interest on Investment     1,879         1,743      8%       1,651      14%
Securities
Interest on Federal Funds  148           136        9%       79         87%
Sold
Total Interest Income      29,940        28,849     4%       29,696     1%
                                                                   
INTEREST EXPENSE                                                    
Deposits                   2,923         2,750      6%       3,575      -18%
FHLB Advances and Other    321           345        -7%      529        -39%
Borrowings
Total Interest Expense     3,244         3,095      5%       4,104      -21%
                                                                   
Net Interest Income Before
Credit for Losses on Loans 26,696        25,754     4%       25,592     4%
and Loan Commitments
Credit for Losses on Loans --            --         0%       (12,000)   -100%
and Loan Commitments
                                                                   
Net Interest Income After
Credit for Losses on Loans 26,696        25,754     4%       37,592     -29%
and Loan Commitments
                                                                   
NONINTEREST INCOME                                                  
Service Charges on         2,791         2,811      -1%      3,157      -12%
Deposits
Gain on Sales ofLoans,    2,814         3,135      -10%     1,222      130%
Net
Gain on Sale/Call of       --            15         -100%    --         0%
Investment Securities
Other                      2,227         2,371      -6%      2,231      0%
Total Noninterest Income   7,832         8,332      -6%      6,610      18%
                                                                   
NONINTEREST EXPENSES                                                
Salaries and Employee      8,830         9,548      -8%      9,355      -6%
Benefits
FDIC Indemnification       --            --         0%       2,000      -100%
Impairment
Occupancy & Equipment      2,061         2,038      1%       1,930      7%
Data Processing            623           583        7%       680        -8%
Other                      6,323         4,913      29%      4,377      44%
Total Noninterest Expenses 17,837        17,082     4%       18,342     -3%
                                                                   
Income Before Income Taxes 16,691        17,004     -2%      25,860     -35%
Income Taxes Provision     5,357         5,465      -2%      (12,609)   N/A
(Benefit)
NET INCOMEAVAILABLE TO    $11,334      $11,539   -2%      $38,469   -71%
COMMON SHAREHOLDERS
                                                                   
PER COMMON SHARE                                                    
INFORMATION:
Basic Income Per Common    $0.16        $0.16     -1%      $0.54     -70%
Share
Diluted Income PerCommon  $0.16        $0.16     -2%      $0.54     -70%
Share
WEIGHTED-AVERAGE COMMON                                             
SHARES OUTSTANDING:
Basic                      70,742,136    70,944,626         71,290,881 
Diluted                    71,045,994    71,101,787         71,420,567 

                                      

                                                                   
CONSOLIDATED STATEMENT OF OPERATIONS                                
(Dollars In Thousands, Except Per Share                             
Data) (Unaudited)
                                         Nine Months Ended           Twelve
                                                                      Months
                                         September 30, September 30, % Change
                                          2013          2012
INTEREST INCOME                                                     
Interest and Fees on Loans                $81,768      $81,895      0%
Interest on Investment Securities         5,347         4,737         13%
Interest on Federal Funds Sold            437           1,102         -60%
Total Interest Income                     87,552        87,734        0%
                                                                   
INTEREST EXPENSE                                                    
Deposits                                  8,522         11,844        -28%
FHLB Advances and Other Borrowings        1,028         1,615         -36%
Total Interest Expense                    9,550         13,459        -29%
                                                                   
Net Interest Income Before Credit for     78,002        74,275        5%
Losses on Loans and Loan Commitments
Credit for Losses on Loans and Loan       --            (22,000)      -100%
Commitments
                                                                   
Net Interest Income After Credit for      78,002        96,275        -19%
Losses on Loans and Loan Commitments
                                                                   
NONINTEREST INCOME                                                  
Service Charges on Deposits               8,410         9,621         -13%
Gain on Sales ofLoans, Net               9,435         5,234         80%
Gain on Sale/Call of Investment           15            3             400%
Securities
Other                                     7,009         6,652         5%
Total Noninterest Income                  24,869        21,510        16%
                                                                   
