ESCONDIDO, CA - (Business Wire) - July 18, 2005 - California Community Bank (OTCBB: CABK), which commenced operations on August 11, 2003, today released its unaudited 2005 second quarter financial results.

After only 22 months of operations, the Bank closed the second quarter of 2005 with an asset base of $75.1 million, an increase of $36.4 million, or 94%, from June 30, 2004. Total deposits were $66.2 million, up $37.3 million over the same period a year ago. As of June 30, 2005, total gross loans net of deferred fees, the primary revenue driver for the Bank, stood at $51.2 million compared to $22.0 million at June 30, 2004, a record increase of $29.2 million, or 133%.

Since its inception, California Community Bank has reported consistent growth in its core loan and deposit portfolios, all of which has translated into shrinking losses for the de-novo financial institution. The Bank reported a net loss of $329 thousand for the six months ended June 30, 2005 compared to a net loss of $850 thousand for the comparable period last year, an improvement of $521 thousand, or 61%. Additionally, driven by its disciplined approach toward building quality market share, the Bank continues to report no delinquent or past due loans as of June 30, 2005.

Larry D. Hartwig, President and CEO commented, “Second quarter 2005 loan growth has been very strong, with over $10 million added to loan outstandings -- a direct result of our targeted business development program. This quarter’s results are a milestone in the evolution of California Community Bank. We are growing up and our tremendous team of bankers have also grown significantly in their efficiencies and abilities. Every employee knows we can be the best community bank in North County and their competitive spirit shows it. I am very proud of the results that every member of the team has achieved, and we look forward to even more in the future.”

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