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12/07/2011 Community Bank & Trust of Florida Proudly Supports United Way
10/31/2011 Community Bank & Trust of Florida Supports Making Strides Against Breast Cancer Walk
10/24/2011 Racheal Hatch to Serve on American Red Cross of North Central Floridas Board of Directors
10/12/2011 Community Bank & Trust of Florida Announces Earnings Results
10/11/2011 ICBA Urges Consumers: Go Local By Banking Locally with Your Community Bank
09/30/2011 Community Bank & Trust of Florida Proudly Supports National Estate Planning Awareness Week
09/06/2011 John Roberts to Serve as President of The Rotary Club of Greater Gainesville
08/24/2011 ICBA Offers Tips For Financial Preparedness in a Natural Disaster
08/18/2011 Emily Humphreys-Beher to Serve as President of Marion County Estate Planning Council
08/15/2011 Laura Schenck to Serve on the Belleview - South Marion Chamber of Commerce Board of Directors
08/15/2011 FDIC-Insured Deposits Are Safe in Community Banks
08/05/2011 Community Bank & Trust of Florida helps Stuff the Bus
06/14/2011 Jeff Baker to Serve on Project Hope Board of Directors
06/03/2011 Community Bank & Trust of Florida Promotes Financial Literacy in Local Schools
05/23/2011 ICBA Offers Tips for Travelers
05/24/2011 Racheal Hatch to Serve on Altrusa House of Gainesvilles Executive Board
05/10/2011 Local Community Banker Participates in ICBA Washington Policy Summit
03/21/2011 Community Bank & Trust of Florida Participates in Day of Caring
03/07/2011 Community Banks Offer Consumers the Best Protection
03/14/2011 CBTFL Introduces New Feedback Section
02/24/2011 FDIC Encourages American Consumers to Get in the Habit of Automatic Saving
02/22/2011 CBTFL Participates in Junior Achievement Public School Education
02/18/2011 CBTFL Proudly Supports United Way of Marion Countys VITA Program
02/14/2011 ICBAs "I Love My Community Bank" campaign launches
01/20/2011 CBTFL Announces Earning Results
01/07/2011 CBTFL Hosts the Artwork of Dr. Justine Vaughen
01/03/2011 Good Credit Is Key to a Solid Financial Future



Community Bank & Trust of Florida Proudly Supports United Way
   12/07/2011
Community Bank & Trust of Florida Proudly Supports United Way


Community Bank & Trust of Florida recently completed its annual United Way drive, encouraging employees to make donations to our local United Way organizations for the coming year. This year, employee pledges and the bank's corporate donation totaled $10,800! The total for the past 5 years of pledge drives has exceeded $60,000. United Way believes that everyone deserves opportunities to have a good life: a quality education that leads to a stable job, enough income to support a family through retirement, and good health. United Way's goal is to create long-lasting changes by addressing the underlying causes of these problems, and Community Bank & Trust of Florida is proud to support this.

Community Bank & Trust of Florida is a proud supporter of the United Way of Marion County, United Way of North Central Florida, and United Way of Lake & Sumter Counties.

For more information about United Way please visit www.liveunited.org




Community Bank & Trust of Florida Supports Making Strides Against Breast Cancer Walk
   10/31/2011
Community Bank & Trust of Florida Supports Making Strides Against Breast Cancer Walk


Community Bank & Trust of Florida was a proud supporter of Marion County's annual Making Strides Against Breast Cancer Walk, which was held on October 22nd at Silver Springs Nature's Theme Park, in Ocala.

More than 20 employees of Community Bank & Trust of Florida attended the event and raised over $500 to donate to the American Cancer Society. The American Cancer Society Making Strides Against Breast Cancer Walk is a powerful and inspiring event that unites communities to celebrate people who have battled cancer, raise awareness about the steps we can take to help prevent the disease, and raise money to find cures and support programs and services for those facing the disease.

Community Bank & Trust of Florida is proud to support this worthy organization. For more information on the American Cancer Society visit www.cancer.org.




Racheal Hatch to Serve on American Red Cross of North Central Floridas Board of Directors
   10/24/2011
October 24, 2011

Racheal Hatch to Serve on American Red Cross of North Central Florida's Board of Directors


Racheal Hatch, Assistant Vice President and Banking Office Manager of Community Bank & Trust of Florida's Oaks Office in Gainesville, Florida, was recently named as a member of the American Red Cross of North Central Florida's Board of Directors.

The American Red Cross is a humanitarian organization, led by volunteers, that provides relief to victims of disasters and helps people prevent, prepare for, and respond to emergencies. The local chapter was originally chartered in 1917 to provide service in Alachua County and has since grown to also include the counties of Columbia, Dixie, Gilchrist, Hamilton, Lafayette, Levy and Suwanee. The North Central Florida Chapter continues to rely on the public for support. Their work is made possible by the generosity of individuals, companies and the United Way throughout the North Central Florida Community

Community Bank & Trust of Florida is a proud supporter of the American Red Cross of North Central Florida..

For more information about The American Red Cross of North Central Florida visit www.redcrossncfc.org.




