About Pacific Trust Bank

Your Money Is Safe At Pacific Trust Bank

The recent widely reported difficulties of some major financial institutions have caused some depositors to be concerned about the safety of their own bank.

We are pleased to report that Pacific Trust Bank remains stable, secure and well-capitalized. As a depositor at Pacific Trust, you can rest easy because:

• All of your funds at Pacific Trust are safe because the Bank is well managed, well capitalized, and we are continuously subjected to independent audits and examinations to ensure that the Bank operates in a safe and sound manner.

• Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor by the Federal Deposit Insurance Corporation, an agency of the U.S. Government.

• Pacific Trust Bank's FDIC certificate number is 35498.

• In addition, your retirement accounts on deposit at Pacific Trust are separately insured up to an additional $250,000 by the FDIC. And, in its 75 year history, no one has ever lost a single penny of their FDIC-insured deposits.

• Depending on the name(s) in which your deposit accounts are held, you can effectively have far more than the new higher standard $250,000 of FDIC insurance coverage. We're experts at doing this, so please ask, and we can help you to maximize your FDIC insurance coverage for you and your family.

• For example, individual and joint accounts are insured separately.

  • So, if you have both types of accounts with us as well as IRA or other retirement accounts, your own personal total deposits can be insured up to $750,000; that's up to $250,000 in all of your individual accounts, and up to an additional $250,000 in all of your joint accounts, and up to another $250,000 for your retirement account funds.

  • Even greater amounts on deposit at Pacific Trust can be fully insured, if vested in revokable trust accounts or owned/vested by additional family members.

Safety is more than just FDIC Insurance -

Pacific Trust Bank Operates in a Safe & Sound Manner

Through conservative management practices and diligent oversight by our board of directors, auditors and regulatory examiners, your best interests are protected. Despite the current economic turmoil, Pacific Trust Bank remains safe and sound. Unlike those well-known troubled financial institutions:

• Pacific Trust does not make sub-prime mortgages.

• Pacific Trust does not have any highly-volatile, high-risk investments.

• Pacific Trust does not have any “intangible capital”, such as goodwill that may need to be written-off.

• Pacific Trust greatly exceeds all regulatory standards for being a “well-capitalized” financial institution.

As of June 30, 2009, our regulatory capital ratios are as follows: 

To further safeguard your funds in these uncertain times, Pacific Trust Bank is committed to continue to exceed well-capitalized minimum standards by maintaining Core Capital and Total Risk-Baed Capital ratios of 8.0% and 12.0% or greater, respectively.

You can learn more about Pacific Trust Bank's most recently reported financial condition at the FDIC Institution Directory report website. We are registered with the FDIC under the name Pacific Trust Bank, FSB.

And, on top of all that, our customers always get great rates, lower fees, and service so good it’s guaranteed.

That's why, "Pacific Trust Bank is the place to stash your cash!"

You can also review current financial reports of the Pacific Trust Bank's parent bank holding company, First PacTrust Bancorp, Inc., on its Investor Relations web site.