Contact Info

Security Business Bank
701 B Street, Suite 100, San Diego, CA 92101
Phone (619) 237-4802
Fax (619) 237-4200
E-mail: sespino@securitybusinessbank.com

• Steve Espino, executive vice president, senior lending officer. Age: 47
  
  
• Date opened for business: September 2002
  
  
• Assets as of latest quarter: $117 million
  
  
• ROA: 2.26 percent annualized
  
  
• Core capital as percentage of assets: 14.59 percent
  
  
• Provision for loan losses: $1.2 million
  
  
• Plant the flag: Branches in Downtown San Diego, Carmel Valley, Carlsbad (late January opening). The bank recently opened a loan production office in Irvine.
  
  
• Employees: 26

Directors

• Paul F. Rodeno, president and CEO, Security Business Bank of San Diego
  
  
• Robert P. Keller, chairman of Security Business Bank of San Diego
  
  
• Gordon R. Carrier, president, CEO and owner of Carrier Johnson
  
  
• Greg M. Cody, private investor
  
  
• Dennis S. Cruzan, co-owner Cruzan Monroe
  
  
• Bruce A. Millimaki, CPA, Millimaki Eggert LLP
  
  
• Gail Stoorza-Gill, chairman & CEO, The Right Question LLC

Key personnel

Rodeno, Espino, Claire Fitzpatrick, executive v.p. and cashier; Michael J. Gilligan, senior v.p. and CFO; Gail Jensen-Bigknife, senior v.p. and chief credit officer; Chris J. Burr, senior v.p. of commercial lending; Catherine Niemann, senior v.p. of operations; Thomas E. Welch, senior v.p. of SBA lending; Brian J. Smith, senior v.p. of commercial lending; Kim Tronerud-Coy, v.p. of commercial lending; Dan Cabuco Jr, v.p. of commercial lending.

Niche or target customer

Small to mid-sized businesses and their owners. Lending limit is $2.7 million unsecured, $4.6 million secured.