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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 2020
or
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from              to             
Commission file number 001-35522
BANC OF CALIFORNIA, INC.
(Exact name of registrant as specified in its charter)
Maryland
(State or other jurisdiction of
incorporation or organization)
04-3639825
(IRS Employer Identification No.)
3 MacArthur Place, Santa Ana, California
(Address of principal executive offices)
92707
(Zip Code)
(855) 361-2262
(Registrant’s telephone number, including area code)
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer
Accelerated filer
Non-accelerated filer
Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act.)  Yes  No 


Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, par value $0.01 per shareBANCNew York Stock Exchange
Depositary Shares each representing a 1/40th interest in a share of 7.375% Non-Cumulative Perpetual Preferred Stock, Series DBANC PRDNew York Stock Exchange
Depositary Shares each representing a 1/40th interest in a share of 7.00% Non-Cumulative Perpetual Preferred Stock, Series EBANC PRENew York Stock Exchange
Indicate the number of shares outstanding of each of the issuer’s classes of common stock as of the latest practicable date.
As of August 3, 2020, the registrant had outstanding 49,754,330 shares of voting common stock and 477,321 shares of Class B non-voting common stock.


BANC OF CALIFORNIA, INC.
FORM 10-Q QUARTERLY REPORT
June 30, 2020
Table of Contents
Page
Item 1 –
Item 2 –
Item 3 –
Item 4 –
Item 1 –
Item 1A –
Item 2 –
Item 3 –
Item 4 –
Item 5 –
Item 6 –

2

Forward-Looking Statements
When used in this report and in public stockholder communications, in other documents of Banc of California, Inc. (the Company, we, us and our) filed with or furnished to the Securities and Exchange Commission (the SEC), or in oral statements made with the approval of an authorized executive officer, the words or phrases “believe,” “will,” “should,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project,” “plans,” “guidance” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. You are cautioned not to place undue reliance on any forward-looking statements, which speak only as of the date made. These statements may relate to our future financial performance, strategic plans or objectives, revenue, expense or earnings projections, or other financial items of Banc of California Inc. and its affiliates (the "Company", "we", "us" or "our"), as well as the continuing effects of the COVID-19 pandemic on the Company’s business, operations, financial performance and prospects. By their nature, these statements are subject to numerous uncertainties that could cause actual results to differ materially from those anticipated in the statements.
Factors that could cause actual results to differ materially from the results anticipated or projected include, but are not limited to, the following:
i.the costs and effects of litigation, including legal fees and other expenses, settlements and judgments;
ii.the effect of the novel coronavirus (COVID-19) pandemic and steps taken by governmental and other authorities to contain, mitigate, and combat the pandemic on our business, operations, loan portfolio, financial performance, and prospects;
iii.the risk that the benefits we realize from exiting the third party mortgage origination and brokered single family residential lending business will be less than anticipated and that the costs we incur from exiting that business will be greater than anticipated;
iv.the risk that we will not be successful in the implementation of our capital utilization strategy and our other strategies for transitioning to a traditional community bank;
v.our ability to obtain regulatory approvals or non-objection to take various capital actions, including the payment of dividends by us or our bank subsidiary or repurchases of our common or preferred stock;
vi.risks that any merger and acquisition transactions of the Company may disrupt current plans and operations and lead to difficulties in customer and employee retention, risks that the costs, fees, expenses and charges related to these transactions could be significantly higher than anticipated and risks that the expected revenues, cost savings, synergies, and other benefits of these transactions might not be realized to the extent anticipated, within the anticipated timetables, or at all;
