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Griffin Announces Closing on Mortgage Loan

NEW YORK, Jan. 5, 2015 (GLOBE NEWSWIRE) — Griffin Land & Nurseries, Inc. (GRIF) (“Griffin”) announced that a subsidiary of its real estate business, Griffin Land, LLC, closed on a $21.6 million nonrecourse mortgage loan (the “Mortgage Loan”) with First Niagara Bank (“First Niagara”). The Mortgage Loan is collateralized by two industrial buildings aggregating approximately 531,000 square feet in the Lehigh Valley of Pennsylvania. These two facilities, developed by Griffin Land on a parcel of undeveloped land acquired in 2010, are the Lehigh Valley Tradeport. One of the Lehigh Valley Tradeport buildings had a nonrecourse mortgage loan with First Niagara with a balance of approximately $8.9 million that was refinanced into the Mortgage Loan. The Mortgage Loan has a variable interest rate, but Griffin Land has entered into an interest rate swap agreement with First Niagara, that combined with an existing interest rate swap agreement, will fix the rate of the Mortgage Loan at 4.43% over the Mortgage Loan’s ten-year term. Payments on the Mortgage Loan are based on a twenty-five year amortization period.

At closing, Griffin Land received cash proceeds (before financing costs) of approximately $10.9 million from the Mortgage Loan. The cash proceeds are net of the current principal of the refinanced loan and $1.85 million to be advanced when, and if, a portion of the vacant space in the more recently developed Lehigh Valley Tradeport building is leased. A five-year lease for approximately 201,000 square feet of the approximately 303,000 square feet in that building was signed in the 2014 fourth quarter. The other Lehigh Valley Tradeport warehouse building is fully leased.

Forward-Looking Statements:

This Press Release includes “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act of 1934, as amended. These forward looking statements include the statement concerning additional mortgage proceeds to be received when, and if, a portion of the currently vacant space in one of the mortgaged buildings is leased. Although Griffin believes that its plans, intentions and expectations reflected in such forward-looking statements are reasonable, it can give no assurance that such plans, intentions or expectations will be achieved. The projected information disclosed herein is based on assumptions and estimates that, while considered reasonable by Griffin as of the date hereof, are inherently subject to significant business, economic, competitive and regulatory uncertainties and contingencies, many of which are beyond the control of Griffin and which could cause actual results and events to differ materially from those expressed or implied in the forward-looking statements. Important factors that could affect the outcome of the events set forth in these statements are described in Griffin’s Securities and Exchange Commission filings, including the “Business”, “Risk Factors” and “Forward-Looking Information” sections in Griffin’s Annual Report on Form 10-K for the fiscal year ended November 30, 2013. Griffin disclaims any obligation to update any forward-looking statements as a result of developments occurring after the date of this press release except as required by law.

View photo.Oil, Gas, & Consumable FuelsFinancemortgage loanFirst NiagaraLehigh Valley Contact: Anthony Galici
Chief Financial Officer
(860) 286-1307
[…]

Physicians Realty Closes Mezzanine Loan Secured by Interests in Two Leading Specialty Hospitals and Completes …

MILWAUKEE–(BUSINESS WIRE)–

Physicians Realty Trust (DOC) (the “Company”), a self-managed healthcare properties REIT, announced today that it has closed its previously announced mezzanine loan of approximately $6.9 million to affiliates controlled by MedProperties Holdings, LLC (“MedProperties”), a leading Dallas-based private investor in healthcare real estate (the “Loan”).

The Loan is secured by MedProperties’ ownership interest in two special purpose entities that own real estate leased to two specialty hospitals: a stabilized surgical hospital, operated by National Surgical Hospitals in partnership with leading surgeons in San Antonio, Texas; and a new inpatient rehab hospital operated by a joint venture between Scottsdale Healthcare and Select Medical, Inc. (SEM). The Loan has a five-year, interest only term and bears interest at a rate of 9.0% per annum. The Company also has an option, without obligation, to acquire these properties during the fourth year of the Loan.

In addition, the Company announced the completion of the acquisition of an ambulatory surgery center (“ASC”) in Great Falls, Montana for a total cash consideration of $4 million. The ASC is 100% leased to Great Falls Clinic Surgery Center, LLC under a recently signed 15-year absolute, net master lease. Physicians Realty Trust entered into a definitive agreement to acquire the property and subsequently completed the acquisition on December 11, 2013. The purchase price is equal to an 8.5% first year capitalization rate.

