First Foundation Investor Presentation Deck
Attractive Noninterest Fee Income
$70
$60
$50
$40
$30
$20
$10
$0
$34.4
35:3
$4.3
■
$24.4
2018
Recurring (¹) Noninterest Income
($ in millions)
$68.4
10% CAGR
$40.6
$4.2
$7.7
$5.6
$23.1
2019
$54.2
$15.1
$9.6
$6.1
$23.4
2020
$21.5
$10.9
$7.6
$28.4
2021
■ Investment advisory fees
■ Loan and deposit fees
$50.5
$11.7
$9.8
$29.0
I
$26.0
$5.9
$4.5
$15.6
$22.5
$4.7
$3.7
$14.1
2022 2Q22 YTD 2Q23 YTD
■ Trust and consulting fees
■ Gain on sale of loans
Recurring(¹)Noninterest Income
Breakdown
2Q23 YTD
17%
21%
$22.5
Million
62%
■ Investment advisory fees ■ Trust and consulting fees
■ Loan and deposit fees
Proven ability to generate consistent noninterest recurring fee income.
Fee income diversifies First Foundation's operating revenue stream with 25% generated from recurring noninterest
income for 2Q23.
1) Recurring revenue includes all noninterest income excluding revenue in the "other" category.
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