PacificAmerica Money Center, Inc.
Ticker: PAMM 21031 Ventura Boulevard, Suite 102
Exchange: NASDAQ-National Market Woodland Hills, California 91364
Industry: Financial (818) 992-8999

Type of Shares:Common Shares Filing Date:3/1/96
U.S. Shares:763,661 Offer Date:6/24/96
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:763,661 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.65
Offering Amount: $7,636,610 Selling:
Expenses:$396,386 Reallowance:
Shares Out After: -

ManagerTierPhone
Friedman, Billings, Ramsey & Co., Inc.Lead Manager (703) 312-9500

Auditor: Ernst & Young
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/95 3/31/96 3/31/95 3/31/96
Revenue:$22.84$8.22$5.22Assets:$95.03
Net Income:-$1.70$0.28$0.21Liabilities:$86.02
EPS:Equity:$9.01

Note: Dollar amounts are in U.S. millions; Audited figures expressed as full year,
unaudited figures are partial year

Business Description
The company is a wholly owned subsidiary of Presidential Mortgage Company. Pursuant to a Restructuring Plan approved by the General Partner and the requisite vote of Limited Partners of Presidential, Presidential will transfer all of its assets and liabilities to the Corporation. From the date of its formation in 1981 until 1988, Presidential's sole business was the direct origination and servicing of real estate secured loans under California consumer and commercial finance lender licenses. In 1988, Presidential formed Pacific Thrift and Loan Company, a California Corporation, as a wholly-owned subsidiary of Presidential, to engage in the business of origination, purchase and sale of real estate secured loans under a California thrift and loan license.

Use of Proceeds
Proceeds from the proposed offering will be used to pay down a bank loan; to redeem a warrant for 2% of the common stock; to pay amount outstanding to former limited partners who are now creditors of the partnership; to pay the debt which the partnership anticipates will be owed by it to the General Partner by May 31, 1996; to pay amounts owed to certain limited partners of the partnership who elected the "cash out" option in connection with the restructuring plan; the balance of the proceeds used for working capital, which may be contributed from time to time as additional capital to Pacific Thrift and used to pay down a bank loan.

Last updated: 10/28/96

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