Capitol Bancorp Limited
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2004 Annual Report > California > Sunrise Bank of San Diego
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Another Year of Success
Our team is proud of our accomplishments in 2004 as Sunrise Bank of San Diego achieved record profitability.

For the third consecutive year Sunrise Bank was recognized in our market as the top ranking community bank in terms of U.S. Small Business Administration (SBA) 504 lending. Gains in SBA 504 loans contributed significantly to the bank’s 2004 profitability.

Our focus continues to be on excellent client service and careful execution of professionalism as exemplified by one of many extraordinary Sunrise clients:

“The level of personal service I receive from Sunrise Bank is phenomenal. The bank met the needs of our growing company by providing the financing to purchase our new headquarters. Responsiveness, professionalism and consistency are just a few reasons we now do all of our banking there.”

- Audrey Miranda, Mentus, Inc.
Going forward, the Sunrise Bank team is excited about our plans for continued growth and our community involvement will remain strong. Our team is optimistic about the prospects for building core relationships as we continue to grow a sound loan portfolio.

We are positioned to elevate our 2005 lending and deposit growth through the recent enhancements to our team of business development officers. Integrity and loyalty will continue to be the foundation for building trust with our clients.

Our team supports the community through investment of time and money in several local and national organizations, such as Child Help USA, Autism Society, Boys and Girls Club, and the Leukemia and Lymphoma Society. This commitment is reflected in the 100-percent employee participation in the United Way campaign.

It is our privilege to serve our clients, shareholders and community while providing a “brighter way of banking” in America’s finest city.

Randall S. Cundiff
President & CEO


Sunrise Bank of San Diego
4570 Executive Drive Suite 110
San Diego, CA 92121
858-625-9050

www.sunrisebanksd.com

Founded: January 11, 2001


Board of Directors
Scott R. Andrews
President & COO
First California Bancorp

Richard A. Byer
President
Bycor General Contractor

Craig V. Castanos
Owner
Craig V. Castanos, CPA

Randall S. Cundiff
President & CEO
Sunrise Bank of San Diego
John D. Frager
President & CEO
Grubb & Ellis | BRE Commercial

Michael R. Labelle
Senior Director
Cushman & Wakefield

John S. Lewis
President, Western Regions
Capitol Bancorp Limited

Toby T. Macfarlane
Senior Vice President
United Title Company
Robert J. Matkovich
D.D.S.
Robert J. Matkovich, D.D.S., Inc.

John F. McColl
President
Trinity Capital Group

Ronald D. McMahon
President
McMahon Development Group, LLC

John M. Rooney
CEO
Torrey Financial Group
Officers
John S. Lewis
Chairman of the Board

Randall S. Cundiff
President & CEO

Suzanne K. Gregory
Executive Vice President,
CCO & Secretary


Gregory S. Fletcher
Vice President
Joseph L. Kennedy
Vice President

Michael H. Markie
Vice President

© Copyright 2005 Capitol Bancorp Limited