vii.fluctuations in the demand for loans and fluctuations in commercial and residential real estate values in our market area;
viii.the credit risks of lending activities, which may be affected by deterioration in real estate markets, the financial condition of borrowers, and the operational risk of lending activities, including but not limited to, the effectiveness of our underwriting practices and the risk of fraud; any of which may lead to increased loan delinquencies, losses, and non-performing assets in our loan portfolio which may result in our allowance for credit losses not being adequate and require us to materially increase our credit loss reserves;
ix.the Financial Accounting Standards Board's Current Expected Credit Loss accounting standard, which requires financial institutions to determine periodic estimates of lifetime expected credit losses on loans, and provide for the expected credit losses as allowances for loan losses;
x.the quality and composition of our securities portfolio, particularly the credit risks within our collateralized loan obligation investment portfolio and other asset classes;
xi.errors in estimates of the fair values of certain of our assets and liabilities, which may result in significant changes in valuation;
xii.changes in general economic conditions, either nationally or in our market areas, or changes in financial markets;
xiii.continuation of, or changes in, the short-term interest rate environment, changes in the levels of general interest rates, volatility in the interest rate environment, the relative differences between short- and long-term interest rates, deposit interest rates, our net interest margin, and funding sources;
xiv.our ability to develop and maintain a strong core deposit base or other low cost funding sources necessary to fund our activities;
xv.results of examinations of us by regulatory authorities and the possibility that any such regulatory authority may, among other things, limit our business activities, require us to change our business mix, increase our allowance for credit losses, write-down asset values, increase our capital levels, or affect our ability to borrow funds or maintain or increase deposits, any of which could adversely affect our liquidity and earnings;
xvi.legislative or regulatory changes that adversely affect our business, including, without limitation, changes in tax laws and policies and changes in regulatory capital or other rules, and the availability of resources to address or respond to such changes;
xvii.our ability to control operating costs and expenses;
xviii.staffing fluctuations in response to product demand or the implementation of corporate strategies that affect our work force and potential associated charges;
xix.the risk that our enterprise risk management framework may not be effective in mitigating risk and reducing the potential for losses;
xx.failures or security breaches with respect to the network and computer systems on which we depend;
xxi.our ability to attract and retain key members of our senior management team;
xxii.increased competitive pressures among financial services companies;
xxiii.changes in consumer spending, borrowing and saving habits;
xxiv.the effects of severe weather, natural disasters, pandemics, acts of war or terrorism and other external events on our business;
xxv.the ability of key third-party providers to perform their obligations to us;
xxvi.changes in accounting policies and practices, as may be adopted by the financial institution regulatory agencies or the Financial Accounting Standards Board or their application to our business, including additional guidance and interpretation on accounting issues and details of the implementation of new accounting methods;
xxvii.share price volatility and reputational risks, related to, among other things, speculative trading and certain traders shorting our common shares and attempting to generate negative publicity about us; and
xxviii.other economic, competitive, governmental, regulatory, and technological factors affecting our operations, pricing, products and services and the other risks described in this report and from time to time in other documents that we file with or furnish to the SEC, including, without limitation, the risks described under Part I. Item 1A. “Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2019 and under Part II. Item 1A. “Risk Factors” of our Quarterly Report on Form 10-Q for the quarter ended March 31, 2020.