John T. Thomas, President and CEO of Physicians Realty Trust, stated, “As we grow our portfolio, we continue to look for creative means of financing our provider partners that will benefit both Physicians Realty Trust and our partners. The closing of this $6.9 million secured mezzanine loan with affiliates of MedProperties demonstrates our ability to create value for the Company and its shareholders through sizeable returns, while enabling our tenant to recapitalize its business. In conjunction with the loan, we have a purchase option to acquire the properties at a later date. This provides a built-in growth opportunity with two very attractive, high quality properties, one of which, The Scottsdale Healthcare Rehabilitation Hospital, was recently recognized by HREI Insights as the Best New Post-Acute New Ground-Up Development for 2013.”

Mr. Thomas added, “We have continued to successfully execute our growth strategy with the acquisition of an ambulatory surgery center in Great Falls, Montana. This property fits well within our portfolio and the transaction demonstrates our ability to achieve solid yields with strong counterparties. Furthermore, it provides us with an additional asset to drive further revenue generation and with 100% of the property on lease, it will help to improve the overall occupancy level of our portfolio.”

About Physicians Realty Trust

Physicians Realty Trust is a self-managed healthcare real estate company organized to acquire, selectively develop, own and manage healthcare properties that are leased to physicians, hospitals and healthcare delivery systems. The Company invests in real estate that is integral to providing high quality healthcare. The Company intends to elect to be taxed as a real estate investment trust (REIT) for U.S. federal income tax purposes.

Forward-Looking Statements

This press release contains statements that are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Act of 1934, as amended, pursuant to the safe harbor provisions of the Private Securities Reform Act of 1995. Forward-looking statements are generally identifiable by use of forward-looking terminology such as “may,” “will” or other similar words or expressions. These forward-looking statements relate to the payment of the dividends. Forward-looking statements are based on certain assumptions and can include future expectations, future plans and strategies, financial and operating projections or other forward-looking information. These forward-looking statements are subject to various risks and uncertainties, not all of which are known to the Company and many of which are beyond the Company’s control, which could cause actual results to differ materially from such statements. These risks and uncertainties are described in greater detail in the Company’s filings with the Securities and Exchange Commission (“SEC”), including, without limitation, the Company’s Prospectus filed pursuant to Rule 424(b)(4) on December 6, 2013. Unless legally required, the Company disclaims any obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise.

Mergers, Acquisitions & TakeoversHealth Care Industry Contact:

Physicians Realty Trust


John T. Thomas, 214-543-6611

President and CEO

or

John W. Sweet, 414-978-6467

or

Investors:

The Ruth Group

Stephanie Carrington / David Burke, 646-536-7017/7009

scarrington@theruthgroup.com

/

dburke@theruthgroup.com […]

BCB Bancorp, Inc., Announces Cash Dividend to Preferred Stock Shareholders

BAYONNE, N.J.–(BUSINESS WIRE)–

BCB Bancorp, Inc., Bayonne, N.J. (BCBP), announced that the Board of Directors has unanimously approved a cash dividend of 6.00% to shareholders of its Preferred Stock of record on April 2nd, 2013. The cash dividend is payable on April 15th, 2013. Donald Mindiak, President & CEO commented that, “This marks the first dividend on our Preferred Stock. Our offering was completed as of December 31, 2012. The successful completion of this capital raise has provided us the ability to continue to grow and strengthen our balance sheet while we continue to pursue initiatives that have the capacity of increasing franchise and shareholder value.”

BCB Community Bank presently operates eleven full service offices in Bayonne, Hoboken, Jersey City, Monroe Township, South Orange and Woodbridge.

Questions regarding the content of this release should be directed to either Donald Mindiak, President & Chief Executive Officer or Thomas Coughlin, Chief Operating Officer at (201) 823-0700.

Forward-looking Statements and Associated Risk Factors

This release, like many written and oral communications presented by BCB Bancorp, Inc., and our authorized officers, may contain certain forward-looking statements regarding our prospective performance and strategies within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and are including this statement for purposes of said safe harbor provisions.

Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the Company, are generally identified by use of words “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” “project,” “seek,” “strive,” “try,” or future or conditional verbs such as “could,” “may,” “should,” “will,” “would,” or similar expressions. Our ability to predict results or the actual effects of our plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

There are a number of factors, many of which are beyond our control, that could cause actual conditions, events, or results to differ significantly from those described in our forward-looking statements. These factors include, but are not limited to: general economic conditions and trends, either nationally or in some or all of the areas in which we and our customers conduct our respective businesses; conditions in the securities markets or the banking industry; changes in interest rates, which may affect our net income, prepayment penalties and other future cash flows, or the market value of our assets; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services in the markets we serve; changes in the financial or operating performance of our customers’ businesses; changes in real estate values, which could impact the quality of the assets securing the loans in our portfolio; changes in the quality or composition of our loan or investment portfolios; changes in competitive pressures among financial institutions or from non-financial institutions; changes in our customer base; potential exposure to unknown or contingent liabilities of companies targeted for acquisition; our ability to retain key members of management; our timely development of new lines of business and competitive products or services in a changing environment, and the acceptance of such products or services by our customers; any interruption or breach of security resulting in failures or disruptions in customer account management, general ledger, deposit, loan or other systems; any interruption in customer service due to circumstances beyond our control; the outcome of pending or threatened litigation, or of other matters before regulatory agencies, or of matters resulting from regulatory exams, whether currently existing or commencing in the future; environmental conditions that exist or may exist on properties owned by, leased by, or mortgaged to the Company; changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; changes in legislation, regulation, and policies, including, but not limited to, those pertaining to banking, securities, tax, environmental protection, and insurance, and the ability to comply with such changes in a timely manner; changes in accounting principles, policies, practices, or guidelines; operational issues stemming from, and/or capital spending necessitated by, the potential need to adapt to industry changes in information technology systems, on which we are highly dependent; the ability to keep pace with, and implement on a timely basis, technological changes; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; war or terrorist activities; and other economic, competitive, governmental, regulatory, and geopolitical factors affecting our operations, pricing and services.

It also should be noted that the Company occasionally evaluates opportunities to expand through acquisition and may conduct due diligence activities in connection with such opportunities. As a result, acquisition discussions and, in some cases, negotiations, may take place in the future, and acquisitions involving cash, debt, or equity securities may occur. Furthermore, the timing and occurrence or non-occurrence of these events may be subject to circumstances beyond the Company’s control.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this release. Except as required by applicable law or regulation, the Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

Contact:

BCB Bancorp, Inc.
Donald Mindiak, President & Chief Executive Officer
Thomas Coughlin, Chief Operating Officer
201-823-0700

[…]

Integrated Electrical Services Announces New Term Loan and Extension of Revolving Credit Facility

HOUSTON–(BUSINESS WIRE)–

Integrated Electrical Services, Inc. (or “IES”) (IESC), an infrastructure services company with leading positions in a broad range of markets for electrical and communications products and services, today announced that it has amended its Credit and Security Agreement with Wells Fargo Capital Finance, part of Wells Fargo & Company (WFC), to include a new two-year, $5 million Term Loan and a one-year extension of the Revolving Credit Facility to August 9, 2016.

IES will use the proceeds from the Term Loan as well as $5 million of cash from its balance sheet to fully retire the $10 million of Senior Subordinated Notes held by Tontine Capital Overseas Master Fund II, L.P. While the Term Loan bears interest at a per annum rate equal to Daily Three Month LIBOR plus 6.00%, the Company and Wells Fargo intend to enter into an interest rate swap, whereby the Company will cause the interest rate for borrowings under the Term Loan to be fixed at 7.00% per annum. The combination of the new Term Loan and the retirement of the Senior Subordinated Notes is expected to positively impact both free cash flow and the Company’s earnings per share.

ABOUT INTEGRATED ELECTRICAL SERVICES, INC.

Integrated Electrical Services, Inc. is an infrastructure services company that enjoys leading positions in a broad range of markets for electrical and communications products and services. Our 2,500 employees serve clients throughout the United States. For more information about IES, please visit www.ies-corporate.com.

