itla capital corporation form 8-k july 31, 2001 9. regulation fd disclosure. forward-looking...

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0001095811-01-503519.txt : 200108010001095811-01-503519.hdr.sgml : 20010801ACCESSION NUMBER:0001095811-01-503519CONFORMED SUBMISSION TYPE:8-KPUBLIC DOCUMENT COUNT:17CONFORMED PERIOD OF REPORT:20010731ITEM INFORMATION:FILED AS OF DATE:20010731

FILER:

COMPANY DATA:COMPANY CONFORMED NAME:ITLA CAPITAL CORPCENTRAL INDEX KEY:0001000234STANDARD INDUSTRIAL CLASSIFICATION:SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]IRS NUMBER:954596322STATE OF INCORPORATION:CAFISCAL YEAR END:1231

FILING VALUES:FORM TYPE:8-KSEC ACT:SEC FILE NUMBER:000-26960FILM NUMBER:1693962

BUSINESS ADDRESS:STREET 1:888 PROSPECT STREETSTREET 2:SUITE 110CITY:LA JOLLASTATE:CAZIP:92037BUSINESS PHONE:8585510511

MAIL ADDRESS:STREET 1:700 N CENTRAL AVESTREET 2:STE 600CITY:GLENDALESTATE:CAZIP:91203

FORMER COMPANY:FORMER CONFORMED NAME:IMPERIAL THRIFT & LOAN ASSOCIATIONDATE OF NAME CHANGE:19950907

8-K1a74433e8-k.htmFORM 8-K

ITLA Capital Corporation Form 8-K July 31, 2001

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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report (Date of earliestevent reported) July 31, 2001

ITLA CAPITAL CORPORATION
(Exact name of Registrant as specified in its Charter)

Delaware 0-26960 95-4596322

(State or other jurisdiction (Commission File No.) (IRS Employer

of incorporation) Identification No.)

888 Prospect Street, Suite110, La Jolla, California 92037 (Address of principal executive offices) (Zip Code)

Registrants telephone number, including area code: (858)551-0511

N/A
(Former name or former address, if changed since last report)

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Item9. RegulationFD Disclosure.TRANSCRIPT OF PRESENTATIONSLIDE 1SLIDE 2SLIDE 3SLIDE 4SLIDE 5SLIDE 6SLIDE 7SLIDE 8SLIDE 9SLIDE 10SLIDE 11SLIDE 12SLIDE 13SLIDE 14SLIDE 15SLIDE 16SIGNATURES

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Item9. RegulationFD Disclosure.

Forward-Looking Statements

When used in this Current Report on Form8-K and in future filings by ITLACapital Corporation (the Company) with the Securities and ExchangeCommission, in the Companys press releases or other public or shareholdercommunications, and in oral statements made with the approval of an authorizedexecutive officer, the words or phrases believe, will likely result, areexpected to, will continue, is anticipated, estimate, project,plans, or similar expressions are intended to identify forward-lookingstatements within the meaning of the Private Securities Litigation Reform Actof 1995. You are cautioned not to place undue reliance on any forward-lookingstatements, which speak only as of the date made. Various factors could causeactual results to differ materially from the results anticipated or projected.These factors include, but are not limited to, the following: changes ineconomic conditions in the Companys market areas; changes in policies byregulatory agencies; the impact of competitive loan products; loan demandrisks; fluctuations in interest rates and operating results; and other risksdetailed from time to time in the Companys filings with the Securities andExchange Commission. The Company does not undertake and specificallydisclaims any obligation to revise any forward-looking statements to reflectthe occurrence of anticipated or unanticipated events or circumstances afterthe date of such statements.

Set forth below is material expected to be presented at the CompanysAnnual Meeting of Stockholders to be held on July31, 2001.

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TRANSCRIPT OF PRESENTATION
Page 1

Slide Title Narrative

Opening: Fade in to logo

Narrator voiceover

ITLA Chairman and Chief ExecutiveOfficer George Haligowski...

George Haligowski

In 1992, when I first became theChairman of ITLA, it was my vision to bethe best industrial bank operation in thestate of California.

I am very proud to be able to say today thatITLA is the single best industrial bank inthe state of California.

Multimedia fast paced introduction

Music

Narrator voiceover

Once again Chairman and CEO GeorgeHaligowski...

George Haligowski

ITLA is a very unique bank because weare not an ordinary bank in the ordinarysense of the word. We are a professionalsales organization.

What we basically do is we have one nicheproduct. And that product is commercialreal estate loans. We do commercial realestate loans better than anyone in thenation.

1 Our Net Income In 2000 was...
Narrator voice over

Our net income in 2000 was over 375percent higher than any level of annualearnings while under the previous foreignownership.

