Wilshire Bancorp (WIBC)

Loan Portfolio

Total loans are the sum of loans receivable and loans held for sale and reported at their outstanding principal balances net of any unearned income which is unamortized deferred fees and costs and premiums and discounts.  Interest on loans is accrued daily on a simple interest basis. Total loans net of unearned loans and allowance for losses on loans increased to $2.07 billion at March 31, 2009, as compared with $2.05 billion at December 31, 2008.  Total loans net of unearned income as a percentage of total assets as of March 31, 2009 and December 31, 2008 were 79.4% and 83.7%, respectively.

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Loan Portfolio

All loans are carried at face amount, less principal repayment collected, net of deferred loan fees, and the allowance for loan losses. Interest on loans is accrued daily on a simple interest basis. Total loans net of unearned loans and allowance for loan losses increased to $2.01 billion at September 30, 2008, as compared with $1.79 billion at December 31, 2007.  Total loans net of unearned income as a percentage of total assets as of September 30, 2008 and December 31, 2007 were 85.2% and 82.4%, respectively.

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Loan Portfolio

All loans are carried at face amount, less principal repayment collected, net of deferred loan fees, and the allowance for loan losses. Interest on loans is accrued daily on a simple interest basis. Total loans net of unearned loans and allowance for loan losses increased $175.6 million, or 9.8%, to $1.96 billion at June 30, 2008, as compared with $1.79 billion at December 31, 2007.  Total loans net of unearned income as a percentage of total assets as of June 30, 2008 and December 31, 2007 were 83.2% and 82.4%, respectively.

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