COMMERCIAL CAPITAL BANCORP ANNOUNCES FOURTH QUARTER 2005 EARNINGS

Record total assets of $5.46 billion, a 9% increase from fourth quarter 2004

Record total loan fundings of $716.0 million, a 32% increase from fourth quarter 2004

Earnings of $0.26 per share on net income of $15.1 million

Non-GAAP Earnings of $0.29 per share on net income of $16.4 million

IRVINE, CA – January 23, 2006 – Commercial Capital Bancorp, Inc. (NASDAQ: “CCBI”), the parent company of Commercial Capital Bank, TIMCOR Exchange Corporation and North American Exchange Company, today announced net income of $15.1 million or $0.26 per diluted share for the fourth quarter of 2005, declines of 25% and 28%, respectively, from the fourth quarter of 2004. Excluding the direct costs of the Commercial Banking Division, the Company generated Non-GAAP net income of $16.4 million or $0.29 per diluted share during the fourth quarter of 2005. Net income totaled $74.3 million or $1.29 per diluted share for 2005, compared to $56.3 million or $1.21 per diluted share for 2004.

The financial results for the fourth quarter of 2005 reflect the successful implementation of the Company’s core growth strategy.

• Total assets grew to a record $5.46 billion at December 31, 2005, an increase of $439.6 million from December 31, 2004. The growth in assets during the quarter was generated by the Bank’s strong fundings of multifamily, commercial real estate and construction loans.

• Record loan fundings of $716.0 million were achieved during the fourth quarter of 2005, an increase of 32% over the fourth quarter of 2004.

• Total revenues in the fourth quarter of 2005 reached $75.2 million, the highest level for any quarter in the Company’s history.

• 1031 exchange balances averaged $701.8 million for the fourth quarter of 2005, reflecting the acquisitions of TIMCOR and NAEC in February and May of 2005, respectively. Exchange balances had an average cost of 0.86% for the fourth quarter of 2005.

• The Company announced signing of an agreement to acquire Calnet Business Bank, National Association, a Sacramento, California-based community bank with total assets of $176.6 million, total deposits of $152.9 million and total shareholders’ equity of $22.7 million at December 31, 2005. The acquisition is expected to close in the first quarter of 2006.

The comparability of the Company’s quarterly results is affected by the acquisitions that occurred in mid-2004 and early 2005. The Company’s operating results from the fourth quarter of 2005 include the operations of TIMCOR and NAEC which were acquired earlier in 2005. While the operations of these companies are included in the 2005 results, they are not reflected in comparable 2004 results. Additionally, Hawthorne Financial Corporation was acquired in June 2004.

Stephen H. Gordon, Chairman and Chief Executive Officer of Commercial Capital Bancorp, Inc., commented, “Our fourth-quarter results reflect our continued strategy of growing our core businesses, removing non-core assets from our balance sheet and maturing and improving our depository franchise. We have completed the process of selling non-core residential loans that were identified in early 2005 and are now focused on growing our balance sheet through our multifamily and commercial origination platform. We are keenly focused on growth through funding high quality assets and on the expansion and improvement of our depository franchise.” Gordon continued, “The fourth-quarter results were negatively

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impacted by the costs associated with the further development of the Bank’s Commercial Banking Division. This division is an important part of our multi-pronged funding strategy and, notwithstanding the near term costs, we have begun to realize the potential contributions to the Company, with approximately $50 million of deposits contributed by the division during the quarter.”

Fourth Quarter Financial Summary
($ in 000’s, except per share data)

	2005			2004			Change		% Change
Total revenuesi	$	75,154		$	67,083		$	8,071		12.0	%
Net interest income		37,403			38,468			-1,065		-2.8
Non-interest income		6,066			6,690			-624		-9.3
G&A Expenses		20,532			12,705			7,827		61.6
Net income		15,101			20,234			-5,133		-25.4
Basic EPS		0.27			0.37			-0.10		-27.0
Diluted EPS		0.26			0.36			-0.10		-27.8
Yield on earning assets		5.93	%		5.30	%		0.63		11.9
Cost of funds		2.78			2.00			0.78		39.0
Net interest margin		3.21			3.38			-0.17		-5.0
Net interest margin, Non-GAAPii		3.13			3.08			0.05		1.6
ROAA		1.15			1.61			-0.46		-28.6
ROAA - Tangible		1.24			1.73			-0.49		-28.3
ROAE		8.69			13.06			-4.37		-33.5
ROAE - Tangible		20.59			31.55			-10.96		-34.7
Efficiency ratio		47.23			28.13			19.10		67.9
G&A to total assets		1.56			1.01			0.55		54.5
Effective income tax rate		33.69			37.26			-3.57		-9.6
Core loan fundingsiii	$	684,656		$	495,730		$	188,926		38.1
Total loan fundingsiv		716,039			540,783			175,256		32.4

Operating Results

The Company’s net interest income during the fourth quarter totaled $37.4 million, a decrease of 3% from $38.5 million for the fourth quarter of 2004. The Company’s yield on interest-earning assets increased 63 basis points to 5.93% for the fourth quarter of 2005, compared to 5.30% for the fourth quarter of 2004. Average interest-earning assets totaled $4.66 billion during the fourth quarter of 2005 as compared to $4.55 billion during the fourth quarter of 2004. The growth of average interest-earning assets was muted by the sale of non-core assets and the fourth quarter fundings being heavily weighted toward the end of the quarter. Average interest-bearing liabilities equaled $4.37 billion for the fourth quarter of 2005, an increase of $106.6 million over 2004. During the fourth quarter of 2005, $655.0 million of FHLB advances that originally were borrowed on extended maturity schedules at an average cost of 2.64% matured. These advances were replaced with sources at current market rates of interest. The maturity of these advances combined with rising short-term interest rates contributed to an increase in the Company’s cost of funds during the fourth quarter of 2005. The Company’s cost of funds was 2.78% during the fourth quarter of 2005, an increase of 78 basis points from the fourth quarter of 2004. Excluding purchase accounting adjustments related to the acquisition of Hawthorne, the Company’s net interest margin expanded by five basis points year over year to 3.13% for the fourth quarter of 2005, from 3.08% for the fourth quarter of 2004.

