Exhibit 99.1

Exhibit 99.1

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FBR 2006 Investor Conference
November 29, 2006

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 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

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%

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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

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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

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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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Loan Growth

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Deposit Growth

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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

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Business and CRE Growth

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

Diversify Loan Portfolio

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Loan Sales

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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%

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Phase 3

Transition Business Model

• Diversify Loan Portfolio

• Business Banking

Relationship Marketing

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Deposit Mix

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As of September 30, 2006
dollars in thousands

Deposit Mix

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Business Deposit Growth

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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

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Phase 3

Transition Business Model

• Diversify Loan Portfolio

• Relationship Banking

• Expansion of Branch Network

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Southern California Market

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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

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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

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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

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Asset Quality

NPA to Total Assets

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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

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PPBI Summary

• Transition to Commercial Bank

• Low Risk Balance Sheet

• On-going Expansion

• Excellent time to invest

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

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