ppbi_8k-somarchpresentation.htm

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)		March 8, 2011
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

Steven R. Gardner, President and Chief Executive Officer of Pacific Premier Bancorp, Inc. (the “Company”), is scheduled to present at the Sandler O’Neill & Partners, L.P. 2011 West Coast Financial Services Conference in Marina Del Rey, California, on Tuesday, March 8, 2011. The presentation by the Company is scheduled to begin at 12:45 pm Pacific Time on March 8, 2011.

The Company's presentation at the conference will be available for viewing by live webcast and can be accessed through the Sandler O’Neill & Partners, L.P. web site at http://www.sandleroneill.com by using the following instructions: Go to the “Conferences” tab then select “Register to View Webcast” under the West Coast Financial Services Conference heading. The Company's presentation will be archived and available for 30 days after the event, beginning March 9, 2011.

In addition to the live webcast, the Company's presentation will also be available via audio conference on March 8, 2011, and can be accessed by dialing 877-253-8059 and entering the passcode: 8309199648#.

A copy of the presentation slides, which will be discussed by the Company during its presentation at the conference, is attached hereto as Exhibit 99.1. The presentation slides are 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, as amended, nor shall such information and the Exhibit be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, 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:	March 8, 2011	By:	/s/ STEVEN R. GARDNER
			Steven R. Gardner
			President and Chief Executive Officer

www.ppbi.com

Sandler O’Neill West Coast

Financial Services Conference

March 8, 2011

Steven R. Gardner

President & CEO

www.ppbi.com

This presentation contains forward-looking statements regarding events or future financial performance
of the Company, including statements with respect to our objectives and strategies, and the results of
our operations and our business. These statements are 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. We
caution readers of this presentation not to place undue reliance on these forward-looking statements as
a number of risks could cause future results to differ materially from these statements. These risks
include, but are not limited to, the following: 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; and various legal, regulatory and litigation risks; as
well as those additional risks identified in risks factors discussed in the reports filed by the Company
with the SEC, which are available on its website at www.sec.gov. The Company does not undertake
any obligation to update any forward-looking statements for any reason, even if new information
becomes available or other events occur in the future.

www.ppbi.com

Headquarters:	Costa Mesa, California
Regional Focus:	Southern California
Business Focus:	Small and middle market businesses
Total Assets:	$1.037 billion *
Net Loans:	$704.2 million *
Total Deposits:	$863.9 million *
Branches:	9 locations *

* Pro forma with Canyon National Bank acquisition on 2/11/11. Using management’s unaudited preliminary fair market value
calculations.

www.ppbi.com

	(dollars in thousands, except per share data)
Balance Sheets	Pro Forma * YTD 12/31/10	YTD 12/31/10	YTD 12/31/09	YTD 12/31/08
Total assets	$ 1,037,296	$ 826,816	$ 807,323	$ 739,956
Net loans	704,221	555,538	566,584	622,470
Total deposits	863,927	659,240	618,734	457,128
Total borrowings	78,810	78,810	101,810	220,210

Statements of Operations
Net interest income		$ 28,437	$ 23,185	$ 21,118
Provision for loan losses		2,092	7,735	2,241
Net income (loss)		4,238	(460)	708
Net income (loss) per share (diluted)		$ 0.38	$ (0.08)	$ 0.11

Bank Capital Ratios
Tier 1 leverage		10.29%	9.72%	8.71%
Tier 1 risk based		14.03	13.30	10.71
Total risk based		15.28	14.55	11.68

* Pro forma with Canyon National Bank acquisition on 2/11/11. Using management’s unaudited preliminary fair market value
calculations.

www.ppbi.com

At December 31, 2010 *

(in millions)

Canyon National Bank

* Pro forma with Canyon National Bank acquisition on 2/11/11. Using management’s unaudited preliminary fair market value
calculations.

www.ppbi.com

At December 31, 2010 *

(in millions)

* Pro forma with Canyon National Bank acquisition on 2/11/11. Using management’s unaudited preliminary fair market value
calculations.

www.ppbi.com

At December 31, 2010 *

(in millions)

Pacific Premier Bancorp, Inc.

Canyon National Bank

* Pro forma with Canyon National Bank acquisition on 2/11/11. Using management’s unaudited preliminary fair market value
calculations.

www.ppbi.com

At December 31, 2010 *

* Pro forma with Canyon National Bank acquisition on 2/11/11. Using management’s unaudited preliminary fair market value
calculations.

www.ppbi.com

Delinquency to Total Loans

California peer group consists of all insured California institutions in the FFIEC database

www.ppbi.com

• Bank transition gaining momentum

• Core deposit growth - small/middle market
businesses

• Conservative credit structure

• Expansion opportunities

Develop the Bank into one of Southern California’s
top performing commercial banks