| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net loss | -147,117 | -794 |
| Provision for credit losses - loans | 71,617 | 6,417 |
| Provision (reversal) for credit losses - securities afs | -139 | -66 |
| Stock-based compensation expense | 4,519 | 3,473 |
| Depreciation and amortization | 3,307 | 2,217 |
| Deferred tax benefit | -20,412 | -8,434 |
| Valuation allowance on deferred tax asset | 94,715 | - |
| Amortization of premium (discount) on securities | -3,491 | -1,855 |
| Amortization of core deposit intangible | 886 | 611 |
| Amortization of mortgage servicing rights - net | 3,804 | 3,284 |
| Loss (gain) on sale of loans | -10,405 | -10,405 |
| Gain on sale of securities available-for-sale | 5,930 | 4,702 |
| Loss (gain) from hedging activities | -7,110 | -7,110 |
| Change in fair value of lhfs | 20,142 | 15,403 |
| Amortization of oci - securities transfer to htm | 582 | 483 |
| Decrease in accrued interest receivable and other assets | -15,023 | -6,633 |
| (decrease) increase in accounts payable and other liabilities | -28,188 | -28,931 |
| Net cash (used in) provided by operating activities | -7,633 | -16,808 |
| Net decrease in loans | -658,773 | -399,346 |
| Proceeds from sale of loans | 806,919 | 806,919 |
| Purchase of premises and equipment | 3,007 | 2,387 |
| Disposals of premises and equipment | 86 | 86 |
| Purchases of securities afs | 1,023,518 | 703,278 |
| Proceeds from sale of securities available-for-sale | 668,515 | 470,940 |
| Maturities of securities afs | 136,973 | 85,519 |
| Maturities of securities htm | 63,303 | 47,378 |
| Impairment of securities afs | 3,361 | 3,416 |
| Net increase in fhlb stock | 5,747 | 12,208 |
| Net cash provided by (used in) investing activities | 1,298,936 | 1,088,899 |
| Decrease in deposits | 577,208 | 1,276,586 |
| Proceeds from fhlb & frb advances | 1,600,000 | 1,600,000 |
| Repayments on fhlb & frb advances | 1,600,000 | 1,350,000 |
| Net increase in subordinated debt | 47 | 31 |
| Net decrease in repurchase agreements | -3,306 | -6,054 |
| Proceeds from issuance of common stock | 1 | - |
| Net cash (used in) provided by financing activities | -580,466 | -1,032,609 |
| Increase (decrease) in cash and cash equivalents | 710,837 | 39,482 |
| Cash and cash equivalents at beginning of period | 1,016,132 | - |
| Cash and cash equivalents at end of period | 1,726,969 | - |
First Foundation Inc. (FFWM)
First Foundation Inc. (FFWM)