Community Bank & Trust of Florida Announces Earnings Results
   10/12/2011
Community Bank & Trust of Florida Announces Earnings Results


Ocala, FL - Florida Community Bankshares, Inc., the holding company for Community Bank & Trust of Florida, announced its financial results through September, 2011. The company reported Total Assets of $563.4 million as of September 30, 2011 as well as Net Income of $1.08 million during the first nine month of 2011. The company also reported that Total Capital increased to $56.5 million or 10.04% of Total Assets. Delinquent Loans were 0.12% of Total Loans Outstanding and Non-Performing Assets were 2.67% of Total Assets.

"We have been able to sustain our profitability through difficult economic times." Hugh F. Dailey, President of the company, said. "We have a strong capital position and we have plenty of money to lend. Our local staff of experienced bankers has the expertise to meet our customers' expectations. We have a very strong Wealth Management Group and offer financial services that the megabanks offer, but with a personal touch. Also, we do not charge our customers a monthly fee for using their debit cards."

Community Bank & Trust of Florida was established in 1998. The bank is a member of the FDIC and has 8 full-service banking offices along with trust and investment services. The company employs 109 people with banking offices located in Gainesville, Ocala, Belleview and The Villages.



ICBA Urges Consumers: Go Local By Banking Locally with Your Community Bank
   10/11/2011
ICBA Urges Consumers: Go Local By
Banking Locally with Your Community Bank
Banking with your local community bank is a hometown investment you can be proud of


Washington, D.C. (October 11, 2011) -- As many of the nation's consumers consider switching banks, the Independent Community Bankers of America (ICBA) is reminding them that now is the perfect time to join the "go local" movement by banking locally with their local community bank. By doing so, consumers will realize the litany of benefits that come with banking with a community bank including a relationship-based banking experience, superior customer service and the pride that comes with reinvesting in one's community.

"By going local and banking locally with your community bank, consumers can make a real difference in the lives of their neighbors and the future of their community," said Sal Marranca, ICBA chairman and president and CEO of Cattaraugus County Bank, Little Valley, N.Y. "They'll be making a hometown investment they can be proud of. After all, the money they deposit in their community bank will be reinvested in ways that drive their local economy, such as in the form of loans to local residents who want to buy a home or to small business owners who are looking to open shop on Main Street."

As small businesses themselves, community banks only thrive when their customers and communities do the same, so taking care of their customers and looking out for the best interest of their community is engrained in the way they conduct their business each and every day. And when consumers call their local community bank, they'll be reassured to know that they won't be talking to someone halfway across the globe. Instead, they will be talking with their community banker who lives and works in the same community they do.

Whether located in small towns, suburbia or big-city neighborhoods, community banks improve America's communities by funding nearly 60 percent of all small businesses under $1 million and by using local dollars to help families purchase homes, buy a car, finance college and build financial security. By driving local economies and creating local jobs, community banks are an integral part of our financial system and play a key role in our nation's economic recovery. Of the more than 7,000 community banks across the country, nearly 5,000 are ICBA members. Representing more than 23,000 locations nationwide and employing more than 280,000 Americans, ICBA members hold more than $1 trillion in assets, $900 billion in deposits, and $700 billion in loans to consumers, small businesses and the agricultural community.

"ICBA wants all Americans to know that their community bank is not only invested in their hometown, but also in them, as a customer," Marranca said. "Our doors are open and we welcome consumers to go local and see the community bank difference for themselves."

To find your local community bank, visit ICBA's community bank locator at www.icba.org/locate. Simply type in your zip code and the app will show you all the community banks in your area. You can even download free ICBA locator apps for your iPhone, Android or Blackberry.

About ICBA
The Independent Community Bankers of America, the nation's voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.




Community Bank & Trust of Florida Proudly Supports National Estate Planning Awareness Week
   09/30/2011
Community Bank & Trust of Florida is proud to sponsor "Estate Planning for Florida Residents - What Do I Need to Know?", an event on Thursday, October 27th from 2:00 to 5:00 at the College of Central Florida Ewers Century Center. The Estate Planning Council of Marion County will present this free public event to help individuals through the daunting experience of estate planning. Established estate planning professionals will present topics on wills and trusts, insurance, probate, retirement planning, the new durable power of attorney rules, long-term care insurance and legislative updates. Seating is limited and by reservation only. To reserve please call (352)-671-1019 or email ebeher@cbtfl.com. For additional information view the EPCMC website: http://www.marioncounty-fl.councils.naepc.org/



John Roberts to Serve as President of The Rotary Club of Greater Gainesville
   09/06/2011
September 6, 2011

John Roberts to Serve as President of The Rotary Club of Greater Gainesville

John Roberts, Vice President and Commercial Banking Officer, has been appointed President of The Rotary Club of Greater Gainesville for the 2011-2012 Rotary Year.

