Pacific Premier Bank

Pacific Premier Bank Locations
1600 Sunflower Avenue
Costa Mesa, CA 92626
(714) 881-0719
www.ppbi.com

Pacific Premier Bank is headquartered in Costa Mesa and is the 52nd largest bank in the state of California. It is also the 673rd largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 153 employees at 9 locations. Pacific Premier Bank has a 5-star health rating.

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2.25% 18-Month CD & 2.50% 24-Month CD at Pacific Premier Bank in Southern California - Local Only - 8/3/2009

Pacific Premier Bank is offering a couple of competitive CD rates. One is a 2.25% APY 18-month CD and the other is a 2.50% APY 24-month CD. Minimum deposit is $10,000. Lower rates are available for a $1,000 minimum. These rates are listed in the bank's...

4.05% 5-Month CD at Pacific Premier Bank in Southern California - 10/30/2008

Pacific Premier Bank continues to offer a competitive 5-month CD. The yield is 4.05% APY for a minimum deposit of $10,000 (3.80% for $1K minimum). This is slightly down from September, but it's still competitive. Please refer to the rate table (pdf) for...

4.10% 5-Month CD at Pacific Premier Bank in Southern California - 9/22/2008

Pacific Premier Bank continues to offer a competitive 5-month CD. The yield is 4.10% APY for a minimum deposit of $10,000 (3.85% for $1K minimum). Please refer to the rate table (pdf) for more details.In my last report on this credit union in August, it...

4.25% 9-Month / 4.05% 5-Month CD at a California Bank (Pacific Premier) - 8/20/2008

Pacific Premier Bank has some attractive short-term CD rates. These include a 4.05% APY on terms of 5 and 7 months, and a 4.25% APY on a 9-month term. The minimum deposit is $10,000. The rates are 25 basis points lower for a $1,000 minimum. Please refer...

2007



Data for Q1 2012


Institution Statistics


Pacific Premier Bank
FDIC Certificate #32172
BankRate ReportView
Year Established1983
Employees153
Primary RegulatorFED

Assets and Liabilities

Assets$980.68 million
Loans$687.14 million
Deposits$847.97 million
Equity Capital$94.90 million
Loan Loss Allowance$8.12 million
Unbacked Noncurrent Loans$3.18 million
Real Estate Owned$1.77 million

Historic Data - March 2011

Assets$951.74 million
Equity Capital$84.45 million
Loan Loss Allowance$8.88 million
Unbacked Noncurrent Loans$20.65 million
Real Estate Owned$10.51 million

Profit Margin - Quarterly

Net Interest Margin4.49%
Return on Assets1.18%
Return on Equity12.26%
Interest Income$12.20 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Pacific Premier Bank had $4.95 million in non-current loans and owned real-estate with $103.01 million in equity and loan loss allowances on hand to cover it. This gives Pacific Premier Bank a Texas Ratio of 4.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Pacific Premier Bank decreased significantly from 32.84% as of March 31, 2011 to 4.81% as of March 31, 2012, resulting in a positive change of 85.36%.This indicates that the balance sheet and financial strength for Pacific Premier Bank has improved significantly in recent periods.
Deposit Growth4
In the past year, Pacific Premier Bank has increased its total deposits by $13.16 million, resulting in 1.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pacific Premier Bank has shown is above average.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pacific Premier Bank has $980.68 million in assets with $103.01 million in equity, resulting in a capitalization level of 10.50%, which is above average.
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