Pacific Premier Bancorp (PPBI) 8-K Forward-Looking Statements and Where to Find Additional Information

Investor Presentation
Second Quarter 2012

Steve Gardner

President & CEO

Forward-Looking Statements and
Where to Find Additional Information

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.

For a more complete discussion of risks and uncertainties, investors and security holders are urged
to read the Company’s annual report on Form 10-K, quarterly reports on Form 10-Q and other
reports filed by Pacific Premier Bancorp with the SEC. The documents filed by Pacific Premier
Bancorp with the SEC may be obtained at Pacific Premier Bancorp’s website at www.ppbi.com or
at the SEC’s website at www.sec.gov. These documents may also be obtained free of charge from
Pacific Premier Bancorp by directing a request to: Pacific Premier Bancorp, 1600 Sunflower,
Costa Mesa, CA 92626.Attention: Investor Relations. Telephone 714-431-4000.

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Corporate Profile

NASDAQ:	PPBI
Web:	www.ppbi.com
Focus:	Small & Middle Market Businesses
Total Assets:	$1.065 Billion
Branches:	10 Locations
TCE:	8.78%
FD Book Value:	$9.18
ROAA YTD:	1.71%
ROAE YTD:	18.88%

June 30, 2012

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Overview of PPBI

•Strategic Plan - Pre 2008 Stage

•Diversify the balance sheet, reduce wholesale funding dependence

•Establish and maintain strong, conservative credit culture

•Strategic Plan - Current Stage

•Fully leverage offensive capital raise- $15M in Q4 2009

•Growth through disciplined acquisitions

•Canyon National Bank - $209 million in assets

•Palm Desert National Bank - $104 million in assets

•Maintain positive trends in profitability, NIM, efficiency ratio, & credit quality

•Strategic Plan - Next Stage

•Increase fee income - SBA lending

•Increase non-interest bearing accounts to 25%+ of deposit base

•Manage capital to continue growth, both organic and through acquisitions

•Build out commercial banking franchise

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PPBI: Today vs. 2008

	12/31/08	6/30/12	Variance
Balance Sheet, Capital & Credit	(dollars in thousands)
Total assets	$739,956	$1,065,035	39.5%
Total loans	623,138	790,062	26.8%
Total deposits	457,128	913,191	99.8%
Leverage ratio	8.99%	9.60%	9.0%
Total risk-based capital ratio	12.07%	12.26%	1.6%
FHLB borrowings	$181,400	$0	(100.0%)
Loan Mix
Owner occupied CRE loans/Total loans	17.9%	18.8%	5.4%
Commercial & industrial loans/Total loans	6.9%	10.5%	53.4%
Warehouse loans/Total loans	0.0%	7.7%	n/a
Non-owner occupied CRE loans/Total loans	26.0%	30.4%	16.9%
Multi-family loans/Total loans	45.7%	23.0%	(49.7%)
Deposit Mix
Non-interest bearing deposits/Total deposits	6.4%	16.5%	153.8%
Non-CDs/Total deposits	19.3%	52.4%	171.1%
Yield, Cost and Returns
Cost of deposits	3.51%	0.66%	(82.1%)
Net interest margin	2.99%	4.48%	50.0%
Return on average assets	0.09%	1.71%	1,796.1%
Return on average equity	1.20%	18.88%	1,473.3%
Number of branch locations	6	10	66.7%

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Deposit Mix - Increasing Shareholder Value

$457,128

$618,734

$659,240

$828,877

$913,191

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Deposit Base: Today vs. 2008

	12/31/08	6/30/12	Variance
	(dollars in thousands)
Transaction Accounts:
Noninterest bearing	$29,443	$150,538	411.3%
Interest bearing checking	20,989	92,270	339.6%
Money market	23,463	145,727	521.1%
Savings	14,401	89,559	521.9%
Total transaction accounts	88,296	478,094	441.5%
CD Accounts
Time deposits	341,741	435,097	27.3%
Broker/wholesale CDs	27,091	0	(100.0%)
Total CDs	368,832	435,097	18.0%
Total deposits	$457,128	$913,191	99.8%

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Loan Portfolio: Today vs. 2008