The Rotary Club of Greater Gainesville was founded in 1967 with a mission to provide service to others, promote integrity, and advance world understanding, goodwill, and peace through its fellowship of business, professional, and community leaders. The Rotary Club of Greater Gainesville is an ongoing supporter of M.K. Rawlings Elementary School including a $10,000 joint grant to purchase computers, a $1500 Wal-Mart grant for library books, donated school uniforms and club members who read to students on a monthly basis. The club also collects and donates toiletries to Home Van and holds a Spring Fashion Show to raise funds to support Rawlings and other local causes.

Community Bank & Trust of Florida is a proud supporter of Rotary International and the local clubs of Alachua, Sumter, and Marion County.

For more information about The Rotary Club of Greater Gainesville visit www.greatergainesvillerotary.org.



ICBA Offers Tips For Financial Preparedness in a Natural Disaster
   08/24/2011
ICBA Offers Tips For Financial Preparedness in a Natural Disaster

Washington, D.C. (August 24, 2011)—In the wake of yesterday’s East Coast earthquake and with Hurricane Irene on the horizon, the Independent Community Bankers of America (ICBA) has some tips to help consumers put their financial documents in order to prepare for hurricanes and unexpected natural disasters.

“While the first priority is the physical safety and well-being of you and your family, knowing that your banking and financial papers are safe gives you one less thing to worry about during times of duress,” said Sal Marranca, ICBA chairman and president and CEO of Cattaraugus County Bank in Little Valley, N.Y. “The East Coast earthquake and storms such as Hurricane Irene are reminders that everyone needs to prepare for a possible natural disaster. Having a financial preparedness plan will protect you and your loved ones from the headaches that you’ll incur if your important financial documents are damaged or go missing.”

ICBA offers the following tips to help consumers prepare before an emergency occurs.

  • Keep marriage and family records, including adoption papers, property deeds, birth certificates, wills, insurance policies, passports, Social Security cards, immunization records, credit card account numbers, car titles or lease contracts, bank and investment account numbers and three years of tax returns in a bank safe-deposit box. Put each of these documents in a sealed plastic bag to keep out moisture.
  • Make and safeguard additional official copies of critical documents such as birth certificates, adoption papers, marriage certificates and the deed to your home for safekeeping and notify a trustee, close relative or attorney where your important financial information is located.
  • Keep names and contact numbers for executors, trustees and guardians in a safe place, either in your safe deposit box or with a close relative.
  • Take an inventory and keep a list of household valuables. Taking photographs of these items can help as well. 
  • Start and regularly contribute to an emergency fund that can cover at least three to four months of expenses. This fund should be separate from your savings or investment account.
  • Include extra cash in your home emergency kit, which should include a three-day supply of water, food, a first aid kit, can opener, flashlights, radio and extra batteries.
  • Identify the records that you keep only on computer. They may not be available if electrical power fails, so make a printout and safeguard them or back them up to an external device or web storage facility.
  • The web can serve as a supplement or back up to paper copies. Scanned or other electronic documents can be attached to e-mails and stored in your e-mail account or with secure online back-up services.
  • If you feel flood insurance may be necessary to protect your home, start shopping around.  Contact your insurance agent or visit FEMA’s website at www.fema.gov for more information. 

 

For more information and resources, including a copy of an Emergency Financial Preparedness Guide, visit the consumer education and resources section of www.icba.org.

About ICBA
The Independent Community Bankers of America, the nation’s voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.




Emily Humphreys-Beher to Serve as President of Marion County Estate Planning Council
   08/18/2011
Emily Humphreys-Beher to Serve as President of Marion County Estate Planning Council


Emily Humphreys-Beher, Assistant Vice President and Trust Officer for Community Bank & Trust of Florida, has been elected to serve as President of the Marion County Estate Planning Council for the 2011-2012 fiscal year.

The Council is an organization of local attorneys, CPAs, trust officers, financial advisors and planners, and life insurance professionals focused on establishing and maintaining the highest professional and educational standards of its members. The Council is the local affiliate of The National Association of Estate Planners & Councils (NAEPC). For more information about the Marion County Estate Planning Council visit http://www.marioncounty-fl.councils.naepc.org/ or call 352-671-1019.

Community Bank & Trust of Florida has eight banking offices including a full-service wealth management division that offers trust, estate and other fiduciary services, as well as portfolio management and investment services. The banking offices are located in Marion, Alachua, and Sumter counties. For more information about Community Bank & Trust of Florida please visit www.cbtfl.com or call (352) 369-1000.



Laura Schenck to Serve on the Belleview - South Marion Chamber of Commerce Board of Directors
   08/15/2011
August 15, 2011

Laura Schenck to Serve on the Belleview - South Marion Chamber of Commerce Board of Directors


Laura Schenck, Banking Office Manager for Community Bank & Trust of Florida's Belleview office, was recently named as a board member of the Belleview - South Marion Chamber of Commerce.

The Belleview - South Marion Chamber of Commerce is a private, not-for-profit organization of businesses working together to improve the business climate, economic vitality and the quality of life in our community. The Chamber is a leader in the development of programs, initiatives and events that create a healthy and prosperous environment in which to conduct business. The Chamber is an active voice in a dynamic community uniting business and professional firms, thus creating a unique agency working to improve business and build a better community. Over 85 percent of the membership is composed of small businesses interested in prospering and creating a healthy environment in which to conduct business.

