First Foundation Investor Presentation Deck
Deposits
Loan to deposit ratio negatively impacted in Q1'23 due to dislocation in the banking industry mid-March 2023.
Loan to deposit ratio of 98% as of June 30, 2023.
Loan to deposit ratio of 93% as of July 20, 2023.
Deposit levels hit low point during Q1'23 and have risen $755 million since (as of June 30, 2023).
■
120%
100%
80%
60%
40%
20%
0%
95%
Loan / Deposit Ratio
93%
81%
78%
Loan/ Deposit Ratio
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104%
106%
YE 2018 YE 2019 YE 2020 YE 2021 YE 2022 Q1'23 Q2'23
98%
Average
Average 94%
12,000
10,000
8,000
6,000
4,000
2,000
0
10,363
1,879
1,020
2,158
2,569
2,737
Dec'22
Deposit by Type
($ in thousands)
11,047
10,602
2,016
1,050
2,202
2,668
2,666
Jan'23
Non-interest Bearing
■Money Market
CDs
2,271
1,074
2,238
2,743
2,721
Feb'23
10,052
2,306
1,049
1,949
2,364
2,263
Mar¹23
Interest Bearing
Savings
10,807
2,769
1,150
1,947
2,281
2,660
Jun¹23
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