8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)		February 26, 2009
PACIFIC PREMIER BANCORP, INC.
(Exact name of registrant as specified in its charter)
DELAWARE	0-22193			33-0743196
(State or other jurisdiction of incorporation)	(Commission File Number)			(I.R.S. Employer Identification No.)
1600 Sunflower Ave, Second Floor, Costa Mesa, CA				92626
(Address of principal executive offices)				(Zip Code)
Registrant’s telephone number, including area code			(714) 431-4000
Not Applicable
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 7.01 REGULATION FD DISCLOSURE

Information is being furnished herein in Exhibit 99.1 with respect to presentations to investors and others by Pacific Premier Bancorp’s President and CEO, Steven R. Gardner beginning on February 26, 2009 and for the remaining weeks of the first quarter of 2009. These materials replace and supersede investor presentation materials previously furnished as an exhibit to Current Reports on Form 8-K.

The presentation is also available on the Company's web site at www.ppbi.com.

Information contained herein, including Exhibit 99.1, shall not be deemed filed for the purposes of the Securities Exchange Act of 1934, nor shall such information and Exhibit be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such a filing.

ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS

99.1   Presentation by Pacific Premier Bancorp, Inc., CEO, Steven R. Gardner.

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 hereunto duly authorized.

PACIFIC PREMIER BANCORP, INC.

Dated: February 26, 2009                                                By:           /s/ STEVEN R. GARDNER

Steven R. Gardner

President and Chief Executive Officer

EX-99.1

www.ppbi.com

Investor Presentation

Investor Presentation

First Quarter 2009

First Quarter 2009

Steven R. Gardner

Steven R. Gardner

President & CEO

President & CEO

www.ppbi.com

The statements contained herein that are not historical facts are forward-looking
statements based on management's current expectations and beliefs concerning
future developments and their potential effects on the Company.There can be no
assurance that future developments affecting the Company will be the same as
those anticipated by management.Actual results may differ from those projected
in the forward-looking statements.These forward-looking statements involve
risks and uncertainties.These include, but are not limited to, the following risks:
changes in the performance of the financial markets; changes in the demand for
and market acceptance of the Company's products and services; changes in
general economic conditions including interest rates, presence of competitors with
greater financial resources, and the impact of competitive projects and pricing; the
effect of the Company's policies; the continued availability of adequate funding
sources; andvarious legal, regulatory and litigation risks.

www.ppbi.com

Southern California Community Bank

Data as of 12/31/08

•NASDAQ National MarketPPBI

•Assets$740 million

•Deposits$457 million

•Fully diluted shares6,089,851

•Fully diluted Book Value$9.60

•Tier-1 Capital Ratio8.99%

•Tangible Common Equity Ratio7.62%

www.ppbi.com

•Company History

•Balance Sheet Strength

•Strategic Plan

•Outlook

www.ppbi.com

Three Step

Strategic Plan

•Recapitalize

•Return to Profitability

•Commercial Banking Model

www.ppbi.com

Nationwide Subprime Lender

•Assets$552 million

•Loans$434 million

•Subprime loan portfolio75%

•NPA’s7.8%

•Employees/Offices 334/10

•Under capitalized

www.ppbi.com

Phase 1

2000 - 2002

•Assets$246 million

•Loans$135 million

•Risk reduction

•Recapitalized

•Note and warrant issued

•Regulatory concerns resolved

www.ppbi.com

Phase 2

2002 - 2004

•Assets$543 million

•Loans$472 million

•Secondary Offering$  26 million

•Multi-family focus -wholesale funding

•Gain on sale income

www.ppbi.com

Phase 3

Began 2005

•Transition to Commercial Banking Model

•Recruitment of Business Bankers

•Develop, implement new products/services

•Branch Expansion

www.ppbi.com

•Strong capital levels

•Excellent loan quality

•Conservative credit culture

•Experienced credit team

•Diversified loan portfolio

www.ppbi.com

Minimum requirement for “Well-Capitalized” institutions

Pacific Premier Bank

www.ppbi.com

Peers are CA Banks $500 million to $1.5 billion.

Source: FDIC Data - Statistics on Depository Institutions

www.ppbi.com

Average

Loan Size

Seasoning
(months)

LTV

DCR

Multifamily RE

$ 1,053,000

29

65%

1.47

CRE Investor

$ 1,202,000

29

57%

1.54

CRE Owner

$977,000

29

52%

----

Const. & Land

$ 2,641,000

23

61%

----

C&I/SBA

$412,000

19

----

----

www.ppbi.com

Loans Outstanding by Category

(in millions)

www.ppbi.com

www.ppbi.com

Loans Outstanding by Property Type

(in millions)

www.ppbi.com

www.ppbi.com

(dollars in millions)

No.

Face
Value

Book
Value

Market
Value

Unrealized
Gain/Loss

US Government

2

$0.2

$ 0.2

$ 0.2

$0.0

Govt. Sponsored Agency

62

$ 38.3

$ 37.9

$ 38.9

$ 1.0

Investment Grade

70

$ 21.1

$ 20.5

$ 16.0

$ (4.6)

Noninvestment Grade

16

$3.2

$2.7

$1.4

$ (1.3)

OTTI

19

$2.6

$0.2

$0.2

$0.0

Total

169

$ 65.3

$ 61.5

$ 56.6

$ (4.9)

www.ppbi.com

www.ppbi.com

•Focus on core deposit growth by targeting small and
middle market businesses

•Consistent sales calling by Business Bankers

•Relationship banking through high service levels

•Pursue select profitable opportunities

To develop the Bank into one of Southern
California’s top performing commercial banks.

www.ppbi.com

Los
Angeles

Orange

San Bernardino

San Diego

Riverside

Imperial

Kern

San Luis

Obispo

Santa
Barbara

Ventura

Existing Branch

www.ppbi.com

(dollars in millions)

www.ppbi.com

www.ppbi.com

•Commercial banking model transition on track

•Great time to gain market share

•Outperform peers due to:

Conservative credit culture

High quality loan portfolio

•Management & Board aligned with shareholders

www.ppbi.com

Questions?

Questions?