First Foundation Investor Presentation Deck
Strong Credit Quality
1.00%
0.90% I
0.80% 1
0.70%
0.60%
0.50%
0.40% I
0.30% 0.21%
0.20%
0.10%
0.00%
0.29%
0.19%
0.09%
I
-0.01%
1)
2)
3)
4)
0.24%
YE 2018
0.55% I
0.20%
0.25%
YE 2019
Non-Performing Loans and Assets
2019
I
0.47% !
0.30%
0.39%
0.55% I
10.14%
2020
0.11%
YE 2020
YE 2021
■FFB NPAS/Assets ■FFB NPLs/Loans
Peer NPLs/Loans(1)(2)
Net Charge-offs (NCOs)/Average Loans
0.40% I
0.13% 0.10%
2021
Peer NCO Average, 0.09%
........
......
YE 2022
FFB NCO Average, 0.03%
2018
2Q23
FFB NCOS/Average Loans
Peer NCOS/Average Loans(1)(3)
FFB NCO Average
...... Peer NCO Average
UPBR peer group includes commercial banks with assets between $3 billion and $10 billion for data through 3Q21. Starting in 4Q21 peer group includes commercial banks with assets between $10 and $100 billion.
Ratio defined as Total loans and leases on nonaccrual status divided by total loans and leases.
Ratio defined as loan and lease charge-off, net of recoveries divided by average total loans and leases.
Peer group data based on the most recently available UBPR report of 1Q23.
FIRST FOUNDATION
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0.32% I
Peer Average 3.7x FFB
0.12% 0.09%
2022
2023
........
(4)
(4)
0.33%
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