Company:  PFF BANCORP INC
Form Type:  10-K
Filing Date:  6/19/2008 
CIK:  0001004969 
Address:  2058 N. MILLS AVENUE
#139
 
City, State, Zip:  CLAREMONT, California 91711 
Telephone:  909-941-5400 
Fiscal Year:  03/31 
Description of Business
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.
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  FORM 10-K
    PART I
      Item 1. Business
      Item 1A. Risk Factors.
      Item 1B. Unresolved Staff Comments.
      Item 2. Properties.
      Item 3. Legal Proceedings.
      Item 4. Submission of Matters to a Vote of Security Holders.
    PART II
      Item 5. Market for Registrant's Common Equity, Related ...
      Item 6. Selected Financial Data.
      Item 7. Management's Discussion and Analysis of Financial ...
        Results of Operations
        Liquidity and Capital Resources
      Item 7A. Quantitative and Qualitative Disclosures About ...
      Item 8. Financial Statements and Supplementary Data.
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        Notes to Consolidated Financial Statements
          BALANCE SHEET
        BENEFICIAL OWNERS
        Report of Independent Registered Public Accounting Firm
      Item 9. Changes in and Disagreements with Accountants on ...
      Item 9A. Controls and Procedures.
      Report of Independent Registered Public Accounting Firm
      Item 9B. Other Information.
    PART III
      Item 10. Directors, Executive Officers and Corporate Governance.
        NAME AND TITLE
      Item 11. Executive Compensation.
        COMPENSATION TABLE
      Item 12. Security Ownership of Certain Beneficial Owners and ...
        BENEFICIAL OWNERS
        BENEFICIAL OWNERS
      Item 13. Certain Relationships and Related Transactions, and ...
      Item 14. Principal Accountant Fees and Services.
    PART IV
      Item 15. Exhibits and Financial Statement Schedules.
    SIGNATURES
  EXHIBIT 23.1
    Consent of Independent Registered Public Accounting Firm
  EXHIBIT 31.1
    CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
  EXHIBIT 31.2
    CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
  EXHIBIT 32.1
    CERTIFICATION OF PRINCIPAL EXECUTIVE
  EXHIBIT 32.2
    CERTIFICATION OF PRINCIPAL FINANCIAL
BROKERAGE PARTNERS