Slide 1: Q2 2012 Operating Results
Oodctrust BANCORP,INC* Q2 2012 Operating Results ‘August6, 2012
Slide 2: Forward-looking Statements
Executing on Growth Opa +trUst Forward-looking Statements When sed nh eertton ond doce id wth fie tothe Stes ond Exchange Common he SEC) inet es rahe “hachaertonmunconans orc satnents nage de gros far Pera’ eae i ews apse hele ae oul” “tere oe nee gi oan tcp “te” ret “on armio enon me mens sey oman
Slide 3: Second Quarter 2012 Highlights
Executing on Growth Opdctrust Second Quarter 2012 -- Highlights Strong organic loan and deposit growth ¥ $32 million of asset growth; with total assets at $1.12 billion as of 6/30/12 Y $60 milion of organic loan production in Q2 2012 at average yield of 4.8% Y De Novo branches added $28 million in d
Slide 4: Results
Executing on Growth Opdctrust 22 Results © Net loss of $739 thousand for the 2% quarter © Non-interest expense increased by $1.7 milion to $8.9 milion for the second quarter compared to $8.2 milion forthe quarter ending March 31,2012. = $1.1 milion of increase in non-interest expense's attributable
Slide 5: Loans
oO piest pdctrust Loans '* New loan production in Q2 2012 totaled $60 milion 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 non- tradi
Slide 6: Deposits
Executing on Growth 6) pdctrust Deposits Outstanding Deposit Balances {onomntes Romo| '* Total deposits have grown by $66 milion vmp. $2 million second quarter deposit run Off was planned to improve quality of deposits = De Novo branches added $28 million in deposits in Q2 2012 © Added #21 net new c
Slide 7: Branch Network
Executing on Growth Opdctrust Branch Network > 14 Branchlocations serving San Diego, Los Angeles, Orange, and Riverside Counties > Includes the five De Novo branches opened in Lo Jola, San Morcos, Century City, Santa Monica, and Tustin. Newport Beach branch expected to open during 312. >> ranches ae
Slide 8: Net Interest Margin
oO piest pactrust Net Interest Margin © Netinterest margin for 02 2012 impacted by: = Anincreasein short term liquid assetsin anticipation of the 3012 funding requirements ‘or Beach Business Bank and Gateway Business Bank acquisitions. = Anincreasein costof funds due to issuance of {$33 million in 7
Slide 9: Non-Interest Income
16) dctrust Non-Interest Income AKcoRm INC © 22012 non-interest income increased $136 thousand reflecting a gain of $145 ‘thousand on sale of a $23 million SFR loans, pool srs 3380 $325 Executing on Growth
Slide 10: Non-Interest Expense
Executing on Growth Opdctrust Non-Interest Expense '* Non-interest expense increased by $1.7 million to $9.9 million in Q2 2012 NNon-interest Expense — Salaries and occupancy expenses grew by $0.6 million = Professional Services expenses grew by $0.4 milion © 50.2 millionin Gateway acquisition expen
Slide 11: Credit Metrics
Executing on Growth Opdctru st Credit Metrics Delinquencies declined by 76% year over year from $34.3 million to $8.7 million Asset Quality Trends (30-58), (60-89), and (90+) Delinquencies mn ca... i , Ltn a eee oe eS fecwssl aes [ess [sre | ees oe [aoe ae | a [oo ese | Bee ee ete
Slide 12: Credit Quality
pai ‘Cictrust Credit Quality uencies on originated loan portfol declined to $6.3 million, a 66% decline since 12/31/2011 © OREO declined to $9.2 million © 22012 Net Loan Charge-offs declined to $4 thousand compared to $2.3 million in Q1 2012 30 20 $10 Executing on Growth Delinquencies & NPA Componen
Slide 13: Credit Quality and Provision
Executing on Growth Opdctrust Credit quality and provision Allowance for Loan & Lease Losses © Asof June 30, 2012 the allowance for loan losses was at ae 8 $11.4 million, oF 1.4% of loans | 100 | 100 © Reflecting improved credit duality, ALLL represents 438% coverage on $2.6 milion of loans bes in d
Slide 14: Capital
Executing on Growth Opdctrust Capital ‘© strong capital position at Bancorp and Pacific RE tonssetet Trust Bank = At June 30,2012 the Bank’s total core capital to adjusted tangible assets stands {at 11.4% and total risk-based capital ratio stands at 17.9% © Bancorp’stangible common equity to assetra
Slide 15: Other Items
Opdctrust Other items Executing on Growth Beach Merger Closed ly. 202. seach eprted taal assets $12 mon and net Income of $0.2 millon forthe quater ended une 30 2012 aor aneaeon expance. Gateway Acquisition Alcea resets spre pected le gut 17,2012 Gate rept 2 earings of 1.2 ilo $480 millon ner loan o
Slide 16: Summary
Executing on Growth Pdctrust summary -Y $32 milion of asset growth; wth total assets exceeding $1.12 billion at 6/30/12. Year-to-date growthof 11.6% ¥ Strong organicloan originations and De Novo deposit growth with attractive pricing and credit metrics ¥-_38basis points reduction in Net Interest Mar
Slide 17: Appendices
Opdctrust Appendices
Slide 18: Non-GAAP Financial Information
16) piest Poe Executing on Growth ictrust Non-GAAP Financial Information “This pesenaton contains cetain tnanci infomation deteines by methods othe than in accordance wh accountng srnciles general accepeain Ine Unted Sials GAAP"). These on. GAAP Inara measures nce tangible commen aut “Tangible comme