UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 10-K/A
(Amendment No. 1)
x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
For the fiscal year ended December 31, 2014
OR
¨ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
For the transition period from to
Commission file number: 001-36461
FIRST FOUNDATION INC.
(Exact Name of Registrant as Specified in Its Charter)
California | 20-8639702 | |
(State or Other Jurisdiction of Incorporation or Organization) |
(I.R.S. Employer Identification No.) |
18101 Von Karman Avenue, Suite 700
Irvine, CA 92612
(Address of Principal Executive Offices, Zip code)
(949) 202-4160
(Registrants telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act: Common Stock, par value $0.001 per share.
Securities registered pursuant to Section 12(g) of the Act: None.
Indicate by check mark if the Registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ¨ No x
Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ¨ No x
Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes x No ¨
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of the registrants knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. x
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of large accelerated filer, accelerated filer and smaller reporting company in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer | ¨ | Accelerated filer | ¨ | |||
Non-accelerated filer | x | Smaller reporting company | ¨ |
Indicate by check mark whether the registrant is a shell company (as defined in Exchange Act Rule 12b-2). Yes ¨ No x
No market existed for registrants Common Stock on either the last day of the second quarter of fiscal 2014. Registrants shares were listed and commenced trading on the NASDAQ Global Stock Market on November 3, 2014.
As of June 30, 2015, a total of 8,785,533 shares of registrants Common Stock were outstanding.
DOCUMENT INCORPORATED BY REFERENCE
None.
EXPLANATORY NOTE
The purpose of this Annual Report on Form 10-K/A is to amend and restate the Index of Exhibits of First Foundation Inc.s Annual Report on Form 10-K for the year ended December 31, 2014, which was filed with the Securities and Exchange Commission (the SEC) on March 16, 2015 (the 2014 10-K), to include information previously inadvertently omitted.
Except as expressly stated herein, this Form 10-K/A does not reflect events occurring after the filing of the Form 10-K on March 16, 2014 and no attempt has been made in this Annual Report on Form 10-K/A to modify or update other disclosures as presented in the 2014 10-K. Accordingly, this Form 10-K/A should be read in conjunction with our filings with the SEC subsequent to the filing of the 2014 Form 10-K.
In addition, as required by Rule 12b-15 under the Securities Exchange Act of 1934, new certifications by our principal executive officer and principal financial officer are filed as exhibits to this Annual Report on Form 10-K/A.
Part IV
Item 15. Exhibits and Financial Statement Schedules
Item 15(b) (Exhibit) is hereby amended solely to amend and restate the Index of Exhibits attached to the 2014 Form 10-K to conform to the Index of Exhibits set forth below in this Annual Report on Form 10-K/A.
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
First Foundation Inc. | ||||||
Date: August 3, 2015 | By: | /s/ Scott F. Kavanaugh | ||||
Name: | Scott F. Kavanaugh | |||||
Title: | President and Chief Executive Officer |
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
Signature |
Title |
Date | ||
/s/ Scott F. Kavanaugh |
Chief Executive Officer and Director (Principal Executive Officer) |
August 3, 2015 | ||
Scott F. Kavanaugh | ||||
/s/ John M. Michel |
Chief Financial Officer (Principal Financial and Accounting Officer) |
August 3, 2015 | ||
John M. Michel |
Directors: |
Ulrich E. Keller, Jr. |
James Brakke |
Max Briggs |
Victoria Collins |
Warren D. Fix |
John Hakopian |
Gerald L. Larsen |
Mitchell M. Rosenberg |
Jacob Sonenshine |
By: | /s/ Scott F. Kavanaugh | |
Name: | Scott F. Kavanaugh | |
Title: | Attorney-In-Fact | |
Date: August 3, 2015 |
INDEX OF EXHIBITS
Exhibit |
Description | |
3.1 | Articles of Incorporation of the Company, as amended (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
3.2 | Amended and Restated Bylaws of the Company (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
4.1 | Specimen Certificate for Common Stock. | |
