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 30, 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 November 30, 2005 Pacific Premier Bancorp, Inc. President and CEO, Steven R. Gardner, will be presenting at the Friedman Billings Ramsey (“FBR”) 12th Annual Investor Conference at 2:00 pm EST.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

A copy of PPBI’s slide presentation as presented at the Friedman Billings Ramsey (“FBR”) 12th Annual Investor Conference on Wednesday, November 30, 2005, is attached hereto as Exhibit 99.1 and hereby incorporated by reference.

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 30, 2005	By:	/s/ STEVEN R. GARDNER
		Steven R. Gardner
		President and Chief Executive Officer

EX-99.1

Exhibit 99.1

[LOGO OF PACIFIC PREMIER BANCORP, INC.]

FBR Investor Conference
November 30, 2005

Steven R. Gardner
President & CEO

WWW.PPBI.NET

TEAMWORK

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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.

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PPBI Overview

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Southern California Community Bank

Data as of 9/30/05

•	NASDAQ National Market	PPBI
•	Assets	$663 million
•	Fully diluted shares	6,650,164
•	Fully diluted BV	$7.86
•	Annualized ROAA	1.17%
•	Annualized ROAE	15.01%

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PPBI Overview

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• Transitioning business model

• Balance Sheet strength, low-risk

• Proven track record of earnings growth

• Favorable relative valuation

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Today’s Agenda

Three Phase

Strategic Business Plan

• Phase 1 – Risk Reduction

• Phase 2 – Growth

• Phase 3 – Transition business model

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Phase 1

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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

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Phase 1

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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

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• Loan growth – Multi-family focus

• Re-staff depository branches

• Foundation set for transition

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Loan Growth

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[CHART APPEARS HERE]

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Deposit Growth

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[CHART APPEARS HERE]

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Phase 2

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Completed 2004

•	Assets	$543 million
•	Loans	$472 million
•	Secondary Offering	$26 million
•	Note retired
•	Stage set for further growth

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Southern California Market

It’s the Economy

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Economic Strength

	Orange Cnty			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

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Market Strength

	OC			So. Cal.
Total Deposits	$	64 Billion		$	385 Billion
Deposit Growth Rate		13.7	%		11.7	%
Population		3,000,000			21,900,000
Population Growth		4.96	%		6.56	%
Median Household Income	$	64,611		$	51,212
No. of Households		936,000			6,825,000

Sources: Dataplace, Rueters, State of California

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Risk Management

Balance Sheet Strength

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Asset Quality

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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
*	PPBI Single Family at 0.22% as of 9/30/05

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NPA’s to Total Assets

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[CHART APPEARS HERE]

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Loan Characteristics

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Multifamily
Loan to Value	65.06
Debt Coverage Ratio	1.26
Average Balance	$738,372
ARM/3-yr fixed	66%/25%
Commercial RE
Loan to Value	63.37
Debt Coverage Ratio	1.37
Average Balance	$1,043,680
ARM/ 3-yr fixed	68%/23%

Data as of September 30, 2005

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Phase 3

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Transition Business Model

• Diversification of Balance Sheet

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Diversification

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[CHART APPEARS HERE]

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Commercial RE Growth

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[CHART APPEARS HERE]

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Deposit Mix

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[CHART APPEARS HERE]

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Phase 3

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Transition Business Model

• Diversification of Balance Sheet

• Relationship Banking

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Relationship Marketing

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Relationship Marketing

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Business Deposit Growth

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[CHART APPEARS HERE]

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Relationship Growth

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	9/30/2004		9/30/2005
No. Relationships		28		167
Loans	$	29,874,000	$	206,998,000
Deposits	$	969,000	$	17,234,000

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Pretax Income Growth

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[CHART APPEARS HERE]

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Phase 3

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Transition Business Model

• Diversification of Balance Sheet

• Relationship Banking

• Expansion of Branch Network

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Southern California Market

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Southern California Market

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Continued Growth

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	Opening		Deposits		5 Year CAGR
Cypress		2006 Q2		877,249,000		9.1	%
Newport Beach		2006 Q2		6,955,902,000		21.2	%
Costa Mesa		2006 Q1		4,892,500,000		5.4	%

* Source:  FDIC, as of June 30, 2005.  Includes surrounding communities.

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Attractive Valuation

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Valuation relative to California Peers:

	P/EPS			P/TBV
CA Banks*		17.3	x		294	%
PPBI Metrics*		12.0	x		145	%
PPBI Asset CAGR					30.9	%**
PPBI EPS CAGR					17.7	%**

*   As of 10/13/05

** Since 3/31/2002

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PPBI Summary

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• Transition to Commercial Bank model

• Low Risk Balance Sheet

• Sustainable earnings growth

• Excellent time to invest

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 [LOGO OF PACIFIC PREMIER BANCORP, INC.]

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

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