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Direct Payday Lender Review Site Offers Fast Payday Loans via …

Henderson, NV — (SBWIRE) — 10/31/2012 — The extremely popular Payday Hound review website offers consumers that have bad credit a way to obtain a quick loan through direct payday lenders which have been reviewed and rated. The website’s research team rates the payday lenders using the five star system and several factors which include lender reputation and interest rates.

Payday loans are perfect for consumers who find themselves in a financial emergency and need a few hundred dollars quickly. However, each direct payday lender is different which is why the Payday Hound website was created. One of the principals at the company said, “We have a tough rating system so people who use our site to find a lender know they are getting a good deal from a reputable company.”

As popular as payday loans have become throughout the years, there are many people who are not aware of the availability of these loans, particularly consumers who live in rural areas or in the mountains. The Internet has helped spread the word about payday loans and many of the national lending institutions now offer loans directly on their website.

“I want to say thanks for all the information you have on this website. I was looking for a company to loan me some money and I found 2 on your site. I used CashNetUSA to get a loan online and they put the money right in my bank account. All I had to do was withdraw the money! Thanks again.” Jason Petersen

Obtaining a loan through a lender’s website doesn’t require too much information and as soon as all the information is verified, the applicant may apply for loans as many times as the need arises. The biggest requirement to apply for a loan over the Internet is a checking account as most lenders will electronically transfer funds into the applicant’s checking account.

About The Payday Hound
The Payday Hound is an online financial product review site. We are the only financial services review site that focuses on the fast growing, alternative financial services market. This market represents one in four households and has largely been neglected. Our focus on this market also known as the unbanked or underbanked markets means we understand secured credit cards, pre-paid cards, payday loans and installment loans better than other generic review sites.


Trinity Bank Reports Record Earnings and Both Regular and Special Cash Dividends

FORT WORTH, TX–(Marketwire – Oct 31, 2012) – Trinity Bank, N.A. ( OTCBB : TYBT ) today announced operating results for the third quarter and the nine months ending September 30, 2012.

Results of Operations

For the third quarter of 2012, Trinity Bank, N.A. reported Net Income after Taxes of $651,000, an increase of 12.2% over third quarter 2011 earnings of $580,000. Earnings per diluted common share for the third quarter 2012 amounted to $.57, an increase of 11.8% over third quarter 2011 results of $.51 per diluted common share.

For the first nine months of 2012, Net Income after Taxes was $1,915,000, an increase of 14.2% over the nine month 2011 results of $1,677,000. Earnings per diluted common share for the first nine months of 2012 were $1.69, an increase of 14.2% over 2011 nine months results of $1.48 per diluted common share.

Jeffrey M. Harp, President, stated, “Third quarter results were good. Return on Assets and Return on Equity both remain well above national and local peer group results. During the third quarter of 2012, Trinity incurred its first loan losses — 3 loans charged off totaling $495,000. We do not feel that this is the beginning of a trend or an indication that our credit underwriting standards need to be strengthened. It is highly unusual for any bank to go more than 9 years without a single loss. On a positive note, we had accumulated enough reserves to take the losses without significantly affecting current income.”

Also from a positive perspective, on October 9th, Trinity Bank declared a $.20 regular dividend and a $1.00 special dividend payable November 15, 2012 to shareholders of record on October 31, 2012.

Harp reported, “We are pleased to provide a tangible return to our shareholders at a time when tax rates are probably at an all-time low. After the dividend, our Capital ratio remains strong, and we are in a position to take advantage of any opportunities that become available to increase shareholder value.”

Actual for Quarter Ending (in 000’s except for Earnings per Share) 3 Months 3 Months 9-30-12 9-30-11 % Net Income $ 651 $ 580 12.2 % Diluted Weighted Average Shares 1,137 1,131 Earnings per Share $ 0.57 $ 0.51 11.8 % Return on Assets 1.47 % 1.50 % Return on Equity 13.35 % 13.26 % Actual for Nine Months Ending 9 Months 9 Months 9-30-12 9-30-11 Net Income $ 1,915 $ 1,677 14.2 % Diluted Weighted Average Shares 1,132 1,131 Earnings per Share $ 1.69 $ 1.48 14.2 %

Trinity Bank, N.A. is a commercial bank that began operations May 28, 2003. For a full financial statement, visit Trinity Bank’s website: Regulatory reporting format is also available at

