Community Capital Bancshares : and AB&T Announce Earnings for the year ending December 31, 2021

2021

Dear Shareholders -

At AB&T, the arrival of 2022 not only marked the start of a new calendar year, but also an important leadership transition. Luke Flatt relinquished his responsibilities as chief executive officer to Perry Revell and as president to Matt Rushton, but continues as chairman of the board. We begin our tenures in these respective roles with gratitude and a sense of honor and purpose. Our expectation is to continue the important work of building upon the solid foundation and looking for new and exciting ways to serve our current and future clients as this community's enduring financial partner.

AB&T has firmly established itself as a community‐centric, premier financial institution dedicated to creating sustainable success for our clients and market, and that continued throughout 2021. Although a myriad of forces aligned to put pressure on our area, our Bank was able to not only weather those headwinds, but find opportunities to serve and strengthen our community, while still working toward what we know is a bright future. The Bank continued to be a positive force for good in our market and beyond, while simultaneously growing our core business, continuing to provide leading edge products and services, and exceeding our own financial predictions.

With our eyes on the future, we look back at 2021 with a sense of accomplishment and hope.

Net income rose to $1.98 million, which resulted in diluted earnings per common share of $1.56, up from $1.40 in 2020.

In 2021, total assets declined 8.76% to just over $257 million. This was the result of a decline of 9.91% in Total deposits as clients withdrew funds obtained through the Bank's participation in the Payroll Protection Program (PPP) and used them to support their economic recovery. Yet, even though deposits declined, the Bank's liquidity remains strong.

Adherence to sound credit quality and underwriting standards continues to guide loan generation and loan portfolio administration. The increase in non‐performing loans compared to 2020 was the result of the deterioration of a single relationship which is partially guaranteed by the Small Business Administration. We believe that the remaining balance is adequately protected from loss by the collateral supporting it. The overall quality of the loan portfolio remains strong.

Of note is that non‐interest expenses experienced a decline of 3.19% for the year. The decline was driven largely by operational efficiencies and disciplined expense management.

Throughout 2021, AB&T continued on its path toward being a valued leader in the community and providing superior financial returns to shareholders. The Bank was an active participant in round three of PPP, providing more than $8 million in loans to help clients weather the continued economic consequences of the pandemic. The Bank's ability to efficiently and effectively implement PPP is a

2815 Meredyth Drive

P.O. Drawer 71269

Albany, Georgia 31708-1269 229-446-BANK / 229-446-2265

Fax [phone]

testament to the ingenuity and capacity of our associates, who worked diligently to bring these benefits to bear. Their efforts during these extraordinarily difficult times reflect our commitment to our clients and community and to operational excellence, both which lie at the heart of AB&T.

Beyond banking, 2021 marked another year of focused commitment to bettering our community. Despite COVID‐19 surges, severe weather events and broader economic and geopolitical uncertainty the AB&T family repeatedly answered the call. Whether serving on civic and community boards, sponsoring youth sports, supporting our business community, volunteering for local nonprofits, or partnering with area schools, like Alice Coachman Elementary, to provide better opportunities and outcomes for our children, AB&T was there. This close connection is what makes us our community's enduring financial partner.

The past year also saw the expansion of our "Beyond the Bank" community‐focus platform, which is now entering its fifth year. As a vehicle for connecting and telling this community's story, Beyond the Bank has become a hallmark of our outreach and local leadership.

Started as a written blog focused on the talented and dedicated residents and organizations having a positive impact on the community, we worked diligently in 2021 to broaden the reach of Beyond the Bank by launching a new podcast component, aimed at tapping into the ever‐expanding market for audio content. Since debuting last May, the podcast's 23 episodes have been downloaded more than 1,500 times.

Like many of the successes of the past year, AB&T will continue to refine Beyond the Bank and the rest of our community impact initiatives throughout the coming year, while always striving to find new and innovative ways to deliver impactful financial solutions for our clients.

As 2022 unfolds, our efforts remain focused on our vision of being the Gold Standard of community banking. Our experience is deep and our vision is clear. Armed with the lessons of the past and a strong plan for tomorrow, the future is indeed bright for AB&T.

Sincerely,

R. Perry Revell

Chief Executive OfficerMatthew H. Rushton President

COMMUNITY CAPITAL BANCSHARES, INC.

AND SUBSIDIARY

CONSOLIDATED FINANCIAL REPORT

DECEMBER 31, 2021