Certain statements in this release, including statements regarding the restructuring plan and total estimated charges and cost reductions associated with this plan, are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, all of which are based upon various estimates and assumptions that the Company believes to be reasonable as of the date hereof. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “could,” “should,” “expect,” “plan,” “project,” “intend,” “anticipate,” “believe,” “seek,” “estimate,” “predict,” “potential,” “pursue,” “target,” “continue,” the negative of such terms or other comparable terminology. These statements involve risks and uncertainties that could cause the Company’s actual future outcomes to differ materially from those set forth in such statements. Such risks and uncertainties include, but are not limited to, fluctuations in operating activity due to downturns in levels of construction, seasonality and differing regional economic conditions; competition in our respective industries, both from third parties and former employees, which could result in the loss of one or more customers or lead to lower margins on new projects; a general reduction in the demand for our services; a change in the mix of our customers, contracts and business; our ability to successfully manage projects; possibility of errors when estimating revenue and progress to date on percentage-of-completion contracts; inaccurate estimates used when entering into fixed-priced contracts; challenges integrating new businesses into the Company or new types of work or new processes into our divisions; the cost and availability of qualified labor; accidents resulting from the physical hazards associated with our work and the potential for accidents; success in transferring, renewing and obtaining electrical and construction licenses; our ability to pass along increases in the cost of commodities used in our business, in particular, copper, aluminum, steel, fuel and certain plastics; potential supply chain disruptions due to credit or liquidity problems faced by our suppliers; loss of key personnel and effective transition of new management; warranty losses, damages or other latent defect claims in excess of our existing reserves and accruals; warranty losses or other unexpected liabilities stemming from former divisions which we have sold or closed; growth in latent defect litigation in states where we provide residential electrical work for home builders not otherwise covered by insurance; limitations on the availability of sufficient credit or cash flow to fund our working capital needs; difficulty in fulfilling the covenant terms of our credit facilities; increased cost of surety bonds affecting margins on work and the potential for our surety providers to refuse bonding or require additional collateral at their discretion; increases in bad debt expense and days sales outstanding due to liquidity problems faced by our customers; changes in the assumptions made regarding future events used to value our stock options and performance-based stock awards; the recognition of potential goodwill, long-lived assets and other investment impairments; uncertainties inherent in estimating future operating results, including revenues, operating income or cash flow; disagreements with taxing authorities with regard to tax positions we have adopted; the recognition of tax benefits related to uncertain tax positions; complications associated with the incorporation of new accounting, control and operating procedures; the financial impact of new or proposed accounting regulations; the ability of our controlling shareholder to take action not aligned with other shareholders; the possibility that certain tax benefits of our net operating losses may be restricted or reduced in a change in ownership; credit and capital market conditions, including changes in interest rates that affect the cost of construction financing and mortgages, and the inability for some of our customers to retain sufficient financing which could lead to project delays or cancellations; the sale or disposition of the shares of our common stock held by our majority shareholder, which, under certain circumstances, would trigger change of control provisions in contracts such as employment agreements and financing and surety arrangements; and additional closures or sales of facilities could result in significant future charges and a significant disruption of our operations. You should understand that the foregoing, as well as other risk factors discussed in this document and in the Company’s annual report on Form 10-K for the year ended September 30, 2012, could cause future outcomes to differ materially from those expressed in such forward-looking statements. The Company undertakes no obligation to publicly update or revise any information, including information concerning its controlling shareholder, net operating losses, restructuring efforts, borrowing availability, or cash position, or any forward-looking statements to reflect events or circumstances that may arise after the date of this release.

Forward-looking statements are provided in this press release pursuant to the safe harbor established under the private Securities Litigation Reform Act of 1995 and should be evaluated in the context of the estimates, assumptions, uncertainties, and risks described herein. General information about Integrated Electrical Services, Inc. can be found at http://www.ies-corporate.com under “Investors.” The Company’s annual report on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, as well as any amendments to those reports, are available free of charge through the Company’s website as soon as reasonably practicable after they are filed with, or furnished to, the SEC.

Contact:

Integrated Electrical Services, Inc.

Robert Lewey, CFO,

203-992-1111

or

ICR Inc.

Phil Denning, 203-682-8246

phil.denning@icrinc.com
[…]

Comarco Announces $1.5 Million Loan From And Sale Of $1.0 Million Of Common Stock To Institutional Investor

LAKE FOREST, Calif., Feb. 12, 2013 /PRNewswire/ — Comarco, Inc. (OTC:CMRO.PK), announced today that, on Monday, February 11, 2013, it has consummated a $2.5 million debt and equity financing transaction with Elkhorn Partners Limited Partnership (“Elkhorn”), an existing shareholder of the Company. In that transaction, Elkhorn has made a $1.5 million secured loan to the Company maturing on November 30, 2014, and has purchased a total of 6,250,000 shares of our common stock, at a price of $0.16 per share, generating an additional $1.0 million of cash for the Company.

