Whatever the mind of man can conceive and believe, it can achieve. - Napoleon Hill

Welcome to the Summer edition of Community Bank of the Bay's Community Chatter. As a reminder, you can unsubscribe at any time using the link at the bottom of this email. The Chatter is a quarterly subscription. Enjoy!

Summer 2015
Issue 4
Annual Shareholders Meeting
Danville Office - May 29

Community Bank of the Bay (OTCBB:CBYAA) held the annual meeting of its shareholders at the Danville Office on May 29, 2015. President & CEO Bill Keller presented the highlights from 2014 and the forecast for 2015.

President Bill Keller Attends CDFI Peer Forum

President & CEO Bill Keller networking with other mission-driven bankers at CDBA Peer Forum in Washington D.C. photo credit: CBDA

On May 27-28, President & CEO Bill Keller joined  70 banking leaders from 44 community development banks across the United States, as well as representatives from the U.S. Treasury and the Consumer Financial Protection Bureau, in Washington D.C. for the 2015 Community Development Banking Association (CDBA) Peer Forum. The event provided a unique opportunity to network, exchange ideas and discuss the CDFI mission of delivering critical financial services to low and moderate income communities. In addition, he had the opportunity to give a presentation about our unique approach to financial literacy through our partnership with the Hidden Genius Project and Mindblown Labs, the creators of Thrive 'n' Shine. View the Presentation
CBB Featured in American Banker
"Why CDFIs stand out from the pack"

NCIF connects mission-oriented banks, investors, governmental and regulatory agencies, and service providers in the common interest of growing the industry and serving underbanked communities.

What do students think of Thrive N Shine?

What do students think about Thrive N Shine?

In This Issue
East Bay
Economic Outlook

Meet CBB's New CCO
John Z Barr, Chief Credit Officer at Community Bank of the Bay
John Z. Barr,
Chief Credit Officer
Read Press Release


Findley Reports Awards CBB "Super Premiere Performance" 

Like us on Facebook

Follow us on Twitter

Find us on Yelp

View our profile on LinkedIn

Cameron's Pub & Inn is located on the Cabrillo Highway in Half Moon Bay.
Client Success Story: Cameron's Inn & Pub
Relationship Manager: Karen Vandenberg contact

CBB Director Tracey Enfantino recently sat down with CBB client, and long-time Half Moon Bay resident and business owner Cameron Palmer, to check in, and get an update on business, and successful business environment we're seeing in the area. With so many of Community Bank of the Bay's clients- they have a notable history of how they achieved their success. We're proud to play a small bit role in that success.
Read more
CBB Cyber Security banner
Latest Threat - Cryptowall Ransomware Schemes
FBI Alert I-06232015-PSA

Criminals continue to defraud and extort funds from individuals and businesses using Crypotwall Ransomware, according to an FBI Public Service Announcement, which points out the continuing danger of clicking  on an infected advertisement, email, or attachment or visiting an infected website. Ransomware is a type of malware (or malicious software) that blocks access to a computer system or files until a monetary amount is paid.

Tips to protect yourself:
  • Always use antivirus software and a firewall. It's important to obtain and use antivirus software and firewalls from reputable companies. It's also important to continually maintain both of these through automatic updates.
  • Enable popup blockers. Popups are regularly used by criminals to spread malicious software. To avoid accidental clicks on or within popups, it's best to prevent them from appearing in the first place.
  • Always back up the content on your computer. If you back up, verify, and maintain offline copies of your personal and application data, ransomware scams will have limited impact on you. If you are targeted, instead of worrying about paying a ransom to get your data back, you can simply have your system wiped clean and then reload your files.
  • Be skeptical. Don't click on any emails or attachments you don't recognize, and avoid suspicious websites altogether.
Is your business ready for EMV?
October 1, 2015 is an important day for businesses that process payments. It is the deadline for merchant card processors to accept EMV cards. October 1st is also when fraud liability shifts to the business. Get the facts.
Rotary 2015 Enterprise Institute - April 17 - 19
Chief Lending Officer Wil Hobbs

The Enterprise Institute of the Rotary Club of Oakland was started in 1982; it was based on a program developed by the Los Angeles Rotary Club. The Enterprise Institute is one of Oakland Rotary's signature programs and touches between 60 and 80 high school juniors annually. Over the last 32 years the program has been refined into its present day form and it will continue to change as the times and business methods evolve. In the spirit of the program's refinement and evolution, in the Summer of 2014 Wil joined 4 other Rotarians who completely rewrote the program curriculum. The new curriculum was greeted with praise by students and Rotarians who participated in April. During the 2-1/2 days of the Institute, high school juniors from the public, private, and chartered high schools in Oakland,Piedmont and Emeryville work in groups of six- ten students. Each group also includes a Peer Counselor (a returning student participant from the previous year, now a senior) and at least one Rotarian. Each group is made up of students from different schools. 



Using short lectures and the case study method, after working through three scenarios and making interim presentations on their solutions, in their final exercise each group develops a business plan for their own product. This plan includes a product description, strategic SWOT analysis of each scenario, cost and revenue projections to influence and refine the strategic analysis, marketing plans, and a product "tag line" or slogan. On the last day, each student group presents their business plan to Rotarians and the other participants for consideration. Rotarian judges, acting as potential bankers, evaluate each team's presentation. Wil was the Institute's first "real" banker to act as a facilitator and judge. The Enterprise Institute is held at Camp Monte Toyon in the Santa Cruz Mountains' foothills near Aptos.

Read more

Elaine Sullivan, Accounting Specialist
CBB Staff Profile: Elaine Sullivan
Accounting Specialist
Been with CBB for 8 years

Photography, gardening, riding on the back of her husband's Harley Davidson.

