We are a California based financial services company that provides a comprehensive
platform of personalized financial services to high net-worth individuals and
their families, family businesses and other affiliated organizations. We consider
high net-worth individuals to be individuals with net worth, excluding their
primary residence, of over $1.0 million. Our integrated platform provides investment
management, wealth planning, consulting, trust, banking products and services,
life insurance services and property and casualty insurance services to effectively
and efficiently meet the financial needs of our clients. We have also established
a lending platform that offers loans to individuals and entities that own and
operate multifamily residential and commercial real estate properties. In addition,
we provide business banking products and services to small to moderate-sized
businesses and professional firms, and consumer banking products and services
to individuals and families who would not be considered high net-worth.
Our strategy is focused on expanding our strong and stable client relationships
by delivering high quality, coordinated investment management, wealth planning,
consulting, trust and banking products and services. We are able to maintain
a client-focused approach by recruiting and retaining experienced and qualified
staff, including highly qualified relationship managers, bankers and financial
planners.
We intend to continue to grow our business by (i) cross-selling our services
among our wealth management and banking clients; (ii) obtaining new client referrals
from existing clients, attorney and accountant referral sources and through
referral agreements with asset custodial firms; (iii) marketing our services
directly to prospective new clients; (iv) adding experienced relationship managers
and bankers who may have established client relationships that we can serve;
(v) establishing de novo offices in select markets, both within and outside
our existing market areas; and (vi) making opportunistic acquisitions of complementary
businesses.
Our broad range of financial product and services are more consistent with
those offered by larger financial institutions, while our high level of personalized
service, accessibility and responsiveness to our clients are more typical of
the services offered by boutique investment management firms and community banks.
We believe this combination of an integrated platform of comprehensive financial
services and products and personalized and responsive service differentiates
us from many of our competitors and has contributed to the growth of our client
base and our business.
FFB is engaged in private and commercial banking, offering a broad range of
personal and business banking products and services and trust services to its
clients. Its banking services include a variety of deposit products, including
personal checking, savings and money market deposits and certificates of deposit,
single family real estate loans, and consumer loans. FFB also provides the convenience
of online and other personal banking services to its clients. FFB’s business
banking products and services include multifamily and commercial real estate
loans, commercial term loans and lines of credit, transaction and other deposit
accounts, online banking, mobile banking and enhanced business services. FFB
has also established a lending platform that offers loans to individuals and
entities who own and operate multifamily residential and commercial real estate
properties. In addition, FFB provides its products and services to individuals
and families who would not be considered high net-worth, small to moderate sized
businesses and professional firms. FFIS was established to provide life, property
and casualty agency insurance services as part of the platform of financial
products and services. FFIS provides insurance risk management solutions to
individuals, families and businesses.
Through FFB, we offer a wide range of loan products, deposit products, business
and personal banking services and trust services. Our loan products are designed
to meet the credit needs of our clients in a manner that, at the same time,
enables us to effectively manage the credit and interest rate risks inherent
in our lending activities.
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