Further, statements about the continuing effects of the COVID-19 pandemic on our business, operations, financial performance, and prospects may constitute forward-looking statements and are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable, and in many cases beyond our control, including the scope and duration of the pandemic, actions taken by governmental authorities in response to the pandemic, and the direct and indirect impact of the pandemic on our clients, third parties, and us.
We undertake no obligation to update any such statement to reflect circumstances or events that occur after the date, on which the forward-looking statement is made, except as required by law.
3

PART I – FINANCIAL INFORMATION
ITEM 1 – FINANCIAL STATEMENTS
BANC OF CALIFORNIA, INC.
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(Amounts in thousands, except share and per share data)
(Unaudited)
June 30,
2020
December 31,
2019
ASSETS
Cash and due from banks$23,394  $28,890  
Interest-earning deposits in financial institutions397,246  344,582  
Total cash and cash equivalents420,640  373,472  
Securities available-for-sale, at fair value1,176,029  912,580  
Loans held-for-sale, carried at fair value19,768  22,642  
Loans receivable
5,627,696  5,951,885  
Allowance for credit losses - loans(90,370) (57,649) 
Loans receivable, net5,537,326  5,894,236  
Federal Home Loan Bank and other bank stock, at cost46,585  59,420  
Premises, equipment, net125,247  128,021  
Bank owned life insurance110,487  109,819  
Operating lease right-of-use assets19,408  22,540  
Investments in alternative energy partnerships, net26,967  29,300  
Deferred income taxes, net48,288  44,906  
Income tax receivable13,094  4,233  
Goodwill37,144  37,144  
Other intangible assets, net3,292  4,151  
Other assets185,863  185,946  
Total assets$7,770,138  $7,828,410  
LIABILITIES AND STOCKHOLDERS’ EQUITY
Noninterest-bearing deposits$1,391,504  $1,088,516  
Interest-bearing deposits4,645,961  4,338,651  
Total deposits6,037,465  5,427,167  
Federal Home Loan Bank advances, net617,170  1,195,000  
Long-term debt, net173,537  173,421  
Reserve for loss on repurchased loans5,567  6,201  
Operating lease liabilities20,531  23,692  
Accrued expenses and other liabilities68,909  95,684  
Total liabilities6,923,179  6,921,165  
Commitments and contingent liabilities
Preferred stock185,037  189,825  
Common stock, $0.01 par value per share, 446,863,844 shares authorized; 52,161,922 shares issued and 49,750,958 shares outstanding at June 30, 2020; 51,997,061 shares issued and 50,413,681 shares outstanding at December 31, 2019
522  520  
Class B non-voting non-convertible common stock, $0.01 par value per share, 3,136,156 shares authorized; 477,321 shares issued and outstanding at June 30, 2020 and at December 31, 2019
5  5  
Additional paid-in capital632,117  629,848  
Retained earnings85,670  127,733  
Treasury stock, at cost (2,410,964 and 1,583,380 shares at June 30, 2020 and December 31, 2019)
(40,827) (28,786) 
Accumulated other comprehensive loss, net(15,565) (11,900) 
Total stockholders’ equity846,959  907,245  
Total liabilities and stockholders’ equity$7,770,138  $7,828,410  
See accompanying notes to consolidated financial statements (unaudited)
4

BANC OF CALIFORNIA, INC.
CONSOLIDATED STATEMENTS OF OPERATIONS
(Amounts in thousands, except per share data)
(Unaudited)
Three Months EndedSix Months Ended
June 30,
June 30,
2020
March 31,
2020
June 30,
2019
20202019
Interest and dividend income
Loans, including fees$63,642  $65,534  $89,159  $129,176  $179,717  
Securities7,816  7,820  12,457  15,636  30,298  
Other interest-earning assets1,239  1,360  2,424  2,599  4,737  
Total interest and dividend income72,697  74,714  104,040  147,411  214,752  
Interest expense
Deposits10,205  14,611  28,598  24,816  60,041  
Federal Home Loan Bank advances4,818  5,883  8,289  10,701  17,370  
Securities sold under repurchase agreements2    16  2  34  
Long-term debt and other interest-bearing liabilities2,357  2,359  2,357  4,716  4,719  
Total interest expense17,382  22,853  39,260  40,235  82,164  
Net interest income55,315  51,861  64,780  107,176  132,588  
Provision for (reversal of) credit losses11,826  15,761  (1,900) 27,587  198  
Net interest income after provision for (reversal of) credit losses43,489  36,100  66,680  79,589  132,390  
Noninterest income
Customer service fees1,224  1,096  1,434  2,320  2,949  
Loan servicing income95  75  121  170  239  
Income from bank owned life insurance591  578  580  1,169  1,105  
Net gain on sale of securities available-for-sale2,011      2,011  208  
Fair value adjustment for loans held-for-sale25  (1,586) 59  (1,561) 60  
Net (loss) gain on sale of loans  (27) 2,767  (27) 4,319  
Other income (loss)1,582  1,925  (7,251) 3,507  (4,875) 
Total noninterest income (loss)5,528  2,061  (2,290) 7,589  4,005  
Noninterest expense
Salaries and employee benefits24,260  23,436  27,506  47,696  55,945  
Naming rights termination26,769      26,769    
Occupancy and equipment7,090  7,243  7,955  14,333  15,641  
Professional fees4,596  5,964  (2,903) 10,560  8,138  
Data processing1,536  1,773  1,672  3,309  3,168  
Advertising and promotion1,157  1,756  2,048  2,913  4,105  
Regulatory assessments725  484  2,136  1,209  4,618  
(Gain) loss on investments in alternative energy partnerships(167) 1,905  (355) 1,738  1,595  
Reversal of provision for loan repurchases(34) (600) (61) (634) (177) 
Amortization of intangible assets430  429  621  859  1,241  
Restructuring (reversal) expense    (158)   2,637  
All other expense6,408  4,529  5,039  10,937  8,838  
Total noninterest expense72,770  46,919