NONINTEREST EXPENSES                                                
Salaries and Employee Benefits            27,183        26,555        2%
FDIC Indemnification Impairment           --            4,000         -100%
Occupancy & Equipment                     6,139         5,822         5%
Data Processing                           1,881         2,129         -12%
Other                                     17,000        14,932        14%
Total Noninterest Expenses                52,203        53,438        -2%
                                                                   
Income Before Income Taxes                50,668        64,347        -21%
Income Taxes Provision (Benefit)          16,206        (12,748)      N/A
NET INCOME                                $34,462      $77,095      -55%
                                                                   
Preferred Stock Cash Dividend             --            (830)         -100%
Accretion of Preferred Stock Discount     --            (1,158)       -100%
One-time Adjustment From Repurchase of    --            3,389         -100%
Preferred Stock
Total Preferred Stock Related Adjustment  --            1,401         -100%
                                                                   
NET INCOME AVAILABLE TO COMMON            $34,462      $78,496      -56%
SHAREHOLDERS
                                                                   
PER COMMON SHARE INFORMATION:                                       
Basic Income Per Common Share             $0.49        $1.10        -56%
Diluted Income PerCommon Share           $0.48        $1.10        -56%
WEIGHTED-AVERAGE COMMON SHARES                                      
OUTSTANDING:
Basic                                     70,992,117    71,286,439    
Diluted                                   71,193,058    71,362,802    

                                                                 
SUMMARY OF FINANCIAL                                              
DATA
(Dollars In Thousands, Except Per                                  
Share Data) (Unaudited)
                                                                 
                      Quarter Ended                                   
AVERAGE BALANCES       September          June 30,         September 
                       30, 2013            2013              30, 2012
Average Assets         $ 2,798,913        $ 2,770,996      $         
                                                             2,579,203
Average Equity         359,411            356,287          297,725   
Average Net Loans      2,157,104          2,113,955        1,951,126 
Average Deposits       2,219,333          2,170,628        2,162,430 
Average Time Deposits  662,280            586,136          600,204   
of $100,000 or more
Average FHLB & Other   123,386            150,000          --        
Borrowings
Average Interest       2,577,669          2,555,295        2,370,619 
Earning Assets
                                                                 
                      Nine Months Ended                               
AVERAGE BALANCES       September                          September 
                       30, 2013                              30, 2012
Average Assets         $ 2,764,759                        $         
                                                             2,597,172
Average Equity         354,631                            296,247   
Average Net Loans      2,111,912                          1,894,923 
Average Deposits       2,175,442                          2,170,442 
Average Time Deposits  610,173                            620,917   
of $100,000 or more
Average FHLB & Other   141,046                            7,018     
Borrowings
Average Interest       2,550,264                          2,386,006 
Earning Assets
                                                                 
                      Quarter Ended                                   
PROFITABILITY          September          June 30,         September 
                       30, 2013            2013              30, 2012
Annualized Return on   1.62%              1.67%            5.97%     
Average Assets
Annualized Return on   12.61%             12.95%           51.68%    
Average Equity
Efficiency Ratio       51.66%             50.11%           56.96%    
Annualized Operating   2.55%              2.47%            2.84%     
Expense/Average Assets
Annualized Net         4.17%              4.06%            4.35%     
Interest Margin
                                                                 
                      Nine Months Ended                               
PROFITABILITY          September                          September 
                       30, 2013                              30, 2012
Annualized Return on   1.66%                              3.96%     
Average Assets
Annualized Return on   12.96%                             34.70%    
Average Equity
Efficiency Ratio       50.75%                             55.79%    
Annualized Operating   2.52%                              2.74%     
Expense/Average Assets
Annualized Net         4.11%                              4.19%     
Interest Margin
                                                                 