Native of Philippines. 

Meet Our New Team Members

Oakland Makers
Mayor Libby Schaaf addresses Oakland Makers at Norton Factory Studios.
Oakland Makers Mixer with Mayor Libby Schaaf
Over 100 Oakland Makers gathered at Norton Studios in Jingletown to discuss issues related to manufacturing with Oakland Mayor Libby Schaaf, who considers herself "Made in Oakland", a tag line which she used in her campaign. 

After the Mayor gave updates and answered questions, the Makers broke out into groups to discuss a survey that was distributed regarding the Oakland Made brand design project. The cumulative results of the question, "Oaklanders Are..." can be seen in the image below. 

Business Liability Insurance: It's Not One Size Fits All Tips for Choosing the Right Coverage

Tips for small businesses on selecting Business Liability Insurance that are not from an insurance broker.
Relationship Manager Vicente Lopez sits on Spanish Speaking panel at City of Oakland sponsored Lender Day
Relationship Manager Vicente Lopez sits on Spanish Speaking panel at City of Oakland sponsored Lender Day
CBB sits on panels at Lender Day
Sponsored by City of Oakland on May 29
Alameda County Small Business Development Center hosted a panel called  Access to Capital and Community Bank of the Bay's SBA Business Development Officer Carol Vi-Thompson participated as a panelist. The SBDC received  tremendous feedback regarding the high level of expert guidance and variety of information the panel conveyed to the audience.  For information about accessing capital and SBA loans,  visit our website

CBB Celebrates Warriors Win @180 Grand

The Oakland Office had an exciting day on June 19th when the Golden State Warriors Parade came through Downtown Oakland. Located along on the parade route, with a spectacular view from Suite 1550 and the 5th floor where the property management threw a viewing party for the tenants and a front row seat from the porch, it was a great day to be in Oakland. If you missed it, we would like to offer you a chance to experience it as if you were there. View the CBB Virtual GSW Parade now on Flickr.  
GWS Parade Oakland Mayor and MC Hammer on Fire Snail
Oakland Mayor Libby Schaaf and MC Hammer ride the fire breathing steel snail.
Photo credit: Elaine Sullivan
CBB Partners with the City of Oakland's Oakland Maker Day
Relationship Manager Winter Williams facilitates a day of events for Oakland Manufacturers

New Client Spotlight: Children's Fairyland
Voted "Best Birthday Party Venue" by Parents' Press!

With close to 60 storybook sets, kid-size rides, friendly animals, puppet show, Children's Theater, arts and crafts, and special performances and located on 10 acres of gardens at Lake Merritt, Children's Fairyland is designed to delight visitors of all ages, but especially those under age eight. 

Daniel Fujimoto
VP Relationship Manager
(925) 272-4886
Daniel Fujimoto Accepted to Pacific Coast Banking School
CBB invests in its future leaders


Exciting things are happening in the life of our own Dan Fujimoto. In August he starts a three year program at Pacific Coast Banking School (PCBS).  PCBS's graduate-level curriculum, offered in partnership with the Graduate School of Business at the University of Washington, has been grooming banking leaders since 1938.  Daniel's acceptance is recognition of both his professional accomplishments and leadership potential. And... he is getting married!

Congratulations Dan!


CBB Saves the Day at the Chamber Golf Tournament - June 7th

It was one of the hottest days of the year so far in Danville. With the sun was blazing and the temperature at 105 degrees, one person came prepared. Walt Trembley sat on the 10th Hole and provided golfers with a frozen golf towel,  compliments of Community Bank of the Bay. Boy, were those golfers glad to see him! 

CBB Ribbon Cutting 4-7-15 San Mateo
Mark Roach cuts the ribbon while the Deputy Mayor of San Mateo holds it tight at San Mateo's Official Ribbon Cutting event April 7.
Lori (2nd from left) with her buddies at the Bubble Run.
Bubble Run is 1 of 3 for Lori in  San Mateo

When she isn't running the Operations in San Mateo, you can find Lori at the gym, on a run that is when she isn't hanging out with her daughter. She participated in the Bubble Run on June 13 in San Mateo. The question is, was it FUN? Um, not exactly. She said the ground conditions were not ideal. She is looking forward to The Giants Race in August and The Color Run in November.

Lori runs Operations in San Mateo. She can be reached at (650) 389-1010 or by email at larthur@bankcbb.com.

San Mateo County PRIDE Initiative

The San Mateo Office was pleased to participate in the 3rd Annual San Mateo County PRIDE Initiative which took place in Central Park. Dozens of other non-profits and businesses supported the event by having a booth. This is the only Pride event in the United States that is organized by a county agency. 

Read more

Silicon Valley CREW Cinco de Mayo Golf Tournament

Commercial Real Estate Women members  Karen Vandenberg and Director Tracey Enfantino played with CBB clients  Axis Mechanical, Inc. owners Jonathan Diaz, Tom Best and Mike Herrera.


Joe Morgan Celebrity Golf Tournament
July 20
More Info
Danville First Thursdays  Shop, Dine, Stroll Downtown Danville. Shops open from 6-9pm every first Thursday of the month. Aug 6
Sept 3
Fairyland for Grown-Ups, an Oaklandish Event Aug 11 Tickets on sale
July 11
Discover Danville Art & Wine Stroll Aug 20
6pm - 9pm
Oakland Art Murmur's Annual Benefit Oct 10
San Jose ChamberPac BBQ  Aug 27
Love Our Lake Day
Sept 20
Downtown San Mateo Wine Walk Oct 3

For questions about upcoming events, contact Helen Wyman, Marketing Specialist  at 
(510) 433-5436 or by email at hwyman@bankcbb.com.