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  "documentTitle": "First Foundation | Investor Presentation Deck | 45 slides",
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  "presentationDate": "2024-01-01 00:00:00",
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  "notes": "The slide uses a side-by-side table format to contrast two distinct loan asset classes.",
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      "text": "High credit quality with consistently low LTVs for both multifamily and single-family loans and strong DSCR ratios on multifamily loans. Conservative underwriting to in-place rents and higher of market or actual vacancy and expenses. No multifamily charge-offs since FFB's creation in 2007. Strong single family borrower characteristics with high FICO scores and larger loan balances.",
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      "text": "1) Data as of December 31, 2023, unless otherwise noted. 2) Loan-to-Value (\"LTV\") at time of origination. 3) Debt Service Coverage Ratio (\"DSCR\") represents the actual fully amortizing DSCR based on the initial interest rate, loan amount and property's Net Operating Income (\"NOI\") at time of origination. 4) Median FICO based on the lowest median score of the borrowing entities associated with each loan at time of origination. FICO data at time of origination not available on ~6% of portfolio related to loans originated by acquired banks. 5) Excludes zero balance HELOCs.",
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      "text": "Multifamily Loan Characteristics(1) Average Loan Size $3.28 Million Average LTV(2) 54% Average DSCR(3) 1.42x % Delinquent 0.00% Single-Family Real Estate Loan Characteristics(1) Average Loan Size(5) $689 Thousand Average LTV(2) 49% Median FICO(4) 765 % Delinquent 0.07%",
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      "text": "Conservative Portfolio of Residential Loans",
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