                       September   Cost of June 30,    Cost  September Cost
DEPOSIT COMPOSITION    30, 2013    Funds   2013        of    30, 2012  of
                                                       Funds           Funds
Noninterest Bearing    29.1%       0.00%   28.6%       0.00% 24.8%     0.00%
Demand Deposits
Savings & Interest     5.7%        1.40%   6.0%        1.43% 5.7%      1.78%
Checking
Money Market Deposits  25.8%       0.63%   28.6%       0.63% 30.5%     0.76%
Time Deposits of       30.3%       0.67%   26.8%       0.60% 27.3%     0.78%
$100,000 or More
Other Time Deposits    9.1%        0.82%   10.0%       0.78% 11.7%     0.92%
Total Deposits         100.0%      0.53%   100.0%      0.51% 100.0%    0.66%
                                                                 
CAPITAL RATIOS         September          June 30,         September 
                       30, 2013            2013              30, 2012
Tier 1 Leverage Ratio  14.83%             14.67%           14.96%    
Tier 1 Risk-Based      18.24%             18.73%           19.33%    
Capital Ratio
Total Risk-Based       19.50%             20.00%           20.61%    
Capital Ratio
Total Shareholders'    $ 364,316          $ 355,334        $ 328,768 
Equity
Book Value Per Common  $ 5.15             $ 5.03           $ 4.61    
Share
Tangible Common Equity $ 5.04             $ 4.92           $ 4.50    
Per Common Share *
Tangible Common Equity 12.63%             12.51%           12.31%    
to Tangible Assets **
* Tangible common equity excludes                                        
goodwill, other intangible assets
** Tangible assets excludes goodwill and                                 
intangible assets
                                                                 

                                                                
ALLOWANCE FOR LOAN LOSSES                                        
(Dollars In Thousands)                                           
(Unaudited)
                              Quarter Ended
                              September June 30,  March    December September
                               30, 2013  2013      31, 2013 31, 2012 30, 2012
                                                                
Balance at Beginning of Period $ 54,937  $ 58,577  $ 63,285 $ 74,353 $ 89,134
Credit for Losses on Loans     --        --        --       (10,600) (12,000)
Recoveries on Loans Previously 662       774       881      2,532    346
Charged-off
Gross Loan Charge-offs         (3,202)   (4,414)   (5,589)  (3,000)  (3,127)
Balance at End of Period       $ 52,397  $ 54,937  $ 58,577 $ 63,285 $ 74,353
                                                                
Net Loan Charge-offs/Average   0.12%     0.17%     0.23%    0.02%    0.14%
Net Loans
Charge-offs/Average Total      0.15%     0.21%     0.27%    0.15%    0.16%
Loans
Allowance for Loan             2.38%     2.62%     2.85%    3.15%    3.81%
Losses/Gross Loans *
Allowance for Loan             2.48%     2.75%     3.01%    3.33%    4.08%
Losses/Legacy Wilshire Loans *
Allowance for Loan             158.57%   206.10%   233.59%  226.40%  191.23%
Losses/Non-accrual Loans
Allowance for Loan             158.57%   205.13%   224.63%  226.40%  191.23%
Losses/Non-performing Loans
Allowance for Loan             155.06%   197.88%   214.60%  210.73%  180.65%
Losses/Non-performing Assets
                                                                
* Excluding loans                                                
held-for-sale
                                                                
NON-PERFORMING ASSETS                                            
(Dollars In Thousands, Net of  Quarter Ended
SBA Guaranty Portions)
(Unaudited)                    September June 30,  March    December September
                               30, 2013  2013      31, 2013 31, 2012 30, 2012
                                                                
Non-accrual Loans              $ 33,043  $ 26,655  $ 25,077 $ 27,953 $ 38,882
Loans 90 days or more past due --        126       1,000    --       --
and still accruing
Total Non-performing Loans     33,043    26,781    26,077   27,953   38,882
                                                                
Total OREO                     748       982       1,219    2,079    2,277
                                                                
Total Non-performing Assets    $ 33,791  $ 27,763  $ 27,296 $ 30,032 $ 41,159
                                                                
Total Non-performing           1.46%     1.24%     1.19%    1.30%    1.86%
Loans/Gross Loans
Total Non-performing           1.19%     1.00%     0.99%    1.09%    1.57%
Assets/Total Assets
                                                                
