Stephen D CummingsSTEPHEN D. CUMMINGS has been an independent analyst and researcher since 1988 and was previously a financial analyst for the California State Banking Department and a bank chief financial officer. He has worked with economic development organizationsin southern California and sits on the Ventura County Revolving Loan Fund Board that assists businesses damaged by the Northridge earthquake. He has published The Ventura County Statistical Abstracts since 1990, and also published The Financial Characteristics of California Banks from 1987 to 1994. Read More Read Less