The group's principal activities are to provide financial services including origination of commercial and residential real estate loans and syndicated commercial loans on a nationwide basis. The lending is done on a senior and secured basis, minimizing credit exposure through conservative loan underwriting and appropriating loan to collateral valuations and cash flow coverages. Loans are originated through independent loan brokers. It provides deposit accounts including certificates of deposit and installment investment certificates through its 17 branches in California. The deposit accounts are insured by the federal deposit insurance corporation.