Noninterest income decreased by 9% to $6.1 million for the fourth quarter of 2005, from $6.7 million for the fourth quarter of 2004. The decrease in noninterest income is due primarily to a decrease in the gain

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on sale of loans, which totaled $534,000 for the fourth quarter of 2005, compared to $3.8 million for the fourth quarter of 2004. The gain on sale of loans for the fourth quarter of 2005 declined compared to the prior year period due to a lower volume of loan sales as the Company completed its programs to restructure its balance sheet and reduce non-core assets.

The Company’s general and administrative expenses totaled $20.5 million for the fourth quarter of 2005, compared to $12.7 million for the fourth quarter of 2004. The most significant increase in expenses was compensation costs, which was driven by a higher level of staffing during 2005. The acquisitions of TIMCOR and NAEC and the investment made in the expansion of the commercial banking efforts resulted in a significant increase in staff. The fourth quarter of 2005 includes approximately $2.3 million of direct expenses related to the Commercial Banking Division. This included approximately $1.1 million of salaries, benefits and other costs and $1.2 million of professional and legal costs associated with the start up of this division and the Company’s defense in the previously disclosed related litigation.

The Company’s effective tax rate was 33.69% for the fourth quarter of 2005, compared to 37.26% for the fourth quarter of 2004. The reduction of the Company’s effective tax rate for the fourth quarter of 2005 compared to the fourth quarter of 2004 results primarily from the Company’s strategy of investing in qualified low income community investments under the New Markets Tax Credit provisions of the Internal Revenue Code of 1986, as amended. The Company continues to benefit from prior year investments in similar tax credits, as well as tax benefits from funding loans in tax enterprise zones.

Asset Strategy

Total assets increased to a record $5.46 billion at December 31, 2005, compared to $5.02 billion at December 31, 2004. During 2005, the Company employed a strategy to increase its focus on multifamily and commercial real estate loans and reduce the level of single family residential loans in its portfolio. In the first quarter of 2005, the Bank identified and designated $611.6 million of low rate, super jumbo, single family adjustable rate loans as held for sale. The Bank continues to originate single family residential loans, but intends to identify as held for sale those single family residential loans that do not meet its profitability criteria. During 2005, these asset strategies resulted in the sale of $731.1 million of single family residential loans from the Bank’s portfolio and 2005 originations. The composition of the balance sheet at December 31, 2005 reflects the results of these strategies. Total loans increased to $4.34 billion at December 31, 2005, an increase of $420.8 million over the levels at December 31, 2004, with multifamily loans held for investment totaling $3.05 billion and representing 70% of total loans held for investment at December 31, 2005. Multifamily loans totaled $2.40 billion, and represented 61% of total loans at December 31, 2004. The current and ongoing strategy of the Company will continue to focus on the funding of adjustable rate multifamily and commercial real estate loans that are indexed to the 12 MAT and other market indices. At December 31, 2005, 97% of the loan portfolio was adjustable rate loans and 56% of adjustable rate loans were based upon the 12MAT. Although the Company is focused on the funding of adjustable rate loans, the Company does not hold a significant amount of loans subject to negative amortization at December 31, 2005. As a result, the Company had less than $1.0 million of negative amortization balances as of December 31, 2005.

Loan Fundings

The Company’s lending efforts are focused on adjustable rate multifamily and commercial real estate loans. The strategy emphasizes loans originated through an in-house lending team of professionals in order to ensure that the customer relationship is maintained and that strict standards of credit quality are maintained. Purchasing loans and using third party mortgage brokers are part of the overall funding and portfolio growth strategy. During the fourth quarter of 2005, $570.4 million of core loans were originated, $114.3 million were purchased and $31.4 million were originated through broker or conduit

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relationships. These figures compare favorably to the fourth quarter of 2004 during which the Bank originated core loans of $495.7 million and originated $45.1 million of loans through broker or conduit relationships.

David S. De Pillo, President and Chief Operating Officer, observed, “California continues to experience population expansion and the demand for affordable housing has led to continued strong demand for our loan products. Our loan origination franchise has built strong relationships and we are one of the strongest competitors in the multifamily niche. We have grown to being one of the leading multifamily lenders in the state of California and we have the capacity to continue to grow. If concerns regarding the affordability of single family residences should prove to be realized, we feel that we are well positioned to provide loan products to fill the need for affordable housing that should be attractive to real estate developers and investors who are seeking loan products and services.”

PORTFOLIO ASSET QUALITY

The level of nonperforming assets has been relatively low over recent quarters and the fourth quarter of 2005 proved to be consistent with that trend. Nonperforming assets totaled $8.6 million or 0.16% of total assets at December 31, 2005. This compares with nonperforming assets of $6.6 million or 0.13% of total assets at December 31, 2004. Nonperforming assets are typically comprised of loans on nonaccrual status, loans that have been restructured and real estate acquired through foreclosure.

The Company’s internal asset review process evaluates the adequacy of its allowance for loan losses on a quarterly basis. At December 31, 2005, the allowance for loan losses was $28.7 million, which is 335% of nonperforming loans and 0.66% of total loans. The Company’s review of its allowance for loan losses at December 31, 2005 indicated that a provision for loan losses for the fourth quarter of 2005 was not required and that the allowance for loan losses is adequate to cover potential losses inherent in the loan portfolio.

LIABILITY MANAGEMENT

A key focus of the balance sheet funding strategy implemented throughout 2005 was to increase the utilization of lower costing funding sources. The acquisitions of TIMCOR and NAEC during 2005 were an outgrowth of this strategy and provided average exchange balances of $701.8 million for the fourth quarter of 2005 at an average cost of 0.86%. At December 31, 2005, exchange balances totaled $623.3 million, which reflects the inter-period cyclical nature of exchanges. Although reflected as borrowings on the Company’s balance sheet, these funding sources are viewed as transaction account balances in the implementation of the Company’s asset liability management strategy. Transaction account balances, which consist of deposits that may be withdrawn by depositors without notice and exchange balances, totaled $1.70 billion at December 31, 2005, an increase of $473.0 million or 38% from $1.23 billion December 31, 2004, respectively. The growth of the transaction account balances was the most significant factor in the increase in total liabilities to $4.77 billion at December 31, 2005, as compared to $4.40 billion at December 31, 2004.