As a result of the sale to Elkhorn of the 6,250,000 shares of Company common stock, Elkhorn’s ownership has increased to approximately 49%, from approximately 9%, of the Company’s outstanding shares, making Elkhorn the Company’s largest shareholder.

The Company has used approximately $2.1 million of the proceeds from these transactions to repay the entire principal amount of and all interest on a $2.0 million secured six month term loan that the Company had obtained from Broadwood Partners L.P. at the end of July 2012. The anticipated sale of 3 million shares of Company common stock to Broadwood, the proceeds of which were to have been used to repay the Broadwood loan, was not consummated.

The balance of the proceeds from the Elkhorn loan and equity transactions are expect to be used by the Company primarily for working capital purposes.

Elkhorn Loan and Security Agreements

The $1.5 million loan made to us by Elkhorn bears interest at 7% for the first 12 months of the loan, increasing to 8.5% thereafter and continuing until the loan is paid in full. The loan matures on November 30, 2014; however, the Company has the right, at its option, to prepay the Elkhorn Loan, in whole or in part, without penalty or premium.

Under the terms of the Elkhorn loan, if and to the extent the Company does not repay the loan in full by its maturity date (or upon acceleration of the loan after the occurrence of an event of default), then, Elkhorn will have the right, at its option (but not the obligation), to convert the then unpaid balance of the loan, in whole or in part, into shares of Company common stock at a conversion price of $0.25 per share, which will be subject to possible adjustment on certain events, such as stock splits, stock dividends and any reclassifications of the Company’s outstanding shares, certain mergers and, subject to certain exceptions, sales by the Company of shares of its common stock at a price lower than $0.25 per share. The conversion price of $0.25 per share represents a premium of more than 70% over the average of the closing prices of the Company’s shares in the over-the-counter market for the five trading days preceding the making of the loan by Elkhorn to the Company.

The payment of, and the performance by the Company of its other obligations to Elkhorn with respect to, the loan are secured by first priority security interests granted to Elkhorn in substantially all of the assets of the Company and its wholly-owned subsidiary, Comarco Wireless Technologies, Inc. (“CWT”), and a pledge of all of CWT’s shares by the Company to Elkhorn.

Sale of Common Stock to Elkhorn

The sale by the Company to Elkhorn of the 6,250,000 shares of common stock was made concurrently with and as a condition to the making by Elkhorn of the loan to the Company. The purchase price of $0.16 per share paid by Elkhorn for those shares was determined by arms-length negotiations between Elkhorn and the members of a special committee of the Company’s Board of Directors, comprised of three of the directors who have no affiliation with Elkhorn and no financial interest, other than their interests solely as shareholders of the Company, in either the loan or share transactions with Elkhorn. That per share purchase price was determined based on a number of factors, including the inability of the Company, notwithstanding its best efforts, to raise additional capital from other prospective institutional investors during the six months ended January 25, 2013 and the recent trading prices of the Company’s shares in the over-the-counter market, which averaged $0.14 per share during the five trading days immediately preceding the sale of the shares to Elkhorn, and $0.158 per share over the 29 trading days that that began on January 2, 2013 and ended on February 8, 2013.

The Elkhorn loan and the shares of common stock sold to Elkhorn by the Company may not be sold or otherwise transferred in the United States by Elkhorn, except in compliance with the registration requirements of the Securities Act of 1933, as amended, or an available exemption from such requirements.

The foregoing summaries of the Elkhorn debt and equity transactions with the Company are not intended to be complete and those summaries are qualified in their entirety by reference to a Secured Loan Agreement, Security Agreement, Pledge Agreement and a Stock Purchase Agreement, each dated February 11, 2013, between the Company and Elkhorn, copies of which Agreements are attached as exhibits to a Current Report on Form 8-K which the Company expects to file today with the Securities and Exchange Commission.

This News Release is neither an offer to sell nor the solicitation of an offer to buy any shares of common stock or any other securities of the Company.

