8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

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

April 25, 2005Date of Report (Date of earliest event reported)

COMMERCIAL CAPITAL BANCORP, INC.

(Exact name of registrant as specified in its charter)

Nevada	000-50126	33-0865080
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

8105 Irvine Center Drive, 15th Floor, Irvine, California 92618

(Address of principal executive offices) (Zip Code)

(949) 585-7500

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02: Results of Operations and Financial Condition.

On April 25, 2005, Commercial Capital Bancorp, Inc. (the “Company”), (NASDAQ: “CCBI”), announced its earnings for the first quarter ended March, 31 2005. The Company will host a conference call on April 25, 2005 at 7:00 a.m. EDT that will utilize a slide presentation, a copy of which is attached hereto as Exhibit 99.1.

Item 9.01: Financial Statements and Exhibits.

(a)	Not applicable.
(b)	Not applicable.
(c)	The following exhibit is included with this Report:

Exhibit 99.1 Slide Presentation dated April 25, 2005.

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: April 25, 2005

EX-99.1

First Quarter 2005
Earnings Call

NASDAQ: CCBI

April 25, 2005

Regulation FD

This presentation may include forward-looking statements related to the plans,
beliefs and goals of the Company, 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 liquidity risks; changes in the securities markets. The Company
undertakes no obligation to revise or publicly release any revision to these
forward-looking statements.

2

Highlights

3

Highlights

4

TIMCOR Acquisition

Acquisition completed on February 17, 2005.

$370.2 mm in exchange balances of which $355.6 mm was on
deposit at the Bank at March 31, 2005.

$183.1 mm in average exchange balances during the first
quarter of 2005.

$374,000 in 1031 exchange fee income since the close of the
acquisition.

Full impact expected in second quarter 2005 earnings.

5

Strong Earnings Performance

(1) AGR- Anuual Growth Rate 03/04 to 03/05

6

Profitability Ratios

(1) AGR- Anuual Growth Rate 03/04 to 03/05

7

Profitability Ratios

8

Profitability Ratios

9

Profitability Ratios

10

Profitability Ratios

11

Profitability Ratios

12

Balance Sheet Growth

13

Loan Originations Support
Balance Sheet Growth

14

Balance Sheet Growth

15

Loan Portfolio Mix

16

Asset Quality of Real Estate Loans

17

LTV and DCR of First Quarter 2005
Originations

18

Multi-family

Loan to Value

66.3%

Debt Coverage Ratio

1.25:1

Commercial RE

Loan to Value

59.7%

Debt Coverage Ratio

1.64:1

Values are weighted average ratios, at origination

Adjustable Rate Lender

12 MAT

Prime

6 mo CMT

6 mo Libor

3 mo Libor

1 mo Libor

19

Historical and Forecasted 12-MAT

12 MAT Calculation and Forecast Based upon Current Month Average of the 1yr CMT

20

Investment Securities

21

Changing Deposit Mix

22

Bank Deposit Composition

23

Capital Ratios

24

Capital Ratios

25

Bank Capital Ratio

26

Operating Performance

27

Operating Performance

28

Operating Performance

29

Operating Performance Ratios

30

Operating Performance Ratios

31

Earnings Performance

(1) AGR- Anuual Growth Rate 03/04 to 03/05

32

First Quarter 2005
Earnings Call

NASDAQ: CCBI

April 25, 2005