About 1st Capital Bank

Board of Directors | Executive Officers | Business Plan | Products & Services | Contact Us

Company Profile

1st Capital Bank is a locally owned bank headquartered at Ryan Ranch in Monterey, California. The bank provides banking services such as deposit, cash management, and credit products, to small and midmarket businesses, service professionals, commercial property owners, and residents throughout Monterey County.

In addition to the Ryan Ranch headquarters, the bank has branch offices in Old Monterey and downtown Salinas. The locations are:

Salinas 1097 South Main Street Salinas, CA (831) 540-4080	Monterey 470 Tyler Street Monterey, CA (831) 264-4070

King City 432 Broadway Street King City CA 93930 (831) 385-8900

With its board of directors and experienced management team, 1st Capital Bank offers its customers the accessibility and individualized services that are the focus of the bank’s mission statement, vision statement and business plan.

MISSION STATEMENT

Through caring, integrity, and unrivaled service, 1st Capital Bank exists to promote the financial health and well-being of our customers and community.

VISION STATEMENT

Our vision is to become our customers’ bank for life, a trusted friend and partner. Through a commitment to financial education, innovation and community service, 1st Capital Bank intends to become the premier local bank.

BOARD OF DIRECTORS

The board of directors of 1st Capital Bank is a group of experienced local bankers and business people with a wide range of professional backgrounds. Their deep roots in Monterey County, along with extensive banking experience, inspired the creation of a community bank dedicated to improving the financial health of Monterey County primarily through the bank’s focus on lending and service to the local communities.

	Susan C. Freeland Susan C. Freeland of Monterey, California, is currently a broker associate in the Carmel office of Sotheby’s International Realty. Ms. Freeland has served as marketing officer for Colorado Exchange National Bank in Colorado Springs and as vice president and manager for trust and investment services of Bank of America and 1st National Bank in Monterey. She is president of the Rotary Club of Monterey, chair of the Planned Giving Council for California State University, Monterey Bay, and a member of the California and Monterey County Bar Associations.
	Alfred P. Glover Alfred P. Glover of Seaside, California, has served as the owner and president of Glover Rockwell Construction/Development Company since 1976. He was a founding director of Bank of Salinas, serving as chairman of the board and of the audit committee, and was later a director and chairman of the audit committee for Bank of Salinas. Mr. Glover is a retired U.S. Army Colonel and has received numerous awards for valor and service, including the Silver Star and three Meritorious Service medals.
	Kurt Gollnick, Chairman of the Board Kurt Gollnick of Salinas, California, is the senior vice president and chief operating officer of Scheid Vineyards Inc. Mr. Gollnick has served as president of the Central Coast and Monterey Grape Growers Associations, and in 2004-2005 was the first chairman of the Grower-Shipper Association of Central California from outside the vegetable industry in the organization’s 75-year history.
	Daniel R. Hightower, MD Daniel R. Hightower, MD, of Carmel, California, is the chief of the Department of Radiology for Community Hospital of the Monterey Peninsula, medical director of the Community Imaging Center, and assistant clinical professor for the Department of Radiology for the University of California, San Francisco. He is the president of the Monterey Peninsula Radiological Medical Group, and director of the Monterey County Medical Society. Dr. Hightower is also the past president and a current trustee of the Carmel Unified School District Board of Education.
	C. Edward Holden C. Edward Holden of Monterey, California, has over 30 years of banking experience with numerous senior positions held during the past 20 years, including chief executive officer and president, at both large and small financial institutions. He has significant experience in all aspects of banking, including commercial banking, retail banking, asset-based finance, and leasing. Mr. Holden has served as president, CEO and vice chairman of Monterey Bay Bank, and executive vice president, senior lending officer at the Pacific Bank, San Francisco.
	Edward G. Hoyt, Jr. Edward G. Hoyt, Jr. of Pebble Beach, California, is a 35-year broadcasting industry veteran with extensive experience as an owner/operator of radio stations throughout California. Mr. Hoyt is a REALTOR® affiliated with Keller Williams Realty in Carmel, and is actively involved in real estate investment and development in Monterey County. He is a member of the Monterey County Association of REALTORS®, Monterey Peninsula Chamber of Commerce, and Carmel Chamber of Commerce.
	McKenzie Moss McKenzie Moss of Carmel, California, currently serves as the chairman of the board of Pan Pacific Bank, a Fremont-based bank established in 2005. From 1996 to 2003, Mr. Moss was a director and chairman of the board for Monterey Bay Bank, a $600 million bank based in Watsonville, California. Mr. Moss has 38 years of banking experience including 30 years as a bank executive and another eight years as a bank director. Since 1992, has served as an adjunct lecturer of finance for Golden Gate University.
	Francis H. Rianda Francis H. Rianda of Gonzales, California, is a partner in R. C. Farms, an agriculture company with 10,000 crop acres in production in the Salinas and San Joaquin Valleys and in Yuma, Arizona. He is a partner in Gonzales Irrigation Systems with outlets in Gonzales and King City, and owner of Coastal Tractor dealerships with outlets in Gilroy, King City, and Paso Robles. Mr. Rianda is active with the Gonzales Young Farmers Organization and is an elected member of the rural fire board. Mr. Rianda was a founder of Cypress Coast Bank in Seaside, California.
	Greg Thelen Greg Thelen of Carmel, California, is a certified public accountant and partner at the accounting firm of Thelen and Chang, LLP. He has lived in Monterey County for over 48 years. He worked for Deloitte and Touche from 1978 to 1998 before opening his own accounting practices. Mr. Thelen is a current board member for the CPE Forum of the Central Coast, an organization that provides continuing professional education to CPAs and attorneys. He has served on the board of several community organizations, including Sportsfest and the Kinship Center.
	F. Warren Wayland F. Warren Wayland of Salinas, California, co-founded the firm Hayashi & Wayland and is currently the Managing Partner. Wayland has over thirty–eight years of diversified tax, audit and business–consulting experience serving major clients in several industries, especially the agriculture industry. He earned his degrees at the University of California, Davis. He is a member of the American Institute of Certified Public Accountants and the California Society of Certified Public Accountants. He is currently serving as Chairman of the Board of the Salinas Girls Fast Pitch, Inc.