About Comarco

Based in Lake Forest, Calif., Comarco is a leading provider of universal mobile power products used to power and charge notebook computers, mobile phones, and many other rechargeable mobile devices. The Company’s Web sites can be found at www.comarco.com and www.chargesource.com.

Forward-Looking Information

Other than statements or information about historical facts, all statements and other information in this news release, including any statements of our beliefs or expectations regarding our future financial condition or future financial performance or trends in our business, constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Such statements can be identified by the use of words such as “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” “can” or “may”. There is no assurance that we will be able to achieve the financial performance or objectives set forth in such forward looking statements because, among other things, our business is subject to numerous risks and uncertainties that could cause our future financial performance to differ, possibly materially, from those expected at this time.

Information regarding those risks and uncertainties is contained in our Annual Report on Form 10-K for our fiscal year ended January 31, 2012, which we filed with the Securities and Exchange Commission on April 30, 2012. We urge readers of this news release to review the discussion of those risks and uncertainties which are contained in Item 1A (entitled “Risk Factors”) of Part I of that Annual Report. Due to those risks and uncertainties, you are cautioned not to place undue reliance on the forward-looking statements contained in this news release, which speak only as of its date. We also disclaim any obligation to update or revise any of the forward-looking statements in this news release as a result of new information, future events or otherwise, except as may be required by law.

[…]

BCB Bancorp, Inc., Announces Quarterly Cash Dividend to Common Stock Shareholders

BAYONNE, N.J.–(BUSINESS WIRE)–

BCB Bancorp, Inc., Bayonne, N.J. (NASDAQ:BCBP – News), announced that the Board of Directors has unanimously approved a quarterly cash dividend of $0.12/share to shareholders in its common stock of record on February 7, 2013, payable on February 19, 2013. Donald Mindiak, President & CEO commented that, “This marks the 24th consecutive quarter of paying a cash dividend to our common shareholders and the 17th consecutive quarter that we have maintained that dividend at $0.12/share. The maintenance of our dividend, despite a persistently challenging economic environment, is a testament to the confidence our Board of Directors and Executive Management team has in our ability to provide our shareholders with a competitive return on their investment. As we continue to navigate through a complex and challenging economic and regulatory environment, we will strive to explore and implement strategies and initiatives that have the capacity to increase franchise and shareholder value.”

BCB Community Bank presently operates eleven full service offices in Bayonne, Hoboken, Jersey City, Monroe Township, South Orange and Woodbridge.

Questions regarding the content of this release should be directed to either Donald Mindiak, President & Chief Executive Officer or Thomas Coughlin, Chief Operating Officer at (201) 823-0700.

Forward-looking Statements and Associated Risk Factors

This release, like many written and oral communications presented by BCB Bancorp, Inc., and our authorized officers, may contain certain forward-looking statements regarding our prospective performance and strategies within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and are including this statement for purposes of said safe harbor provisions.

Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the Company, are generally identified by use of words “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” “project,” “seek,” “strive,” “try,” or future or conditional verbs such as “could,” “may,” “should,” “will,” “would,” or similar expressions. Our ability to predict results or the actual effects of our plans or strategies is inherently uncertain. Accordingly, actual results may differ materially from anticipated results.

There are a number of factors, many of which are beyond our control, that could cause actual conditions, events, or results to differ significantly from those described in our forward-looking statements. These factors include, but are not limited to: general economic conditions and trends, either nationally or in some or all of the areas in which we and our customers conduct our respective businesses; conditions in the securities markets or the banking industry; changes in interest rates, which may affect our net income, prepayment penalties and other future cash flows, or the market value of our assets; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services in the markets we serve; changes in the financial or operating performance of our customers’ businesses; changes in real estate values, which could impact the quality of the assets securing the loans in our portfolio; changes in the quality or composition of our loan or investment portfolios; changes in competitive pressures among financial institutions or from non-financial institutions; changes in our customer base; potential exposure to unknown or contingent liabilities of companies targeted for acquisition; our ability to retain key members of management; our timely development of new lines of business and competitive products or services in a changing environment, and the acceptance of such products or services by our customers; any interruption or breach of security resulting in failures or disruptions in customer account management, general ledger, deposit, loan or other systems; any interruption in customer service due to circumstances beyond our control; the outcome of pending or threatened litigation, or of other matters before regulatory agencies, or of matters resulting from regulatory exams, whether currently existing or commencing in the future; environmental conditions that exist or may exist on properties owned by, leased by, or mortgaged to the Company; changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; changes in legislation, regulation, and policies, including, but not limited to, those pertaining to banking, securities, tax, environmental protection, and insurance, and the ability to comply with such changes in a timely manner; changes in accounting principles, policies, practices, or guidelines; operational issues stemming from, and/or capital spending necessitated by, the potential need to adapt to industry changes in information technology systems, on which we are highly dependent; the ability to keep pace with, and implement on a timely basis, technological changes; changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board; war or terrorist activities; and other economic, competitive, governmental, regulatory, and geopolitical factors affecting our operations, pricing and services.