ALLOWANCE FOR OFF-BALANCE      Quarter Ended
SHEET ITEMS
(Dollars In Thousands)         September June 30,  March    December September
(Unaudited)                    30, 2013  2013      31, 2013 31, 2012 30, 2012
                                                                
Balance at beginning of period $ 1,023   $ 1,023   $ 1,023  $ 2,423  $ 2,423
Credit for losses on           --        --        --       (1,400)  --
off-balance sheet items
Balance at end of period       $ 1,023   $ 1,023   $ 1,023  $ 1,023  $ 2,423
                                                        
                              Nine Months Ended                   
                              September September                 
                               30, 2013  30, 2012
                                                                
Balance at beginning of period $ 1,023   $ 3,423                   
Credit for losses on           --        (1,000)                   
off-balance sheet items
Balance at end of period       $ 1,023   $ 2,423                   
                                                                

                                                                                 
WILSHIRE BANCORP, INC. AND                                                                 
SUBSIDIARIES
AVERAGE BALANCES, AVERAGE YIELDS EARNED AND AVERAGE RATES PAID                                 
(Dollars In Thousands) (Unaudited)                                                         
                For the Quarter Ended                                                             
                September 30, 2013         June 30, 2013              September 30, 2012
INTEREST EARNING Average   Interest Average          Interest Average          Interest Average
ASSETS           Balance   Income/  Yield/  Average   Income/  Yield/  Average   Income/  Yield/
                           Expense  Rate    Balance   Expense  Rate    Balance   Expense  Rate
                                                                                 
LOANS:                                                                            
Real Estate      $         $23,105 4.97%   $         $ 22,074 4.87%   $         $23,530 5.45%
Loans            1,858,506                  1,815,010                  1,727,223
Commercial Loans 350,379   3,996    4.56%   351,460   4,061    4.62%   303,338   3,572    4.71%
Consumer Loans   9,032     71       3.14%   11,299    75       2.66%   13,899    87       2.50%
Total Gross      2,217,917 27,172   4.90%   2,177,769 26,210   4.81%   2,044,460 27,189   5.32%
Loans
Loan Fees toward          741                      760                      777      
Yield
Allowance for
Loan Losses &    (60,813)                 (63,814)                (93,334)          
Unearned Income
Net Loans        2,157,104 27,913   5.18%   2,113,955 26,970   5.10%   1,951,126 27,966   5.73%
                                                                                 
INVESTMENT                                                                        
SECURITIES AND
OTHER
INTEREST-EARNING                                                                  
ASSETS:
Investment       312,313   1,879    2.64%   323,502   1,743    2.39%   294,535   1,651    2.51%
Securities*
Federal Funds    108,252   148      0.55%   117,838   136      0.46%   124,958   79       0.25%
Sold
Total Investment
Securities and   420,565   2,027    2.10%   441,340   1,879    1.87%   419,493   1,730    1.84%
Other Earning
Assets
                                                                                 
TOTAL            $                          $         $                $
INTEREST-EARNING 2,577,669 $29,940 4.68%   2,555,295 28,849  4.55%   2,370,619 $29,696 5.04%
ASSETS
                                                                                 
Total
Non-Interest     221,244                  215,701                  208,584           
Earning Assets
TOTAL ASSETS     $                        $                        $                 
                 2,798,913                  2,770,996                  2,579,203
                                                                                 
INTEREST BEARING                                                                  
LIABILITIES
INTEREST-BEARING                                                                  
DEPOSITS:
Money Market     $590,669 $929    0.63%   $617,837 $971    0.63%   $637,082 $1,206  0.76%
NOW              27,507    13       0.19%   27,915    14       0.20%   27,310    16       0.23%
Savings          101,204   437      1.73%   101,263   447      1.77%   100,299   551      2.20%
Time Deposits of 662,280   1,109    0.67%   586,136   884      0.60%   600,204   1,169    0.78%
$100,000 or More
Other Time       212,848   435      0.82%   223,256   434      0.78%   274,366   633      0.92%
Deposits
Total Interest   1,594,508 2,923    0.73%   1,556,407 2,750    0.71%   1,639,261 3,575    0.87%
Bearing Deposits
                                                                                 
