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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

5.14%Q2 ’045.71%Q2 ’056.34%Q2 ’06-4%-17%

Non-interest income vs. expense

3.76%Q2 ’043.39%Q2 ’053.17%Q2 ’06-3%-16%

Executive Summary

  • Earnings: ROA of 0.22%, down 11 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.31%.
  • Funding: loans stand at 66.11% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

0.22%-11 bps YoY

Net Interest Margin (quarter, annualized)

2.95%-62 bps YoY

Efficiency Ratio (quarter, annualized)

83.91%+251 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.33%0.55%-0.64%0.12%0.22%-11 bps
Return on Equity6.88%11.21%-13.48%2.69%4.86%-202 bps
Net Interest Margin3.57%3.63%3.49%3.45%2.95%-62 bps
Efficiency Ratio81.39%72.26%83.25%87.81%83.91%+251 bps
Non-Interest Burden2.79%2.37%2.76%2.98%2.35%-45 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 / Loans1.06%0.00%0.57%3.37%-0.31%-137 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