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Form Type:  10-K
Filing Date:  6/19/2008 
CIK:  0001004969 
Address:  2058 N. MILLS AVENUE
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.