Third Quarter 2016 Highlights:

• Net income for the quarter increased 90.7% year-over-year and 24.2% on a linked quarter basis.

• Diluted earnings per share grew 68.1% year-over-year.

• Loans increased 18.9% year-over-year and 3.9% on a linked quarter basis.

• Deposits grew 7.6% year- over-year and 2.3% from 2Q16.

• Demand Deposits were up 17.8% year-over-year and remained flat from 2Q16 to 3Q16. Demand Deposits
represented more than 28% of total deposits at September 30th.

• Non-performing assets declined to $0 from $347,000 a year ago.

• The Allowance for Loan Losses declined 3.5% in 3Q16 to 1.52% of Total Loans due to the growth in the loan
portfolio. The Allowance remains in a net recovery position year-to-date in FY2016.

• There has been no Provision for Loan Losses since FY2014.

Commenting on third quarter performance, President and CEO Luke Flatt had this to say:

“I am pleased to report that we continue to see significant improvement in the Bank’s performance as Net Income grew 90.7% year-over-year and 24.2% on a linked quarter basis. Year-to-date, Net Income is 70.8% higher than for the same nine-month period in 2015. The growth in Net Income is attributable to growth in loans and fee income and disciplined expense management.  The first three quarters of 2016 represent a period of controlled loan, deposit and balance sheet growth. This growth can be attributed to our ongoing efforts to broaden and deepen existing relationships and to bring aboard new relationships by offering sound advice and counsel to clients seeking financial solutions that are relevant to their needs.  Loans grew 18.9% year-over-year and 3.9% on a linked quarter basis. Credit quality remained strong as the growth in loans was achieved without compromising underwriting standards. At September 30th, there were no Non-Performing Assets on the books. In addition, the Company has not provided for loan losses since fiscal year 2014, yet the Allowance for Loan Losses remains healthy at 1.52% of Total Loans.  Deposits grew 7.6% year over year. I’m pleased to report that the deposit mix continued to shift toward demand deposits. Demand deposits grew 17.8% year-over-year and represented over 28% of Total Deposits at September 30th up from 26.2% of Total Deposits a year ago. Since clients typically maintain their Demand Deposits with their primary bank, the growth in Demand Deposits is a proxy for growth in relationships. On a linked quarter basis, Total Deposits grew 2.3%.  The future for Community Capital continues to look bright. We are operationally sound and our bankers are the best in the market. We believe by being disciplined in thought and action and by faithfully executing our plan over time, we will become the bank of choice for those seeking a consultative and lasting banking experience. This belief is supported in our performance through the first three quarters of 2016.”