Article: E-LOAN, Inc. Reports GAAP Profitability and Positive Cash Flow for Fourth Quarter 2001; E-LOAN Reports Record Revenues of $19.5 Million; Achieves Record Closed Loan Volume of $1.1 Billion; Achieves Record Mortgage And Home Equity Direct Margin; Reaffirms GAAP Profitability Guidance for 2002; Cash Balance Increases to $32.5 Million; 9th Consecutive Quarter of Beating First Call Consensus Estimate.

DUBLIN, Calif. -- E-LOAN, Inc. , (www.eloan.com), a leading online lending company, today reported that it achieved GAAP profitability and its second consecutive quarter of positive cash flow in the fourth quarter ended December 31, 2001.

Revenues for the fourth quarter of 2001 were $19.5 million, up 72 percent from the $11.3 million reported in the fourth quarter of 2000. GAAP net income for the fourth quarter of 2001 was $1.9 million or $0.04 per share basic and $0.03 per share diluted on 54.0 million basic and 59.7 million diluted shares. Net income included two non-recurring items; one is the acceleration of $1.8 million in a non-cash compensation charge ...

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