10.1(1) | First Foundation Inc. 2007 Equity Incentive Plan (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.2(1) | First Foundation Inc. 2007 Management Stock Incentive Plan (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.3(1) | Form of Director and Officer Indemnification Agreement (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.4(1) | Amended and Restated Employment Agreement, dated December 31, 2009, by and between the Company, First Foundation Advisors and Ulrich E. Keller, Jr., together with First and Second Amendments thereto (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.5(1) | Amended and Restated Employment Agreement, dated December 31, 2009, by and between the Company, First Foundation Bank and Scott F. Kavanaugh, together with First and Second Amendments thereto (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.6(1) | Amended and Restated Employment Agreement, dated December 31, 2009, by and between First Foundation Advisors and John Hakopian, together with First and Second Amendments thereto (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.7(1) | Change of Control Agreement, dated September 17, 2007, by and between the Company and Ulrich E. Keller, Jr. (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.8(1) | Change of Control Agreement, dated September 17, 2007, by and between the Company and Scott F. Kavanaugh (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.9(1) | Change of Control Agreement, dated September 17, 2007, by and between the Company and John Hakopian (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.10 | Agreement and Plan of Merger, as amended, by and among the Company, First Foundation Bank and Desert Commercial Bank, dated June 29, 2011, together with First, Second and Third Amendments thereto (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.11 | Earn-Out Agreement, dated August 15, 2012, entered into pursuant to the Agreement and Plan of Merger with Desert Commercial Bank, by and between the Company and Desert Commercial Bank (Incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). |
Exhibit |
Description | |
10.12 | Loan Agreement, dated April 19, 2013, by and between First Foundation Bank, as borrower, and NexBank SSB, as lender, together with the Companys Promissory Note and a Security Agreement entered into by the Company pursuant to the Loan Agreement (incorporated by reference to the same numbered Exhibit to the Companys Registration Statement on Form 10 filed on October 17, 2013). | |
10.13(1) | Amended and Restated Employment Agreement, dated December 31, 2009, by and between First Foundation Bank and Dave Rahn, together with First and Second Amendments thereto (incorporated by reference to Exhibit 10.13 to the Companys Annual Report on Form 10-K filed on March 25, 2014.) | |
10.14(1) | Amended and Restated Employment Agreement, dated December 31, 2009, by and between the Company, First Foundation Bank, First Foundation Advisors and John Michel, together with First and Second Amendments thereto (incorporated by reference to Exhibit 10.14 to the Companys Annual Report on Form 10-K filed on March 25, 2014). | |
10.15(1) | Change of Control Agreement, dated September 17, 2007, by and between the Company and Dave Rahn (incorporated by reference to Exhibit 10.15 to the Companys 10-K filed with the Commission on March 25, 2014). | |
10.16(1) | Change of Control Agreement, dated September 17, 2007, by and between Keller Financial Group (predecessor of the Company) and John Michel (incorporated by reference to the Exhibit 10.16 to the Companys Annual Report on Form 10-K filed on March 25, 2014). | |
10.17 | First Amendment to Loan Agreement with NexBank SSB (incorporated by reference to Exhibit 10.98 to the Companys Current Report on Form 8-K dated March 25, 2014, filed on March 27, 2014). | |
10.18 | Amended & Restated Promissory Note issued by the Company to NexBank SSB pursuant to the First Amendment to Loan Agreement (incorporated by reference to Exhibit 10.99 to the Companys Current Report on Form 8-K dated March 25, 2014, filed on March 27, 2014). | |
10.19 | Agreement and Plan of Merger, dated as of November 25, 2014, by and among the Company, First Foundation Bank and Pacific Rim Bank (incorporated by reference to Exhibit 2.1 to the Companys Current Report on Form 8-K dated November 25, 2014, filed on December 1, 2014). | |
10.20 | Second Amendment to Loan Agreement with NexBank (incorporated by reference to Exhibit 10.98 to the Companys Current Report on Form 8-K dated February 27, 2015, filed on March 3, 2015.) | |
10.21 | Second Amended & Restated Promissory Note issued to NexBank pursuant to the Second Amendment to Loan Agreement (incorporated by reference to Exhibit 10.99 to the Companys Current Report on Form 8-K dated February 27, 2015, filed on March 3, 2015). | |