BORROWINGS:                                                                       
FHLB Advances
and Other        123,386   37       0.12%   150,000   64       0.17%   --        --       0.00%
Borrowings
Junior
Subordinated     61,857    284      1.84%   61,857    281      1.82%   86,669    529      2.44%
Debentures
Total Borrowings 185,243   321      0.69%   211,857   345      0.65%   86,669    529      2.44%
                                                                                 
TOTAL INTEREST   $                          $                          $
BEARING          1,779,751 $3,244  0.73%   1,768,264 $3,095  0.70%   1,725,930 $4,104  0.95%
LIABILITIES
                                                                                 
Non-Interest    624,825                  614,221                  523,169           
Bearing Deposits
Other           34,926                   32,224                   32,379            
Liabilities
Shareholders'   359,411                  356,287                  297,725           
Equity
TOTAL            $                          $                          $
LIABILITIES AND  2,798,913                2,770,996                2,579,203         
EQUITY
                                                                                 
NET INTEREST              $26,696                 $25,754                 $25,592 
INCOME
.                                                                                 
NET INTEREST                      3.95%                    3.85%                    4.09%
SPREAD
                                                                                 
NET INTEREST                      4.17%                    4.06%                    4.35%
MARGIN

*Tax equivalent ratios for investment securities


                                      

WILSHIRE BANCORP, INC.                                          
AND SUBSIDIARIES
AVERAGE BALANCES, AVERAGE YIELDS EARNED AND AVERAGE RATES                  
PAID
(Dollars In Thousands)                                          
(Unaudited)
                                                               
                      For the Nine Months Ended
                      September 30, 2013         September 30, 2012
                                                               
INTEREST EARNING       Average   Interest Average Average   Interest Average
ASSETS                 Balance   Income/  Yield/  Balance   Income/  Yield/
                                 Expense  Rate              Expense  Rate
                                                               
LOANS:                                                          
Real Estate Loans      $         $67,281 4.94%   $         $69,101 5.46%
                       1,816,440                  1,687,973
Commercial Loans       348,637   12,020   4.60%   293,612   10,626   4.83%
Consumer Loans         11,039    226      2.73%   14,970    292      2.60%
Total Gross Loans      2,176,116 79,527   4.87%   1,996,555 80,019   5.34%
Loan Fees toward Yield          2,241                    1,876    
Allowance for Loan
Losses & Unearned      (64,204)                 (101,632)         
Income
Net Loans              2,111,912 81,768   5.16%   1,894,923 81,895   5.76%
                                                               
INVESTMENT SECURITIES                                           
AND
OTHER INTEREST-EARNING                                          
ASSETS:
Investment Securities* 319,981   5,347    2.47%   298,080   4,737    2.40%
Federal Funds Sold     118,371   437      0.49%   193,003   1,102    0.76%
Total Investment
Securities and Other   438,352   5,784    1.93%   491,083   5,839    1.76%
Earning Assets
                                                               
TOTAL INTEREST-EARNING $         $87,552 4.61%   $         $87,734 4.94%
ASSETS                 2,550,264                  2,386,006
                                                               
Total Non-Interest     214,495                  211,166           
Earnings Assets
TOTAL ASSETS           $                        $                 
                       2,764,759                  2,597,172
                                                               
INTEREST BEARING                                                
LIABILITIES
                                                               
INTEREST-BEARING                                                
DEPOSITS:
Money Market           $610,539 $2,875  0.63%   $611,102 $3,696  0.81%
NOW                    27,132    40       0.20%   25,763    57       0.30%
Savings                101,012   1,349    1.78%   101,200   1,859    2.45%
Time Deposits of       610,173   2,916    0.64%   620,917   3,909    0.84%
$100,000 or More
Other Time Deposits    223,905   1,342    0.80%   311,109   2,323    1.00%
Total Interest Bearing 1,572,761 8,522    0.72%   1,670,091 11,844   0.95%
Deposits
                                                               
