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 29, 2006

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 29, 2006, Pacific Premier Bancorp’s CEO, Steven R. Gardner, will be presenting at the Friedman Billings Ramsey 13th Annual Investor Conference at 2:55 pm EST.   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:  November 29, 2006	By:	/s/ STEVEN R. GARDNER
		Steven R. Gardner
		President and Chief Executive Officer

EX-99.1

Exhibit 99.1

Exhibit 99.1

[GRAPHIC APPEARS HERE]

FBR 2006 Investor Conference
November 29, 2006

Steven R. Gardner

President & CEO

WWW.PPBI.NET

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.

[GRAPHICS APPEAR HERE]

PPBI Overview

Southern California Community Bank

Data as of 9/30/06

•	NASDAQ National Market	PPBI
•	Assets	$712 million
•	Fully diluted shares	6,683,888
•	Fully diluted BV	$9.02
•	Annualized ROAA	1.19%
•	Annualized ROAE	15.16%

[GRAPHICS APPEAR HERE]

PPBI Overview

• Company History

• Transitioning business model

• Balance sheet strength

• Favorable relative valuation

Today’s Agenda

Three Phase

Strategic Business Plan

• Phase 1 – Recapitalize

• Phase 2 – Growth

• Phase 3 – Commercial Banking Model

[GRAPHICS APPEAR HERE]

Phase 1

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

[GRAPHICS APPEAR HERE]

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

[GRAPHICS APPEAR HERE]

Phase 2

• Loan growth - Multi-family focus

• Deposit growth – new products

• Foundation set for transition

[GRAPHICS APPEAR HERE]

Loan Growth

[CHART APPEARS HERE]

[GRAPHICS APPEAR HERE]

Deposit Growth

[CHART APPEARS HERE]

[GRAPHICS APPEAR HERE]

Phase 2

Completed 2004

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

[GRAPHICS APPEAR HERE]

Phase 3

Transition Business Model

• Diversify Loan Portfolio

[GRAPHICS APPEAR HERE]

Business and CRE Growth

[CHART APPEARS HERE]

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

Diversify Loan Portfolio

[CHARTS APPEAR HERE]

[GRAPHICS APPEAR HERE]

Loan Sales

[CHART APPEARS HERE]

[GRAPHICS APPEAR HERE]

Loan Sales

(dollars in thousands)

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%

[GRAPHICS APPEAR HERE]

Phase 3

Transition Business Model

• Diversify Loan Portfolio

• Business Banking

Relationship Marketing

[GRAPHICS APPEAR HERE]

[GRAPHICS APPEAR HERE]

Deposit Mix

[CHART APPEARS HERE]

As of September 30, 2006
dollars in thousands

Deposit Mix

[CHARTS APPEAR HERE]

[GRAPHICS APPEAR HERE]

Business Deposit Growth

[CHART APPEARS HERE]

 [GRAPHICS APPEAR HERE]

Relationship Growth

	12/31/ 2004	9/30/2006
No. Relationships	63	298
Loans	$45,143,000	$350,729,000
Deposits	$1,194,000	$31,728,000

 [GRAPHICS APPEAR HERE]

Phase 3

Transition Business Model

• Diversify Loan Portfolio

• Relationship Banking

• Expansion of Branch Network

 [GRAPHICS APPEAR HERE]

Southern California Market

[GRAPHIC APPEARS HERE]

California Market

It’s the Economy

California Market

Top 10 States by Population
06/30/2006 Population			Projected Population Change 2006-2011
Rank	State	(#)	Rank	(#)
1	California	37,236,136	1	2,978,891
2	Texas	23,786,899	2	2,607,044
3	New York	19,532,703	11	419,953
4	Florida	18,478,309	3	2,387,398
5	Illinois	13,092,172	8	658,536
6	Pennsylvania	12,590,137	23	242,990
7	Ohio	11,627,546	21	252,318
8	Michigan	10,317,569	19	287,860
9	Georgia	9,553,796	4	1,313,647
10	North Carolina	8,905,986	6	726,728

Source: SNL

California Market

Top 10 States by Household Income
Median Household Income			Projected Median Household Change
Rank	State	06/30/2006 ($)	Projected Growth	5 yr. Growth
*	Orange County	73,129	2	13,083
1	New Jersey	66,848	4	11,404
2	Connecticut	66,018	3	11,573
3	Maryland	64,637	5	11,299
4	Massachusetts	63,971	1	14,240
5	Alaska	61,797	14	10,153
6	New Hampshire	61,564	3	12,042
7	Minnesota	58,993	6	11,067
8	Hawaii	58,623	36	8,084
9	Colorado	58,522	10	10,552
10	California	57,776	18	9,793

Source: SNL

California Market

Top 10 Counties by Population
Population			Projected Population Change
Rank	County	06/30/2006 (#)	Rank	2006 - 2011 (#)
1	Los Angeles	10,157,124	2	470,275
2	Orange	3,085,070	5	192,817
3	San Diego	3,067,890	4	200,026
4	Riverside	2,018,889	1	522,892
5	San Bernardino	2,005,688	3	312,486
6	Santa Clara	1,753,027	15	48,208
7	Alameda	1,507,504	16	35,577
8	Sacramento	1,414,146	6	164,324
9	Contra Costa	1,045,952	11	77,191
10	Fresno	899,896	9	96,289
Source: SNL			* 58 Counties in California

Economic Strength

	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

Risk Management

Balance Sheet Strength

 [GRAPHICS APPEAR HERE]

Portfolio Characteristics

Multifamily
Loan to Value	63.07
Debt Coverage Ratio	1.33
Average Balance	$802,935
CRE Investor
Loan to Value	61.26
Debt Coverage Ratio	1.44
Average Balance	$1,071,845

No Construction Loan Exposure

 [GRAPHICS APPEAR HERE]

Asset Quality

Delinquent Loans to Total Assets *	Nationwide	California	PPBI **
Multi-Family	0.01%	0.01%	0.00%
Commercial RE	0.08%	0.10%	0.00%
Single Family	0. 37%	0.65%	0.12%

Source:  FDIC as of 6/30/06
*	Includes past due 30-89 day, 90+ days and accruing, and non-accruals.
**	PPBI as of 9/30/06

 [GRAPHICS APPEAR HERE]

Asset Quality

NPA to Total Assets

[CHART APPEARS HERE]

 [GRAPHICS APPEAR HERE]

Attractive Valuation

Valuation relative to California Peers:

	P/EPS	P/TBV
CA Banks*	14.86x	276%
PPBI Metrics*	10.4x	135%

*	As of 10/26/06
Source: SNL

 [GRAPHICS APPEAR HERE]

PPBI Summary

• Transition to Commercial Bank

• Low Risk Balance Sheet

• On-going Expansion

• Excellent time to invest

 [LOGO OF PACIFIC PREMIER BANCORP, INC.]

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

WWW.PPBI.NET