Slide 1: Investor Presentation May 2013
©)oactrust BANCORP,INC* Investor Presentation MAY 2013
Slide 2: Forward-looking Statements
Forward-looking Statements w inthis pr nu ation and in documents sith or furnished tothe Securities and Exchan: ion [the *SEC"), n press releasesor other public sharehold ‘communications o n ara statements madawith the sppravel ofan authorises fice, the words or ras I’ "are expected to," “will conti
Slide 3: Additional Information About the Proposed Merger with The Private Bank of California
Additional Information About the Proposed Merger with The Private Bank of California Opedctrust BANCORP, INC
Slide 4: Company Overview
Company Overview 1) Pending Transactions First PacTrust Bancorp, Inc. Company Navie Fel ParTrictEanCon Ine Exchange NASDAQ Equity Ticker: BANC Debt Ticker: BANCL Index Russell 2000 KPMG $141.71 million PTB Property Div. and Yield: 0.48 (4.10%) Holdings Price: $11.89 (asf 5/6/13) S2wk Range: $10.08 -
Slide 5: Leadership Team
Leadership Team First PacTrust Bancorp nard of Directors Chief Executive Officer * _ Effective with PBOC acquisition and closing. SS —[riemataoae antec Faia Nemec asian ee HO, Ba Satie Povotchanns| | RESERERSSny | [merece] | ceventcamat | | cietnaronce | [enethansaoncer] [ORR ee Taber Fao Taiieaboid
Slide 6: Financial Overview
Financial Overview $in $ in Thousands nae! Income Statement Qi 2013 Balance Sheet Qi 2013 | Qi2013* SaaS a aS Total Interest Income $19,168 ‘ash & Depos seems a or Total Interest Expense $3,809 arene Meir Sie Net Interest Income $15,359 LHFS/Other $204 on7 Provision for Loan and Lease Losses $2,167
Slide 7: Key Banking Ratios
Key Banking Ratios $ in Thousands Q1 2013, 04 2012 ‘a1 2013, 04.2012 ROAA t ‘Average Assets $1,434,538 $1,352,891 $323,970 $311,910 Net Income $3,915 $272 $794 | $1,997 ROAA 1.11% 0.08% 0.99% | 255% ROAE 1 ‘Average Equity $163,917 $162,564 $48,115, $45,200 Net Income $3,915 $272 $794 ‘$1,997 ROAE 9.
Slide 8: Strategic Growth
Strategic Growth First PacTrust has been successful in growing its asset base both organically as well as through opportunistic acquisitions since its recapitalization in November 2010. Closed acquisitions of Gateway Bancorp and Beach Business in 2012 Acquisition of The Private Bank of California ex
Slide 9: Retail Banking Locations
Retail Banking Locations Branches as of November 2010 First Address Line City State ZipCode 279 F St Chula Vista cA 91810 1350 Fletcher Pkwy EICajon CA ‘32020 +5508 Balboa Ave San Diego cA eit 416840 Bernardo Center Dr San Diego CA 92128 27425 Ynez Rd Temecula cA 92591 ‘5030 Arington Ave Riverside c
Slide 10: Loan Production Offices Map
@ WASHINGTON Oi 6 ei @ 2012 and before @ 2013 @ Pending Loan Production Offices Albany Alhambra Alliso Viejo Chico Concord Costa Mesa Encino Flagstaff Fresno Grants Pass Irvine Irvine2 Invines Klamoth Falls lasolla Los Angeles / Korea Town Lake Stevens Lakewood Long Beach Medford Murrieta Napa Newpo
Slide 11: Loan and Deposit Mix
Loan and Deposit Mix Loan Portfolio -2013Q1 Pro Forma Deposit Composition - 2013Q1 Pro Forma ‘Total Loans & Leases: $2,108 RE-Owner otherLoans __ Consumer Occupied 496 Loans 1% 1% Multifamily 5% CRE Investors 19% Residential Mortgage 57% Pacific Trust Bank: Attractive single family residential and c
Slide 12: Deposit Franchise
Deposit Franchise Pacific Trust Bank — $1.4 billion with 58% in transaction accounts Beach Business Bank — $318 million with 87% in transaction accounts The Private Bank of California — $580 million with 84% transaction accounts Deposit base of $2.3 billion, pro forma, based in Southern California *
Slide 13: Cost of Deposits - WAR
Cost of Deposits - WAR Consolidated cost of deposits: 0.48% ne Pacific Trust Bank: 0.58% 0.60% 0.58% Beach Business Bank: 0.45% 0.50% 0.48% 0.45% The Private Bank of California: 0.24% 0.40% Since December 31, 2010, the bank has reduced overall cost of deposits ce 28% by 36 bps 0.20% _ | 0.00% Pacifi
Slide 14: Loan Portfolio
Loan Portfolio Loans Source of Loans Grown (as of March 31,2013) (as of March 31, 2013) ‘CREOwner otherLoans Consumer (00's) ‘Occupied Loans Multifamily 5% 000,000 ‘Acquisition - PBOC ‘Requisition ~Gateway Residential 2,500,000 quisition - Bead hii $1 Acquisition - Beach 57% Purchased $1,000,000 $ i
Slide 15: Credit Metrics
Credit Metrics Ratios as of 3/31/13 Pacific Trust Bank® Beach Business Bank* Total Classified Loans / Total Loans | 3.5% 2.4% Total Non-Accrual plus OREO /Total Loans plus OREO 3.0% 0.7% Total Classified Loans / Capital plus Reserves 17.7% 19.1% Texas Ratio™* 18.9% 5.1% FIRST Le Opadctrust ** Non-pe
Slide 16: Capital Position
Capital Position Regulatory Capital Ratios ic Trust Bank aa 2012 Beach Business Bank Consolidated Qa Qi 2013 2012 2012 2013 Tier 1 Leverage 11.8% 11.2% 10.5% | 115% 12.0% 13.4% Tier 4 Risk-Based Capital 17.1% 16.3% 18.0% | 13.9% 14.7% 15.4% Total Risk Based Capital 18.3% 17.6% 19.3% | 152% | 151% 16
Slide 17: Residential Lending
Residential Lending
Slide 18: Organizational Structure Update
Organizational Structure Update Executive Management Head of Residential Lending Corporate Support Tomita |[ meee || Pon Casing eee Powel towring TONNE ee Dest Production & Operations SVP Warehouse Lending Mission Hills Mortgage iia Pri = Procesing || Underwning Mr Post Casing oor decount agora i Me
Slide 19: Residential Lending Team
Residential Lending Team Business Support: RML has a robust and highly experienced corporate support team to ensure proper governance, with a focus on risk and compliance, and oversee the residential lending division. Jeff Seabold, Head of Residential Lending (24 years mortgage experience)" Richard
Slide 20: SFR Mortgage Originations (LHFS)
SFR Mortgage Originations (LHFS) Originations $in Millions Revenue $350 318 $16 $300 YoY Growth =53.9% 314 $250 312 $200 a 4 $10 $150 — $100 eo) $50 x2 so ” Q2-2011 © G3-2011 44-2011 Q1-2012,Q2-2012.Q3-2012.Q4-2012.Qa-2013 mm Originations oo Revenue Opactrust BANCORP,INC