Where born: Oceanside, Calif.
Family: Wife Jennifer Ann and children R. Paul, Bryce Lee and Danielle.
Education: Bachelor of science, University of Arizona, American Graduate School of International Management "Thunderbird" and Stonier Graduate School of Banking, Rutgers University.
Primary products: Production and management of all loan products.
Primary markets: Statewide.
Number of employees: 597.
Annual sales: Approximately $1 billion.
First "real" job: Ralston Purina Co., Brussels, Belgium.
Management style: Participative.
Strategy for success: The building of esprit de corps within the organization.
A memorable failure: Missed opportunity to play football at Brigham Young University (quarterback) due to a car accident en route to Provo from Arizona.
Heroes: My father, a self-made entrepreneur who taught me the value of hard work.
Leisure time and hobbies: Golf and travel.
Favorite book and movie: Atlas Shrugged and A Man for All Seasons.