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Pacific Trust Bank

Irvine, CA · Cert 35498

FDIC · 29 branches

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pacific Trust Bank

Irvine, CA · Cert 35498

FDIC · 29 branches

Q3 2023

$9.2BAssets
$7.0BLoans
$6.7BDeposits
$1.2BEquity
Loan mix
86%RE $4.6B12%C&I $0.6B1%Consumer $0.1BQ3 2022Q3 2023
Deposit mix
64%Interest-bearing $4.3B36%Noninterest $2.4BQ3 2022Q3 2023

NIM

3.45%Q3 ’213.79%Q3 ’224.86%Q3 ’23+11%-8%

Non-interest income vs. expense

2.03%Q3 ’211.99%Q3 ’222.16%Q3 ’23-4%-28%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2023 SOD (annual) · 1.0% share · #19 of 108 inst. · $6.7B of $695.5B

2.4% Orange
0.8% Los Angeles
0.1% San Diego
0.3% Santa Barbara

Executive Summary

  • Earnings: ROA of 1.29%, down 26 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.88% of loans (+28 bps YoY), with net charge-offs at 0.40%.
  • Capital: tier 1 leverage ratio of 12.46%, up 34 bps from a year ago.
  • Funding: loans stand at 104.19% of deposits as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

1.29%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-27 bps YoY

Efficiency Ratio (YTD, annualized)

52.31%-93 bps YoY

Tier 1 Leverage Ratio

12.46%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets1.55%1.42%0.99%0.95%1.29%-26 bps
Return on Equity12.10%11.06%7.98%7.64%10.23%-187 bps
Net Interest Margin3.50%3.59%3.33%3.16%3.23%-27 bps
Efficiency Ratio53.24%53.03%58.35%58.86%52.31%-93 bps
Non-Interest Burden1.74%1.78%1.81%1.75%1.26%-48 bps
Growth
Asset Growth (YoY)13.15%-2.08%4.74%-1.48%-1.30%-1,444 bps
Loan Growth (YoY)17.04%-1.87%-5.31%-4.01%-4.51%-2,154 bps
Deposit Growth (YoY)10.69%-5.19%-6.91%-8.71%-8.47%-1,916 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.78%0.80%0.94%0.88%+28 bps
Net Charge-Offs / Loans-0.59%-0.35%0.22%0.26%0.40%+99 bps
Allowance / Loans1.27%1.21%1.20%1.13%1.07%-20 bps
Allowance Coverage of NPLs2.1x1.6x1.5x1.2x1.2x-0.9x
Capital
Tier 1 Leverage Ratio12.12%12.25%12.14%11.56%12.46%+34 bps
Total Risk-Based Capital15.67%16.00%15.93%15.64%16.37%+70 bps
Equity / Assets12.77%12.97%11.83%12.40%13.15%+38 bps
Liquidity & Funding
Loans / Deposits99.87%99.62%101.02%103.43%104.19%+432 bps
Liquid Assets / Assets5.34%5.40%12.86%5.92%6.25%+90 bps
CRE / Total Capitaln/an/an/an/an/an/an/a