First Foundation Investor Presentation Deck
Efficient Operating Platform
2.30%
2.05%
1.80%
1.55%
1.30%
1.05%
0.80%
3Q21
Noninterest Expense / Average Assets
4Q21
1Q22
(1)
First Foundation Total
FIRST FOUNDATION
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2Q22
4Q22
First Foundation Excluding customer service
1)
2)
3Q22
(1)
1Q23
108 bps A
2Q23
Bank Peer group
(2)
Leveraging its investments in personnel and technology, First Foundation has consistently lowered its noninterest
expense to average assets and is currently operating at a significant advantage to peers.
3Q23
Non-GAAP measure. See "Non-GAAP Financial Measures".
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 2Q23.
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