Slide 1: Beach Business Bank Acquisition
C)oactrust BANCORP,INC* Beach Business Bank Acquisition June 14, 2012
Slide 2: Forward Looking Statements
Opactrust_ Forward Looking Statements wi used in his presentation nd in documents filed with or furnished tothe Se. ations, arin oral statements made with the approval of an author will continue,”is anticipated, "estimate," “project.” plans,” or similar expressions are intended to identify “forward-
Slide 3: Transaction Recap
Executing on Growth Opacirust Transaction Recap Structure ¥ Whole company acquisition of Beach Business Bank ¥ $9.21 per share in cash + one warrant to acquire 0.33 registered and freely tradable shares of BANC at $14.00 per share. ¥ Warrants maintain a term of one year from date of closing. Require
Slide 4: Overview of Beach Business Bank
Executing on Growth Opdcirust Overview of Beach Business Bank : ae [Bank Name Beach Business Bank| Headquarters Manhattan Beach, CA) Date Established June 1, 2004] Depository Branches 3 \Total Assets $ 298,539 |Cash & Securities $ 30.724 |Gross Loans $ 260,275 |Total Deposits $ 256,940 [Tangible Com
Slide 5: Pro Forma Consolidated Balance Sheet
Executing on Growth Opdctrust Pro Forma Consolidated Balance Sheet aie dei Proforma Consolidated* Total Assets $ 1,349,407 Total Assets Cash & Securities 39,724 Cash & Securities $§ 174,469 = Gross Loans $ 1,099,733 “27512 Deposits § 1,111,355 cE Tg. Common Equity § _140,591°*} Gross Loans Deposits
Slide 6: Pro Forma Deposit Composition
Executing on Growth 1 Opactrust Pro Forma Deposit Composition PacTrust Bank FERS Deposit Mix ‘of Balance Total Deposit Mix ‘oF Balance ___ Total Demand Deposits $ 24925 29% Demand Deposits S 6702 271% Demand Deposts $ NOW & OtherTrans Acct § 97.455 114% NOW OtherTrans Acct § 15521 60% NOW 8 OtherTra
Slide 7: Pro Forma Loan Composition
Opactrust Pro Forma Loan Composition Executing on Growth PacTrust Bank Loan Mix %of Balance Total Constr & Land Dev $ 1,066 0.13% 44 Family 3584416 69.62%. Multifamily Loans $ 84.185 10.02%. Owmer-Occupied CRE $ 34.041 4.06% Other CRE $125,367 14.93%, Commercial & Industrial § 8,962 1.07% Consumer L
Slide 8: Summary
Executing on Growth Opactrust Summary The acquisition of Beach Business Bank remains immediately accretive to earnings Represents a strategic, financial and cultural fit with First PacTrust Bancorp Strategic Fit and Attractive Expands PacTrust’s Souther California footprintinto new key markets i i B
Slide 9: Appendix
Executing on Growth Opacinst Appendix
Slide 10: Non-GAAP Financial Information
Executing on Growth Opdctrust Non-GAAP Financial Information This presentation contains certain financial infarmation determined by methods other than in accordance with accounting principles generally accepted in the United States ((GAAP"), These non-GAAP financial measures include tangible common