财务指标 - 资产收益率为0.90%，股本收益率为5.76%，有形股本收益率为8.92%[4] - 普通股权一级资本充足率为15.89%，总资本充足率为19.01%[10] - 有形股本比率为11.41%[10] - 公司资本和流动性水平较强，为未来盈利增长提供了空间[8][9] - 公司及银行均达到监管资本充足率要求，银行被评为"资本充足"[70] - 资本充足率为12.4%[85] - 公司ROAE(年化)为8.11%[117] - 公司调整后ROAE(年化)为8.11%[117] - 公司ROATCE(年化)为12.66%[117] - 公司调整后ROATCE(年化)为12.66%[117] - 公司调整后扣除FDIC特殊评估的效率比为54.1%[124] - 公司有形股东权益比率为11.41%[128] - 公司每股有形净值为20.58美元[129] 资产质量 - 不良资产占总资产的0.28%，贷款逾期率为0.14%[6][10] - 贷款组合中商业房地产贷款占比较高，达到总贷款的68.1%[29] - 2024年6月30日不良贷款占贷款总额的0.42%，较2024年3月31日的0.49%有所下降[48] - 2024年6月30日不良资产占总资产的0.28%，较2024年3月31日的0.34%有所下降[47] - 房地产抵押贷款和商业贷款是不良贷款的主要来源[99][100][101] - 公司将继续关注资产质量，保持充足的拨备水平，确保资产质量稳定[96][97][98] 收益情况 - 公司第二季度净收入为4,190.5万美元，每股摊薄收益为0.43美元[3] - 净息差为3.26%，存款成本为1.73%，非定期存款成本为1.17%[12] - 公司在第二季度计提了130万美元的信用损失准备，较第一季度的390万美元有所下降[18] - 非利息收入为1820万美元，较第一季度下降760万美元，主要是由于上一季度有500万美元的债务清算收益以及托管费和CRA投资收入的下降[19][20] - 非利息支出为9760万美元，较第一季度下降510万美元，主要是由于法律和专业服务费用下降310万美元[21][22] - 第二季度所得税费用为1390万美元，有效税率为24.9%[23] - 公司总利息收入为2.08亿美元，较上年同期下降7.7%[88] - 公司总利息支出为7,166万美元，较上年同期增加21.1%[88] - 公司净利息收入在计提贷款损失准备后为1.35亿美元，较上年同期下降14.8%[88] - 公司非利息收入为1,822万美元，较上年同期下降11.3%[88] - 公司非利息支出为9,757万美元，较上年同期下降5.1%[88] - 公司税前净利润为5,578万美元，较上年同期下降28.9%[88] - 公司净利润为4,191万美元，较上年同期下降27.3%[88] - 公司每股基本和稀释收益分别为0.43美元和0.43美元[88] - 2024年第二季度调整后净收益为4179万美元[110,111,112] - 2024年第二季度调整后平均资产收益率为0.90%[112] - 2024年第二季度调整后平均有形普通股权益收益率为8.89%[115,116] - 2024年第一季度调整后净收益为4740万美元[110,111,112] - 2024年第一季度调整后平均资产收益率为1.00%[112] - 公司非定期存款成本为1.17%[133] - 公司非定期存款利息支出为3660.8万美元[131] - 公司非定期存款平均余额为125.68亿美元[132] 贷款和存款 - 第二季度贷款投放为1.507亿美元，存款总额下降主要受季节性因素影响[7] - 非计息存款占存款总额的31.6%[10] - 贷款余额为124.9亿美元，较上季度下降4.0%，主要是由于提前还款和到期以及信用额度使用下降[24][27] - 第二季度新增贷款承诺为1.51亿美元，新增贷款投放为5860万美元，较上季度有所增加[25][27] - 贷款占存款比率为85.4%，较上季度和上年同期有所下降[26][27] - 贷款加权平均利率为4.88%，较上季度和上年同期有所上升[32] - 2024年6月30日三个月期间贷款总额为1,506.66百万美元，较2023年6月30日的1,484.82百万美元有所增加[34] - 2024年6月30日贷款损失准备金为1.838亿美元，较2024年3月31日和2023年6月30日均有所下降[38] - 2024年第二季度净贷款核销1,053万美元，主要与出售次级非自用商业房地产和多户家庭贷款有关[39] - 存款总额为146.28亿美元，较2023年6月30日下降22.4%[56] - 存款加权平均成本为1.73%，较2023年6月30日上升0.46个百分点[57] - 非定期存款占存款总额的83.7%[62] - 无担保借款余额为5.32亿美元，较2023年6月30日下降599.4百万美元[65] 整体业绩 - 公司总体业绩表现良好，第二季度营收和利润均有所增长[96][97][98] - 贷款质量保持稳定，不良贷款率和拨备覆盖率处于合理水平[96][97][98] - 公司持续加强风险管控，对不良贷款采取积极的处置措施[99][100][101] - 2024年6月30日投资性房地产贷款总额为82.06亿美元[103] - 2024年6月30日