This Press Release may contain certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 regarding future financial conditions, results of operations and the Bank’s business operations. Such forward-looking statements involve risks, uncertainties and assumptions, including, but not limited to, monetary policy and general economic conditions in Texas and the greater Dallas-Fort Worth metropolitan area, the risks of changes in interest rates on the level and composition of deposits, loan demand and the values of loan collateral, securities and interest rate protection agreements, the actions of competitors and customers, the success of the Bank in implementing its strategic plan, the failure of the assumptions underlying the reserves for loan losses and the estimations of values of collateral and various financial assets and liabilities, that the costs of technological changes are more difficult or expensive than anticipated, the effects of regulatory restrictions imposed on banks generally, any changes in fiscal, monetary or regulatory policies and other uncertainties as discussed in the Bank’s Registration Statement on Form SB-1 filed with the Office of the Comptroller of the Currency. Should one or more of these risks or uncertainties materialize, or should these underlying assumptions prove incorrect, actual outcomes may vary materially from outcomes expected or anticipated by the Bank. A forward-looking statement may include a statement of the assumptions or bases underlying the forward-looking statement. The Bank believes it has chosen these assumptions or bases in good faith and that they are reasonable. However, the Bank cautions you that assumptions or bases almost always vary from actual results, and the differences between assumptions or bases and actual results can be material. The Bank undertakes no obligation to publicly update or otherwise revise any forward-looking statements, whether as a result of new information, future events or otherwise, unless the securities laws require the Bank to do so.

TRINITY BANK N.A. (Unaudited) (Dollars in thousands, except per share data) Quarter Ended Nine Months Ended September 30 % September 30 % EARNINGS SUMMARY 2012 2011 Change 2012 2011 Change Interest income 1,526 1,471 3.7 % 4,595 4,371 5.1 % Interest expense 134 203 -34.0 % 446 646 -31.0 % Net Interest Income 1,392 1,268 9.8 % 4,149 3,725 11.4 % Provision for Loan Losses 150 0 N/A 150 0 N/A Service charges on deposits 37 35 5.7 % 112 101 10.9 % Net gain on securities available for sale 153 40 282.5 % 170 97 75.3 % Other income 56 92 -39.1 % 177 232 -23.7 % Total Non Interest Income 246 167 47.3 % 459 430 6.7 % Salaries and benefits expense 342 317 7.9 % 982 969 1.3 % Occupancy and equipment expense 74 82 -9.8 % 223 236 -5.5 % Other expense 190 271 -29.9 % 682 749 -8.9 % Total Non Interest Expense 606 670 -9.6 % 1,887 1,954 -3.4 % Earnings before income taxes 882 765 15.3 % 2,571 2,201 16.8 % Provision for income taxes 231 185 24.9 % 656 524 25.2 % Net Earnings 651 580 12.2 % 1,915 1,677 14.2 % Basic earnings per share 0.60 0.54 11.1 % 1.79 1.57 14.0 % Basic weighted average shares outstanding 1,079 1,070 1,071 1,070 Diluted earnings per share 0.57 0.51 11.8 % 1.69 1.48 14.2 % Diluted weighted average shares outstanding 1,137 1,131 1,132 1,131 Average for Quarter Average for Nine Months Ending September 30 % Ending September 30 % BALANCE SHEET SUMMARY 2012 2011 Change 2012 2011 Change Total loans $ 83,792 $ 74,941 11.8 % $ 82,691 $ 72,588 13.9 % Total short term investments 27,327 21,204 28.9 % 20,949 19,727 6.2 % Total investment securities 58,929 51,908 13.5 % 58,140 53,076 9.5 % Earning assets 170,048 148,053 14.9 % 161,780 145,391 11.3 % Total assets 176,847 154,363 14.6 % 168,541 152,810 10.3 % Noninterest bearing deposits 35,755 27,706 29.1 % 32,695 26,076 25.4 % Interest bearing deposits 119,186 107,061 11.3 % 114,627 107,902 6.2 % Total deposits 154,941 134,767 15.0 % 147,322 133,978 10.0 % Fed Funds Purchased and Repurchase Agreements 395 411 -3.9 % 366 476 -23.1 % Shareholders’ equity 20,621 18,401 12.1 % 20,002 17,692 13.1 % TRINITY BANK N.A. (Unaudited) (Dollars in thousands, except per share data) Average for Quarter Ending Sept. 30, June 30, March 31, Dec 31, Sept. 30, BALANCE SHEET SUMMARY 2012 2012 2012 2011 2011 Total loans $ 83,792 $ 83,133 $ 81,136 $ 76,426 $ 74,941 Total short term investments 27,327 16,955 18,495 26,760 21,204 Total investment securities 58,929 58,031 57,451 56,751 51,908 Earning assets 170,048 158,119 157,082 159,937 148,053 Total assets 176,847 164,933 163,755 166,392 154,363 Noninterest bearing deposits 35,755 31,337 29,804 32,552 27,706 Interest bearing deposits 119,186 112,538 113,263 113,758 107,061 Total deposits 154,941 143,875 143,067 146,310 134,767 Fed Funds Purchased and Repurchase Agreements 395 251 450 584 411 Shareholders’ equity 20,621 19,962 19,416 18,690 18,401 Quarter Ended Sept. 30, June 30, March 31, Dec 31, Sept. 30, HISTORICAL EARNINGS SUMMARY 2012 2012 2012 2011 2011 Interest income 1,526 1,554 1,514 1,509 1,471 Interest expense 134 151 161 199 203 Net Interest Income 1,392 1,403 1,353 1,310 1,268 Provision for Loan Losses 150 0 0 0 0 Service charges on deposits 37 28 37 37 35 Net gain on securities available for sale 153 0 17 18 40 Other income 56 72 59 55 92 Total Non Interest Income 246 100 113 110 167 Salaries and benefits expense 342 309 331 450 317 Occupancy and equipment expense 74 76 74 81 82 FDIC expense (59 ) 14 14 45 45 Other expense 249 238 223 45 226 Total Non Interest Expense 606 637 642 621 670 Earnings before income taxes 882 866 824 799 765 Provision for income taxes 231 222 203 194 185 Net Earnings 651 644 621 605 580 TRINITY BANK N.A. (Unaudited) (Dollars in thousands, except per share data) Ending Balance Sept. 30, June 30, March 31, Dec 31, Sept. 30, HISTORICAL BALANCE SHEET 2012 2012 2012 2011 2011 Total loans $ 84,625 $ 83,510 $ 84,808 $ 81,272 $ 76,180 Total short term investments 30,196 16,923 18,681 19,279 27,716 Total investment securities 58,166 61,625 56,640 58,540 53,370 Total earning assets 172,987 162,058 160,129 159,091 157,266 Allowance for loan losses (1,026 ) (1,371 ) (1,371 ) (1,371 ) (1,371 ) Premises and equipment 1,322 1,340 1,368 1,378 1,413 Other Assets 6,040 6,469 6,706 7,843 6,209 Total assets 179,323 168,496 166,832 166,941 163,517 Noninterest bearing deposits 36,826 33,721 32,239 34,203 33,733 Interest bearing deposits 120,298 113,377 114,268 112,163 109,722 Total deposits […]