Community Bank & Trust of Florida is proud to be part of the Belleview community and a member of the Belleview - South Marion Chamber of Commerce.



For more information about the Belleview - South Marion Chamber of Commerce visit http://bsmcc.org or call (352) 245-7673. For more information about Community Bank & Trust of Florida visit www.cbtfl.com or call (352) 369-1000.



FDIC-Insured Deposits Are Safe in Community Banks
   08/15/2011
ICBA and Community Bank & Trust of Florida
FDIC-Insured Deposits Are Safe in Community Banks

Washington, D.C. (August, 12, 2011)––The Independent Community Bankers of America (ICBA) and Community Bank & Trust of Florida are reminding community bank customers that their deposits, which are backed by the Federal Deposit Insurance Corporation (FDIC) up to $250,000, are safe in their FDIC- insured community bank.

"Community banks are brick and mortar financial institutions that are safe, sound and secure," said Sal Marranca, ICBA chairman and president and CEO of Cattaraugus County Bank in Little Valley, N.Y, "They remained strong throughout the economic crisis and will remain economic pillars of strength within their communities, even during this uncertain time."

Deposits held in FDIC-insured community banks are guaranteed by the federal government for up to $250,000. Also, there is unlimited deposit insurance on non-interest bearing demand deposit accounts (DDAs), as part of the extension of the Transaction Account Guarantee program (TAG), which continues until the end of 2012. With this unlimited insurance, consumers and small businesses can rest assured that these demand deposits are safe.

No depositor has ever lost a penny of FDIC-insured funds. If customers are concerned about the safety of their deposits, ICBA urges them to speak with their community banker, who will explain how FDIC insurance works and how community bank customers are protected.

"As our nation's leaders work to address the fiscal and economic volatility in our markets, we want to reassure our customers that they need not worry about the stability of their community bank and the safety of their money," said Hugh F. Dailey, President and CEO of Community Bank & Trust of Florida. "We value our relationship with our customers and our communities, and we want everyone to feel secure—both now and well into the future."

For more information about how FDIC deposit insurance works, visit www.fdic.gov. For more information about the nation's more than 7,000 community banks, visit www.icba.org. For more information about Community Bank & Trust of Florida visit www.cbtfl.com.

About ICBA
The Independent Community Bankers of America, the nation's voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.



Community Bank & Trust of Florida helps Stuff the Bus
   08/05/2011


Community Bank & Trust of Florida helps Stuff the Bus


Community Bank & Trust of Florida participated in Marion County's Stuff the Bus campaign. The campaign offers local residents the opportunity to make a genuine difference in a homeless child's life by donating new school supplies, children's clothes, shoes, books and games, personal hygiene items, gift cards and financial contributions. The donations are distributed through the Homeless Student Program. We are very proud of our employees and customers for giving back to our community!

Please visit www.marion.k.12.fl.us for more information about Stuff the Bus and the Homeless Student Program.




Jeff Baker to Serve on Project Hope Board of Directors
   06/14/2011
June 14, 2011

Jeff Baker to Serve on Project Hope Board of Directors

Jeff Baker, Vice President and Commercial Banking Officer, was recently named as board member and executive committee member of Project Hope.

Project Hope of Marion County, Inc. is a not for profit social service agency serving Marion County, Florida that provides transitional housing and life skills training for homeless families. It offers assistance to men, women, and their children who are homeless. The Project Hope program provides residents with a comprehensive program that teaches them necessary life skills, including personal development, vocational training, and financial training including budgeting, substance abuse counseling, interpersonal skills building, community involvement, leisure activities, and independent living skills.

Community Bank & Trust of Florida is a proud sponsor and supporter of Project Hope of Marion County.

For more information about Project Hope visit www.projecthopeocala.org, or call (352) 624-HOPE (4673).




Community Bank & Trust of Florida Promotes Financial Literacy in Local Schools
   06/03/2011
FOR IMMEDIATE RELEASE
For Further information contact:
Alicia Porter
Community Bank & Trust of Florida
352-369-1000

June 3, 2011

Community Bank & Trust of Florida Promotes Financial Literacy in Local Schools

Community Bank & Trust of Florida has helped teach financial literacy to over 900 local students during the first part of 2011. Nearly 40 employees of the bank have spent numerous hours inside the classrooms of our local schools, teaching students from kindergarten to graduating seniors everything from the importance of saving to how to protect your credit. The schools involved were in Alachua and Marion County and included Greenway Elementary, Shady Hill Elementary, Belleview Santos Elementary, Kimbal Wiles Elementary, Liberty Middle, Lake Weir Middle, Howard Middle, and Marion Technical Institute.

There were a number of programs presented to the students by bank volunteers. Junior Achievement's "Economics for Success" and "Our Nation" programs provide practical information about personal finance and aim to encourage students to make informed education, career, and life decisions. Teach Children to Save has partnered with banks for 15 years to help students learn the importance of saving, even at a very young age. Volunteers also participated in The Flip Flop Program which helps promote financial literacy in families with loved ones that have been in and out of prison.

