Pacific Coast National Bancorp is a bank holding company. Pacific Coast National Bank (the Bank) is a wholly owned subsidiary of Pacific Coast National Bancorp. The Bank is primarily in the business of taking deposits from and making loans to businesses and individuals throughout Orange and San Diego counties. The Bank’s primary source of revenue is interest income from loans to customers. The Bank offers a range of commercial and consumer banking services to small-to medium-sized businesses, independent single-family residential and commercial contractors, professional concerns and consumers. Lending services include commercial real estate, construction and development, commercial loans and to a lesser extent, consumer loans, including residential second mortgage loans. The Bank offers an array of deposit services, including demand deposits, regular savings accounts, money market accounts, certificates of deposit and individual retirement accounts.