On October 20, 2005, the Company announced it had entered into a definitive agreement to acquire Calnet Business Bank, National Association. The all-stock transaction is valued at approximately $40 million and is expected to close in the first quarter of 2006. At December 31, 2005, Calnet had total assets of $176.6 million, total loans of $107.4 million, total deposits of $152.9 million and total shareholders’ equity of $22.7 million. For the fourth quarter of 2005, Calnet’s net interest margin expanded to 5.70%. Calnet conducts its Greater Sacramento Valley, relationship-driven deposit gathering and lending business from a single location in Sacramento. Calnet’s lending programs focus on commercial real estate, construction and business loans within the Greater Sacramento Valley region. The closing of the

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Calnet acquisition by the Company is subject to approval by Calnet shareholders and the Office of Thrift Supervision, the Company’s primary regulator.

Gordon commented, “The expansion of our funding strategies reflects the Company’s commitment to cost effective funds management and remains a primary focus of our core business strategy. We will be employing several strategies to achieve our objective. We will further mature and expand our commercial, relationship and retail banking efforts. We expect to expand our retail branch network and exchange accommodator business through organic and de novo growth and opportunistic acquisitions. The TIMCOR, North American and Calnet acquisitions are good examples of the type of acquisitions that the Company will focus on in the future. The recently announced signing of a definitive agreement to acquire Oakland, California based Lawyers Asset Management, with over $100 million of exchange balances, demonstrates our commitment to and success with this strategy.”

SHAREHOLDERS’ EQUITY

Stockholders’ equity totaled $698.1 million at December 31, 2005, an increase of 11.7% from $625.2 million at December 31, 2004. Growth in the level of shareholders’ equity has been driven by retained earnings and by shares used in the acquisition of TIMCOR. As part of the strategy to manage its shares outstanding, on October 12, 2005 the Company’s Board of Directors approved a stock repurchase program which allows for up to $20 million of shares to be repurchased. This plan will begin upon the conclusion of the repurchase program authorized in January 2005, which has remaining authorization to repurchase 532,463 shares. During 2005, the Company repurchased 1,036,400 shares. The Company’s Board of Directors declared a cash dividend of $0.075 per share for shareholders of record on February 15, 2006 to be paid on March 1, 2006.

The capital ratios of the Bank continued to exceed federal regulatory requirements for classification as a “well-capitalized” institution. The Bank’s core, tier one risk-based and total risk-based capital ratios are estimated to be 8.75%, 11.72% and 12.48% at December 31, 2005, respectively

FORWARD GUIDANCE

Stephen H. Gordon stated, “We view 2005 as a transition year for the Company; a year in which the Company restructured its portfolio, acquired new business lines and expanded its commercial banking efforts. We believe the successful maturation of these initiatives, when combined with our relationship and retail banking focus will improve the Company’s franchise value. Looking forward to 2006, we will continue to look for strategic opportunities that provide synergistic, low cost transaction account balances and expand our depository franchise. We will look to build a nationwide platform for our 1031 exchange accommodator businesses and hope to build efficiencies from further growth. During 2006, we expect to grow our loan portfolio without compromising asset quality. We recognize the challenges of operating in a relatively flat or inverted yield curve environment. These and other factors lower the precision of accurately forecasting our businesses. We will continue to focus our core origination expertise on adjustable rate multifamily and commercial real estate lending and we have established an internal goal of growing total assets in the range of 20% to 25% during 2006. Despite the challenges, we remain confident in our business strategy and in our ability to continue to grow our lines of business profitably.”

CONFERENCE CALL AND WEBCAST INFORMATION

Analysts, investors, and the general public may listen to the Company’s discussion of its fourth quarter’s earnings and performance and participate in the question/answer session by using the phone number listed below, or through a live video webcast of the conference available through a link on the home page of the Company’s website at www.commercialcapital.com. The multimedia webcast enables conference

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participants to experience the conference with greater impact by simultaneously viewing the video broadcast as well as tables, charts, and speaker’s notes. The webcast also allows participants to interact with the speakers through a live web-based question and answer session. Windows Media player is required for viewing the video webcast. It is recommended that participants dial into the conference call, or log into the webcast, approximately 5 to 10 minutes prior to the call.

Conference Call	Webcast
Date: Monday, January 23, 2006	Date: Monday, January 23, 2006
Time: 7:00 a.m. PST (10:00 a.m. EST)	Time: 7:00 a.m. PST (10:00 a.m. EST)
Phone Number (800) 638-4930	Webcast URL: www.commercialcapital.com
International Dial In (617) 614-3944	Windows Media player is required
Access Code: 65748596

Replay Information: for those who are unable to participate in the call or webcast live, an archive of the webcast will be available on the Company’s website at www.commercialcapital.com beginning approximately 2 hours following the end of the call. A replay of the call will be available approximately 2 hours after the call’s conclusion. To listen to the call replay dial (888) 286-8010, or for international callers dial (617) 801-6888, the access code for either replay number is 56896605. The webcast archive and call replay will be available until March 7, 2006.

Commercial Capital Bancorp, Inc. is a diversified financial services company with $5.46 billion of total assets, at December 31, 2005. The Company provides depository and lending products and services under the Commercial Capital Bank brand name, and provides 1031 exchange services to income property investors nationwide under the TIMCOR Exchange Corporation and North American Exchange Company brand names.

This release and the aforementioned conference call and webcast may include forward-looking statements related to the Company’s plans, beliefs and goals, and its proposed acquisition of Calnet 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; and changes in the securities markets. With respect to its proposed Calnet acquisition, these risks and uncertainties include, but are not limited to governmental approval of the merger may not be obtained or adverse regulatory conditions may be imposed in connection with governmental approvals of the merger and that the stockholders of Calnet may fail to provide the required approval to consummate the merger. The Company undertakes no obligation to revise or publicly release any revision to these forward-looking statements.

