Banc of California Revenue and Competitors

Pacific Trust Bank is a federally chartered stock savings bank, in continuous operation since 1941 as a profitable and successful community financial institution. The Bank currently operates nine office locations in the greater metropolitan areas of San Diego and Riverside counties, California. Effective July 14, 2003 Pacific Trust Bank opened its ninth office in the Rancho Bernardo area of San Diego at 16536 Bernardo Center Drive. On August 22, 2002, the Bank converted from a mutual to a stock charter and completed an Initial Public Offering, whereby the Bank became a wholly owned subsidiary of First PacTrust Bancorp, Inc. First PacTrust Bancorp is a unitary thrift holding company for Pacific Trust Bank (the Bank). The stock of the Bancorp is traded on the Nasdaq National Market under the trading symbol "FPTB".