Now more than ever, financial literacy is a very important part of the education students receive. Community Bank & Trust of Florida is committed to helping local students receive this education and is very thankful to all of the employees who have volunteered their time to help support this initiative.




ICBA Offers Tips for Travelers
   05/23/2011
ICBA Offers Tips for Travelers
Planning Ahead Can Help You Keep Your Money Safe

Washington, D.C. (May 23, 2011)—With the kick off of summer less than a week away and many Americans planning to hit the road or the skies for their much-anticipated summer vacation, the Independent Community Bankers of America (ICBA) and the nation's more than 7,000 community banks want consumers to have the information they need before they leave home so they can keep their money safe.

"Nothing can ruin a vacation faster than losing your wallet or running out of funds, so plan ahead and talk to your community banker about how you can protect your money while traveling both domestically and abroad," said Sal Marranca, ICBA chairman and president and CEO of Cattaraugus County Bank, Little Valley, N.Y. "Since community banks are relationship bankers who work one-on-one with their customers, they can help customers be better prepared for travel emergencies. And in the event that something unfortunate does happen, they are ready and willing to help."

Financial professionals agree that the safest and most convenient way to travel with your money is to take a small amount of cash with you. It's also a good idea to carry a debit, credit or ATM card. These cards are convenient while traveling because they are easy to carry, easy to use and often offer the lowest fees and the best exchange rates.

However, travelers still need to plan ahead to be prepared. To help, ICBA offers these tips to consumers about what they need to take care of before they take off:
  • Let your community bank know when and where you will be traveling so that you will avoid any potential for fraud alerts when out-of-the-ordinary transactions are posted.
  • Call or stop by your community bank to find out what ATM or debit card fees you may be subject to in this country and abroad.
  • If you're traveling overseas, keep in mind that ATMs in many countries only accept four-digit personal identification numbers (PINs) and some countries have keyboards with numbers only, while others do not acknowledge zeros. Ask your community bank if you should create a new PIN for your account before you take your trip.
  • Carry a back-up card that you keep in a separate place. Families or couples may get even greater back-up coverage if each person takes a different card.
  • Make copies of all the cards you'll be carrying. Be sure to copy the front and back of the card. Take a copy with you and give a copy to someone you trust back home. Be sure to also include the security code for the card and the customer-service phone number.
  • Bring a list of emergency phone numbers, but remember, 800 numbers can only be used in the United States and Canada. Be sure to get a number for your bank that you can call if you're out of the country.
  • Many credit cards provide travel accident insurance and traveler's assistance. Ask your community bank what special services are available through your card.
  • Check your balance before you leave. Know the limits on how much you can withdraw. Save all your receipts.
"Whether your destination is overseas or closer to home, it really is better to be safe than sorry. And your community bank can help you make sure that you're safe," Marranca said.

For more information about what to do if you your card is lost or stolen or if you need additional help, visit http://usa.visa.com/personal/using_visa/travel_with_visa.html or http://www.mastercard.us/support/lost-card.html.

To learn more about ICBA, visit www.icba.org. To find a community bank, visit ICBA's community bank locator by clicking here.

About ICBA
The Independent Community Bankers of America, the nation's voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.





Racheal Hatch to Serve on Altrusa House of Gainesvilles Executive Board
   05/24/2011
FOR IMMEDIATE RELEASE
For Further information contact:
Alicia Porter
Community Bank & Trust of Florida
352-369-1000

May 19, 2011

Racheal Hatch to Serve on Altrusa House of Gainesville's Executive Board

Racheal Hatch, Assistant Vice President and Banking Office Manager of Community Bank & Trust of Florida's Oaks Office in Gainesville, Florida, was recently named as a member of the Altrusa House of Gainesville's executive board.

Altrusa International of Gainesville, Inc., a service organization of women leaders, has been serving the Gainesville community since 1958. Altrusa House strives to offer care to disabled, frail, or elderly adults at a lower cost than nursing homes or in-home care, giving the caregiver a safe place to leave their loved ones while they return to work, run errands, or attend to their personal well being.

Community Bank & Trust of Florida is a proud supporter of Altrusa House of Gainesville and the Oaks Office currently serves as a home to some of the artwork of Dr. Justine Vaughen, who donates all of the proceeds from the sale of her work to the Altrusa House of Gainesville. The Oaks Office, located at 6120 N.W. 1st Place adjacent to the Oaks Mall, just south of Newberry Road, opened in September of 2010 and serves as the eighth full service banking office for Community Bank & Trust of Florida.

For more information about Altrusa House of Gainesville, call (352) 377-7708.





Local Community Banker Participates in ICBA Washington Policy Summit
   05/10/2011
Local Community Banker Participates in
ICBA Washington Policy Summit

Educates Lawmakers about Critical Issues Facing the counties of Marion, Sumter and Alachua


Washington, D.C. (May 10, 2011) — Hugh F. Dailey, President and Chief Executive Officer of Community Bank & Trust of Florida participated in two days of congressional visits as part of the Independent Community Bankers of America (ICBA) Washington Policy Summit, which was held May 2-3 in the nation's capital. During the summit, Mr. Dailey advocated the needs of Main Street and pertinent community banking issues that help drive economic stability and prosperity within the counties of Marion, Sumter and Alachua.