This press release may be deemed to be solicitation material with respect to the proposed acquisition of Calnet and the issuance of shares of common stock by the Company pursuant to the merger. In connection with the proposed transaction, a registration statement on Form S-4 has been filed with the SEC. The registration statement contains a proxy statement/prospectus that has been distributed to the shareholders of Calnet in connection with their vote on the merger. SHAREHOLDERS OF CALNET ARE ENCOURAGED TO READ THE REGISTRATION STATEMENT AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, INCLUDING THE PROXY STATEMENT/PROSPECTUS THAT IS PART OF THE REGISTRATION STATEMENT, BECAUSE THEY CONTAIN IMPORTANT INFORMATION ABOUT THE PROPOSED MERGER. Investors and security holders may obtain the documents free of charge at the SEC’s website, www.sec.gov. In addition, investors may

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obtain free copies of the documents filed with the SEC by the Company by contacting: Investor Relations, Commercial Capital Bancorp, Inc., 8105 Irvine Center Drive, 15^th Floor Irvine, CA 92618, telephone: 949-585-7500 or by visiting the Company’s website at www.commercialcapital.com, or from Calnet by contacting Kevin R. Watson, Chief Financial Officer, Calnet Business Bank, 1565 Exposition Blvd., Sacramento, CA 95815, telephone: 916-927-7000 or by visiting Calnet’s website at www.Calnetbank.com.

Contact:
Commercial Capital Bancorp, Inc.
Stephen H. Gordon, Chairman and CEO
James H. Leonetti, Chief Financial Officer and EVP

Telephone:	(949) 585-7500
Facsimile:	(949) 585-0174

ⁱ        Total revenue is defined as interest income plus noninterest income.

ⁱⁱ      Net interest margin, Non-GAAP excludes purchase accounting adjustments related to the acquisition of Hawthorne Financial Corporation.

ⁱⁱⁱ     The Company defines core loan fundings to exclude those loans funded through its strategic alliance with Greystone Servicing Corporation, a Fannie Mae DUS lender, and the Company’s other broker and conduit channels.

^iv      The Company defines total loan fundings to include loans that are originated or purchased by the Company during the period.

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COMMERCIAL CAPITAL BANCORP, INC.
UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(Dollars in Thousands)

	Dec. 31, 2005			Sept. 30, 2005			June 30, 2005			Mar. 31, 2005			Dec. 31, 2004
ASSETS
Cash and Cash Equivalents	$	33,735		$	69,112		$	33,812		$	78,775		$	16,961
Securities Available For Sale		384,144			408,338			444,456			464,689			491,265
FHLB Stock		84,788			84,314			98,943			97,007			96,046
Loans Held for Investment
Single Family		394,678			246,400			196,605			209,480			841,818
Multifamily		3,050,931			2,897,778			2,807,503			2,633,004			2,396,788
Commercial Real Estate		601,665			534,599			518,106			440,088			420,015
Construction		202,237			186,583			190,302			225,650			225,058
Land		74,948			48,414			43,946			50,182			56,308
Total Real Estate Loans		4,324,459			3,913,774			3,756,462			3,558,404			3,939,987
Business and Other Loans		12,396			18,085			18,723			19,364			16,360
Total Loans Held for Investment		4,336,855			3,931,859			3,775,185			3,577,768			3,956,347
Net Deferred Fees, Premiums and Discounts		3,427			319			(1,815	)		(4,798	)		(5,708	)
Allowance for Loan Losses		(28,705	)		(28,723	)		(28,731	)		(28,743	)		(36,835	)
Total Loans Held for Investment, Net		4,311,577			3,903,455			3,744,639			3,544,227			3,913,804
Loans Held for Sale		23,961			165,760			304,723			612,549			976
Total Loans		4,335,538			4,069,215			4,049,362			4,156,776			3,914,780
Fixed Assets - Net		15,838			16,624			16,905			16,419			10,318
Foreclosed Assets		—			—			—			—			—
Accrued Interest Receivable		21,909			19,652			18,872			19,374			17,120
Goodwill		397,164			394,080			394,080			377,726			357,367
Core Deposit Intangible		5,251			5,414			5,576			5,739			5,902
Bank-Owned Life Insurance		114,409			93,290			47,525			47,081			46,277
Affordable Housing Investments		33,035			33,956			34,877			35,798			36,719
Other Assets		37,738			41,664			35,593			33,961			31,169
TOTAL ASSETS	$	5,463,549		$	5,235,659		$	5,180,001		$	5,333,345		$	5,023,924
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
Demand Deposits - Noninterest-Bearing	$	141,597		$	140,185		$	127,300		$	110,741		$	97,931
Demand Deposits - Interest-Bearing		71,386			74,063			74,941			78,611			78,003
Money Market Checking		348,137			212,637			243,337			316,639			473,344
Money Market Savings		372,230			438,313			313,158			195,875			245,306
Savings		147,386			173,481			218,573			281,766			336,474
Total Transaction Deposits		1,080,736			1,038,679			977,309			983,632			1,231,058
Retail Time Deposits		1,028,546			1,001,281			939,410			933,209			932,562
Broker Time Deposits		150,800			55,845			115,895			115,199			93,161
Total Time Deposits		1,179,346			1,057,126			1,055,305			1,048,408			1,025,723
Total Deposits		2,260,082			2,095,805			2,032,614			2,032,040			2,256,781
Borrowings
FHLB Advances		1,597,806			1,510,917			1,521,028			2,015,338			1,856,349
Exchange Balances		623,284			679,526			685,551			370,202			—
Junior Subordinated Debentures		149,962			150,107			150,253			150,398			135,079
Other Borrowings		72,000			69,000			65,000			61,000			101,000
Total Borrowings		2,443,052			2,409,550			2,421,832			2,596,938			2,092,428
Other Liabilities		62,298			49,578			57,098			51,589			49,499
TOTAL LIABILITIES		4,765,432			4,554,933			4,511,544			4,680,567			4,398,708
STOCKHOLDERS’ EQUITY		698,117			680,726			668,457			652,778			625,216
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$	5,463,549		$	5,235,659		$	5,180,001		$	5,333,345		$	5,023,924

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COMMERCIAL CAPITAL BANCORP, INC.
UNAUDITED CONSOLIDATED STATEMENTS OF INCOME
(Dollars in Thousands)

