Age: 36.Where born: Salt Lake City.

Education: Bachelor of arts in economics, University of Utah; master's of business administration, Harvard University, Graduate School of Business Administration.

Primary products: Commercial banking and financial services.

Primary markets: Utah, Nevada and Arizona.

Number of employees: 2,100.

Annual sales: Assets: $3.1 billion; revenues: $175 million.


First "real" job: Filing paid checks.

Management style: Be accessible and encourage employee participation.

Strategy for success: Hard work and a focus on creating value.

A memorable failure: In the mid-1980s, the failure to fully anticipate and gear up earlier for Utah's real estate recession.

Heroes: The many people in our community who quietly give back more than they take from society.

Leisure time and hobbies: Skiing and hiking.

Favorite book and movie: Crossing to Safety, by Wallace Stegner; "Amadeus."