# WILSHIRE BANK
LOS ANGELES, CA · FDIC certificate 23301 · asset band $1-10B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.88B | |
| Deposits | $4.02B | |
| Loans and leases | $3.88B | |
| Total equity | $613.7M | |
| Loans / deposits | 94.98% (p65 of band) | 89.53% |
| Liquid assets / assets | 16.22% (p28 of band) | |
| Uninsured deposits / deposits | 39.29% (p80 of band) | 25.95% |
| Brokered deposits | 3.00% | |
| Wholesale funding | 7.10% (p38 of band) | |
| FHLB advances / assets | 4.10% | |
| Tier 1 leverage | 11.50% (p80 of band) | 9.68% |
| Unrealized securities loss / equity | 1.82% (p39 of band) | 2.54% |
| AOCI / equity | 0.82% (p41 of band) | |
| ROA (annualized) | 1.34% (p84 of band) | 0.95% |
| Net interest margin | 3.60% (p61 of band) | 3.48% |
| Efficiency ratio | 49.30% (p12 of band) | |
| Noncurrent loans | 0.74% (p58 of band) | 0.63% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 184.86% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 11.53% (p17 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $268.4M (44% of equity) (p97 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 549 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | loans exceed deposits, capital falling, charge-offs p90 |  |
| 2013-06 | 2 |  | loans exceed deposits |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | capital falling, charge-offs p90 |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 2 | loans-to-lenders >50% equity |  |
| 2015-06 | 1 |  | loans-to-lenders >50% equity |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-09-16 [From early glory to present challenges: The story of Bank of Hope - Tearsheet](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMERsN1BTQ2xpM3JlWDM5Qm5HeUt1YkJqamtJajFTUVhsSm5HbHpVbkFpcGpzX1BXdk02TmViUFJnVlNac1hfYndlanBDVEpLNmMwMkhiZG5GRzRXVnZxVUdrTklvaGNNN3EtMmV4Z2h4NWxPV25HbDBOWEJkUDNMUzVYSkVuUy1KMGh1TjI1YWt4REx6VGc?oc=5) · Tearsheet
- 2016-07-29 [Korean investors sue Wilshire Bank over fraud that cost them millions - Los Angeles Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxOX19HUmxHWmdBY0pCNFBTMkVkdmNNdHpMVTN4dFFld2tCS3UzS2xOd0U4bEdlREV3eE9PWXVMbEpmTjgyOG0tWHVqTV9KZGVLLWFBQ3JFRHB1ZEdQVHlCU2hmd2xLNVdwNGdUMFNIeERwRjBtNlBJTkpna3FvMV9XTDNoTVRQdXFUakE?oc=5) · Los Angeles Times
- 2018-12-27 [Hope Bancorp to Close Some Branches, Retain Small Business Loans, as Part of Strategic Initiative - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQkstb0dKN183aFZzZ19jbVBDY0dxakthODFFRklKRU9tRHl4d0VqeUVpajFic0hHVHFnOXUtYnA5Y1NuWmJiT1dGY0dPSU5yQ181ZU8xQmhoZ0MxMkFiX003X3liejJweHN5LWhhTnc5SmhzVVcwN0U4UE1naFNkTFR4ZmlXVE1mcVZJLVlrSEdrSVk?oc=5) · Los Angeles Business Journal
- 2016-07-29 [BBCN and Wilshire Complete Merger of Equals Creating the Only Super Regional Korean-American Bank in the U.s. - GlobeNewswire](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOZ1IwT3VVVVJDcUUzSnNWMEJ5d2NEeXhqeFBoaXN3Y3hXSWU4V2VLRG53QjZ6VUMxS0pHd0w5dUtmdE11d3JuOG82OHVpWUdzTlVkd2xlU2tWWUIyUTBzTjIzWVN5QzVDNWRtZ2k3UGVSTk5TMFh5cmc4SmhuRDRmQmUtX09ldkthdGFwY0ZzVmNLSThXWHFtWGFwbkh1ZE5HMFNtdTFEUDhfMlpCUXEwTmtYLWF5Nlg2ZUdmUzRJbTItM0xGSUROYkxjZmxNbzQzWnhpUkFjY2dEQ0dyZ0ZQT0dlWllUdjBTMnhVRUN6OWZ3cS1TdE9GNjZ2V2xXQ0p4UWJ0a21tSWlGbnc?oc=5) · GlobeNewswire
- 2024-08-19 [Territorial Savings’ acquisition by California bank is pending - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMitwFBVV95cUxNNERNc3k3QTdYbEhuZnB6WjFRd0RZY2ZFdHp0ZUlLMnpDYkdtWWd6c2VkbUR4UFdxSGptcTY5X2t0cHBPUWZjMXdNdk41bXdONFFvb21sVGt0YzF5Mk5wQ1JkMVh4ZnNXYVhuSjNvaDBocWY1R0NleUwwbnpubTA0YTJsS2x0V0hjbUwtUndiaWUwQTJLZjlldXhaMURWWDA2UGpFY2JMSkNBYmdqS01TTnMwejZINEE?oc=5) · Honolulu Star-Advertiser
- 2017-01-11 [Korean-American Banks Fighting for Top Executives - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQUFyLTlIcWs2c1JHcG8tOU5nblpRY1NFdnZMYnB5WTJjdjc3cmFrXzhXTGRpYWc5SFNtakVJci1PZ01qV1hleXlmWEY3ZnMxcjBLbW1aR0dTcnpsNnF1eTFUSXdObzF5R2tKaUlqS3BkeDJzcjBXRkpIV0dJMkpIRGRKdlVjcXcyX21DQWJn?oc=5) · American Banker
- 2021-06-23 [ZAHUR LALJI | Co-Founder of Wheelhouse Cannabis Dispensary and Delivery - VC Reporter](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNWnlyWnRtcmZwNHBFbDVnSjkwUjh2X0R2eENpS0g5MHVzc1lMVjlBd05ta2tFTy0yYkFjTjQ3SDU0aEJjQThfNTRBaEl6T3Y3UkJkQTdnMzNVUjlFSWRONy00TkNCeHZpbjBEOEZYeld5VHg5VEdTdFRsY2otYVZwajNsUENlMnJtcHUtNnRPWTlMRWMwbHZIV2RNemNSbVFfNDV2MEhlRU1QRmdUaU1uczMwSzBhMjFiZmp0S0MwNTVIZHh0a2c4YWl4M041bWdLbXJEMFJFakd6RXRTM0ExSlRhNkpNZw?oc=5) · VC Reporter
- 2015-02-08 [DQ coming to east Montgomery - Montgomery Advertiser](https://news.google.com/rss/articles/CBMiugFBVV95cUxPRlFjc2NEdk0tN2lJN05RYXpxMmYzRjJmd2ZXdUNmZVJScnJRSUtCTDRXbFRFcmN3cWY1YnZIZkZXQlA5WXMwb1RsV25KdDVYdC1GblRWOW51WS1VZHFTM045c1U2OEdmLWZkUWFULUg0ODY4SE14UWo0ODYtU096dENwTlc0eWZScGlIMHJscV83ajdwVG1Zb0JmTE9vbDM3cTkwN0I1VUxUS0F3SDZaLVV5VmxzMzFlM0E?oc=5) · Montgomery Advertiser

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23301 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "23301", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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