First Foundation Bank

First Foundation Bank is headquartered in Irvine and is the 64^th largest bank in the state of California. It is also the 972^nd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 71 employees at 3 locations. First Foundation Bank has a 5-star health rating.

First Foundation Bank Routing Number: 122287581

Data for Q1 2012

Institution Statistics First Foundation Bank OTS # 18049 FDIC Certificate # 58647 BankRate Report View Year Established 2007 Employees 71 Primary Regulator OCC Assets and Liabilities Assets $678.09 million Loans $543.35 million Deposits $438.07 million Equity Capital $45.55 million Loan Loss Allowance $6.88 million Unbacked Noncurrent Loans $2.36 million Historic Data - March 2011 Assets $456.22 million Equity Capital $35.36 million Loan Loss Allowance $4.69 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.96% Return on Equity 13.17% Interest Income $6.78 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Foundation Bank had $2.36 million in non-current loans and owned real-estate with $52.42 million in equity and loan loss allowances on hand to cover it. This gives First Foundation Bank a Texas Ratio of 4.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, First Foundation Bank has increased its total deposits by $120.53 million, resulting in 37.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Foundation Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Foundation Bank has $678.09 million in assets with $52.42 million in equity, resulting in a capitalization level of 7.73%, which is below average.

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