BORROWINGS:                                                     
FHLB Advances and      141,046   181      0.17%   7,018     6        0.11%
Other Borrowings
Junior Subordinated    61,857    847      1.83%   87,102    1,609    2.46%
Debentures
Total Borrowings       202,903   1,028    0.68%   94,120    1,615    2.29%
                                                               
TOTAL INTEREST BEARING $         $9,550  0.72%   $         $13,459 1.02%
LIABILITIES            1,775,664                  1,764,211
                                                               
Non-Interest Bearing   602,681                  500,351           
Deposits
Other Liabilities      31,783                   36,363            
Shareholders' Equity   354,631                  296,247           
TOTAL LIABILITIES AND  $                        $                 
EQUITY                 2,764,759                  2,597,172
                                                               
NET INTEREST INCOME             $78,002                 $74,275 
                                                               
NET INTEREST SPREAD                     3.89%                    3.92%
                                                               
NET INTEREST MARGIN                     4.11%                    4.19%

* Tax equivalent ratios for investment securities


                                                               
RECONCILIATION OF GAAP FINANCIAL MEASURES TO NON-GAAP FINANCIAL
MEASURES:
                                                               
TANGIBLE COMMON EQUITY                                          
AND TANGIBLE ASSETS *
(Dollars In Thousands,
Except Share Data)       Quarter Ended
(Unaudited)
                        September 30, 2013   June 30, 2013       September
                                                                  30,2012
                                                               
Total shareholders'      $ 364,316            $ 355,334           $ 328,768
equity
Goodwill and other       (7,502)              (7,572)             (7,783)
intangible assets, net
Tangible common equity  $ 356,814            $ 347,762           $ 320,985
                                                               
Total assets             $ 2,832,515          $ 2,787,401         $ 2,615,889
Goodwill and other       (7,502)              (7,572)             (7,783)
intangible assets, net
Tangible assets          $ 2,825,013          $ 2,779,829         $ 2,608,106
                                                               
Common shares            70,770,019           70,697,944          71,293,394
outstanding
                                                               
                                                               
PRE-TAX, PRE-PROVISION                                          
INCOME (PTPP) *
(Dollars In Thousands)   Quarter Ended
(Unaudited)
                        September 30, 2013   June 30, 2013       September
                                                                  30,2012
                                                               
Net Income               $ 11,334             $ 11,539            $ 38,469
Add Back - Income Tax    5,358                5,465               (12,609)
Provision (Benefit)
Add Back - Credit for
Losses on Loans and Loan --                   --                  (12,000)
Commitments
Pre-tax, Pre-Provision   $ 16,692             $ 17,004            $ 13,860
Income (PTPP)
                                                               
PTPP to Average Assets   2.39%                2.45%               2.15%
(Annualized)
                                                               
                        Nine Months Ended                        
                        September 30, 2013   September 30,2012  
                                                               
Net Income               $ 34,462             $ 77,095            
Add Back - Income Tax    16,206               (12,748)            
Provision (Benefit)
Add Back - Credit for
Losses on Loans and Loan --                   (22,000)            
Commitments
Pre-tax, Pre-Provision   $ 50,668             $ 42,347            
Income (PTPP)
                                                               
PTPP to Average Assets   2.44%                2.17%               
(Annualized)
                                                               
* Tangible Common Equity, Tangible Assets, and Pre-tax, Pre-provision Income
are Non-GAAP financial measures.Management believes that presentation of
non-GAAP financial information included in this press release are meaningful
and useful in understanding the business metrics of the Company's
operations.We provide non-GAAP financial information for informational
purposes and to enhance an understanding of the Company's GAAP consolidated
financial statements.Readers should consider this non-GAAP information in
addition to, but not instead or as superior to, the Company's financial
statements in accordance with GAAP.Non-GAAP financial information presented
by us may be determined or calculated differently by other companies, limiting
the usefulness of non-GAAP measures for comparative purposes

CONTACT: Alex Ko, EVP & CFO, (213) 427-6560
         www.wilshirebank.com