Capitol Bancorp Limited
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2004 Annual Report > Great Lakes > Elkhart Community Bank
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Customer Service is Everything
Marking our fifth anniversary in 2004, Elkhart Community Bank experienced record growth in profitability for the year. We had substantial increases in deposits and loans.

Our dedicated staff deserves all the credit.

Elkhart employees work hard and truly care about our clients, fellow employees and the community in which we live and work. When one of our business clients tragically lost two close family members this past year, our senior operations officer, Lori Faltynski, volunteered to staff the company’s office so the client’s business could remain open during the family’s crucial time of need.

More recently, a client in the real estate business needed a last-minute loan to close a transaction or the deal would have fallen through. The client visited the bank at 3 p.m. on a weekday afternoon and we were able to complete the necessary title work, appraisal and other loan documentation to close the loan by 10 a.m. the following morning.

Extra work? Yes. Did we exceed expectations? You bet.

“At Elkhart Community Bank, I’m more than just a number. The staff is friendly, personal, and genuinely concerned for my business.”

- A.J. Rodino, Owner, Rodino Liquors
Elkhart Community Bank was a finalist in 2004 for “Small Business Lender of the Year” in the state of Indiana, as selected by the Indiana Statewide Certified Development Corporation (CDC). This award is given to the financial institution that generates the largest volume of Small Business Administration 504 loans with the CDC as a percentage of deposits.

Elkhart Community Bank is growing profitably and our team is excited about the future ahead.

Steven L. Brown
President


Elkhart Community Bank
303 South Third Street
Elkhart, IN 46516
574-295-9600

www.elkhartbank.com

Founded: September 9, 1999


Board of Directors
Nancy B. Banks
Community Volunteer

R. Steven Bennett
President
Pilgrim International

Kenneth W. Brink
President
North American RV, Ltd.

Steven L. Brown
President
Elkhart Community Bank
Robert C. Carr
Vice Chairman
Capitol Bancorp Limited

Andrew W. Frech
Chairman & CEO
Ancon Construction
Company, Inc.

Curtis T. Hill Jr.
Attorney at Law
Elkhart County
Prosecuting Attorney Office
Richard J. Jensen
Retired

Richard L. Max Sr.
President & General Manager
Heart City Enterprises -
House of Herbs

Myrl D. Nofziger
President
Hoogenboom Nofziger
Brian J. Smith, CPA
President
The Heritage Group

Jack E. Welter
President
Elkhart Plastics, Inc.
Officers
Robert C. Carr
Chairman & CEO

Myrl D. Nofziger
Vice Chairman & Secretary

Steven L. Brown
President

Lori A. Faltynski
Vice President
Duane S. Klein
Vice President

Vincent J. VonDerVellen
Vice President
© Copyright 2005 Capitol Bancorp Limited