	Three Months Ended
	Dec. 31, 2005			Sept. 30, 2005		June 30, 2005		Mar. 31, 2005			Dec. 31, 2004
Interest Income
Loans	$	63,579		$	60,148	$	58,540	$	55,905		$	54,221
Securities		4,431			4,698		4,990		5,219			5,285
FHLB Stock		1,003			935		1,086		1,034			860
Fed Funds and Other		75			83		62		83			27
Total Interest Income		69,088			65,864		64,678		62,241			60,393
Interest Expense
Deposits		15,175			12,852		10,861		9,874			9,174
FHLB Advances		11,656			10,139		10,923		11,145			10,717
Exchange Balances		1,527			1,552		1,147		341			—
Junior Subordinated Debentures		2,644			2,481		2,307		2,043			1,770
Other Borrowings		683			575		515		504			264
Total Interest Expense		31,685			27,599		25,753		23,907			21,925
Net Interest Income		37,403			38,265		38,925		38,334			38,468
Recapture of Allowance for Loan Losses		—			—		—		(8,109	)		—
Net Interest Income after Recapture of Allowance for Loan Losses		37,403			38,265		38,925		46,443			38,468
Noninterest Income
Loan Related Fees		1,311			1,380		1,519		1,058			1,591
Retail Banking Fees		513			558		509		531			546
Mortgage Banking Fees		131			136		108		40			122
1031 Exchange Fees		1,301			1,620		1,347		374			—
Gain on Sale of Loans		534			1,494		2,757		645			3,809
Gain on Sale of Securities		—			—		—		—			—
Other Income		2,276			2,246		658		1,100			622
Total Noninterest Income		6,066			7,434		6,898		3,748			6,690
Noninterest Expenses
Compensation and Benefits		10,544			9,251		7,235		6,619			6,120
Non-Cash Stock Compensation		548			865		393		241			29
Occupancy and Equipment		2,206			2,219		2,052		2,159			2,096
Marketing		311			393		619		654			498
Technology		770			746		646		612			538
Professional and Consulting		1,847			2,482		694		498			440
Insurance Premiums and Assessment Costs		620			602		574		568			579
Merger-Related		13			—		—		—			282
(Recapture of) Provision for Reserve for Unfunded Commitments		(2	)		56		—		(1,490	)		(416	)
Other Expenses		3,675			3,251		3,055		2,793			2,539
Total G&A Expenses		20,532			19,865		15,268		12,654			12,705
Early Extinguishment of Debt		—			—		—		—			—
Amortization of Core Deposit Intangible		163			163		162		163			203
Total Noninterest Expenses		20,695			20,028		15,430		12,817			12,908
Income Before Taxes		22,774			25,671		30,393		37,374			32,250
Income Tax Expense		7,673			8,835		11,068		14,287			12,016
Net Income	$	15,101		$	16,836	$	19,325	$	23,087		$	20,234

9/19

COMMERCIAL CAPITAL BANCORP, INC.
UNAUDITED CONSOLIDATED STATEMENTS OF INCOME
(Dollars in Thousands)

	Twelve Months Ended
	Dec. 31, 2005			Dec. 31, 2004
Interest Income
Loans	$	238,173		$	146,685
Securities		19,338			23,058
FHLB Stock		4,058			2,811
Fed Funds and Other		302			82
Total Interest Income		261,871			172,636
Interest Expense
Deposits		48,762			26,137
FHLB Advances		43,863			27,731
Exchange Balances		4,566			—
Junior Subordinated Debentures		9,475			5,005
Other Borrowings		2,278			741
Total Interest Expense		108,944			59,614
Net Interest Income		152,927			113,022
Recapture of Allowance for Loan Losses		(8,109	)		—
Net Interest Income after Recapture of Allowance for Loan Losses		161,036			113,022
Noninterest Income
Loan Related Fees		5,268			5,194
Retail Banking Fees		2,112			1,347
Mortgage Banking Fees		416			566
1031 Exchange Fees		4,641			—
Gain on Sale of Loans		5,429			4,022
Gain on Sale of Securities		—			2,152
Other Income		6,281			1,806
Total Noninterest Income		24,147			15,087
Noninterest Expenses
Compensation and Benefits		33,649			17,930
Non-Cash Stock Compensation		2,047			117
Occupancy and Equipment		8,637			5,301
Marketing		1,977			1,602
Technology		2,774			1,375
Professional and Consulting		5,521			1,220
Insurance Premiums and Assessment Costs		2,365			1,697
Merger-Related		13			1,196
Recapture of Reserve for Unfunded Commitments		(1,436	)		—
Other Expenses		12,773			5,546
Total G&A Expenses		68,320			35,984
Early Extinguishment of Debt		—			1,204
Amortization of Core Deposit Intangible		651			464
Total Noninterest Expenses		68,971			37,652
Income Before Taxes		116,212			90,457
Income Tax Expense		41,863			34,195
Net Income	$	74,349		$	56,262

10/19

COMMERCIAL CAPITAL BANCORP, INC.
Five Quarter Summary of Yields Earned and Rates Paid

	Three Months Ended
	Dec. 31, 2005			Sept. 30, 2005			June 30, 2005			Mar. 31, 2005			Dec. 31, 2004
Interest-Earning Assets
Loans		6.10	%		5.88	%		5.61	%		5.46	%		5.47	%
Securities		4.40			4.39			4.37			4.33			4.29
FHLB Stock		4.75			4.23			4.42			4.28			3.72
Cash and Cash Equivalents		3.37			3.46			2.69			2.37			2.21
Total Yield on Interest-Earning Assets		5.93			5.70			5.46			5.31			5.30
Interest-Bearing Liabilities
Transaction Accounts		2.48			2.17			1.85			1.69			1.66
Certificates of Deposits		3.45			3.03			2.62			2.24			1.76
FHLB Advances		3.19			2.74			2.51			2.33			2.19
Exchange Balances		0.86			0.88			0.85			0.76			—
Junior Subordinated Debentures		6.99			6.55			6.15			5.71			5.21
Other Borrowings		4.06			3.52			2.99			2.51			2.01
Cost on Interest-Bearing Liabilities		2.87			2.54			2.34			2.21			2.04
Cost of Funds		2.78			2.46			2.27			2.16			2.00
Interest Rate Spread		3.06			3.16			3.12			3.10			3.26
Net Interest Margin		3.21			3.31			3.28			3.27			3.38

11/19

COMMERCIAL CAPITAL BANCORP, INC.
Average Balances, Net Interest Income, Yields Earned and Rates Paid
(Dollars in Thousands)