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EXECUTIVE OFFICERS

The executive officers of 1st Capital Bank have more than 100 years of collective banking experience, much of that in Monterey County. As trusted financial leaders, they strive to fulfill all the financial needs of their customers. Together, their goal is to make 1st Capital Bank the premier local bank.

	C. Fred Rowden, President & Chief Executive Officer C. Fred Rowden of Salinas, California, has more than 40 years of experience in banking, including 16 years in the Monterey area and 19 years as the president of four commercial banks. Most recently, Mr. Rowden was the president and CEO of Central California Bank, where he oversaw the bank's growth over six years, leading it from $27 million in assets and three branches to $420 million in assets and 15 branches. Prior to joining Central California Bank, Mr. Rowden held similar positions at East County Bank in Antioch, Cypress Coast Bank in Seaside and Monterey County Bank, orchestrating growth and safe and sound operations in each.
	Jayme C. Fields, Executive Vice President Financial Officer Jayme C. Fields of Monterey, California, is a CPA with over 17 years of banking and accounting experience. She served as controller (1996-2005) and chief financial officer (2005-2006) of Community Bank of Central California (now Rabobank), where she implemented a board of director deferred compensation plan and a stock repurchase plan, as well as listing the company stock on NASDAQ. From 1989 to 1996, Ms. Fields was employed as audit staff then audit manager by Deloitte & Touche in Salinas. Prior to that she served as audit staff at Arthur Young in Walnut Creek and at Diehl Evans & Company in Santa Ana. Ms. Fields is member of American Institute of Certified Public Accountants, and serves her community as a board member of United Way Salinas Valley and a representative for the Neighborhood Improvement Program of the City of Monterey.
	Geoffrey M. Loftus, Executive Vice President Credit Officer Geoffrey M. Loftus of Carmel Valley, California, has a 30-year banking career focused in credit origination and administration. Mr. Loftus was most recently senior vice president and chief lending officer of Central California Bank, a $420 million 15-branch bank, which was acquired by Umpqua. Mr. Loftus began his career as a loan officer in 1975 with Monterey Savings and Loan Association, where he was promoted to vice president and manager of the Santa Cruz branch. He joined First National Bank of Central California in 1986 as vice president of lending, where he managed large commercial real estate credits and helped design real estate appraisal review and evaluation programs. In 1996, Mr. Loftus joined Community Bank of Central California as first vice president and loan team leader.
	Daniel L. Walls, Executive Vice President Lending Officer Daniel L. Walls of Salinas, California, was most recently the first vice president and senior credit officer of Community Bank of Central California. From 1992 to 1996, Mr. Walls served as the bank's vice president, commercial lending, responsible for developing new commercial loans totaling $200 million. Over his 20-year career in banking, Mr. Walls has acquired comprehensive knowledge of commercial/consumer lending policies, procedures, and regulatory requirements, and a solid understanding of credit risk, loss exposure, and interest rate sensitivity. Mr. Walls started his banking career at First Interstate Bank in 1986, serving first as financial service manager and later as personal banking officer. He was the assistant vice president, commercial lender for Mitsui Bank in Beverly Hills from 1990 to 1992. Mr. Walls serves on the board of directors of Palma High School and is past board member of F.O.O.D. Crops.
	Marilyn Goode, Executive Vice President Administrative Officer Prior to joining 1st Capital Bank, Ms. Goode served as Senior Vice-President and Chief Administrative Officer from 2002 to 2006 with Central California Bank, a $400 million community bank headquartered in Sonora, California, which was acquired in 2006 by Umpqua Bank where she held the title of Senior Vice President and Regional Manager, until joining 1st Capital Bank in July 2007. Ms. Goode’s banking career spans 40 years, the last 20 in senior management positions.

