CAPX Elkhorn S&P 500 Capital Expenditures Portfolio

Capital Crossing Bank (NASDAQ:CAPX) (the "Bank") will release its fourth quarter and year-end earnings after the market closes on Tuesday, January 24, 2006 and will hold a conference call for investors on Wednesday, January 25, 2006 at 11:00 a.m., Eastern Time. The conference call will be broadcast over the investor relations page of the Bank's website at www.capitalcrossing.com. For those who cannot listen to the live broadcast, an audio replay of the call will be available on the website or via telephone at 888-203-1112, access code #3409329. A replay of the call will be available beginning at approximately 3:00 p.m. on January 25, 2006 through midnight on February 1, 2006. Capital Crossing Bank is a Massachusetts-chartered, FDIC-insured trust company with $1.1 billion in assets as of September 30, 2005. The Bank operates as a commercial bank, providing financial products and services to customers through its executive and main offices in Boston, its website at www.capitalcrossing.com, and through its leasing subsidiary, Dolphin Capital Corp., located in Moberly, Missouri. The Bank is a value oriented investor in whole loans and loan portfolios generally secured by commercial, multi-family and one-to-four family residential real estate and other business assets.