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission File Number 0-22193 (Exact name of registrant as specified in its charter) Delaware 33-0743196 (State or other jurisdiction of inc ...

Steve Gardner Ron Nicolas Disclosing the IP there. Yes. I don't have it off the top of my head, Matt. Ron Nicolas And then, Matt, the March NIM was down a few basis points from the average for the quarter, but not terribly material. It is where we came out. Matthew Clark Okay. And then just on the borrowing cost, you paid down $400 million of FHLB. I think some of those were at lower rates. Should we expect the borrowing - the cost of borrowings that rate to maybe increase here in Q2? Steve Gardner Well, I ...

Exhibit 99.1 Pacific Premier Bancorp, Inc. Announces First Quarter 2024 Financial Results and a Quarterly Cash Dividend of $0.33 Per Share First Quarter 2024 Summary Irvine, Calif., April 24, 2024 -- Pacific Premier Bancorp, Inc. (NASDAQ: PPBI) (the "Company" or "Pacific Premier"), the holding company of Pacific Premier Bank (the "Bank"), reported net income of $47.0 million, or $0.49 per diluted share, for the first quarter of 2024, compared with net loss of $135.4 million, or $1.44 per diluted share, for ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 Commission File No.: 0-22193 (Exact name of registrant as specified in its charter) Delaware 33-0743196 (State of Incorporation) (I.R.S. Employer Identification No) 17901 Von Karman Avenue, Suite 1200, Irvine, California 92614 (Address of Principal Executive Offices and Zip Code) Registrant's telephone number, ...

I mean on the funding side, yes, that's a possibility. Pacific Premier Bancorp, Inc. (NASDAQ:PPBI) Q4 2023 Earnings Conference Call January 29, 2024 12:00 PM ET Steve Gardner - Chairman and CEO Ron Nicolas - CFO David Feaster - Raymond James Chris McGratty - KBW Gary Tenner - D.A. Davidson Andrew Terrell - Stephens Adam Butler - Piper Sandler Good morning. And welcome to the Pacific Premier Bancorp Fourth Quarter 2023 Conference Call. All participants will be in listen only mode [Operator Instructions]. Ple ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission File Number 0-22193 (Exact name of registrant as specified in its charter) Delaware 33-0743196 (State or other jurisdiction of ...

Investor Presentation October 24, 2023 Ronald J. Nicolas, Jr. Sr. EVP & Chief Financial Officer rnicolas@ppbi.com 949-864-8000 Forward Looking Statements Third Quarter 2023 Steve Gardner Chairman, Chief Executive Officer, & President sgardner@ppbi.com 949-864-8000 PACIFIC PREMIER BANCORP, INC. FORWARD LOOKING STATEMENTS AND WHERE TO FIND MORE INFORMATION This investor presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the f ...

Yeah. There we go. Thereâs a mute button. Steve, if we stay in this higher for longer environment, as you described, I am interested in what you might be able to do on the expenses beyond what you have done? I mean, do you feel like you have to do more on the expenses to protect profitability? Steve Gardner Pacific Premier Bancorp, Inc. (NASDAQ:PPBI) Q3 2023 Earnings Conference Call October 24, 2023 12:00 PM ET David Feaster - Raymond James Matthew Clark - Piper Sandler Chris McGratty - KBW Gary Tenner - DA ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission File Number 0-22193 (Exact name of registrant as specified in its charter) Delaware 33-0743196 (State or other jurisdiction of inco ...