First Regional Bancorp is a bank holding company that operates through its principal subsidiary, First Regional Bank (the Bank), a state-chartered bank. The Bank conducts a business-oriented wholesale banking operation, with services tailored to the needs of businesses and professionals in its service area. The Bank offers a range of lending services, including commercial, real estate and real estate construction loans. It also offers commercial loans for commercial and industrial borrowers, which includes equipment financing, as well as short-term loans. The Bank also offers standard banking services for its customers, including telephone transfers, wire transfers and travelers checks. The Bank accepts all types of demand, savings and time certificates of deposit. The Bank operates through three business segments: core bank operations; the administrative services provided by the Bank’s division, Trust Administrative Services, and Trust Services.

First Regional Bancorp
Year	Revenue	Net Income	EPS	P/E Average	Share Price	Net Margin	Return on Equity
1998	12.6	1.7	0.21			17.20%	9.52%
1999	15.3	1.7	0.2			13.74%	8.38%
2000	22.6	2.4	0.3			12.49%	11.07%
2001	22.7	2.4	0.3	12.1	3.63	12.17%	10.16%
2002	22.3	3	0.38	11.3	4.294	13.24%	11.51%
2003	31.7	4.6	0.53	12.6	6.678	14.04%	14.68%
2004	55.5	11.1	0.95	12.1	11.495	21.07%	19.17%
2005	106.2	26.5	2.06	11.4	23.484	29.52%	28.91%
2006	161.7	38.3	2.95	10.2	30.09	32.83%	30.30%
2007	171.5	33.6	2.59	10	25.9	28.19%	20.90%