Be Aware of Payday Loan Scams

Image hqdefault.jpg If you ever found yourself in times of financial need, a payday loan might be right for you. Beware of any scams, though. This video will cover a good sign of a payday loan scam that you can be aware of. […]

Online Payday Loan In The UK – The Blog of Naseem

Online payday loan in the UK is a quick and easy solution to your cash flow problem, which can arise anytime. Such loans can provide you with cash for your emergency needs, until your next payday. The lenders of the loan amount are not concerned for the purpose for which you are borrowing the loan. They just want you to fulfill their legal formalities and requirements for the loan and use the cash for your needs.
Why Borrow A Payday Loan?
Need for taking a payday loan in London UK can come anytime. If you are aware of these online payday loan in the UK then you can easily solve cash problems in emergency. With the online facility, you are not required to fax in any documents and are also not required to do any paperwork. Everything is done online, from applying to receiving the loan amount. This online process keeps you away from getting into hassles of visiting the lender’s office again and again.
The online payday loan in the UK can be used for small as well as big expenditures. It can be used to pay your hotel bills, phone bills, groceries, medical bills, or any other utility bill. The amount of loan that can be borrowed under payday loan in the UK can be anything between £50 and £1000. Payday loans are the short-term loans, which are borrowed for 2-4 weeks. In case you failed to pay back the loan amount within the due date, you will be charged a penalty fee, which you have to pay along with the principal loan amount.
The process of online payday loan in the UK begins with filling of an online application form, which once approved, deposits the money to your checking account the next working day. The application may ask you to fill in your personal as well as financial details. No need to hesitate or worried while filling such information, because such sensitive information are kept confidential.
The online payday loan in the UK can be extended to about 6 months in case the borrower is not able to pay back the loan amount. Today, there are many lenders offering payday loan in the UK of which many are fake lenders and few are genuine. It is advisable to do proper research before choosing a lender for your payday loan in London UK.
Online payday loan in the UK is a fast and reliable loan, which can solve all your big and small monetary issues that can be to make a down payment of car or just a medical bill. You cannot depend on personal loans that are borrowed for long term period to solve such issues. So, choose a payday for your monetary problems today.


