Pacific Premier Bancorp 8K Regulation FD Disclosure | PPBI 9 Nov 11

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Investor Presentation

Third Quarter 2011

Steven R. Gardner

President & CEO

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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.

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• In 1983, Pacific Premier Bank (the
“Bank”) was founded and later expanded
into subprime lending

• By 1999, growing losses prompted the
Bank to refocus its strategy

• In 2000, the current management team
took over and developed a strategic plan to
transform the Bank to a Community Bank

Phase 1 - Recapitalize/Restructure -2000-2002

• Issued $12 million note and warrants

• Lowered the risk profile of the Bank

Phase 2 - Return to Profitability - 2003 -2005

• Grew the balance sheet

• Raised $27 million via secondary offering

Phase 3 - Commercial Bank Model 2006-2010

• Diversify loan and deposit portfolios

• Raised $15 million Offensive Capital

• Q1 2011 closed on FDIC acquisition of
Canyon National Bank

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Headquarters:	Costa Mesa, CA
Business Focus:	Small and middle market businesses
Total Assets:	$928.5 million
Branches:	9 locations
TCE:	8.91%
FD Book Value:	$8.11
ROAA YTD:	1.14%
ROAE YTD:	13.24%

At September 30, 2011

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Strong Management Team

Name	Position	Age	Experience
Steve Gardner	President & CEO	50	27
Kent Smith	EVP & Chief Financial Officer	49	25
Eddie Wilcox	EVP & Chief Banking Officer	44	22
Mike Karr	EVP & Chief Credit Officer	42	21
Steve Arnold	SVP & General Counsel	41	19
Tom Rice	SVP & Chief Information Officer	39	18

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	(dollars in thousands)
Balance Sheets	QTD 9/30/11	QTD 6/30/11	QTD 3/31/11	QTD 12/31/10	QTD 9/30/10
Total assets	$ 928,502	$ 948,111	$ 956,482	$ 826,816	$ 821,320
Net loans	725,952	699,579	691,074	555,538	543,284
Total deposits	797,378	815,985	832,786	659,240	656,791
Total borrowings	38,810	38,810	38,810	78,810	76,810

Statements of Operations
Net interest income	$ 10,231	$ 10,336	$ 9,102	$ 7,533	$ 7,402
Provision for loan losses	1,322	1,300	106	0	397
Noninterest income (loss)	2,110	(1,093)	5,239	14	674
Noninterest expense	7,074	6,855	6,359	5,009	4,809
Net income	2,460	785	4,772	1,600	1,845

Bank Capital Ratios
Tier 1 leverage	9.29	8.80	9.09	10.29	10.15
Tier 1 risk based	11.32	11.47	10.29	14.03	14.01
Total risk based	12.44	12.64	11.40	15.28	15.26

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• Expansion opportunities - FDIC and traditional M&A

• Relationship banking - small/middle market businesses

• Proactive credit management

• Potential to grow fee income/consumer products

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

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Texas ratio defined as NPAs + 90 days PD / tangible common equity plus
loan loss reserves; Circle radius represents 100 miles

SoCal Stressed Institutions

Possible failures as of March 31, 2011 within 100 miles of Costa Mesa, California
	Texas Ratio	# of Institutions
Near term	100% +	10
Longer term	50% to 100%	31

Possible near and longer term failures

Texas Ratio > 100%

Texas Ratio b/t 50-100%

Source: SNL Financial

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Strong Core Deposit Base

1.02%

1.07%

1.40%

Cost - 2.09%

0.94%

($ in millions)

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0.34%

0.39%

0.72%

Cost - 0.93%

0.37%

($ in millions)

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At September 30, 2011

(in millions)

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• Overall Underwriting Philosophy:

• Global cash flow focused

• Loans:

• Business - owner occupied CRE and C&I

• Investor owned CRE approach

• No CRE TDR, no covenant lite, no high risk lending

• Personal guarantees, cross collateral and cross guarantees

• Proactive Portfolio Management

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At September 30, 2011

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	Average Loan Size	Average Rate	Seasoning (months)	LTV	DCR
Real estate loans:
Multi-family	$ 989,000	6.13%	60	69%	1.18
Non O/O CRE	$ 1,030,000	6.65%	53	59%	1.33
Res. 1-4 1st	$ 185,000	5.19%	35	63%	----
Business loans:
O/O CRE	$ 684,000	6.52%	59	60%	----
C & I	$ 365,000	5.96%	28	----	----
SBA	$ 148,000	6.02%	20	----	----

At September 30, 2011

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	9/30/11	12/31/10	12/31/09	12/31/08
Balance	$212.6	$243.6	$278.7	$287.6
Avg. balance	$0.989	$1.041	$1.053	$1.053
Rate	6.13%	6.21%	6.20%	6.30%
LTV	69%	69%	67%	65%
DCR	1.18	1.20	1.20	1.47

(dollars in millions)

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Non-owner Occupied CRE

	9/30/11	12/31/10	12/31/09	12/31/08
Balance	$165.9	$130.5	$149.6	$163.4
Avg. balance	$1.030	$1.165	$1.216	$1.202
Rate	6.65%	6.66%	6.85%	7.04%
LTV	59%	59%	59%	57%
DCR	1.33	1.30	1.42	1.54