UNITED STATES


SECURITIES AND EXCHANGE COMMISSION


**Washington, D.C. 20549**


**________________________________________________________**


FORM 10-Q






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QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934





For the Quarterly Period Ended June 30, 2004




o

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934





**Commission File No.: 000-50923**


**__________________________**


**WILSHIRE BANCORP, INC.**


(Exact name of registrant as specified in its charter)


**California**
**20-0711133**State or other jurisdiction of incorporation or organization
I.R.S. Employer Identification Number**3200 Wilshire Blvd.****Los Angeles, California**
**90010**Address of principal executive offices
Zip Code**(213) 387-3200**Registrants telephone number, including area code


______________________





Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No o




Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Exchange Act). Yes x No o




APPLICABLE ONLY TO CORPORATE ISSUERS:


Indicate the number of shares outstanding of each of the issuers classes of common stock, as of the latest practicable date: 14,052,195 shares of common stock, no par value per share, outstanding as of August 30, 2004.






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**WILSHIRE BANCORP, INC.**


**QUARTERLY REPORT ON FORM 10-Q**


**INDEX**








**Page**EXPLANATORY NOTE
3PART II - OTHER INFORMATION
3Item 6. Exhibits and Reports on Form 8-K
3SIGNATURES
4EXHIBIT INDEX
5


2


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**EXPLANATORY NOTE**





Wilshire Bancorp, Inc. (the "Company") is a California corporation that was incorporated for the sole purpose of becoming the holding company of Wilshire State Bank upon the consummation of the reorganization between the Company, Wilshire State Bank and Interim Wilshire Bancorp, Inc. pursuant to an Agreement and Plan of Merger. A copy of the Agreement and Plan of Merger was attached as Annex A to the Company's Form S-4 (Registration Statement No. 333-114142) as amended to date and as declared effective with the Securities and Exchange Commission on July 23, 2004. At the Annual Meeting of Shareholders of Wilshire State Bank on August 25, 2004, the shareholders of Wilshire State Bank approved and adopted the Agreement and Plan of Merger. The reorganization was complet
ed on August 26, 2004.





As of June 30, 2004, the end of the quarterly period for which this Quarterly Report on Form 10-Q is filed, the Company was a wholly-owned subsidiary of Wilshire State Bank, and had nominal assets and liabilities, and had not conducted operations other than of an organizational nature.





Prior to the completion of the reorganization, Wilshire State Bank was subject to the information, reporting and proxy statement requirements of the Securities Exchange Act of 1934, as amended, or the Exchange Act, pursuant to the regulations of its primary regulator, the Federal Deposit Insurance Corporation, or FDIC. Accordingly, Wilshire State Bank filed annual and quarterly reports, proxy statements and other information with the FDIC. Pursuant to Rule 12g-3 of the Exchange Act, the Company will succeed to the reporting obligations of Wilshire State Bank and the reporting obligations of Wilshire State Bank with the FDIC will terminate. Filings made by the Company under the Exchange Act, as amended, will be made with the Securities and Exchange Commission
rather than with the FDIC. Attached to this Form 10-Q, as Exhibit 99.1, is Wilshire State Bank's Form 10-Q for the quarter ended June 30, 2004.





The Companys offices are located at the executive offices of the Bank at 3200 Wilshire Blvd, Los Angeles, California 90010. Its telephone number is 213-387-3200.








PART II


OTHER INFORMATION





Item 6. Exhibits and Reports on Form 8-K





(a)        Exhibits**Reference Number**
**Item**31.1
Certification of Chief Executive Officer pursuant to Rule 13a-14(a) of the Exchange Act.31.2
Certification of Chief Financial Officer pursuant to Rule 13(a)-14(a) of the Exchange Act.32
Certifications of Chief Executive Officer and Chief Financial Officer pursuant to Rule 13a-14(b) of the Exchange Act and 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.99.1
Wilshire State Banks Form 10-Q for the quarter ended June 30, 2004.


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SIGNATURES





Pursuant to the requirements of Section 12 of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.





WILSHIRE BANCORP, INC.Date: September 7, 2004
By:
/s/ Brian E. ChoBrian E. Cho
Senior Vice President and Chief Financial Officer
(Principal Financial and Accounting Officer)




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**EXHIBIT INDEX**31.1
Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 200231.2
Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 200232
Certifications of Chief Executive Officer and Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 200299.1
Wilshire State Banks Form 10-Q for the quarter ended June 30, 2004


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