8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)		August 14, 2007
PACIFIC PREMIER BANCORP, INC.
(Exact name of registrant as specified in its charter)
DELAWARE	0-22193			33-0743196
(State or other jurisdiction of incorporation)	(Commission File Number)			(I.R.S. Employer Identification No.)
1600 Sunflower Ave, Second Floor, Costa Mesa, CA				92626
(Address of principal executive offices)				(Zip Code)
Registrant’s telephone number, including area code			(714) 431-4000
Not Applicable
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 7.01 REGULATION FD DISCLOSURE

On August 13, 2007, Pacific Premier Bancorp’s CEO, Steven R. Gardner, presented at the Howe Barnes/Hoefer Arnett Conference.   A copy of the presentation given is attached hereto as Exhibit 99.1, and is hereby incorporated by reference.

ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS

99.1   Presentation by Pacific Premier Bancorp, Inc., CEO, Steven R. Gardner.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

PACIFIC PREMIER BANCORP, INC.

Dated:  August 14, 2007                                                    By:           /s/ STEVEN R. GARDNER

Steven R. Gardner

President and Chief Executive Officer

EX-99.1

Howe Barnes/Hoefer Arnett Conference
August 13, 2007

Steven R. Gardner

President & CEO

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Forward-Looking Comments

The statements contained herein that are not historical facts are
forward looking statements based on management's current
expectations and beliefs concerning future developments and
their potential effects on the Company. There can be no
assurance that future developments affecting the Company will
be the same as those anticipated by management. Actual results
may differ from those projected in the forward-looking
statements. These forward-looking statements involve risks and
uncertainties. These include, but are not limited to, the following
risks: (1) changes in the performance of the financial markets, (2)
changes in the demand for and market acceptance of the
Company's products and services, (3) changes in general
economic conditions including interest rates, presence of
competitors with greater financial resources, and the impact of
c
ompetitive projects and pricing, (4) the effect of the Company's
policies, (5) the continued availability of adequate funding
sources, and (6) various legal, regulatory and litigation risks. 

3

PPBI Overview

Southern California Community Bank 

Data as of June 30, 2007

•Assets$720 million 

•Fully diluted shares6,573,888

•Fully diluted BV$9.41

•Annualized ROAA0.59%

•Annualized ROAE7.09%

•NASDAQ National Market     PPBI

4

PPBI Overview

•Company History

•Transitioning business model

•Balance sheet strength

•Favorable relative valuation

5

Today’s Agenda

Three Phase 

Strategic Business Plan

•Phase 1 - Recapitalize

•Phase 2 - Growth

•Phase 3 - Commercial Banking Model

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Phase 1

What We Inherited

Nationwide Subprime Lender

•Assets    $552 million 

• Loans   $434 million

•   Subprime loans                          75%

•NPA’s
•Employees/Offices   334/10
            
    7.8%

•Under capitalized

•Subject to Regulatory Enforcement

•  Employees/Offices334/10

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Phase 1

Completed June 2002

•Assets$246 million

•Loans$135 million

•Employees/Offices 63/4

•Substantial reduction in risk

•Recapitalized - Private Placement

•Note and warrant issued

•Regulatory concerns resolved

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Phase 2

•Loan growth - Multi-family focus

•Deposit growth - new products

•Foundation set for transition

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($ in millions)

$472

Loan Growth

10

Deposit Growth

($ in millions)

$289

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Phase 2

Completed 2004

•Assets$543 million

•Loans$472 million

•Secondary Offering     $26 million

•Note retired

•Stage set for transition

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Phase 3

Transition Business Model

•Diversify Loan Portfolio

13

($ in millions)

$252

* Includes: All Commercial, C&I, & Land loans.

Business and CRE Growth

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Diversify Loan Portfolio

Multifamily

CRE Investor

CRE business

SBA
C&I
            
          

Other

 C&I

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Year	Qtr	Loan Sales	Gain $	Gain %
2005	Q1	$ 8,119	$ 69	0.86%
	Q2	$ 2,257	$ 25	1.12%
	Q3	$ 21,630	$ 269	1.25%
	Q4	$ 28,067	$ 227	0.81%
2006	Q1	$ 38,987	$ 393	1.01%
	Q2	$ 39,955	$ 472	1.18%
	Q3	$ 65,371	$ 1,462	2.24%
	Q4	$ 61,438	$ 1,325	2.16%
2007	Q1	$ 63,999	$ 1,034	1.62%
	Q2	$ 50,535	$ 1,015	2.01%

(dollars in thousands)

Loan Sales

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Phase 3

Transition Business Model

•Diversify Loan Portfolio

•Business Banking

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Relationship Marketing

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As of June 30, 2007
dollars in thousands

