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)   September 8, 2005

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):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o 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 September 8, 2005, Pacific Premier Bancorp’s CEO, Steven R. Gardner, presented at the West Coast Super-Community Bank Conference.   A copy of the presentation given is attached hereto as Exhibit 99.1, and is hereby incorporated by reference.

Slide 15 ion Asset Quality, which is included in Exhibit 99 hereof, is different than the version which was presented at the Conference, due to the correction of errors which appeared in the original Slide.

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:  September 8, 2005	By:	/s/ STEVEN R. GARDNER
		Steven R. Gardner
		President and Chief Executive Officer

EX-99.1

Exhibit 99.1

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Super Community Bank Conference
September 8, 2005

Steven R. Gardner
President & CEO

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.

PPBI Overview

Southern California Community Bank

Data as of 6/30/05

•	NASDAQ National Market	PPBI
•	Assets	$634 million
•	Fully diluted shares	6,558,718
•	Fully diluted BV	$7.60
•	Annualized ROAA	1.38%
•	Annualized ROAE	17.54%

PPBI Overview

• Community bank business model

• Exceptional growth being realized

• Experienced management - proven track record

• Favorable relative valuation

• Innovative, creative, energetic employee base

Experienced Management Team

Name (Age)	Position	Years of Banking Experience
Steven Gardner (44)	President & Chief Executive Officer	21
John Shindler (50)	EVP/Chief Financial Officer	28
Eddie Wilcox (38)	EVP/Chief Lending Officer	16
Bruce Larson (47)	SVP/Chief Credit Officer	21
Kathi Duncan (48)	SVP/Director of Operations	24
Jim Sanchez (42)	SVP/Director of Information Technology	21
Robert Johnson (61)	Director of Internal Audit	33

Relationship Banking

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Innovative Marketing

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Innovative Marketing

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Innovative Marketing

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Total Assets

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Asset Mix

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Loan Growth

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Loan Portfolio Mix

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Loan Characteristics

Multifamily
Loan to Value		65.45
Debt Coverage Ratio		1.28
Average Balance	$	750,954

Commercial
Loan to Value		63.27
Debt Coverage Ratio		1.38
Average Balance	$	1,021,316

Data as of June 30, 2005

Asset Quality

As of June 30, 2005

Nonaccrual Loans to Total Assets	Nationwide (1)			Western Region (1)			PPBI
Multi-Family		0.08	%		0.02	%		0.00	%
Commercial		0.63	%		0.67	%		0.00	%
Single Family		0.44	%		0.45	%		0.24	%

(1) Source: Office of Thrift Supervision

NPAs to Total Assets

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Deposit Growth

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Deposit Mix

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Transaction Account Mix

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Southern California Market

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Southern California Market

• Strong Economic Growth

–  Employment	+1.7	%	(*)
–  Personal Income	+5.7	%	(*)
–  Population	+1.5	%	(*)

• Business Expansion

–  Small Business Expansion

–  Low Commercial Vacancy Rates

–  Commercial property growth

* 2006 Forecast

Sources:          Marcus & Millichap 2005 Real Estate Investment Oulook, Friedman Billings Ramsey California Dreamin’ 8/30/05, National Association of Realtors, Wells Fargo Economics California Report Southern California.

Financial Performance

Balance Sheet

	As of
		6/30/2005		12/31/2004		12/31/2003		12/31/2002		12/31/2001
Assets:
Cash and Investments		69,068		60,847		44,715		61,833		42,365
Loans, net		552,537		470,354		247,600		158,231		187,176
Other Assets		12,864		11,923		17,053		18,214		14,126
Total Assets	$	634,469	$	543,124	$	309,368	$	238,278	$	243,667
Liabilities:
Deposits		297,766		288,887		221,447		191,170		232,160
Borrowings		284,736		206,710		48,600		32,940		1,500
Other Liabilities		4,394		3,499		1,989		2,545		2,359
Total Liabilities		586,896		499,096		272,036		226,655		236,019
Stockholders’ Equity		47,573		44,028		37,332		11,623		7,648
Total Liabilities and Stockholders’ Equity	$	634,469	$	543,124	$	309,368	$	238,278	$	243,667
Fully Diluted Book Value per share ( Dollars In Thousands, Except Per Share Data)	$	7.60	$	7.08	$	5.98	$	4.98	$	5.73

Income Statement

	6 Months Ended		12 Months Ended
	6/30/2005		12/31/2004		12/31/2003			12/31/2002			12/31/2001
Interest Income
Loans	$	14,355	$	19,719	$	12,366		$	12,345		$	21,973
Other Int. Earning Assets		912		3,504		4,882			6,527			2,469
Total Interest Income		15,267		23,223		17,248			18,872			24,442
Interest Expense
Deposits		3,591		5,482		4,954			6,314			14,989
Borrowings		3,298		2,335		2,703			2,596			1,202
Total Interest Expense		6,889		7,817		7,657			8,910			16,191
Net Int. Inc. Before Provision		8,378		15,406		9,591			9,962			8,251
Provision for Loan Losses		235		705		655			1,133			3,313
Non Interest Income		1,906		4,246		2,315			1,869			3,992
Non Interest Expense		5,703		11,234		9,783			10,165			14,340
Income Before Taxes		4,346		7,713		1,468			533			(5,410	)
Inc. Tax Provision/(Benefit)		658		972		(597	)		(2,345	)		642
Net Income	$	3,688	$	6,741	$	2,065		$	2,878		$	(6,052	)
Basic Earnings/(Loss) per Share	$	0.70	$	1.28	$	0.96		$	2.16		$	(4.54	)
Diluted Earnings/(Loss) per Share ( Dollars In Thousands, Except Per Share Data)	$	0.56	$	1.02	$	0.61		$	1.16		$	(4.54	)

Attractive Valuation

Attractive Valuation relative to California Peers:

	P/EPS			P/TBV
CA Banks*		18.0	x		293	%
PPBI Metrics*		13.1	x		159	%
PPBI Asset CAGR					23.3	%**
PPBI EPS CAGR					18.0	%**

*	As of 8/24/05
**	Since 3/31/2002

Industry Recognition

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Industry Recognition

•	Carpenter & Company 2004 Market Cap
	Champion - 3 yr. stock appreciation
•	US Banker – ranked 5th out of 200 publicly traded community banks – 3 yr. ROE

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