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
FIRST FOUNDATION
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$7.6
$28.4
2021
■ Investment advisory fees
■Loan and deposit fees
$50.5
$11.7
$9.8
$29.0
I
I
$37.6
$8.6
$6.6
$22.5
$33.6
$7.0
$5.3
$21.3
2022 3Q22 YTD 3Q23 YTD
■ Trust and consulting fees
Gain on sale of loans
Recurring(¹)Noninterest Income
Breakdown
3Q23 YTD
16%
21%
$33.6
Million
63%
■ 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 17% generated from recurring noninterest
income for 3Q23.
1) Recurring revenue includes all noninterest income excluding revenue in the "other" category.
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