Beverly Hills Bancorp Inc. (BHBC), is a financial holding company that conducts banking and lending operations in southern California and surrounding states through its bank subsidiary, First Bank of Beverly Hills, (FBBH or the Bank). The Bank is a commercial bank. The Company is principally a real estate lender focusing on permanent and construction loans for commercial and multi-family properties in California and other western states. In addition, the Company invests in AAA-rated and government-sponsored enterprise (GSE) mortgage-backed securities. The Company�s primary sources of funding are deposits, Federal Home Loan Bank (FHLB) advances.