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Obtaining The Best From Your Online Payday Loans | Automotive …

Get quick $ 800 payday loans online Sacramento California low apr .

Online payday loans offer individuals lacking cash the methods to protect required expenditures and unexpected emergency outlays during times of financial distress. They should just be applied for nonetheless, if a consumer has a good price of knowledge regarding their particular phrases. Make use of the suggestions in the following paragraphs, and you will probably know whether or not you do have a good deal before you, or should you be intending to belong to a hazardous capture.

Get quick $ 800 online payday loans Albuquerque New Mexico low apr .

Compile a long list of every personal debt you possess when acquiring a pay day loan. This includes your health care expenses, unpaid bills, home loan repayments, plus more. Using this list, you may determine your monthly expenditures. Do a comparison in your monthly earnings. This will help you make sure that you get the best possible choice for repaying the debt.

Tend not to make the pay day loan monthly payments late. They are going to document your delinquencies for the credit score bureau. This will in a negative way influence your credit ranking and make it even more difficult to take out conventional loans. If you have question you could repay it after it is thanks, will not obtain it. Find one more way to get the cash you require.

To spend less towards your pay day loan, try out marketing products at home you never use any more by way of online sites like craigs list and Amazon online. While you might not feel there are many important things to offer, you probably do. Look through your publication assortment, cd assortment, along with other gadgets. Even if you is only able to create a few 100 money, it might nonetheless assist.

Before signing up to get a pay day loan, very carefully think about the amount of money that you will need to have. You ought to obtain only the amount of money that might be necessary in the short term, and that you are able to pay back again following the phrase of the loan.

Even though many payday creditors may well promote they will not run credit report checks, make an attempt to only work with a spot that does. Their first, and foremost necessity is work, and verification of the after that paycheck. Nonetheless, if your credit score will not be rock and roll underside. You may be eligible for a a greater than promoted monthly interest on the loan.

Tend not to use the services of a pay day loan firm until you have tired all your additional options. When you do sign up for the loan, ensure you may have dollars readily available to pay back the loan after it is thanks, otherwise you may end up paying out extremely high fascination and fees.

Tend not to rest regarding your earnings as a way to be eligible for a a pay day loan. This really is a bad idea mainly because they will lend you greater than you may perfectly manage to spend them back again. Consequently, you can expect to land in a more serious financial situation than you had been already in.

Examine your credit report before you choose a pay day loan. Consumers using a wholesome credit score can have more positive interest rates and terms of settlement. If your credit report is in inadequate form, you will definitely spend interest rates that happen to be increased, and you may not qualify for a lengthier loan phrase.

If you are looking to get a pay day loan, you must know that there are numerous misinformation and beliefs linked to them. The beliefs are that payday loans are only for reduced-earnings customers and misconceptions they are only to be used like a last resort. Both of these are not correct. Everyone can get this particular loan, and should they be monitored properly, they are really practical.

Ensure you may attain an individual in the pay day loan firm you want to select. Many companies on this kind are sprouting up on the internet, so it may seem how the one particular you are looking at is a superb one particular. Nonetheless, if you fail to attain an individual easily, that may be a warning sign and a indicator something is improper with that firm.

With a little luck, this information has you effectively armed like a customer, and knowledgeable concerning the details of payday loans. Exactly like other things on the planet, you will find positives, and disadvantages. The golf ball is in your court like a customer, who should understand the details. Consider them, and get the best choice!


Wall Street scrambles to raise cash after Sandy

By Richard Leong

NEW YORK (Reuters) – Wall Street firms and U.S. banks scrambled to raise cash on Wednesday, as U.S. financial markets resumed normal trading after a devastating storm pummeled the U.S. East Coast and closed major markets for two days.

Major banks and investment houses rely on the money markets – a key cash source for financial markets – to finance trading positions and loans that they make. Companies sell commercial paper and other short-term loans to money market funds and other investors fund their inventories and payrolls.

