First Pactrust Bancorp, Inc. - Earning & Dividend Analysis Snapshot

This detailed Report provides an Earnings and Dividends history for First Pactrust Bancorp, Inc.. Tabular results include up to a ten-year history of "as reported" Earnings per Share and Dividends per Share plus a calculation of the amount of earnings paid out over the year in dividends (i.e. Payout Ratio). Earnings and Dividends are presented on both a Quarterly and Annual basis. An annual Percent Change factor is calculated for both Earnings and Dividends.

First Pactrust Bancorp, Inc.. The Group's principal activity is to provide a variety of banking services. It provides a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market deposit and term certificate accounts and checking accounts. Its lending portfolio includes one-to four-family residential mortgage loans, construction loans, consumer loans and adjustable-rate mortgage loans. The consumer loans portfolio includes a variety of secured consumer loans including home equity lines of credit, new and used auto loans, boat and recreational vehicle loans and other loans secured by savings deposits. It operates through nine full service banking offices located in San Diego and Riverside counties in California. At 31-Dec-2008, it has six full service offices and three limited service offices.

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