	12/31/08	06/30/12	Variance
	(dollars in thousands)
Business Loans:
Commercial owner occupied	$112,406	$150,428	33.8%
Commercial and industrial	43,235	84,191	94.7%
Warehouse	0	61,111	N/M
SBA	4,942	3,995	(19.2%)
Total business loans	160,583	299,725	86.6%
CRE Loans:
Multi-family	287,592	183,742	(36.1%)
Commercial non-owner occupied	163,428	242,700	48.5%
Total CRE loans	451,020	426,442	(5.4%)
One-to-four family	9,925	56,694	471.2%
Other loans	7,239	15,491	114.0%
Gross loans	$628,767	$798,352	27.0%

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Strategic Plan Execution

•Relationship banking model

•Growing core deposit base - shareholder value

•Robust earnings stream, building book value

•Solid balance sheet, excellent asset quality

•Increasing market share

•Strong execution on acquisitions

•Disciplined analysis and pricing of targets

•Operational efficiency

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Financial Summary

	QTD 6/30/11	QTD 9/30/11	QTD 12/31/11	QTD 3/31/12	QTD 6/30/12
Balance Sheet	(dollars in thousands)
Total assets	$948,111	$928,502	$961,128	$985,171	$1,065,035
Net loans	699,579	725,952	730,067	687,141	790,062
Total deposits	815,985	797,378	828,877	846,717	913,191
Total equity	81,817	84,620	86,777	89,476	96,069
Statements of Operations
Net interest income	$10,336	$10,231	$10,960	$10,041	$11,282
Noninterest income (loss)	(1,093)	2,110	257	939	6,529
Noninterest expense	6,855	7,074	6,616	6,641	8,205
Net income	785	2,460	2,555	2,692	5,811
Diluted EPS	$0.08	$0.23	$0.24	$0.25	$0.55
Bank Capital Ratios
Tier 1 leverage	8.80	9.29	9.44	9.49	9.48
Tier 1 risk based	11.68	11.57	11.68	12.54	11.28
Total risk based	12.88	12.71	12.81	13.65	12.18

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

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Deposit Mix

Total deposits: $913.2 million

Cost of deposits: 0.63%

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Loan Portfolio

Total loans: $798.4 million

WAVG: 5.88%

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Conservative Credit Structure

•Overall Underwriting Approach:

•Global cash flow lender

•Loans:

•Business - full banking relationship

•CRE - no high risk product types or loan structures

•Personal guarantees, cross collateralized, cross guarantees

•Proactive Portfolio Management

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Loan Segment Characteristics

June 30, 2012

	Average Loan Size	Average Rate	Seasoning (months)	LTV	DCR
Business loans:
Commercial owner occupied	$622,000	6.31%	62	62%	----
Commercial & industrial	$233,000	5.47%	38	----	----
Warehouse	$7,639,000	5.34%	17	----	----
Real estate loans:
Multi-family	$988,000	5.95%	64	68%	1.21
Commercial non-owner occupied	$1,178,000	5.99%	51	58%	1.61
One-to-four family	$166,000	5.11%	46	53%	----

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Solid Loan Performance

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

Delinquency to Total Loans

PDNB

Acquisition

4/27/12

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Proactive Asset Management

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

Nonperforming Assets to Total Assets

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Potential M&A Targets

So. Cal. Institutions

Source: SNL Financial

Total assets …………………………………..	$16.8
Total deposits ………………….....................	13.5
Total core deposits ……………....................	11.9
Total loans …………………….....................	11.4
Total branches ………………........................	221

(dollars in billions)

Potential Targets - $100 to $500 million 100 miles of Costa Mesa, California As of March 31, 2012
	# of Institutions
$100 to $250 million	47
$250 to $500 million	25

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Potential FDIC Targets

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

So. Cal. Stressed Institutions

FDIC Targets - $1.0 billion and less 100 miles of Costa Mesa, California As of March 31, 2012
	Texas Ratio	# of Institutions
Near term	100% +	4
Longer term	50% to 100%	19

Texas Ratio > 100%

Texas Ratio b/t 50-100%

Source: SNL Financial

Total assets …………………………………..	$5.3
Total deposits ………………….....................	4.4
Total core deposits ……………....................	3.9
Total loans …………………….....................	3.8
Total branches ………………........................	74

(dollars in billions)

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Outlook

•Gaining market share from competitors

•Building franchise value

•So. CA one of the best banking markets

•Target rich environment for acquisitions

•Proven management team and track record

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Steve Gardner

sgardner@ppbi.com

714-431-4000

www.ppbi.com

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