ESCONDIDO, Calif.--(BUSINESS WIRE)--Jan. 27, 2005--California Community Bank (CABK )having completed its first full calendar year of operations on December 31, 2004, reported continued strong loan and deposit growth during the fourth quarter of 2004. Fourth quarter unaudited results showed growth in total assets of 16% since September 30, 2004, and asset growth of 137% since December 31, 2003. On December 31, 2004, the bank had total assets of $52.3 million and total loans of $36.9 million.

Key financial highlights at December 31, 2004 compared to December 31, 2003 were:

-- Total assets increased to $52.3 million from $22.1 million -- 137% growth

-- Total loans increased to $36.9 million from $10.2 million -- 262% growth

-- Total deposits increased to $43.0 million from $11.6 million -- 269% growth

Additionally, The Bank announced that it had opened its second full service branch in Vista, CA on December 22, 2004, further expanding its market penetration in San Diego's growing North County. The new branch is strategically located at 905 South Santa Fe Ave. with easy access for Vista's rapidly growing business, professional, and household communities.

Larry D. Hartwig, President and CEO, commented, "With the opening of Vista, we have made major strides toward our goal of delivering high quality banking products and services to small businesses and individuals in our targeted market area. Our new Vista team has made outstanding progress and has booked well in excess of $2.0 million of deposits in its first 30 days of operation. When you look back at the achievements of 2004, the bank has definitely established a strong footprint in the North County banking market. This is absolutely the result of a strong collective team effort by a group of highly productive banking professionals at all levels of the organization. With a solid foundation clearly in place we are focused on continuing to build shareholder value -- and our sights remain clearly set on achieving 'month-to-month' profitable operations in the year ahead."

California Community Bank is headquartered at 1320 West Valley Parkway in Escondido and currently operates 2 branches -- Escondido and Vista, CA. For more information on the Bank, please visit www.calcommunitybank.com or call 760-888-1000.

The numbers in this press release are unaudited. Certain statements in this press release, including statements regarding the anticipated development and expansion of the Bank's business, and the intent, belief or current expectations of the Bank, its directors or its officers, are "forward looking" statements (as such term is defined in the Private Securities Litigation Reform Act of 1995). Because such statements are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward looking statements. These risks and uncertainties include, but are not limited to, risks related to the local and national economy, the Bank's performance, regulatory matters and those discussed in filings by the Bank with the Federal Deposit Insurance Corporation.

CONTACT:
California Community Bank, Escondido,CA
Larry D. Hartwig, 760-888-1001
lhartwig@calcommunitybank.com