First Foundation Investor Presentation Deck
Efficient Operating Platform
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2.55%
2.30%
2.05%
1.80%
1.55%
1.30%
1.05%
0.80%
2Q21
3Q21
Noninterest Expense / Average Assets
4Q21
FFB Total(1)
1Q22
2Q22
FFB Excluding customer service(1)
3Q22
FIRST FOUNDATION
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4Q22
Bank Peer group(2)
1Q23
115 bps A
Levering its investments in personnel and technology, FFB has consistently lowered its noninterest expense to
average assets and is currently operating at a significant advantage to peers.
2Q23
1) Non-GAAP measure. See "Non-GAAP Financial Measures".
2) Uniform Bank Performance Report ("UBPR") 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. Peer group data based on the most recently available UBPR report of 1Q23.
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