-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, VX9dvD6Lm2DQxgNZJawe1AlWs4zZVi8CR7qYH2LGrNV+/tdLl1CIDdD04uZuQmfX xK7c1FhzKvAFFf85uM9ldQ== 0001169232-03-005326.txt : 20030819 0001169232-03-005326.hdr.sgml : 20030819 20030819143930 ACCESSION NUMBER: 0001169232-03-005326 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 11 CONFORMED PERIOD OF REPORT: 20030811 ITEM INFORMATION: Other events ITEM INFORMATION: Financial statements and exhibits FILED AS OF DATE: 20030819 FILER: COMPANY DATA: COMPANY CONFORMED NAME: COMMERCIAL CAPITAL BANCORP INC CENTRAL INDEX KEY: 0001184818 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 330865080 STATE OF INCORPORATION: NV FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-50126 FILM NUMBER: 03855399 BUSINESS ADDRESS: STREET 1: ONE VENTURE STREET 2: 3RD FL CITY: IRVINE STATE: CA ZIP: 92618 BUSINESS PHONE: 9495857500 8-K 1 d56517_8-k.htm CURRENT REPORT

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

August 11, 2003
(Date of earliest event reported)

COMMERCIAL CAPITAL BANCORP, INC.

(Exact name of registrant as specified in its charter)

Nevada
(State or other jurisdiction
of incorporation)

000-50126
(Commission File Number)

33-0865080
(IRS Employer
Identification No.)

One Venture, 3rd Floor, Irvine, California
(Address of principal executive offices)

92618
(Zip Code)

(949) 585-7500
(Registrant’s telephone number, including area code)

Not Applicable
(Former name, former address and former fiscal year, if changed
since last report)

Item 5.

Other Events and Required FD Disclosure

On August 11, 2003, Commercial Capital Bancorp, Inc. (the “Company”) filed with the Securities and Exchange Commission the presentation which is attached as Exhibit 99.1 to this Form 8-K. The executive officers of the Company intend to utilize the presentation, in addition to the presentation materials filed on July 28, 2003, in whole or in part, at presentations made by executive officers of the Company in meetings with analysts and investors throughout the fiscal quarter ending Septemeber 30,2003.

Item 7.

Financial Statements, Pro Forma Financial Information and Exhibits

(a)

Not applicable.

(b)

Not applicable.

(c)

The following exhibit is included with this Report:

Exhibit 99.1 Presentation

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

COMMERCIAL CAPITAL BANCORP, INC.
	By:	/s/ Stephen H. Gordon

		Stephen H. Gordon Chairman of the Board and Chief Executive Officer

Date: August 11, 2003

EX-99.1 3 d56517_ex99-1.htm PRESS RELEASE

This presentation may include forward-looking statements (related to the
plans, beliefs and goals of CCBI and its subsidiaries), which involve certain
risks and uncertainties that could cause actual results to differ materially from
those in the forward-looking statements. Such risks and uncertainties include,
but are not limited to, the following factors: competitive pressure in the
banking industry; changes in the interest rate environment; the health of the
economy, either nationally or regionally; the deterioration of credit quality,
which would cause an increase in the provision for possible loan and lease
losses; changes in the regulatory environment; changes in business conditions,
particularly in California real estate; volatility of rate sensitive deposits;
asset/liability matching risks and liquid ity risks; and changes in the securities
markets. CCBI undertakes no obligation to revise or publicly release any
revision to these forward-looking statements.

Regulation FD

CCBI Overview

Diversified Financial Services Company Based in
Irvine, California

Uniquely focused business strategy

Attractive client base

Strong organic growth

Business Strategy

Focused on financial needs of income property investors, middle-market
businesses, high net-worth individuals and professionals

Integrate borrower and depositor, expand relationship banking:

Business

Private

Continue core asset origination strategy to support broader business objectives:

Grow balance sheet and net interest income by originating high quality multi-family loans

Invest excess liquidity and equity in U.S. Government agency MBS

Expand organically: consider opening branches in locations with high
concentrations of existing franchise borrower and depositor clients

Irvine

Rancho Santa Margarita

Riverside

La Jolla banking office projected to open in September 2003

Platform Supports Strategy

Size, Strength, Growth and Opportunity

$311 billion market value in California (15% of U.S. total) *

6 of the top 10 U.S. markets are in California*

Los Angeles, San Francisco, San Diego, San Jose, Oakland & Orange County

Market grew 35% between 2001 and 2002 ($13.4 billion – $18.1 billion)**

29,000+ loans originated in California in 2002 (average size of $616,000)**

2 largest originators comprise 25% of market (900+ lenders account for the

Attractive Multi-family Market

* source: National Multi Housing Council Oct. 2001

**source: DataQuick Dec. 2002 Data

balance)**

Balance Sheet Growth

$228

$238

$310

$447

$581

$100

$200

$300

$400

$500

$600

6/02

9/02

12/02

3/03

6/03

Total Securities

Capital Growth

$33.4

$38.0

$77.6

$84.8

$91.3

$10

$20

$30

$40

$50

$60

$70

$80

$90

$100

6/02

9/02

12/02

3/03

6/03

Stockholders' Equity

Book Value

$3.73

$4.24

$5.55

$5.91

$6.24

$1.00

$2.00

$3.00

$4.00

$5.00

$6.00

$7.00

6/02

9/02

12/02

3/03

6/03

Book Value per Share

$2.28

$2.78

$4.62

$5.00

$5.35

$1.00

$2.00

$3.00

$4.00

$5.00

$6.00

6/02

9/02

12/02

3/03

6/03

Tangible Book Value per Share

CCB was the fastest growing bank in California over
the 36 months ended 3/31/03, (source www.fdic.gov).

3^rd largest multi-family originator in CA with 2.9%
market share for the 12 months ended 3/31/03, (source:
Dataquick Information Systems).

Ranked 7th of 100 largest public thrifts in overall
financial performance by SNL Financial’s
ThriftInvestor.

Leading Loan Originator & High Growth Bank