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)		November 5, 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

Information is being furnished herein in Exhibit 99.1 with respect to presentations to investors and others by Pacific Premier Bancorp’s President and CEO, Steven R. Gardner on November 5th and 6th, 2007. These materials replace and supersede investor presentation materials previously furnished as an exhibit to Current Reports on Form 8-K.

The presentation is also available on the Company's web site at www.ppbi.net.

Information contained herein, including Exhibit 99.1, shall not be deemed filed for the purposes of the Securities Exchange Act of 1934, nor shall such information and Exhibit be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such a filing.

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:  November 5, 2007                                                 By:           /s/ STEVEN R. GARDNER

Steven R. Gardner

President and Chief Executive Officer

EX-99.1

Investor Presentation

Third Quarter 2007

Steven R. Gardner

President & CEO

WWW.PPBI.NET

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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
competitive 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

Southern California Community Bank
Data as of September 30, 2007
NASDAQ National Market	PPBI
Assets	$779 million
Fully diluted shares	6,554,247
Fully diluted Book Value	$9.56

PPBI Overview

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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What We Inherited
Nationwide Subprime Lender
• Assets	$552 million
• Loans	$434 million
• Subprime loans	75%
• NPA’s	7.8%
• Employees/Offices	334/10
• Under capitalized
• Subject to Regulatory Enforcement

Phase 1

7

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

Phase 1

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Phase 2

•Loan growth - Multi-family focus

•Deposit products and services

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($ in millions)

$472

Loan Growth

10

Deposit Growth

($ in millions)

$289

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Completed 2004
• Assets	$543 million
• Loans	$472 million
• Secondary Offering	$26 million
• Note retired
• Stage set for transition

Phase 2

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Phase 3

Transition Business Model

•Diversify Loan Portfolio

•Relationship Banking

•Expansion of Branch Network

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($ in millions)

$260

Business and CRE Growth

14

Diversify Loan Portfolio

Multifamily

CRE Investor

CRE business

C&I

SBA

Other

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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	$ 1,016	2.01%
	Q3	$ 70,095	$ 970	1.37%

(dollars in thousands)

Loan Sales

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Phase 3

Transition Business Model

•Diversify Loan Portfolio

•Relationship Banking

•Expansion of Branch Network

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Relationship Marketing

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As of September 30, 2007 dollars in thousands, excludes broker deposits

Deposit Mix

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Deposit Mix

12/31/04

9/30/07

CD’s

Transaction

Consumer

Business

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Business Account Growth

1,317

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Business Deposit Growth

$45,594

(dollars in thousands)

22

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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Risk Management

Balance Sheet Strength

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Multifamily
Loan to Value	64.11
Debt Coverage Ratio	1.20
Average Balance	$972,234
CRE Investor
Loan to Value	61.96
Debt Coverage Ratio	1.31
Average Balance	$1,158,222
CRE Business
Loan to Value	61.59
Average Balance	$997,510

Portfolio Characteristics

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NPA to Total Assets

Asset Quality

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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 2006-2015
Rank	State	(#)	Rank	(#)
1	California	37,236,000	1	6,932,000
2	Texas	23,786,000	2	2,793,000
3	New York	19,532,000	6	666,000
4	Florida	18,478,000	3	2,218,000
5	Illinois	13,092,000	10	542,000
6	Pennsylvania	12,590,000	31	168,000
7	Ohio	11,627,000	32	160,000
8	Michigan	10,317,000	33	154,000
9	Georgia	9,553,000	5	787,000
10	North Carolina	8,905,000	7	613,000

California Market

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Source: SNL

Top 10 States by Household Income
Median Household Income			Projected Median Household Change
Rank	State	2007 ($)	Projected Growth		5 yr. Growth
*	Orange County	75,660		1	13,218
1	New Jersey	69,831		5	11,438
2	Connecticut	68,430		2	12,855
3	Massachusetts	66,046		1	13,196
4	Maryland	65,627		9	11,117
5	Alaska	63,746		8	11,143
6	New Hampshire	62,216		14	10,577
7	Minnesota	61,307		4	11,851
8	Colorado	60,976		3	11,884
9	California	60,268		16	9,998
10	Delaware	60,094		19	9,507

California Market

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* 58 Counties in California

Source: SNL

Top 10 Counties by Population
Population			Projected Population Change
Rank	County	2007 (#)	Rank	2007 - 2012 (#)
1	Los Angeles	10,110,975	2	342,762
2	Orange	3,081,783	5	137,448
3	San Diego	3,064,142	6	128,081
4	Riverside	2,100,707	1	452,912
5	San Bernardino	2,051,757	3	283,963
6	Santa Clara	1,771,177	11	63,939
7	Alameda	1,500,793	17	36,169
8	Sacramento	1,421,408	4	140,435
9	Contra Costa	1,047,327	12	59,593
10	Fresno	915,824	9	92,040

California Market

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	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

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	P/EPS	P/TBV
CA Banks*	16.4x	211%
PPBI Metrics*	13.1x	110%

*   As of 10/26/07

Source: SNL

Attractive Valuation

Valuation relative to California Peers:

33

PPBI Summary

•Transition to Commercial Bank

•Low Risk Balance Sheet

•On-going Expansion

•Excellent time to invest

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

WWW.PPBI.NET