14.1 | Code of Conduct for the Chief Executive Officer and Other Senior Financial Officers (incorporated by reference to the same numbered Exhibit to the Companys Annual Report on Form 10-K filed on March 25, 2014). | |
21.1 | Subsidiaries of the Registrant (incorporated by reference to the same numbered Exhibit to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
23.1 | Consent of Vavrinek, Trine, Day & Co., LLP, independent registered public accounting firm (incorporated by reference to the same numbered Exhibit to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
31.1 | Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (incorporated by reference to the same numbered Exhibit to the Companys Annual Report on Form 10-K filed on March 16, 2015). |
Exhibit |
Description | |
31.2 | Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (incorporated by reference to the same numbered Exhibit to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
31.3 | Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. | |
31.4 | Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002. | |
32.1(2) | Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (incorporated by reference to the same numbered Exhibit to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
32.2(2) | Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (incorporated by reference to the same numbered Exhibit to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
101.INS | XBRL Instance Document (incorporated by reference to Exhibit 101 to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
101.SCH | XBRL Taxonomy Extension Schema Linkbase Document (incorporated by reference to Exhibit 101 to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
101.CAL | XBRL Taxonomy Extension Calculation Linkbase Document (incorporated by reference to Exhibit 101 to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
101.DEF | XBRL Taxonomy Extension Definition Linkbase Document (incorporated by reference to Exhibit 101 to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
101.LAB | XBRL Taxonomy Extension Labels Linkbase Document (incorporated by reference to Exhibit 101 to the Companys Annual Report on Form 10-K filed on March 16, 2015). | |
101.PRE | XBRL Taxonomy Extension Presentation Linkbase Document (incorporated by reference to Exhibit 101 to the Companys Annual Report on Form 10-K filed on March 16, 2015). |
(1) | Management contract or compensatory plan. |
(2) | The certifications attached as Exhibit 32.1, and 32.2 accompanying this Annual Report on Form 10-K/A, are not deemed filed with the Securities and Exchange Commission and are not to be incorporated by reference into any filing of First Foundation Inc. under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, whether made before or after the date of this Annual Report on Form 10-K/A, irrespective of any general incorporation language contained in such filing. |
Exhibit 4.1
016570| 003590|127C|RESTRICTED||4|057-423 COMMON STOCK COMMON STOCK PAR VALUE $0.001 THIS CERTIFICATE IS TRANSFERABLE IN CANTON, MA AND NEW YORK, NY Certificate Shares Number * * 000000 ****** ZQ 000000 * **** * * 000000 000000 FIRST FOUNDATION INC. ***** ****** 000000* 000000* INCORPORATED UNDER THE LAWS OF THE STATE OF CALIFORNIA ** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David THIS CERTIFIES THAT Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample MR **** Mr. Alexander . SAMPLE David Sample **** Mr. Alexander David &Sample MRS **** Mr. Alexander . David SAMPLE Sample **** Mr. Alexander David & Sample **** Mr. CUSIP 320991 64 9 Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander MR. SAMPLE & MRS. SAMPLE SEE REVERSE FOR CERTAIN DEFINITIONS David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Alexander David Sample **** Mr. Sample **** Mr. Sample IS THE REGISTERED **000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares*** *000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares**** HOLDER OF 000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****0 00000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****00 ***ZERO HUNDRED THOUSAND 0000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****000 000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****0000 00**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares*** *000000**Shares****000000**Shares****00000 0**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****00 0000**Shares****000000**Shares****000000 **Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000 000**Shares****000000**Shares****000000* ZERO HUNDRED AND