2 Annual Performance Net Income

As you can see, we have continued ourtrack record of success by posting 5consecutive years of record annualearnings. This represents over a 350%increase in annual net earning and anaverage annual EPS growth in excess of15% since becoming a public company in1995.

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3 Quarterly Performance Net Income

One of our greatest achievements hasbeen our ability to record 21 consecutivequarters of increasing record profitabilitysince our IPO.

4 Summary of Loan Production

Loan production totals $2.4billionwith 22 basis points of losses since goingpublic in 1995. Since the start ofHaligowskis tenure as Chairman/CEO in1992, loan production has been$2.9billion with 20 basis points of losses.

5 Asset Growth Total Assets

Over the past 5years, ITLAs balancesheet has grown over 160% to $1.41billion. The most impressive fact is thatour growth and expansion into newmarkets has been substantially financedinternally via net earnings, withoutincurring any debt!

6 Real Estate Loan Portfolio (with bar chart)

The foundation of our success has beenour ability to continually grow andimprove upon our real estate loanportfolio. During year 2000, our loanportfolio grew over 32%.

7 Composition of Real Estate Loan Portfolio

While the properties within our portfolioremain quite diverse, they share thecommon bond of providing financiallyrewarding returns for our investments.

8 Real Estate Loan Portfolio (with pie chart)

ITLA limits its exposure to interest rate riskby investing primarily in adjustable ratemortgages for its portfolio.

9 Operating Efficiency

We have significantly improved operatingefficiencies to 36% of net revenues andless than 1.7% of total assets.

Chairman/CEOGeorge Haligowski...

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George Haligowski ITLAs operating statistics as it relates toour operating efficiencies are stellar. Theyare by far amongst the best in the industry.Year after year, we are consistently ratedin the top 1% of all banks and what ittakes us to earn one dollar.

It takes us 36 cents to earn a dollar at ITLAcompared to most banks which it takesabout 60 cents to earn a dollar. We thinkthats a stellar record!

10 Full-Time Associate Count and Assets PerAssociate

George Haligowski

Average associate load if you will, in termsof assets per employee at ITLA is north ofeleven and a half million dollars. A typicalbank would have about four and a halfto five million dollars per employee.

11 Revenue Per Associate

ITLAs $1million dollars revenue perassociate is an unheard of statistic inthe banking industry representing anincrease of over 500% since 1992.

12 We achieved our 5th consecutive year ofrecord...

We achieved our 5th consecutive yearof record breaking financial performanceand have had approximately $100millionof capital formation since becoming apublic company.

13 Regulatory Capital

Imperial Capital Bank has beendesignated as Well capitalized forregulatory purposes.Other 2000 highlights include raising$14million of additional capital throughour Trust Preferred Securities Offerings,and since the inception of our stockrepurchase program we have retiredapproximately 16% of the companysoutstanding common stock, therebyreturning nearly $19million of capital toour shareholders.

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14 ITLA Capital Corporation Stand Alone Balance Sheets

We were able to complete the purchaseof 100% of the equity and unsold publicand private CMOs of the ICCMAAC Trust1999-1 on March28, 2000.

15 Core Return on Average Assets

ITLA was ranked 4th in the nation on ourcore return on average assets by SNLSecurities in 2000.

16 Efficiency Ratio

Our efficiency ratio was also ranked8th in the nation by SNL Securities as well.

Closing

And what do we see as the cornerstone ofour success? Well according to George Haligowski it starts at thetop...

George Haligowski

ITLAs culture is very unique in thebanking industry in the fact that werenot your ordinary bureaucratic bank. Mysenior management team are basicallymanaging partners in the partner sensethat they help me make the decisions andreach collective agreements on the thingswe do here. But the fact that they arealso substantial owners of the company.

Matter of fact the entire overhang thatcurrently exists between management andall the shares outstanding is about 11.5% sso management is indeed a substantialshareholder in the organization andtherefore makes decisions that are not onlygood for themselves but definitely good fortheir shares and their shareholders becausewe are indeed in the same boat.

Closingmontage

ITLA Capital Corporation continuesto travel the road of financial growthand success with the future lookingbrighter than ever...

George Haligowski

(Off camera questioner) What would youspecifically want to tell the market, whatwould you want to tell them about ITLA?George: Buy the stock... Laughs.
Cut to logo fade out.

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SIGNATURES

Pursuant to the requirements 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.

ITLA CAPITAL CORPORATION Date:July 31, 2001 By: /s/ GEORGE W.HALIGOWSKI
George W. Haligowski
President and Chief Executive Officer

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itla capital corporation form 8-k july 31, 2001 9. regulation fd disclosure. forward-looking...

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