The massive storm, Sandy, disrupted these markets, thinned trading and drove up borrowing costs on Monday and Tuesday.

But overnight borrowing costs in funding markets have since receded from those levels, which were last seen during the height of the global credit crunch in late 2008.

Investors charged a borrower 0.35 to 0.40 percent for an overnight loan in the repurchase agreement (repo) market early Wednesday, analysts and traders said.

This was sharply lower than the 1.25 percent heard quoted late on Monday before Sandy made landfall in the U.S. Northeast. The storm knocked out power for about 8 million people and flooded the New York subways.

Traders at banks and other institutions rushed to raise money Monday and Tuesday to insure their trades were funded at least through Wednesday, when they had expected the stock and bond markets to reopen.

“It’s not as bad as it could have been, but people are still operating with skeletal staffs,” said Mike Lin, director of U.S. funding with TD Securities in New York.

On Friday, the overnight repo rate ended at 0.20 percent.

In the $1.8 trillion tri-party repo market, a borrower obtains cash from investors by pledging Treasuries and other securities as collateral. (Editing by Bernadette Baum)


CASH 1 Announces New Website Launch

RENO, Nev., Oct. 31, 2012 /PRNewswire/ — CASH 1, a trusted lending institution, has launched a new website where clients can apply for loans and financial services. CASH 1 is distinguished from other lenders in that it does not perform a credit check and its services are available to those who are often underserved by other lending outlets. The site,, is a convenient alternative to applying over the phone and in person at CASH 1’s branches in Arizona, Nevada and Washington. The website aims to simplify the way clients can interact with the company.

(Logo: )

Borrowers can view their information and apply for services via the new website. Residents of Nevada and Arizona can apply for title loans, and borrowers in Arizona may also be eligible for title equity loans. Nevada residents may apply for payday loans, while Washington residents are eligible to apply for Cash 1’s retail line of credit. Applicants simply enter the necessary details and, upon approval, can pick up their loans at the nearest Cash 1 branch.

“We think it is a great opportunity for us to interact with our customers and provide them with the security and convenience of managing their account online,” explained vice president of systems development Don Bills. The site is protected by McAfee Security. All data entered on is secure and cannot be accessed by third-party users.

In addition to its lending options, CASH 1 will also provide financial news and tips on its website. The content will be geared toward keeping borrowers informed on the loan industry as well as educating them on how to use loans responsibly.

“I am very excited about bringing this new level of communication to our customers. I fully expect the new content to educate and inform those seeking any of our financial services,” said Jill Arambula, vice president of operations for CASH 1.

Making this information readily available online is intended to help those in need of financial assistance. By explaining all of its lending options, CASH 1 allows borrowers to make the soundest financial decisions. The industry and financial news will serve to inform clients of how they may be affected by recent events. can act as a resource for anyone considering their lending options. CASH 1 was established in 1997. Through its new web page, the company hopes to help a greater number of people who require monetary assistance.

About CASH 1

CASH 1 is a provider of hassle-free short-term loans to those underserved by traditional lending. CASH 1 offers a variety of personal loan products including Payday Loans, Title Loans, Title Equity Loans, and Check Cashing services. Our mission is to offer our customers a first-class customer experience that surpasses our competitors in every way. CASH 1 is a fully licensed lender, and as a member of the Community Financial Services Association of America, CASH 1 is committed to responsible lending practices. To find out more please visit us at

For the CASH 1 nearest you call (888) GO-CASH1

Media Contact:
Todd McLaughlin
(775) 852-7870


Personal Payday Loans Online Service for Your Emergency …

If you need such kind of payday loans online services to fulfill a short term or emergency financial need, personal loans may be the right solution for you. Generally, our personal loans offer flexible payment terms and come with a fixed payment schedule, interest rate, and periodic payment amount. Once you are approved, most lenders will not restrict your usage for that money and you are free to use it for any legally-acceptable personal need. Our payday loans online services “personal loans” with varying repayment terms are designed for both individuals with good credit and bad credit, and a secured personal loan is made in lieu of some collateral that is used as security against the loan amount. This is for our lender’s safety.

We offer highly customizable financial aid for almost any financial situation you might have. For example, you must have some money to pay your bills right now. Surely, you need our payday loans online services to help you. At our site, we offer the convenience of having your money deposited electronically to your bank account in as little as 24 hours, so you can contact us any time then you are going to break down your emergency financial need.