Deposit Mix

19

dollars in thousands

Deposit Mix

12/31/04

6/30/07

CD’s

Consumer

Business

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Business Deposit Growth

$50,409

(dollars in thousands)

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Relationship Growth

	12/31/ 2004	6/30/2007
No. Relationships	63	285
Loans	$45,143,000	$317,934,000
Deposits	$1,194,000	$31,550,000

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Phase 3

Transition Business Model

•Diversify Loan Portfolio

•Relationship Banking

•Expansion of Branch Network

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Los
Angeles

Orange

San Bernardino

San Diego

Riverside

Imperial

Kern

San Luis

Obispo

Santa
Barbara

Ventura

Existing Branch

Southern California Market

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California Market

It’s the Economy

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Source: U.S. Census Bureau

Top 10 States by Population
06/30/2006 Population			Projected Population Change 2006-2011
Rank	State	(#)	Rank	(#)
1	California	36,457,549	1	2,916,604
2	Texas	23,507,783	2	2,576,453
3	New York	19,306,183	11	415,083
4	Florida	18,089,888	3	2,337,241
5	Illinois	12,831,970	8	645,448
6	Pennsylvania	12,440,621	26	240,104
7	Ohio	11,478,006	20	249,073
8	Michigan	10,095,643	19	281,668
9	Georgia	9,363,941	4	1,287,542
10	North Carolina	8,856,505	6	722,691

California Market

26

Source: U.S. Census Bureau

Top 10 States by Household Income
Median Household Income			Projected Median Household Change
Rank	State	07/31/2006 ($)	Projected Growth			5 yr. Growth
*	Orange County	73,129		2		13,083
1	Connecticut	75,541		2		13,242
2	New Jersey	75,311		5		12,848
3	Maryland	74,879		4		13,089
4	Massachusetts	71,655		1		15,950
5	New Hampshire	67,354		3		13,174
6	Alaska	67,084		14		11,022
7	Hawaii	66,472		31		9,166
8	Virginia	65,174		6		12,031
9	Rhode Island	64,657		9		11,612
13	California	61,476			18	10,420

California Market

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* 58 Counties in California

Source: State of California

Top 10 Counties by Population
Population			Projected Population Change
Rank	County	12/31/2006 (#)	Rank	2006 - 2011 (#)
1	Los Angeles	10,245,572	1	632,312
2	Orange	3,072,336	4	227,348
3	San Diego	3,066,820	5	166,236
4	San Bernardino	1,991,829	3	301,703
5	Riverside	1,953,330	2	377,576
6	Santa Clara	1,773,258	9	105,511
7	Alameda	1,501,303	11	99,131
8	Sacramento	1,385,607	6	150,806
9	Contra Costa	1,029,377	12	77,326
10	Fresno	899,514	8	115,092

California Market

28

	Orange Cty.	So. Cal.	National
Business Growth	15.9%	15.7%	7.4%
Payroll Growth	42.3%	45.1%	28.1%
Employment Growth	17.0%	18.3%	7.5%
Unemployment Rate	3.8%	4.6%	5.0%
No. of Businesses	82,000	493,000	N/A

Source: U.S. Census Bureau, 2002 data compared to 1997

Economic Strength

29

Risk Management

Balance Sheet Strength

30

Multifamily
Loan to Value		62.76
Debt Coverage Ratio		1.25
Average Balance	$857,458
CRE Investor
Loan to Value		61.89
Debt Coverage Ratio		1.33
Average Balance		$1,202,960
CRE Business
Loan to Value		59.17
Average Balance		$808,948

Portfolio Characteristics

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Delinquent Loans to Total Assets *	Nationwide	California	PPBI **
Multi-Family	0.01%	0.03%	0.00%
Commercial RE	0.09%	0.15%	0.02%
Single Family	0. 48%	0.61%	0.06%

Source:  FDIC as of 3/31/07

*    Includes past due 30-89 day, 90+ days and accruing, and non-accruals.

**  PPBI as of 6/30/07

Asset Quality

32

NPA to Total Assets

Asset Quality

33

	Avg. LTM x PE Ratio	Price to Tangible BV
CA Banks*	15.43x	212%
PPBI Metrics*	9.41x	113%

*   As of 6/30/2007, Asset Size $500 Million to $1 Billion

Source: Carpenter & Company

Attractive Valuation

Valuation relative to California Peers:

34

PPBI Summary

•Transition to Commercial Bank

•Low Risk Balance Sheet

•On-going Expansion

•Excellent time to invest

Trust, Service, Commitment…That’s my Bank.

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