ppbi_8k-feb2009presntation.htm

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Investor Presentation

First Quarter 2009

Steven R. Gardner

President & CEO

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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; and various legal, regulatory and litigation risks.

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Southern California Community Bank

Data as of 12/31/08

• NASDAQ National Market PPBI

• Assets $740 million

• Deposits $457 million

• Fully diluted shares 6,089,851

• Fully diluted Book Value $9.60

• Tier-1 Capital Ratio 8.99%

• Tangible Common Equity Ratio 7.62%

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• Company History

• Balance Sheet Strength

• Strategic Plan

• Outlook

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Three Step

Strategic Plan

• Recapitalize

• Return to Profitability

• Commercial Banking Model

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Nationwide Subprime Lender

• Assets $552 million

• Loans $434 million

• Subprime loan portfolio 75%

• NPA’s 7.8%

• Employees/Offices 334/10

• Under capitalized

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Phase 1

2000 - 2002

• Assets $246 million

• Loans $135 million

• Risk reduction

• Recapitalized

• Note and warrant issued

• Regulatory concerns resolved

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Phase 2

2002 - 2004

• Assets $543 million

• Loans $472 million

• Secondary Offering $ 26 million

• Multi-family focus - wholesale funding

• Gain on sale income

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Phase 3

Began 2005

• Transition to Commercial Banking Model

• Recruitment of Business Bankers

• Develop, implement new products/services

• Branch Expansion

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• Strong capital levels

• Excellent loan quality

• Conservative credit culture

• Experienced credit team

• Diversified loan portfolio

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Minimum requirement for “Well-Capitalized” institutions

Pacific Premier Bank

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

Source: FDIC Data - Statistics on Depository Institutions

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Average

Loan Size

Seasoning
(months)

LTV

DCR

Multifamily RE

$ 1,053,000

65%

1.47

CRE Investor

$ 1,202,000

57%

1.54

CRE Owner

$ 977,000

52%

----

Const. & Land

$ 2,641,000

61%

----

C&I/SBA

$ 412,000

----

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Loans Outstanding by Category

(in millions)

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Loans Outstanding by Property Type

(in millions)

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(dollars in millions)

No.

Face
Value

Book
Value

Market
Value

Unrealized
Gain/Loss

US Government

$ 0.2

$ 0.0

Govt. Sponsored Agency

$ 38.3

$ 37.9

$ 38.9

$ 1.0

Investment Grade

$ 21.1

$ 20.5

$ 16.0

$ (4.6)

Noninvestment Grade

$ 3.2

$ 2.7

$ 1.4

$ (1.3)

OTTI

$ 2.6

$ 0.2

$ 0.0

Total

169

$ 65.3

$ 61.5

$ 56.6

$ (4.9)

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• 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.

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Los
Angeles

Orange

San Bernardino

San Diego

Riverside

Imperial

Kern

San Luis

Obispo

Santa
Barbara

Ventura

Existing Branch

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(dollars in millions)

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• 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

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Questions?