	Three Months Ended
	Dec. 31, 2005							Dec. 31, 2004
	Average				Average			Average				Average
	Balance		Interest		Yield/Cost			Balance		Interest		Yield/Cost
Interest-Earning Assets:
Total Loans(1)	$	4,167,744	$	63,579		6.10	%	$	3,965,200	$	54,221		5.47	%
Securities(2)		402,661		4,431		4.40			492,297		5,285		4.29
FHLB Stock		84,456		1,003		4.75			92,491		860		3.72
Cash and Cash Equivalents(3)		8,904		75		3.37			4,880		27		2.21
Total Interest-Earning Assets		4,663,765		69,088		5.93			4,554,868		60,393		5.30
Noninterest-Earning Assets		602,356							475,741
Total Assets	$	5,266,121						$	5,030,609
Interest-Bearing Liabilities:
Deposits:
Transaction Accounts(4)	$	918,067		5,730		2.48		$	1,084,645		4,534		1.66
Certificates of Deposits		1,087,314		9,445		3.45			1,049,900		4,640		1.76
Total Deposits		2,005,381		15,175		3.00			2,134,545		9,174		1.71
FHLB Advances		1,450,059		11,656		3.19			1,945,610		10,717		2.19
Exchange Balances		701,815		1,527		0.86			—		—		—
Junior Subordinated Debentures		150,057		2,644		6.99			135,175		1,770		5.21
Other Borrowings (5)		66,818		683		4.06			52,248		264		2.01
Total Interest-Bearing Liabilities		4,374,130		31,685		2.87			4,267,578		21,925		2.04
Noninterest-Bearing Deposits		147,346							98,828
Other Noninterest-Bearing Liabilities		49,887							44,302
Total Liabilities		4,571,363							4,410,708
Stockholders’ Equity		694,758							619,901
Total Liabilities and Stockholders’ Equity	$	5,266,121						$	5,030,609
Net Interest-Earning Assets	$	289,635						$	287,290
Net Interest Income/Interest Rate Spread			$	37,403		3.06	%			$	38,468		3.26	%
Net Interest Margin						3.21	%						3.38	%

(1)	The average balance of loans receivable includes loans held for sale and is presented without reduction for the allowance for loan losses.
(2)	Consists of mortgage-backed securities and U.S. government securities which are classified as available-for-sale, excluding the unrealized gains or losses on these securities.
(3)	Consists of cash in interest-earning accounts and federal funds sold.
(4)	Consists of savings, money market accounts and other interest-bearing deposits.
(5)	Consists of federal funds purchased.

12/19

COMMERCIAL CAPITAL BANCORP, INC.
Average Balances, Net Interest Income, Yields Earned and Rates Paid
(Dollars in Thousands)

	Twelve Months Ended
	Dec. 31, 2005							Dec. 31, 2004
	Average Balance		Interest		Average Yield/Cost			Average Balance		Interest		Average Yield/Cost
Interest-Earning Assets:
Total Loans (1)	$	4,133,437	$	238,173		5.76	%	$	2,706,840	$	146,685		5.42	%
Securities (2)		442,145		19,338		4.37			537,505		23,058		4.29
FHLB Stock		91,914		4,058		4.41			70,565		2,811		3.98
Cash and Cash Equivalents (3)		10,423		302		2.90			5,703		82		1.44
Total Interest-Earning Assets		4,677,919		261,871		5.60			3,320,613		172,636		5.20
Noninterest-Earning Assets		547,836							300,211
Total Assets	$	5,225,755						$	3,620,824
Interest-Bearing Liabilities:
Deposits:
Transaction Accounts (4)	$	912,564		18,654		2.04		$	818,594		13,864		1.69
Certificates of Deposits		1,058,664		30,108		2.84			757,734		12,273		1.62
Total Deposits		1,971,228		48,762		2.47			1,576,328		26,137		1.66
FHLB Advances		1,649,162		43,863		2.66			1,398,274		27,731		1.98
Exchange Balances		533,120		4,566		0.86			—		—		—
Junior Subordinated Debentures		148,918		9,475		6.36			102,372		5,005		4.89
Other Borrowings (5)		70,555		2,278		3.23			49,467		741		1.50
Total Interest-Bearing Liabilities		4,372,983		108,944		2.49			3,126,441		59,614		1.91
Noninterest-Bearing Deposits		130,913							71,884
Other Noninterest-Bearing Liabilities		51,299							27,678
Total Liabilities		4,555,195							3,226,003
Stockholders’ Equity		670,560							394,821
Total Liabilities and Stockholders’ Equity	$	5,225,755						$	3,620,824
Net Interest-Earning Assets	$	304,936						$	194,172
Net Interest Income/Interest Rate Spread			$	152,927		3.11	%			$	113,022		3.29	%
Net Interest Margin						3.27	%						3.40	%

(1)	The average balance of loans receivable includes loans held for sale and is presented without reduction for the allowance for loan losses.
(2)	Consists of mortgage-backed securities and U.S. government securities which are classified as available-for-sale, excluding the unrealized gains or losses on these securities.
(3)	Consists of cash in interest-earning accounts and federal funds sold.
(4)	Consists of savings, money market accounts and other interest-bearing deposits.
(5)	Consists of securities sold under agreements to repurchase, federal funds purchased, warehouse line of credit and other short-term borrowings.

13/19

COMMERCIAL CAPITAL BANCORP, INC.
UNAUDITED PERFORMANCE RATIOS AND OTHER DATA
(Dollars in Thousands, except share data)

	Twelve Months Ended
	Dec. 31, 2005			Dec. 31, 2004
Operational Ratios
Earnings per Share - Basic	$	1.35		$	1.29
Earnings per Share - Diluted		1.29			1.21
Return on Average Assets		1.42	%		1.55	%
Return on Average Tangible Assets		1.54			1.65
Return on Average Stockholders’ Equity		11.09			14.25
Return on Average Tangible Stockholders’ Equity		26.61			31.14
Common Shares Outstanding at End of Period		56,487,280			54,519,579
Weighted Average Shares Outstanding — Basic		55,209,991			43,749,774
Weighted Average Shares Outstanding — Diluted		57,491,258			46,351,889
Shares Repurchased During the Period		1,036,400			831,700
Efficiency Ratio		38.58			28.09
G&A to Average Assets		1.31			0.99
Effective Tax Rate		36.02			37.80
Core Loan Fundings	$	2,449,284		$	1,689,702
Total Loan Fundings		2,558,472			1,850,029
Multifamily Fundings as a % of Total Fundings		50	%		62	%
Adjustable Rate Core Loan Fundings	$	2,375,940		$	1,670,805
12MAT Core Loan Fundings		1,339,048			1,084,701
Fixed Rate Core Loan Fundings		73,344			18,897
Loans Sold		748,288			182,109
Net Charge-Offs <Recoveries>		21		$	<8>

