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On the first day Citizens Financial started financing iPhones it made more new loans than any bank ever did on one day, the head of the company’s consumer lending said.

Rick Keller, chairman at First Foundation, Inc. in Irvine, Calif., discusses the company's recent initial public offering.

Scott Kavanaugh, CEO of First Foundation Bank in Irvine, Calif., talks about running a startup bank during the financial crisis. The drought in de novos will likely continue because of high compliance costs, he said.