Topic Listing for First PacTrust Bancorp

Acontrols Procedures Active Trading Market Series Preferred Stock Not Develop
Advisory Non-binding Vote Executive Compensation Aggregated Option Exercises Last Year-end Values
Allowance Loan Losses Not Sufficient Cover Actual Required Amendment
Amendments Articles Incorporation Bylaws Change Amount Common Stock Control Charter Bylaws State Federal
Annual Meeting Shareholders Anti-takeover Provisions Negatively Impact Stockholders
Assets Liabilities Measured Recurring Non Basis Audit Committee
Base Salaries Beneficial Ownership Reporting Compliance
Benefits Board Committee Attendance Charters
Board Directors Meetings Committees Corporate Governance Matters Board Directors Recommend Vote Proposals
Board Meetings Independence Ethics Code Broker Non-votes Treated
Business Relationships Transactions Executive Officers Directors Related Persons Capital
Certain Relationships Related Transactions Certain Relationships Related Transactions Director Independence
Certification Certification 906 Sarbanes-oxley Act 2002
Certifications Change Vote After Submit Proxy
Changes Disagreements Accountants Accounting Financial Disclosure Changes Economic Conditions Particularly Further Slowdown California Hurt
Changes Registrants Certifying Accountant Changes Securities Proceeds Issuer Purchases Equity
Chula Vista Commitments
Committee Compensation Comparison Financial Condition 2004 2003
Comparison Financial Condition 2005 2004 Comparison Financial Condition 2006 2005
Comparison Financial Condition 2007 2006 Comparison Financial Condition 2008 2007
Comparison Operating Results 2003 2002 Comparison Operating Results 2004 2003
Comparison Operating Results 2005 2004 Comparison Operating Results 2006 2005
Comparison Operating Results 2007 2006 Comparison Operating Results 2008 2007
Comparison Operating Results 2009 2008 Compensation Committee
Compensation Committee Interlocks Insider Participation Compensation Committee Report Executive
Compensation Discussion Analysis Compensatory Arrangements Certain Officers
Competition Components Executive Compensation
Condensed Statements Income Consent Independent Registered Public Accounting Firm
Consumer Relief Initiative Borrowers Contents
Controls Procedures Conversion Stock Form Ownership
Critical Accounting Policies Current Levels Market Volatility Unprecedented
Date 2009 Earnings Departure Directors Principal Officers Election Appointment
Deposits Description 2005 Bonus Incentive Plan
Description 2006 Bonus Incentive Plan Description 2007 Bonus Incentive Plan
Description 2008 Bonus Incentive Plan Description 2009 Bonus Incentive Plan
Difficult Market Conditions Economic Trends Adversely Affected Industry Director Compensation
Director Fee Arrangements 2005 Director Fee Arrangements 2006
Director Fee Arrangements 2007 Director Fee Arrangements 2008
Director Fee Arrangements 2009 Directors Compensation
Directors Executive Officers Promoters Control Persons Compliance Exchange Directors Executive Officers Registrant
Dividend Policy Documents Incorporated Reference
Earnings Earnings Per Common Share
Economic Changes Adversely Affect Financial Condition Economic Conditions Deteriorate Results Operations Financial Condition Adversely
Economic Stimulus Act 2008 Housing Recovery Elect Compelled Seek Additional Capital Future Not Available
Emergency Economic Stabilization Act 2008 Employee Benefit Plans
Employee Stock Ownership Plan Esop Employees
Encounter Continuous Technological Change Industry Entitled Vote
Entry Material Definitive Agreement Exact Name Registrant Specified Charter
Executive Committee Executive Compensation
Executive Management Overview Executive Officers Not Directors
Explanatory Fair Values Financial Instruments
Federal Home Loan Bank Advances Federal Home Loan Bank System
Federal Reserve System Federal Securities Law
Federal Taxation Financial Statements Exhibits
Form 10-k Former Name Address Changed Since Last Report
Forward Looking Statements Forward-looking Statements
Future Filing Securities Act 1933 Amended Exchange 1934 Future Sales Additional Common Stock Preferred Other Dilution
General Guidance Loss Mitigation Strategies Servicers Residential Mortgages
Guidance Nontraditional Mortgage Product Risks Guidance Real Estate Concentrations
Guidance Subprime Mortgage Lending Held 2008
Held 2009 Held Wednesday 2005
Held Wednesday 2006 Held Wednesday 2007
Holders Series Preferred Stock Limited Voting Rights Impact Inflation
Income Taxes Independent Auditors
Index Index Exhibits
Individual Grants Information Systems Experience Interruption Breach Security
Initiatives Prompted Subprime Mortgage Crisis Insert Applicable
Insurance Accounts Regulation Fdic Interest Rate Sensitivity Net Portfolio Value Npv
Introduction Issuer Purchases Equity Securities
Legal Proceedings Limitations Dividends Other Capital Distributions
Liquidity Liquidity Commitments
Liquidity Risk Impair Ability Fund Operations Jeopardize Financial Loan Commitments Other Related Activities
