Slide 1: Investor Presentation August 2012
Opoadctrust BANCORP,INC* Investor Presentation August 2012
Slide 2: Forward-looking Statements
Executing on Growth Opdctrust Forward-looking Statements BANCORMINC: When usd in thie resenttionandin document les with or farihed tothe Seeunter ond Behonge Common (he “SEC, Inpresrelorer or athe publ ‘Shereholer communtotors, ori orl statemens mod wth te opervalofen authored enecve ofr, the words
Slide 3: Why Invest in First PacTrust?
Executing on Growth Opdctrust Why Invest in First PacTrust? BANCORMINC: Y First PacTrust is a strong growth oriented Bank — Sound Business Plan — Strong capital position — Focus on “qualitative” growth with 26% year-over-year increase in total assets between Q2-2011 and Q2-2012. — Strong franchise d
Slide 4: Company Background Information
6) FIRST pdctrust Company Background Information BANCORRINC: FRB regulated Bank Holding Company — Fist post Dodd-Frank SBLHCto be approved as BHC $1.12 Billion total assets as of June 30, 2012 \Wholly-owned subsidiary, PacTrust Bank (Bank), isa federal savings bank regulated by the OCC. Headquartere
Slide 5: Organic and Acquisitive Growth
Executing on Growth Opdctrust Organic and Acquisitive Growth BANCORRINC: + Management additions completed + Repostioned products + 2MOUs terminated Strengthen infrastructure “Delinquencies declined by 6796 In Improveasset JRPUTET ta) quality + 90+ delinquent loans plus OREO at 41.06% of total assets
Slide 6: Foundation - Philosophy
ss Foundation - Philosophy Management Team ‘Mission Statement: ‘Tobethe premier ‘community bankin Southern California serving the needs of strong Cat ‘Access to Balance proeciraly anes : Sheet midsized businesses and coil Goren Market Opportunity Executing on Growth
Slide 7: Management Team
Opdctrust Management Team BANCORMINC: Officer ‘Greg Miche Bob Franko chard Hern Matt Senaccorso Marte Domings (hang Li Gain Anderson Position CEO rilionin assets to 68 branch and 7,7 blion ‘ational bank ~ lvestment banker focusing on regional banks. ~ Foymer regulator with OTS, funder of Capital ‘As
Slide 8: Access to Capital
Executing on Growth Opdctrust Access to Capital ¢ ? BANCORRINC: © Continued strong capital position at Bancorp and Pacific Trust Bank TCE to Assets 200% © Added more than $100 milion of new capital and liquidity over the past 18 months 15.0% = $60 milion of pipe deal completed in November 2010, and
Slide 9: Growth Strategy
Executing on Growth Opdctrust Growth Strategy @ BANCORMINC: ¥ Increase market penetration within the Bank’s Selectively explore traditional acquisitions primary footprint and expand into ¥ Focus on banks with the following neighboring regions (characteristics -_ ; —Open new retail banking locations
Slide 10: Scalable Business
Executing on Growth Opdctrust Scalable Business 6 BANCORMINC: * Strong capital levels to ° Asset allocation support organic growth flexibility * Access to capital to —Low CRE concentration support acquisitions —Low C&l concentration ~e- v First PacTrust is well-positioned for growth v First PacTrust
Slide 11: Gateway and Beach Business Banks
Executing on Growth Opdctrust Gateway and Beach Business Banks re) BANCORMINC: © Beach Business Bank merger completed on July 1, 2012 Solid current earnings with franchise expected to add ~$2 million in pre-tax income in 2012 — Leads to expansion in NIM and NII Moderate first year lift from “cross i
Slide 12: Franchise Map: Branches & Offices
Franchise Map: Branches & Offices © Operate 14 banking offices serving San Diego, Los Angeles, Orange, and Riverside Counties 19 banking offices following completion of announced acquisitions of Beach and Gateway Business Bank Pro FormaBanking Branch Map* Pro-formamap with mortgage offices 5 De Novo
Slide 13: Delivering in 2012
Executing on Growth OBbdactrust Delivering in 2012 @ BANCORMINC: Complete integration of [= eaeeerennEn sare) Gateway and Beach ‘beach business bankingplatform (COMPLETED) ‘Nin declined 527% 9bps)ina2-12 compared to 3.36% at 06-1 es aresulto aninereseinshore ‘erm liquidacets nantepaton of fundlngrea
Slide 14: Long-term Goals
Executing on Growth Opdctrust Long-term Goals é BANCORMINC: ——. me 12% ROA each of Los Angeles, Orange, and B
Slide 15: Why Invest in First PacTrust
Executing on Growth Opdctrust Why Invest in First PacTrust BaNCORFINC: First PacTrust is well-positioned to become a lead bank consolidator in Southern California First PacTrust is a strong bank that will provide solid qualitative earnings with low credit risk. First PacTrust offers investors an att
Slide 16: Appendix
Executing on Growth Opdctrust APPENDIX BANCORRINC: APPENDIX 15
Slide 17: Loans
FIRST pdctrust Loans BANCORRINC: © New loan production in Q2 2012 totaled $60 million with average coupon of 4.8% on. organic growth © a2 2012 quarter end balance increased $1 million to $829 million over 3-31-12 despite sale of approximately $23 million in SFR loans and pre-payments in the Bank’s n
Slide 18: Deposits
Executing on Growth Opdctrust Deposits 6 BANCORRINC: $900 a0 Outstanding Deposit Balances Tbmin Sins / sms '* Total deposits have grown by $66mm YTD. = $2million second quarter deposit run off was planned to improve quality of deposits — De Novo branches added $28 million in deposits in Q2 2012 0.80
Slide 19: Credit Quality
Executing on Growth Opdctrust Credit quality (2) BANCORRINC: Delinquencies declined by76% year over year from $34.3 milion to $8.7 million Delinquencies & NPA Components Allowance for Loan & Lease Losses noun Sto (Sinton) ‘NPAs igclude loans that are more than 89 days delinquent aa sine $120 400% $1
Slide 20: Non-GAAP Financial Information
5) FIRST pa BANCORMINC: Executing on Growth ictrust Non-GAAP Financial Information ‘This presentation contains certain fnancal information determined by methods other than in accordance with accounting principles generally acceptedin the United States (GAAP). These non-GAAP financial measures includ