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Wilshire State Bank

Los Angeles, CA · Cert 23301

FDIC · 35 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Wilshire State Bank

Los Angeles, CA · Cert 23301

FDIC · 35 branches

Q2 2016

$4.9BAssets
$3.9BLoans
$4.0BDeposits
$613.7MEquity
Loan mix
69%RE $1.3B30%C&I $0.6B0%Consumer $0.0BQ2 2015Q2 2016
Deposit mix
71%Interest-bearing $2.9B29%Noninterest $1.1BQ2 2015Q2 2016

NIM

4.44%Q2 ’143.91%Q2 ’153.97%Q2 ’16-14%-1%

Non-interest income vs. expense

2.73%Q2 ’142.12%Q2 ’152.13%Q2 ’16-40%+31%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2016 SOD (annual) · 0.6% share · #22 of 125 inst. · $3.2B of $494.7B

1.4% Los Angeles
0.3% Orange
0.4% Bergen
0.3% Queens

Executive Summary

  • Earnings: ROA of 1.34%, down 27 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.50%, down 2 bps from a year ago.
  • Funding: loans stand at 96.30% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.34%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-4 bps YoY

Efficiency Ratio (YTD, annualized)

49.30%+354 bps YoY

Tier 1 Leverage Ratio

11.50%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets1.61%1.47%1.41%1.18%1.34%-27 bps
Return on Equity12.55%11.64%11.28%9.51%10.72%-184 bps
Net Interest Margin3.47%3.38%3.33%3.45%3.43%-4 bps
Efficiency Ratio45.76%48.04%49.13%52.69%49.30%+354 bps
Non-Interest Burden0.94%1.09%1.15%1.49%1.24%+29 bps
Growth
Asset Growth (YoY)24.72%20.38%13.42%6.97%6.46%-1,826 bps
Loan Growth (YoY)19.12%14.85%15.81%10.28%9.34%-978 bps
Deposit Growth (YoY)31.17%23.90%13.20%6.32%2.88%-2,829 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.04%-0.09%0.02%-0.01%0 bps
Allowance / Loans1.38%1.38%1.36%1.36%1.37%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.52%10.86%10.77%11.22%11.50%-2 bps
Total Risk-Based Capital14.90%13.95%13.51%13.91%14.22%-68 bps
Equity / Assets12.63%11.93%12.25%12.60%12.57%-6 bps
Liquidity & Funding
Loans / Deposits90.61%91.65%99.41%100.21%96.30%+569 bps
Liquid Assets / Assets8.92%9.14%1.01%1.13%4.32%-460 bps
CRE / Total Capitaln/an/an/an/an/an/an/a