Loan Portfolio Possesses Increased Risk Due Expansion Unseasoned Loan Portfolio Possesses Increased Risk Due Number Multi-family
Loan Portfolio Possesses Increased Risk Due Rapid Expansion Loan Portfolio Possesses Increased Risk Due Substantial Number
Loans Other Transactions Officers Directors Long Term Incentives
Managements Report Internal Control Managements Report Internal Control Over Financial Reporting
Market Registrants Common Equity Related Stockholder Matters Market Registrants Common Equity Related Stockholder Matters Issuer
Maturity Repricing Characteristics Assets Liabilities Mismatched Subject Interest Minimum Regulatory Capital Requirements
Name Person Filing Proxy Statement Other Registrant Named Executive Officer Salary Bonus Arrangements 2005
Named Executive Officer Salary Bonus Arrangements 2006 Named Executive Officers Salary Bonus Arrangements 2007
Named Executive Officers Salary Bonus Arrangements 2008 Nasdaq Market Index Savings Loan Industry
New Accounting Standards New Regulations Establishing Protections Consumers Residential Mortgage Market
Nominating Committee Nominees
Notes Consolidated Financial Statements Option Exercise Table
Option Grants Last End Values Options Exercises Stock Vested
Other Business Conducted Meeting Other Comprehensive Income
Other Comprehensive Income Loss Other Events
Other Information Other Matters
Other Tax Considerations Accounting Other-than- Temporary -impairment
Other-than-temporary-impairment Overview
Overview Director Compensation Procedures Pacific Trust Bank
Pactrust Bancorp Inc Parent Consolidated Financial Statements
Part Pending Legislation Regulatory Proposals
Post-employment Compensation Potential Termination Change-in-control Payments
Predecessor Deferred Compensation Plan 2006 Predecessor Deferred Compensation Plan 2007
Predecessor Deferred Compensation Plan 2008 Preferred Stock
Premises Equipment Prices Series Preferred Stock Common Fluctuate Significantly Make
Principal Accountant Fees Services Properties
Proxy Solicitation Costs Proxy Solicited Behalf Board Directors
Proxy Statement Pursuant Securities Exchange Act 1934 Qualified Thrift Lender Test
Quantitative Qualitative Disclosures Market Risk Recent Accounting Pronouncements
Recent Legislative Regulatory Initiatives Address Difficult Market Economic Recent Negative Developments Financial Industry Credit Markets Continue
Recognition Retention Plan Recognition Retention Plan 2003 Stock Option Incentive
Registered Public Accounting Firm Registrants Telephone Number Including Area Code
Registrants Telephone Number Including Area Code 619 691-1519 Regulated
Regulatory Capital Matters Regulatory Capital Requirements
Related Party Transactions Related-party Transactions
Rely Dividends Bank Substantially Revenue Report Audit Committee
Report Compensation Committee Report Independent Registered Public Accounting Firm
Report Independent Registered Public Accounting Firm Internal Control Resolved
Restricted Stock Results Operations Financial Condition
Rising Interest Rates Hurt Profits Risk Factors
Risks Relating Pactrust Risks Relating Series Preferred Stock Common
Safe Harbor Statement Private Securities Litigation Reform Act Securities Exchange Act 1934
Securities Purchase Agreement Between Treasury Limits Ability Pay Security Ownership Certain Beneficial Owners Management Related Stockholder
Series Preferred Stock Impacts Net Income Available Common Series Preferred Stock Junior Rights Preferences Future
Shareholder Proposals Annual Meeting 2005 Shareholder Proposals Annual Meeting 2006
Shareholder Proposals Annual Meeting 2007 Shareholder Return Performance Presentation
Shares Present Hold Meeting Signatures
State Taxation Statement Filing Securities Act 1933 Exchange 1934 Except
Stock Options Stockholder Meeting Held 2009
Strong Competition Within Market Area Limit Growth Profitability Subject Extensive Government Regulation Supervision
Submission Matters Vote Security Holders Subsidiary Other Activities
Table Contents Taxation
Temporary Liquidity Guaranty Program Terms Expiring 2009 Annual Meeting
Terms Expiring 2010 Annual Meeting Terms Expiring 2011 Annual Meeting
Terms Expiring 2012 Annual Meeting Title Class
Top Form Unable Redeem Series Preferred Stock After Cost Capital
United States Vote
Votes Required Approve Proposal Executive Compensation Votes Required Elect Director Nominees
Voting Limitation Provision Charter Limit Rights Holder Common Was Adversely Impacted 86000 98000 Loss Cra Housing
Was Adversely Impacted 89000 259000 Loss Cra Housing Was Adversely Impacted 89000 86000 Loss Cra Housing
Was Adversely Impacted 99000 Loss Cra Housing Investment Washington 20549
What Happens Nominee Unable Stand Election What Not Specify Shares Voted
What Purpose Annual Meeting What Quorum Not Present Meeting
What Shares Held Employee Stock Ownership Plan What Shares Held Street Name Broker
Witness Whereof 
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