CEO: Nathan Rogge.

Assets: $188 million in 2011; $180 million in 2010.

Net income/loss: $1 million in net income in 2011; net loss of $678,000 in 2010.

No. of local branches: Four.

No. of local employees: 33.

Headquarters: Carmel Valley.

Year founded: 2001, as Ramona National Bank.

Company description: Commercial bank.

Key factors for success: Thinking outside the box; doing specific things very well; and focusing on employees.

Bank of Southern California finally broke solidly into the black last year, netting $1 million...

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