"Bringing ICBA member community bankers to Washington to talk one-on-one with their representatives is key to ensuring the community bank perspective is heard loud and clear on top community bank issues such as the Tester/Corker Interchange bill, the harsh regulatory examination environment, suffocating regulatory burden and reforming the housing-finance GSEs," said Sal Marranca, ICBA chairman and president and CEO of Cattaraugus County Bank, Little Valley, N.Y., and a participant in the event. "The community bankers who attended ICBA's Washington Policy Summit made a difference at this critical time for Main Street—proving once again that community banks truly are the financial foundation of our nation and the economic engines that drive prosperity and well-being on Main Street."

Each year, the ICBA Washington Policy Summit brings community bankers from across the country to Washington to meet with their members of Congress and federal regulators and discuss a wide range of issues that affect community banking. This year, the nearly 1,000 attendees heard from Sen. Mary L. Landrieu (DLa.), Reps. Spencer T. Bachus III (R-Ala.) and Blaine Luetkemeyer (R-Mo.), Deputy Treasury Secretary Neal S. Wolin and Federal Reserve Bank of Kansas City President Thomas M. Hoenig.

"Personal contact with policymakers is the most effective way for Community Bank & Trust of Florida to educate our representatives in Washington about the issues facing community banks, our customers and our local community, which we so proudly serve each and every day," said Hugh F. Dailey, President and Chief Executive Officer of Community Bank & Trust of Florida. "It's vital for the communities in Marion, Sumter and Alachua counties to have our voice heard in Washington so we can let our members of Congress know what issues we need addressed back home to make our community an even better place to work and live."

For additional information about the ICBA Washington Policy Summit and ICBA's policy priorities, visit www.icba.org.

About ICBA
The Independent Community Bankers of America, the nation's voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.



Community Bank & Trust of Florida Participates in Day of Caring
   03/21/2011

Community Bank & Trust of Florida Participates in Day of Caring

Community Bank & Trust of Florida provided 20 volunteers for the annual United Way of Marion County's Day of Caring on Saturday, March 5, 2011. The bank partnered with the Marion County Homeless Council to help with much needed repairs and yard work. Volunteers built a privacy fence, cleaned up yard debris, mowed grass, and weeded flower beds at two of their housing facilities.

Please visit www.mchcfl.org for more information about the Marion County Homeless Council and www.uwmc.org for information about United Way of Marion County.




Community Banks Offer Consumers the Best Protection
   03/07/2011
Community Banks Offer Consumers the Best Protection


Washington, D.C. (March 7, 2011)—As part of the 13th annual National Consumer Protection Week, being held March 6-12, the Independent Community Bankers of America (ICBA) wants consumers to know the many ways that community banks protect their customers.

"Consumer protection is the hallmark of community banking," said Jim MacPhee, ICBA chairman and CEO of Kalamazoo County State Bank, Schoolcraft, Mich. "Community banks are relationship lenders that work one-on-one with their customers. Our mission as community bankers is simple—we strive to serve our local customers and safeguard their best interests."

ICBA wants consumers to know that community bank advantages include:
  • Quality service. Community banks focus on the needs of local families, small businesses and farmers.
  • Local deposits. Community banks lend in the communities where their depositors live and work, keeping local communities vibrant and growing.
  • Local Expertise. Because community banks are themselves small businesses, they understand the needs of small-business owners. Their core concern is lending to small businesses and farms. In fact, community banks make almost half of all small-business loans in cities and towns throughout America.
  • Responsiveness. Community banks offer nimble decision-making on loans because decisions are made locally. And community bank decision-makers are accessible to their customers in person.
  • Trust. Because their success depends on establishing long-term relationships, community banks always look out for the best interests of their customers. They work hard to deliver only the financial services and loans their customers truly need and want. Many community banks are willing to consider character, family history and discretionary spending in making loans.
  • Civic loyalty. Community bank officers are typically deeply involved in making their local communities better places to live.
"It's also important for consumers to know that community banks are good stewards of their depositor's money," MacPhee said. "Our customers' deposits, insured by the FDIC, are safe in community banks. No one has ever lost a penny of deposits insured by the FDIC."

National Consumer Protection Week is a coordinated consumer education campaign to encourage individuals across the country to know and take advantage of their rights. Go to http://consumer.gov/ncpw to learn more. To find a community bank, visit ICBA's community bank locator. For more information about community banks visit www.ICBA.org.

About ICBA
The Independent Community Bankers of America, the nation's voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.




CBTFL Introduces New Feedback Section
   03/14/2011


Community Bank & Trust of Florida has a new, quick and easy way to provide feedback to improve your banking experience. Simply go to www.cbtfl.com, select the drop down menu under "About Us" and complete the short survey. It is anonymous and fast! You can also go directly to http://www.cbtfl.com/feedback.

Established in 1998, Community Bank & Trust of Florida is a member of the FDIC and has 8 full-service banking offices with 108 employees along with trust and investment services. The banking offices are located in Ocala, Gainesville, Belleview and The Villages.