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BUSINESS PLAN

1st Capital Bank operates as a community business bank with a headquarters office at the Ryan Ranch business park in Monterey County, California. Retail branches are located in the cities of Monterey and Salinas. The bank provides banking services such as deposit, cash management, and credit products to small and mid-market businesses, service professionals, commercial property owners, and residents throughout Monterey County.

The bank’s local shareholder base is critical to its success, as local investors are more likely to become depositors and borrowers of 1st Capital Bank. The reputation and following of the executive management team, its vision to support the local business community, and customer referrals from the diverse board of directors, organizers and founders help generate the volumes of interest-earning assets and interest and non-interest-bearing liabilities needed to achieve the growth objectives of the bank.

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PRODUCTS & SERVICES

Depository Products & Services

The bank utilizes its technology platform to support deposit, checking and cash management services, as well as the commercial transactions of its business depositors..

1st Capital Bank offers:

ACH transactions
Account analysis
Attorney/client trust accounts
Checking and savings accounts
Merchant services
Interest checking accounts
Certificates of deposit
Medical and educational savings accounts
Retirement accounts
Cash management services
Electronic bill presentment and payment
Check orders for customers
Customer service inquiries
Overdraft protection
Point of sale check conversion
Statement of account
Stop payment
Telephone and wire transfers

Credit Products & Services

1st Capital Bank provides credit to its primary market of small and medium-size businesses and business service professionals. As primarily a business bank, the bank extends commercial and industrial loans to its business clients. The bank’s loan portfolio includes commercial real estate loans that are collateralized primarily by industrial and small office buildings in the target markets. The bank provides construction financing with an emphasis on owner-occupied properties.

1st Capital Bank offers:

Loans to businesses and other service professionals
Term loans to finance equipment
Commercial lines of credit
Overdraft lines of credit
Accounts receivable and inventory financing
Loans qualifying under the SBA guarantee program
Commercial real estate loans
Construction loans
Home equity loans and lines of credit
Vehicle and recreational vehicle loans
Multifamily real estate loans
Commercial and industrial loans
Letters of credit

Courier Service

Brings the convenience of a responsive community bank directly to our business deposit and loan customers
Extends geographic reach of the bank
Available during all normal banking hours

Electronic Banking

24-hour ATM service at some branch locations
24-hour online banking
24-hour toll-free telephone banking

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CONTACT US

Information about 1st Capital Bank may be obtained by contacting Ms. Toni Wood at the address, telephone number, fax number, or email address set forth below or by stopping by your local branch.

Ms. Toni Wood
Client Service Specialist / Compliance Assistant
1st Capital Bank
5 Harris Court, Building N, Suite 3
Monterey, California 93940
Tel. 831.264.4000
Fax 831.264.4001
info@1stcapitalbank.com

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Career Opportunities

We are just beginning and we know as we grow we’ll need to add additional staff to help meet the growth of our customers. If you are exceptional at serving people, we might be looking for you. Please send your resumes to: 5 Harris Court, Building N, Suite 3, Monterey, CA 93940

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Shareholder Information

1st Capital Bank is a publicly owned corporation. Its shareholders consist of individuals and businesses throughout the community who support community banking. For listing, trading and financial information please click on this Investor Relations link.

Community Reinvestment

1st Capital Bank prides itself on its investment and participation in the community. Please stop by one of our branches or contact our Controller at 5 Harris Court, Building N, Suite 3, Monterey, CA for a copy of our Community Reinvestment report.

News and Press Releases

The latest press releases for 1st Capital Bank are available below:

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