14/19

COMMERCIAL CAPITAL BANCORP, INC.
UNAUDITED PERFORMANCE RATIOS AND OTHER DATA
(Dollars in Thousands, except share data)

	Three Months Ended
	Dec. 31, 2005			Sept. 30, 2005			June 30, 2005			Mar. 31, 2005			Dec. 31, 2004
Operational Ratios
Earnings per Share - Basic	$	0.27		$	0.30		$	0.35		$	0.42		$	0.37
Earnings per Share - Diluted		0.26			0.29			0.34			0.40			0.36
Return on Average Assets		1.15	%		1.30	%		1.47	%		1.78	%		1.61	%
Return on Average Tangible Assets		1.24			1.41			1.59			1.92			1.73
Return on Average Stockholders’ Equity		8.69			9.89			11.62			14.41			13.06
Return on Average Tangible Stockholders’ Equity		20.59			23.93			28.11			34.49			31.55
Common Shares Outstanding at End of Period		56,487,280			55,640,363			55,388,061			55,416,348			54,519,579
Weighted Average Shares Outstanding -- Basic		55,578,219			55,244,376			55,186,788			54,821,891			54,399,694
Weighted Average Shares Outstanding -- Diluted		57,590,506			57,565,159			57,522,870			57,277,806			56,947,525
Shares Repurchased During the Period		—			72,000			260,000			704,400			174,300
Efficiency Ratio		47.23	%		43.47	%		33.32	%		30.07	%		28.13	%
G&A to Average Assets		1.56			1.53			1.16			0.98			1.01
Effective Tax Rate		33.69			34.42			36.42			38.23			37.26
Core Loan Fundings	$	684,656		$	570,196		$	599,303		$	595,129		$	495,730
Total Loan Fundings		716,039			609,894			624,715			607,824			540,783
Multifamily Fundings as a % of Total Fundings		47	%		49	%		51	%		56	%		59	%
Adjustable Rate Core Loan Fundings	$	647,593		$	557,175		$	578,354		$	592,818		$	487,234
12MAT Core Loan Fundings		372,322			349,711			304,268			312,747			281,089
Fixed Rate Core Loan Fundings		37,063			13,021			20,949			2,311			8,496
Loans Sold		45,794			160,507			386,144			155,843			166,257
Balance Sheet Ratios & Data
Tangible Assets		5,061,134			4,836,165			4,780,345			4,949,880			4,660,655
Tangible Equity		295,702			281,232			268,801			269,313			261,947
Equity to Assets at End of Period		12.78	%		13.00	%		12.90	%		12.24	%		12.44	%
Tangible Equity to Assets at End of Period		5.41			5.37			5.19			5.05			5.21
Tangible Equity to Tangible Assets at End of Period		5.84			5.82			5.62			5.44			5.62
Nonperforming Assets	$	8,581		$	8,935		$	12,098		$	6,475		$	6,601
Nonperforming Assets to Total Assets		0.16	%		0.17	%		0.23	%		0.12	%		0.13	%
Allowance for Loan Losses to Loans Held for Investment at End of Period		0.66			0.73			0.76			0.80			0.93
Allowance for Loan Losses to Nonaccrual Loans		335			321			237			444			558
Net Charge-Offs <Recoveries>	$	18		$	8		$	12		$	<17	>	$	11
Per Share Data
Book value Per Share		12.36			12.23			12.07			11.78			11.47
Tangible Book Value per Share		5.23			5.05			4.85			4.86			4.80

15/19

COMMERCIAL CAPITAL BANCORP, INC.
Loans Funded by Product Type
(Dollars in Thousands)

	Three Months Ended
	Dec. 31, 2005		Sept. 30, 2005		June 30, 2005		Mar. 31, 2005		Dec. 31, 2004
Real Estate Originations
Multifamily	$	253,989	$	297,477	$	290,604	$	338,313	$	320,383
Commercial Real Estate		80,664		54,277		38,371		45,435		18,706
Total Income Property		334,653		351,754		328,975		383,748		339,089
Single Family Residential		81,884		96,644		122,669		146,539		110,065
Construction & Land		150,669		103,347		43,270		47,908		44,226
Total Real Estate Loan Originations		567,206		551,745		494,914		578,195		493,380
Real Estate Loans Purchased
Multifamily		80,201		1,136		28,965		—		—
Commercial Real Estate		23,592		—		71,124		—		—
Total Income Property		103,793		1,136		100,089		—		—
Construction & Land		10,482		8,815		—		10,685		—
Total Real Estate Loans Purchased		114,275		9,951		100,089		10,685		—
Total Real Estate Fundings		681,481		561,696		595,003		588,880		493,380
Bank Business and Other Originations		3,175		8,500		4,300		6,249		2,350
Total Core Loan Fundings		684,656		570,196		599,303		595,129		495,730
Broker/Conduit Originations		31,383		39,698		25,412		12,695		45,053
Total Loan Fundings	$	716,039	$	609,894	$	624,715	$	607,824	$	540,783

16/19

COMMERCIAL CAPITAL BANCORP, INC.
LOAN FUNDINGS by INTEREST TYPE
Three Months Ended December 2005
(Dollars in Thousands)

	Fixed		12mat		CMT		LIBOR		COFI		Prime		Other		Total
Real Estate Originations
Multifamily	$	10,285	$	198,548	$	—	$	13,758	$	30,398	$	1,000	$	—	$	253,989
Commercial Real Estate		11,741		21,898		43,210		3,815		—		—		—		80,664
Total Income Property		22,026		220,446		43,210		17,573		30,398		1,000		—		334,653
Single Family Residential		430		75,927		4,479		—		—		1,048		—		81,884
Construction & Land		7,000		1,740		—		3,500		—		138,429		—		150,669
Total Real Estate Loan Originations		29,456		298,113		47,689		21,073		30,398		140,477		—		567,206
Real Estate Loans Purchased																—
Multifamily		—		74,209		—		3,823		—		2,169		—		80,201
Commercial Real Estate		—		—		—		—		—		23,592		—		23,592
Total Income Property		—		74,209		—		3,823		—		25,761		—		103,793
Construction & Land		7,607		—		—		—		—		2,875		—		10,482
Total Real Estate Loans Purchased		7,607		74,209		—		3,823		—		28,636		—		114,275
Total Real Estate Fundings		37,063		372,322		47,689		24,896		30,398		169,113		—		681,481
Bank Business and Other Originations		—		—		—		—		—		—		3,175		3,175
Total Core Loan Fundings	$	37,063	$	372,322	$	47,689	$	24,896	$	30,398	$	169,113	$	3,175	$	684,656
Broker/Conduit Originations																31,383
Total Loan Fundings															$	716,039

