We are a diversified financial services company headquartered in Rancho
Cucamonga, California with consolidated assets of $4.10 billion, consolidated
net loans and leases of $3.70 billion, consolidated deposits of $3.20 billion
and consolidated stockholders� equity of $124.4 million as of March 31, 2008. We
conduct our business principally through our wholly-owned subsidiary, PFF Bank &
Trust (the �Bank�), an institution with $4.10 billion in assets, and 38 full
service banking branch offices located throughout Southern California.
Additionally, our business includes Glencrest Investment Advisors, Inc.
(�Glencrest�), a registered investment advisor that provides wealth management
and advisory services to high net worth individuals and businesses. In addition,
our business includes Diversified Builder Services, Inc. (�DBS�) a provider of
financing and consulting services to home builders and land developers.