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Desert Community Bank


James W. Howard, President & CEO

In the current economic cycle, many banks are being criticized for not lending. Is that also true at Desert Community Bank?

While it is prudent for every institution to think in terms of self-preservation, it is equally important for bankers to remember that they are in the business of lending money. At its core, a credit crunch signals a lack of confidence in the future. Bankers are by nature risk averse and, often, the conservative thing to do when faced with uncertainty is to do nothing. But our economic recovery will be fueled as much by optimism as by the capital markets’ return to stability. It will take both faith and credit to get the economy back on its feet.

Desert Community Bank has maintained conservative underwriting standards, which has insulated us from the current situation affecting credit availability. Community banks, unlike large financial institutions, can bring local community knowledge that can help them stay ahead of trouble. Yet it all comes down to management’s effectiveness. At Desert Community Bank, we stand ready as always to assist with the needs of our local business, professional and individual clients who look to us to provide the capital for expansion, new business or ongoing operation. As always, we stand ready to serve.

— James W. Howard, President & CEO

  Board of Directors
 
  Robert A. Albano
President & CEO
American Asphalt & Grading
  Robert J. Andrews
Investor & Financial Consultant
  Rose M. K. Dominguez
Realtor
AC Sales Real Estate Services
  Garry L. Hayes
President
Law Office of Garry L. Hayes
  James W. Howard
President & CEO
Desert Community Bank
  Larry W. Kifer
Chairman & CEO
Lilack, Inc.
  Thomas C. Mangione
President, Nevada Region
Capitol Bancorp Limited
  Leland D. Pace
Partner
Stewart, Archibald & Barney, LLP
  Vicki Paulbick
Private Property Manager
  Thomas A. Smith
President & CEO
Group Two, Inc.
Officers
 
Thomas C. Mangione
Chairman & Secretary
Garry L. Hayes
Vice Chairman
James W. Howard
President & CEO
Gerald T. Buttaccio
Executive Vice President
& CCO
Robert J. Beck
Senior Vice President
Rodney K. Chaney
Senior Vice President
Eileen S. Hagler
Senior Vice President
Michelle Scalzo
Senior Vice President
John J. Gentile
Vice President
Larry A. Moulton
Vice President