17/19

COMMERCIAL CAPITAL BANCORP, INC.
Reconciliation of Non-GAAP Financial Measures
(Dollars in Thousands, except per share data)

The following tables provide a reconciliation of the Company’s reported net interest margin and net interest spread compared to adjusted net interest margin and net interest spread excluding the net effect of the amortization or accretion of premiums or discounts resulting from the purchase accounting adjustments due to the Hawthorne acquisition:

	Q4 2005 As Reported						Excluding Premium/Discount Effect						Q4 2005 Adjusted
	Average Balance		Interest		Avg. Yield/Cost		Average Balance			Interest			Average Balance		Interest		Avg. Yield/Cost
Total Interest-Earning Assets	$	4,663,765	$	69,088	5.93	%	$	3,001		$	(572	)	$	4,666,766	$	68,516	5.87	%
Total Interest-Bearing Liabilities		4,374,130		31,685	2.87	%		(2,875	)		309		$	4,371,255		31,994	2.90	%
Net Interest Income/Interest Rate Spread			$	37,403	3.06	%				$	(881	)			$	36,522	2.97	%
Net Interest Margin					3.21	%											3.13	%

	Q4 2004 As Reported						Excluding Premium/Discount Effect						Q4 2004 Adjusted
	Average Balance		Interest		Avg. Yield/Cost		Average Balance			Interest			Average Balance		Interest		Avg. Yield/Cost
Total Interest-Earning Assets	$	4,554,868	$	60,393	5.30	%	$	11,643		$	(2,400	)		4,566,511	$	57,993	5.08	%
Total Interest-Bearing Liabilities		4,267,578		21,925	2.04	%		(4,893	)		962			4,262,685		22,887	2.14	%
Net Interest Income/Interest Rate Spread			$	38,468	3.26	%				$	(3,362	)			$	35,106	2.94	%
Net Interest Margin					3.38	%											3.08	%

The following tables provide a reconciliation of the Company’s net income and total general and administrative expenses excluding the effect of the expenses related to the Commercial Banking Division. Management believes that the performance of the Commercial Banking Division and its impact on the Company’s overall financial condition and results of operations will be more evident when the Division is able to operate without limitations imposed by the litigation process. Accordingly, management believes that the exclusion of direct organization, start-up and litigation costs related to the Division will provide a more meaningful presentation of the Company’s fourth quarter results of operations.

	Three Months Ended Dec. 31, 2005
Net Income
Net Income - as Reported	$	15,101
Adjustments Related to the Commercial Banking Division:
Add: Reversal of Compensation Expenses		1,015
Add: Reversal of Professional Expenses		1,188
Add: Reversal of Other Operating Expenses		71
Less: Tax Effect (42%)		(955	)
Net Income - Non-GAAP	$	16,420

	Three Months Ended Dec. 31, 2005
Total General and Administrative Expense
Total General and Administrative Expense - as Reported	$	20,532
Adjustments Related to the Commercial Banking Division:
Less: Compensation Expenses		(1,015	)
Less: Professional Expenses		(1,188	)
Less: Other operating Expenses		(71	)
Total General and Administrative Expense - Non-GAAP	$	18,258

Selected Financial Highlights:

	Three Months Ended Dec. 31, 2005				Three Months Ended Dec. 31, 2005
	Non-GAAP				GAAP
Basic EPS		$	0.30			$	0.27
Diluted EPS			0.29				0.26
Return on Average Assets1			1.25	%			1.15	%
Return on Tangible Assets1			1.35				1.24
Return on Average Equity1			9.45				8.69
Return on Average Tangible Equity1			22.39				20.59
Efficiency Ratio			42.00				47.23
G&A to Average Assets1			1.39				1.56

¹ Average asset and equity balances were not adjusted for purposes of calculating these Non-GAAP financial ratios

18/19

COMMERCIAL CAPITAL BANK, FSB
Selected Financial Data
(Dollars in Thousands)

	Dec. 31, 2005			Dec. 31, 2004
ASSETS
Cash and Cash Equivalents	$	32,843		$	16,609
Securities Available for Sale		382,642			489,371
FHLB Stock		84,788			96,046
Loans Held For Investment
Single Family		394,678			841,818
Multifamily		3,050,139			2,396,788
Commercial Real Estate		601,665			420,015
Construction		202,237			225,058
Land		74,948			56,308
Total Real Estate Loans		4,323,667			3,939,987
Business & Other Loans		12,283			16,360
Total Loans Held for Investment		4,335,950			3,956,347
Net Deferred Fees, Premiums and Discounts		4,779			(3,326	)
Allowance for Loan Losses		(28,705	)		(36,835	)
Total Loans Held for Investment, Net		4,312,024			3,916,186
Loans Held For Sale		22,999			—
Total Loans		4,335,023			3,916,186
Other Assets		562,060			489,183
TOTAL ASSETS	$	5,397,356		$	5,007,395
LIABILITIES AND STOCKHOLDER’S EQUITY
Deposits
Demand Deposits - Noninterest-Bearing	$	178,139		$	101,119
Demand Deposits - Interest-Bearing		71,386			78,003
Money Market Checking		749,689			478,505
Money Market Savings		553,561			245,306
Savings		147,401			336,474
Total Transaction Deposits		1,700,176			1,239,407
Total Time Deposits		1,179,346			1,025,723
Total Deposits		2,879,522			2,265,130
Borrowings		1,669,806			1,957,349
Other Liabilities		54,239			55,530
TOTAL LIABILITIES		4,603,567			4,278,009
STOCKHOLDER’S EQUITY		793,789			729,386
TOTAL LIABILITIES AND STOCKHOLDER’S EQUITY	$	5,397,356		$	5,007,395

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