California Community Bank Reports Third Quarter 2009 Profit.

Total Assets Exceed $200 Million Milestone

ESCONDIDO, Calif. -- California Community Bank (OTCBB: CABK.OB), today released its unaudited third quarter 2009 financial results.

The Bank finished the third quarter of 2009 with an asset base of $204,037,000, an increase of $35,648,000, or 21%, from the third quarter of 2008. Total deposits were $175,665,000, up $35,203,000, or 25%, over the same period a year ago. As of September 30, 2009, total gross loans net of deferred fees, the primary revenue driver for the Bank, stood at an all time high of $157,566,000 compared to $137,324,000 at September 30, 2008, an increase of $20,242,000, or 15%.

For the third quarter of 2009, the Bank reported net income of $21,000, or basic earnings per share of 1 cent, versus a net loss of $51,000, or a basic loss per share of 2 cents, for the comparable period last year. The net loss for the first nine months of the year was $317,000, or a basic loss per share of 15 cents, compared to a net loss of $177,000, or a basic loss per share of 8 cents, for the first nine months of 2008.

Larry D. Hartwig, President & CEO commented, "We are pleased to report that during the third quarter we were able to deliver record growth in both core deposits and loans. Our two newest offices, in Encinitas on S. Coast Highway 101 and in San Diego on Miramar Road, recorded solid core deposit improvements positioning them to become sound profit contributors for the Bank. Along with reporting a small quarterly profit, total assets exceeded the $200 million milestone and we held our non-interest expenses flat compared with the two prior quarters of 2009. Loan portfolio quality has continued to outperform peer group banks reflecting our conservative credit underwriting policies. Given the current headwinds against any meaningful short-term economic recovery we also made prudent increases to our overall loan loss reserves. On a year-to-date basis we remain in a loss position, principally due to increased year-over-year non-interest expense resulting from the June 16, 2008 opening of our fourth full-service de novo branch in the City of Encinitas. Additionally, 2009 year-to-date results include an unprecedented FDIC Bank Insurance Fund special assessment of $80,000. In summary, our negative earnings position for the first nine months of 2009 stems from increased loan loss reserves driven by loan growth and current economic trends, the strategic investments we have made in growing our franchise, and an economy that continues to stress our net interest margins."

Hartwig further commented, "In conclusion, until the headwinds facing the economy subside, the local banking industry will likely feel the impact of rising unemployment, mounting real estate foreclosures, and further credit deterioration. Meaningful economic expansion will probably not gain traction for some time. However, with our very strong liquidity position and the fact that we substantially exceed the highest regulatory requirements for being well capitalized, we remain confident in our future. Our relationship style of banking continues to be targeted toward small-to-medium size businesses, professionals, and high net worth individuals within our market area. We continue to generate local market deposits and are making loans as usual to qualified borrowers. We believe that we are well-positioned to further grow the business and improve our financial performance results. We fully recognize the valuable contributions of our highly professional staff in this ongoing process. One building block at a time, we continue to methodically lay the foundation to create an outstanding community banking organization committed to providing our customers with 'Real Solutions. Personally Delivered.'"

California Community Bank is headquartered at 1320 West Valley Parkway in Escondido and currently operates four branches - Encinitas, Escondido, San Diego, 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.

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