Pacific Mercantile Bancorp (PMBC) 2007年年度报告「NASDAQ」.pdf

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1、7 659695 A N N U A L R E P O R T A N D TDK 1 i /Lj i l l L J MERCANTILE Filings Services April 24,2008 SNL Financial,LC 1-800-969-4121 SERVING YOUR BUSINESS WITH FINANCIAL STRENGTH 450 NEWPORT CENTER DR.SUITE 1 DD NEWPORT BEACH,CA 92660 949-467-22DD 949 SOUTH DOAST DR.SUITE 1 D5 CDSTA MESA,DA 92626

2、714-43B-26DD 31 6D1 AVENIDA Las CERRITDS SUITE 1 DD S.J.CAPISTRAND,CA 92675 9 4 9-4 8 7-4 2 0 0 1 53D W.WHITTIER BLVD.SUITE B LA HABRA,CA 9D631 5 6 2-6 9 0-7 1 0 0 9720 WILSHIRE BLVD.SUITE 1 DO BEVERLY HILLS,CA 9021 2 3 1 0-8 6 0-3 0 0 0 21 1 E.OCEAN BLVD.SUITE 1 1 D LONG BEACH,CA 90802 5 6 2-9 8 3-

3、5 4 0 0 3257 EAST EUASTI RD.SUITE 1 l D ONTARIO,DA 91 761 9 0 9-9 3 7-7 2 6 0 4225 EXECUTIVE SQUARE SUITE 1 50 LA JOLLA,CA 92037 8 5 8-3 2 0-8 4 0 0 PACIFIC M E R C A N T I L E B A N K C D R P D R A T E H E A D Q U A R T E R S 9 4 9 S O U T H C O A S T D R I V E T H I R D F L D D R C D S T A M E S A

4、,CA B Z B Z B PHONE 7 1 4-4 3 B-2 5 D D M e m b e r FDI W W W.P M B A N K.C D M B 7 7-4 5 D-B A N K(8 7 V-4 5 D-2 2 S 5)NASDAQ-PMBC Message from the President:Pacific Mercantile Bank continued to grow last year,although at a slightly more modest rate than during the prior year.As the economy continu

5、ed to shift in year 2007 and began to slow down,we anticipated that change by restructuring our balance sheet.Recognizing that the residential market would continue to deteriorate,we continued to grow and strengthen our commercial loan portfolio all the while decreasing our mortgage and construction

6、 loan portfolio,especially in the single family unattached residential market,so that we would have minimal loans and exposure to credit risk.Remember also that we had the foresight to completely close down our wholesale mortgage division in 2005,thereby avoiding the financial problems plaguing the