FDIC Encourages American Consumers to Get in the Habit of Automatic Saving
   02/24/2011
FDIC Encourages American Consumers to Get
in the Habit of Automatic Saving


America Saves Week is February 20-27

FOR IMMEDIATE RELEASE
February 22, 2011 Media Contact:
Greg Hernandez (202) 898-6984
Cell: (202) 340-4922
Email: ghernandez@fdic.gov

The Federal Deposit Insurance Corporation (FDIC) is calling upon consumers during America Saves Week to build savings by taking advantage of ways to automatically save money, reduce debt and build wealth.

FDIC Chairman Sheila C. Bair said, "There are easy ways to make saving automatic. Open up a savings account if you don't already have one and have a portion of your paycheck deposited directly into that account. Help your children save more, too. When you give them their allowance, pay them a little extra to put straight into their piggy banks. That way you will teach them the value of saving automatically."

This year's theme for America Saves Week is "Make Savings Automatic," and consumers are encouraged to set up ways to pay themselves first through automatic payments into a savings vehicle. This can be accomplished by having a portion of a paycheck – or even a tax refund -- deposited directly into a savings account or bond. Saving automatically can help reduce the chances that money will be spent immediately and helps perpetuate a savings habit.

Chairman Bair said, "The recent financial crisis has wreaked economic havoc on a lot of families. But if there is one silver lining, it is that we have learned the hard lessons of too much borrowing. We are paying down our debt and saving more. In the process, we are rediscovering the peace of mind of financial security achieved through saving."

The FDIC and other financial regulators have put in place protections to help consumers not only save money in federally insured institutions but also make sure they make educated decisions about their money. Low- and moderate-income taxpayers may be able to obtain free tax help from an IRS-trained volunteer through a Volunteer Income Tax Assistance (VITA) site; contact the IRS at call 1-800-906-9887 to find a nearby site.

To learn more about America Saves Week and about savings-related resources from the FDIC, please visit http://www.fdic.gov/deposit/deposits/savings.html. For a video featuring Chairman Bair discussing savings, go to http://www.youtube.com/watch?v=b-K5pciEJDw.

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CBTFL Participates in Junior Achievement Public School Education
   02/22/2011
Community Bank & Trust of Florida Participates in Junior Achievement Public School Education

Community Bank & Trust of Florida has six volunteers that have been involved with Junior Achievement's Personal Finance training classes in Marion County's public schools. Junior Achievement's "Economics for Success" Day took place at Lake Weir Middle School on February 9th. Volunteers joined forces to present training on career exploration and personal finance activities in an all day event involving the students at the school. In addition, volunteers from the bank are helping to educate students at Marion Technical Institute in a 5-week program, teaching them everything from budgeting and credit to investing and getting prepared for their future. Community Bank & Trust of Florida is proud to be involved with this initiative. For more information, please contact Junior Achievement at (352) 620-2009 or visit www.jamarion.org.



CBTFL Proudly Supports United Way of Marion Countys VITA Program
   02/18/2011
February 18, 2011

Community Bank & Trust of Florida Proudly Supports United Way of Marion County's VITA Program

Two of the bank's locations will be host locations for the United Way of Marion County's Volunteer Income Tax Assistance Program (VITA) this year. The Heath Brook office, located at 5450 SW College Road, served as a mobile site earlier this month while the North office, located at 7139 N U S Hwy 441, will be a mobile site used by the United Way in April. The program offers FREE income tax preparation by an IRS trained and certified tax preparer, and this year the bank has three employees serving as volunteers. Ashley Shorb, April Southall, and Trish Perry have all gone through training and testing with the IRS and have been volunteering at both the United Way and the different mobile locations. For more information please contact the United Way of Marion County at (352) 732-9696 or visit www.uwmc.org.



ICBAs "I Love My Community Bank" campaign launches
   02/14/2011
ICBA's 'I Love My Community Bank'
Campaign Launches on Valentine's Day
Campaign Encourages Consumers To Talk About Their Local and Personalized Banking Experience


Washington, D.C. (February 14, 2011)—Today, the Independent Community Bankers of America (ICBA) launched a national marketing and communications campaign to celebrate what the association loves most—the nation's nearly 7,000 Main Street community banks, which serve the needs of their local customers each and every day.

"The 'I Love My Community Bank' campaign was created by ICBA as a method to support the new status of the industry in the wake of banking reform," said Chris Lorence, ICBA senior vice president/chief marketing officer. "The goal of the primarily social media driven campaign is to provide a creative forum for consumers and small businesses to share their experiences and show how choosing a community bank puts them at a distinct advantage."

The objective of the 'I Love My Community Bank' campaign is twofold in that it also brings national grassroots awareness to the importance of community banks in the financial system and the special role they play in America's economic recovery and stability. The campaign will also be fully leveraged during ICBA Community Banking Month, which is recognized every April to promote the benefits of choosing a local community bank and the personalized service they provide.

