Wilshire Bancorp, Inc. is a bank holding company, offering a range of financial products and services through its main subsidiary, Wilshire Bank (the Bank), a California state-chartered commercial bank. The Company operates a community bank focused on commercial banking business, with its markets encompassing the multi-ethnic populations of Southern California, Texas, New Jersey, and the New York metropolitan area. The Company operates in three business segments: Banking Operations, Trade Finance Services (TFS), and Small Business Administration (SBA) Lending Services. The Company raises funds from deposits and borrowings for loans and investments, and provides lending products, including commercial, consumer, and real estate loans to its customers. The SBA department provides customers with access to the United States SBA guaranteed lending program. Its TFS deals in letters of credit issued to customers whose businesses involve the international sale of goods.