Banc Of California, Inc. · NYSE:BANC

Banc Of California — First Pactrust Bancorp — Corporate Update (August 2011)

7 slides from Banc Of California's corporate update, Aug 24, 2011

  1. Slide 1: First PacTrust Bancorp, Inc. - August 24, 2011

  2. Slide 2: Important Disclosures

    Executing on Growth Opactrust !mportant Disclosures BANCORP,INC Forward-Looking Statements These materials contain various forward-looking statements that are based on assumptions and describe our future plans and strategies and our expectations. These forward: looking statements are generally ident

  3. Slide 3: Small Business Lending Fund

    Executing on Growth Opdctrust Small Business Lending Fund BANCORP,INC: First PacTrust Bancorp has heen offered $32 million in new Tier 1 capital from the Small Business Lending Fund ("SBLF") Our Board of Directors has accepted Treasury's offer and we expectto close the transaction on August 30, 2011

  4. Slide 4: Impact on Capital Accounts

    ‘S) FIRST pactrust Impact on Capital Accounts BANCORP,INC: $32 million investment in First PacTrust as of 6/30/2011 would have increased consolidated total equity from $160.5 million to $192.5 million, or 21.1% of assets **, 90% of SBLF proceeds will be invested in PacTrust Bank with 10% held at Ban

  5. Slide 5: Use of Proceeds

    Executing on Growth FIRS pdctrust Use of Proceeds PacTrust will seek to deploy its excess capital to further its strategic growth ini ives. 4 Grow and Diversify its loan portfolio: — Owner Occupied CRE: In 2011 we launched our CRE lending group which now numbers 3 loan officers plus support personne

  6. Slide 6: Business Update

    Executing on Growth Obactrust Business Update BANCORP,INC + Loan, Deposit and Credit Trends — $31.8 million of new CRE and SFR originations in Q2 with average coupon of 5.52% with increasing production in second half of 2011 — Cost of deposits currently below 70bps, primarily due to growth in core d

  7. Slide 7: Non-GAAP Financial Information

    Executing on Growth Opdctrust Non-GAAP Financial Information BANCORP,INC This presentation contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States ("GAAP"). These non-GAAP financial measures include tang

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