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Community Capital Bank

Brooklyn, NY · Cert 33199

FDIC

Q2 2006

$166.1MAssets
$96.6MLoans
$146.1MDeposits
$7.1MEquity
Deposit mix
90%Interest-bearing $130.8M10%Noninterest $15.2MQ2 2005Q2 2006

NIM

5.13%Q2 ’045.68%Q2 ’056.26%Q2 ’06+0%-14%

Non-interest income vs. expense

3.84%Q2 ’043.42%Q2 ’053.23%Q2 ’06+5%-10%

Executive Summary

  • Earnings: ROA of 0.17%, down 13 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.54%.
  • Funding: loans stand at 66.11% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.17%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-53 bps YoY

Efficiency Ratio (YTD, annualized)

85.85%+418 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.30%0.39%0.13%0.12%0.17%-13 bps
Return on Equity6.31%7.97%2.64%2.69%3.77%-254 bps
Net Interest Margin3.69%3.68%3.62%3.45%3.16%-53 bps
Efficiency Ratio81.67%78.36%79.59%87.81%85.85%+418 bps
Non-Interest Burden2.92%2.74%2.74%2.98%2.62%-30 bps
Growth
Asset Growth (YoY)10.46%7.68%5.12%-1.87%2.84%-761 bps
Loan Growth (YoY)5.86%8.71%14.26%6.05%2.50%-335 bps
Deposit Growth (YoY)17.24%13.81%8.60%1.88%5.02%-1,222 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.28%0.81%0.74%3.37%1.54%+26 bps
Allowance / Loans1.34%1.44%2.01%1.37%1.55%+21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.58%10.49%9.80%10.06%10.02%-56 bps
Equity / Assets4.87%4.92%4.61%4.62%4.27%-59 bps
Liquidity & Funding
Loans / Deposits67.73%70.21%72.22%69.08%66.11%-162 bps
Liquid Assets / Assets2.22%2.14%2.23%1.91%1.89%-33 bps
CRE / Total Capitaln/an/an/an/an/an/an/a