General
We are a financial services holding company that
provides automobile lending services through our second-tier
subsidiary, WFS Financial Inc, also known as WFS, and retail and
commercial banking services through our wholly owned subsidiary,
Western Financial Bank, which we refer to as the Bank. The Bank
currently owns 84% of the capital stock of WFS. We primarily
earn income by originating assets, including automobile
contracts, that generate a yield in excess of the cost of the
liabilities, including deposits, that fund these assets.
We have grown substantially over the past three
years. As of December 31,...
To see the headquarters in Google Street View &trade, drag this yellow guy:
over to the red pointer: 
