Banc Of California, Inc. · NYSE:BANC
Banc Of California — First Pactrust Bancorp — SNL Community Banking Conference 2012
10 slides from Banc Of California's conference presentation, May 2, 2012
Slide 1: SNL Community Banking Conference
Opadctrust BANCORP,INC* SNL Community Banking Conference May 3, 2012
Slide 2: Forward-looking Statements
Executing on Growth Opdctrust Forward-looking Statements BANCORMINC: When sein thi precetatin ondindacamets fled wthorfamihedto the Secures and Exchange Commision (the SE"). n press eeces othe pub shrchoder onmunicoonorinorlstatements madewith the opprovolefonovtaraedereutwe oe, te words orobvass ev
Slide 3: Company Background Information
Opdctrust Company Background Information Executing on Growth BANCORMINC: Unitary savings and loan holding company supervised by Federal Reserve Board with $1.08 Billion total assets as of March 31, 2012 Wholly-owned subsidiary, Pacific Trust Bank (Bank), is a federal savings bank supervised by the O
Slide 4: Franchise Map: Branches & Offices
Franchise Map: Branches & Offices Operate 14 banking offices serving San Diego, Los Angeles, Orange, and Riverside Counties 48 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 o
Slide 5: Business Foundation - Philosophy
Executing on Growth Business Foundation - Philosophy Scalable Management Team y ‘Tobethe premier ‘community bankin Southern California serving the needs of ‘growing families, high net ‘Access to Strong ‘worth individual, Balance professionals, smallto it ridsized businetees and coral Sheet . ‘their
Slide 6: Growth Strategy
Growth Strategy 1. Organic Growth V Increase market penetration within the Bank’s primary footprint and expand into neighboring regions —Open new retail banking locations and staff with well known community bankers to attract core deposits —Enhance loan and deposit product set —Establish high qualit
Slide 7: Capital Attraction and Asset Growth
Executing on Growth Opdctrust Capital Attraction and Asset Growth BANCORMINC: ‘Added more than $100 million of new capital and liquidity over the past 18 months © $60 million pipe deal completed in November 2010. Repaid all $19.3 million of TARO 2011. $33MM Senior Debt offering in April 2012 Organic
Slide 8: Organic Loan and Deposit Growth
Opdctrust Organic Loan and Deposit Growth BANCORRINC: ‘Outstanding Loan Balances Ianennsn mien / Hanna $850 $800 re [mene Sox sue sos so i $750 Executing on Growth Outstanding Deposit Balances "inountn an / sean)
Slide 9: Observations
Observations * Capital markets are open and available to those community banks with scalable balance sheets, quantifiable credit risk and proven management teams. * Winning business plans need to be reasonable and attainable and cannot rely on unproven or “silly” assumptions. * Credit risk must be f
Slide 10: First PacTrust Bancorp
FIRST Opactrust
First Pactrust Bancorp — SNL Community Banking Conference 2012 on 6ix