In conjunction with the campaign, ICBA has launched www.ilovemycommunitybank.com, an interactive website where consumers can post comments, upload a photo and deliver video testimonials about their community banking experiences. A special Twitter handle (@iLuvMyCB) was created to both promote and highlight the campaign's entries. Consumers who share their stories will have the opportunity to be featured in ICBA's national social media campaign, which promotes community banks across the U.S.

To encourage broad participation of community bank members, ICBA will supply turnkey marketing designs through several supporting ICBA's state associations, who will disseminate the information and marketing collateral to their state member banks who wish to participate in the program.

To set up an interview or to learn more about ICBA's 'I Love My Community Bank' campaign, please contact Aleis Stokes at (202) 821-4457. For more information about community banks, visit www.icba.org.

About ICBA
The Independent Community Bankers of America, the nation's voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.




CBTFL Announces Earning Results
   01/20/2011
January 20, 2011

Community Bank & Trust of Florida Announces Earning Results

Ocala, FL - Florida Community Bankshares, Inc., the holding company for Community Bank & Trust of Florida, announced its financial results for 2010. The company reported Total Assets of $539.2 million as of December 31, 2010 as well as Net Income of $748 thousand during 2010. The financial results are unaudited and audited numbers are expected to be available by the middle of March, 2011.

The company also reported Total Capital of $35.0 million. Delinquent Loans were 0.59% of Total Loans Outstanding and Non-Performing Loans were 3.83% of Total Loans.

Hugh F. Dailey, President of the company, said "I am pleased to announce that our bank had another profitable year in 2010. In addition, we opened our eighth office located in Gainesville. We have a great staff with local market knowledge and expertise to help our customers navigate through this difficult economy. "

Community Bank & Trust of Florida was established in 1998. The bank is a member of the FDIC and has 8 full-service banking offices with 108 employees along with trust and investment services. The banking offices are located in Ocala, Gainesville, Belleview and The Villages.




CBTFL Hosts the Artwork of Dr. Justine Vaughen
   01/07/2011
Community Bank and Trust of Florida Hosts the Artwork of Dr. Justine Vaughen

CBTFL's Oaks office, located at 6120 NW 1st Place in Gainesville (across from the Oaks Mall), is hosting the artwork of Dr. Justine Vaughen. Dr. Vaughen's work focuses on the "beauty and symmetry of inner architecture, in flowers and other small things". All proceeds from the sale of Dr. Vaughen's work are donated to Altrusa House of Gainesville, an adult health care center. Altrusa House strives to offer care to disabled, frail, or elderly adults at a lower cost than nursing homes or in-home care, giving the caregiver a safe place to leave their loved ones while they return to work, run errands, or attend to their personal well being.

As part of Community Bank & Trust of Florida's continuing efforts to meet the needs of the communities in which we serve, we are proud to be a supporter of Altrusa House in Gainesville. The artwork will be displayed during normal business hours through the end of May 2011. Please stop by and view the beauty and detail of Dr. Vaughen's work.



Good Credit Is Key to a Solid Financial Future
   01/03/2011
Good Credit Is Key to a Solid Financial Future
ICBA Offers Tips To Help Consumers Establish and Maintain Good Credit


Washington, D.C. (January 3, 2011) - Consumers may want to add one more resolution to their lists this year—to establish and maintain good credit. Having good credit is essential to qualify for a mortgage or finance the purchase of a car, and it often helps determine the rate you will receive on any type of loan. The Independent Community Bankers of America (ICBA) urges consumers to practice smart saving and spending habits now as we kick off the new year to help establish good credit that will serve as the foundation for a more secure financial future.

"Having a good credit history is key to any financial plan," said Jim MacPhee, ICBA chairman and CEO of Kalamazoo County State Bank, Kalamazoo, Mich. "Establishing good spending and saving habits now, and sticking with them, is critical when times are tough and can go a long way toward helping you achieve your long-term financial goals."

ICBA offers consumers tips on how to establish and maintain a good credit history.
  • If you are just beginning to establish your credit history, open a checking account and keep careful track of your balance.
  • Open a savings account and contribute to it regularly.
  • Develop and follow a budget. Make sure to account for both fixed, variable and non-monthly expenses, such as insurance and taxes.
  • Pay all your bills on time, including utilities and even gym fees and parking tickets.
  • Use debit and credit cards for convenience and safety, but not to overspend. Monitor the activity on your account and review statements carefully. Be sure that you understand the terms and any fees that may apply.
  • Avoid offers to open several different credit cards, and never use one credit card to make payments on another.
  • Order a free copy of your credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every 12 months at www.annualcreditreport.com or by calling (877) 322-8228. Read your report carefully and correct any errors.
  • Build an emergency fund equal to at least six months of living expenses. If the unexpected happens, you will still be able to pay budgeted expenses instead of falling behind.
"A great resource to help get you started on the road to establishing good credit is to develop a relationship with your local community bank," MacPhee said. "We work with our customers every day and throughout their lifetimes to provide financial services and help them understand how to manage their finances."

For more information and to find a community bank near you, visit www.icba.org.

About ICBA
The Independent Community Bankers of America, the nation's voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.



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