ZERO*** *Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares**** 000000**Shares****000000**Shares****000000** Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****000000**Shares****0 00000**Shares****000000**Shares****000000**S SHARES OF COMMON STOCK OF FIRST FOUNDATION INC. HEREINAFTER DESIGNATED THE CORPORATION, TRANSFERABLE ON THE SHARE REGISTER OF THE CORPORATION UPON SURRENDER OF THIS CERTIFICATE PROPERLY ENDORSED OR ASSIGNED. A STATEMENT OF ANY RIGHTS, PREFERENCES, PRIVILEGES OR ANY RESTRICTIONS ON THE SHARES OF STOCK OF THE CORPORATION AND UPON THE HOLDERS THEREOF MAY BE OBTAINED BY ANY SHAREHOLDER, UPON REQUEST AND WITHOUT CHARGE, AT THE PRINCIPAL OFFICE OF THE CORPORATION. WITNESS the signatures of its duly authorized officers. DATED <<Month Day, Year>> COUNTERSIGNED AND REGISTERED: COMPUTERSHARE TRUST COMPANY, N.A. Chief Executive Officer TRANSFER AGENT AND REGISTRAR, By Secretary AUTHORIZED SIGNATURE CUSIP XXXXXX XX X Holder ID XXXXXXXXXX First Foundation, Inc. Insurance Value 1,000,000.00 Number of Shares 123456 DTC 12345678 123456789012345 PO BOX 43004, Providence, RI 02940-3004 Certificate Numbers Num/No. Denom. Total MR A SAMPLE 1234567890/1234567890 1 1 1 DESIGNATION (IF ANY) 1234567890/1234567890 2 2 2 ADD 1 1234567890/1234567890 3 3 3 ADD 2 1234567890/1234567890 4 4 4 ADD 3 ADD 4 1234567890/1234567890 5 5 5 1234567890/1234567890 6 6 6 Total Transaction 7
FIRST FOUNDATION INC. The following abbreviations, when used in the inscription on the face of this certificate, shall be construed as though they were written out in full according to applicable laws or regulations: TEN COMas tenants in common UNIF GIFT MIN ACT -Custodian . (Cust) (Minor) TEN ENTas tenants by the entireties under Uniform Gifts to Minors Act (State) JT TENas joint tenants with right of survivorship UNIF TRF MIN ACT -Custodian (until age ) and not as tenants in common (Cust) .under Uniform Transfers to Minors Act (Minor) (State) Additional abbreviations may also be used though not in the above list. PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE For value received, hereby sell, assign and transfer unto (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING POSTAL ZIP CODE, OF ASSIGNEE) Shares represented by the within Certificate and do hereby irrevocably constitute and appoint Attorney to transfer the said shares on the share register of the within named Corporation with full power of substitution in the premises. Dated: 20 Signature(s) Guaranteed: Medallion Guarantee Stamp THE SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE GUARANTOR INSTITUTION (Banks, Stockbrokers, Savings and Loan Associations and Credit Unions) WITH MEMBERSHIP IN AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM, PURSUANT TO S.E.C. RULE 17Ad-15. Signature: Signature Notice: The signature to this assignment must correspond with the name as written upon the face of the certificate, in every particular, without alteration or enlargement, or any change whatever. The IRS requires that we report the cost basis of certain shares acquired after January 1, 2011. If your shares were covered by the legislation and you have sold or transferred the shares and requested a specific cost basis calculation method, we have processed as requested. If you did not specify a cost basis calculation method, we have defaulted to the first in, first out (FIFO) method. Please visit our website or consult your tax advisor if you need additional information about cost basis. If you do not keep in contact with us or do not have any activity in your account for the time periods specified by state law, your property could become subject to state unclaimed property laws and transferred to the appropriate state.
Exhibit 31.3
CERTIFICATIONS OF CHIEF EXECUTIVE OFFICER
UNDER
SECTION 302 OF THE SARBANES-OXLEY ACT
I, Scott F. Kavanaugh, certify that:
1. | I have reviewed this Annual Report on Form 10-K/A of First Foundation Inc. for the fiscal year ended December 31, 2014; |
2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; |
Dated: August 3, 2015
/S/ SCOTT F. KAVANAUGH |
Scott F. Kavanaugh |
Chief Executive Officer |
Exhibit 31.4
CERTIFICATIONS OF CHIEF FINANCIAL OFFICER
UNDER
SECTION 302 OF THE SARBANES-OXLEY ACT
I, John M. Michel, certify that:
1. | I have reviewed this Annual Report on Form 10-K/A of First Foundation Inc. for the fiscal year ended December 31, 2014; |
2. | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; |
Dated: August 3, 2015
/S/ JOHN M. MICHEL |
John M. Michel |
Executive Vice President and Chief Financial Officer |
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