Slide 1: Investor Presentation April 2013
Oodctrust BANCORP,INC* Investor Presentation APRIL 2013
Slide 2: Forward-looking Statements
Forward-looking Statements Opdctrust ANCORP, INC:
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
Slide 4: Company Overview
Company Overview ‘Company Name: First PacTrust Bancorp, Inc. NasDAQ, 2 BANC Debt Ticker: BANCL Index Russell 2000 — ‘Auditor KPMG $135.6 million I 0.48 (8.20%) 2 $11.40 (as oF 5/28/23) Pacific Trust Bank 2 $10.08 - $13.11 47,000 Raymond James Sandler O'Neill Keefe sruyette& Woods RW. Baird Sterne Ag
Slide 5: Financial Overview
Financial Overview pint $ in Thousands Balance Sheet vezor2 | ve Gna peen in a Total interest income $55,031 securities 0 5 Total interest Expense $8479 Loans, Net $1234) $1,601 Net interest income $46.552 LHFS/Other oe a Provision for Loan and Lease Losses $5,500 “Total Assets | saeee| $a.a95_ Net
Slide 6: Strategic Growth
Strategic Growth First PacTrust has been successfulin 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; Pending 2013 closing of acquisition of The Priva
Slide 7: Retail Banking Locations
Retail Banking Locations Currant Fest PacTrust Footy OFS ‘Chula Vite cA 81910 yy I Sart Scapn a on pale Me ve 5508 Bato Ave Senbene oT Ya "e040 Bernardo CeerOr San Diego A seize tata 27425 YoezRe Temes aT ‘5030 arngon Ave Buersde cA 82804 2200 Arngion Ave Average ch 62803 cava {850 Lagoon Dr ‘hula V
Slide 8: Loan Production Offices
Loan Production Offices cific Trust Bank Loan Production Offices Albany ‘oakland Alhambra Orange County Aliso Vie; Ontario. pot chico orowile ey Concord PalmDesert contcon Costamesa Pasadena Encino Petaluma Flagstaff brescot Fresno Redding Grants Pass salinae irvine san Mateo itvine2 santa Rosa Irvi
Slide 9: Loan and Deposit Mix
Loan and Deposit Mix Loan Portfolio -2012Q4 Pro Forma Total Loans & Leases: $1,735, (CRE-Owner othertoans Consumer Occupied 236 toans 7% 2% Muttifrity ™ a? Residential Mortgage 50% 14% Pacific Trust Bank: Attractive single family residential and commercial real estate mortgage platform Beach Busines
Slide 10: Deposit Franchise
Deposit Franchise Pacific Trust Bank — $1.1 billion with 44% in transaction accounts Beach Business Bank — $243 million with 95% in transaction accounts The Private Bank of California — $582 million with 84% transaction accounts Deposit base of $1.9 billion, pro forma, based in Southern California +
Slide 11: Cost of Deposits - WAR
Cost of Deposits - WAR Consolidated cost of deposits: 0.42% Pacific Trust Bank: 0.53% Beach Business Bank: 0.40% The Private Bank of California: 0.24% Since December 31, 2010, the bank has reduced overall cost of deposits by 22 bps 0.600% 0.500% 0.400% 0.300% 0.200% 0.100% 0.000% 0.53% i 2a | 0.42%
Slide 12: Loan Portfolio
Loan Portfolio Loans (es of December 31,2012) (CRE-Owner Othertoans Consumer Occupied 2% oans % 2% Imuttifmiy . >> Residentiol Mortgage $ in Millions Pro Forma FPTB Residential Mortgage CRE-Investor c&u/SBA Multifamily CCRE-Owner Occupied Other Consumer TOTAL ro forma includes The Private Bankof Cal
Slide 13: Credit Metrics
Credit Metrics otal Classified Loans / Total Loans | 43% 3.7% ‘Total Non-Accrual plus OREO /Total Loans plus OREO 3.5% 17% Total Classified Loans / Capital plus Reserves 24.9% 26.4% Texas Ratio® | 24.1% 8.75% fee von ccrulpanaortoepatemnsrr/Toncntlntene ncuareeetomestoute CYOCCTUST Sl UG, OCIrUS BAN
Slide 14: Capital Position
Capital Position Regulatory Capital Ratios Pacific Trust Bank Beach Business Bank Consolidated as | as | as | as | a | a | as zorz | 2012 | 2011 | 2012 | 2012 | 2011 | 2012 Tier 1 Leverage 131% | 112% | 112% | 116% | 108% | 120% Tier 1 Risk-Based Capital, 173% | 161% | 163% | 165% | 142% | 10.7% Tot
Slide 15: Residential Lending
Residential Lending
Slide 16: Organizational Structure Update
Organizational Structure Update Executive Management Head of Residential Lending Corporate Support FIRST Ce ee eee eee eee || COE USt agreement with CS Financial, BANCORP, INC:
Slide 17: Residential Lending Team
Residential Lending Team Jeff Seabold, Head of Residential Lending (24 years mortgage experience) Richard Herrin, Chief Administrative Officer (24 years mortgage experience) John Madden, General Counsel (25 years mortgage experience) Paul Lyons, Head of Operations (24 years mortgage experience) Neal
Slide 18: SFR Mortgage Originations (Held for Sale)
SFR Mortgage Originations (Held for Sale) Ss 25 I = g La - Bee: $150 |— el is $8 A , ae =e Opdctrust ANCORP, INC