First PacTrust Bancorp, Inc.
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Income Statement
 2013 Y 2014 Y 2015 Y
Interest Income120,511188,139266,338
Interest Expense23,28232,86242,621
Net Interest Income97,229155,277223,717
FTE Net Interest IncomeNANANA
Provision for Loan Losses7,96310,9767,469
Trading Account Income000
Foreign Exchange IncomeNANANA
Trust Revenue000
Service Charges on Deposits1,9421,4904,057
Gain on Sale of Loans (FAS 140)8,70019,82837,211
Loan Fees & Charges2,0494,1992,974
Bank-owned Life Insurance Revenue1772241,076
Insurance Revenue001,111
Investment Banking & Brokerage37712,9049,868
Other Noninterest Income71,063105,353150,582
Total Noninterest Income84,308143,998206,879
Realized Gain on Securities (238) 494NA
Nonrecurring Revenue12,10445610,082
Compensation & Benefits110,687162,879213,114
Occupancy & Equipment19,66233,44341,405
Marketing and Promotion Expense4,3615,0166,156
Professional Fees13,86419,24720,193
Tech & Communications Expense4,7109,48312,679
Amrt of Intang & Goodwill Impair3,7124,1276,094
Foreclosure & Repo (367) (34) 15
Other Expense13,27917,72230,245
Total Noninterest Expense169,908251,883329,901
Nonrecurring Expense7,62410,9002,300
Pre-Provision Net Revenue11,62947,392100,695
Non-FTE Pre-Provision Net Revenue11,62947,392100,695
Net Income before Taxes7,90826,466104,266
Provision for Taxes7,992 (3,739) 42,194
Effective Tax Rate (%) 101.06(14.13)40.47
Min Int & Oth after-tax Items000
Extraordinary Items000
Net Income(84)30,20562,072
Net Income Attributable to Noncontrolling Int000
Net Income Attributable to Parent(84)30,20562,072
Preferred Dividends2,1853,6409,823
Other Preferred Dividends after Net Income000
Other Changes to Net Income0 (1,041) (2,023)
Net Income Avail to Common(2,269)25,52450,226
Net Income for Diluted EPS(2,269)25,52450,226
EPS after Extra ($) (0.15)0.901.34
EPS after Extra Growth (%) NMNM48.90
Pre-Provision Earnings per Share ($) 0.360.921.43
Comprehensive Income   
Net Income(84)30,20562,072
Preferred Dividend Adjustment to Comprehensive Inc000
Total Other Comprehensive Income (1,997) 973 (3,368)
Comprehensive Income(2,081)31,17858,704
Interest Income/ Expense Detail   
Interest Income Earned On:   
Interest Earned on Loans116,673180,761241,556
Int Inc: Securities2,6325,15820,263
Int Inc: Other Earn Assets1,2062,2204,519
Int Inc: Secs & Oth Earn Assets3,8387,37824,782
Int Inc: Total Earn Assets120,511188,139266,338
Interest Expense Incurred On:   
Int Exp: CDs4,1154,8735,753
Int Exp: Other Deposits11,93619,53820,030
Int Exp: Total Deposits16,05124,41125,783
Int Exp: Debt7,2318,45116,838
Int Exp: Total Int-bearing Liab23,28232,86242,621

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