The group's principal activity is to provide banking services to individuals and small to medium-sized businesses. the group has twelve full service branch offices located in los angeles, orange and san diego counties. the products and services of the group include commercial, installment and real estate loans, issuance and collection of letters of credit, international collection, import/export financing and small business administration guaranteed loans. trade finance services accounted for 86% of 2001 net interest income; Small business administration lending services, 10% and trade finance services, 4%.