It also should be noted that the Company occasionally evaluates opportunities to expand through acquisition and may conduct due diligence activities in connection with such opportunities. As a result, acquisition discussions and, in some cases, negotiations, may take place in the future, and acquisitions involving cash, debt, or equity securities may occur. Furthermore, the timing and occurrence or non-occurrence of these events may be subject to circumstances beyond the Company’s control.

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this release. Except as required by applicable law or regulation, the Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.

Contact:

BCB Bancorp, Inc.
Donald Mindiak
President & Chief Executive Officer
or
Thomas Coughlin
Chief Operating Officer
201-823-0700

[…]

33 cash com – Payday Loans up to $1000.

33 cash com

Presently there are 12 states that have laws and regulations legalizing and also managing payday advances and funds developments. In these says, the necessary licenses and signing up with the lending options and advancements are expected for your organizations to get in order to perform such processes legally. A part of certification and also registn, a lot of says also have regulations along with restrictions, “prohibiting pay day loan rollovers, the most of payday cash advances that will just about any client may have at any given time, along with prohibiting pay day loan companies via declaring offender costs towards customers who don’t shell out money they owe.hes For that reason, using correct keeping of such rules and regulations, debtors can use for along with acquire financial products etc loans are generally checked in a very lawful and arranged way. Your states with these more restrictions contain, “Arkansas, Ca, Denver, your Section associated with Mexico, Sarasota, The islands, Iowa, Kansas, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Mt, Nebraska, The state of nevada, Nc, Ohio, Ok, South Carolina, Tn, Ut, California, as well as Wyoming.h

[…]

Home BancShares, Inc. Announces Another $0.13 Cash Dividend

CONWAY, Ark., Nov. 30, 2012 (GLOBE NEWSWIRE) — Home BancShares, Inc.’s (HOMB), parent company of Centennial Bank, Board of Directors declared a cash dividend of $0.13 per share payable December 31, 2012, to shareholders of record December 17, 2012. This dividend is in addition to the previously declared regular quarterly cash dividend set to be paid December 5, 2012 and is a result of the likelihood of increased tax rates on dividends in 2013. The Company is still evaluating whether this dividend will be a special, one-time cash dividend or a cash dividend in lieu of the regular quarterly cash dividend for the first quarter of 2013. Either way, it is a dividend that will be paid out of current earnings and profits in accordance with IRC Section 316 and therefore, will be entirely classified as a qualifying dividend for income tax purposes pursuant to Section 1(h).

“By taking this action before year end 2012, we can guarantee our shareholders benefit from the lowest possible dividend tax rates,” said John Allison, Chairman.

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Our wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has locations in central Arkansas, north central Arkansas, southern Arkansas, the Florida Keys, southwestern Florida, central Florida, the Florida Panhandle and south Alabama. The Company’s common stock is traded through the NASDAQ Global Select Market under the symbol “HOMB.”

This release contains forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future. Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risk and uncertainties. Various factors, including, but not limited to, economic conditions, credit quality, interest rates, loan demand, the ability to successfully integrate new acquisitions and changes in the assumptions used in making the forward-looking statements, could cause actual results to differ materially from those contemplated by the forward-looking statements. Additional information on factors that might affect Home BancShares, Inc.’s financial results are included in its Annual Report on Form 10-K for the year ended December 31, 2011 filed with the Securities and Exchange Commission.

Contact:

FOR MORE INFORMATION CONTACT:
Brian Davis
Chief Accounting Officer &
Investor Relations Officer
Home BancShares, Inc.
(501) 328-4770

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Calpine Closes $835 Million Senior Secured Term Loan

HOUSTON–(BUSINESS WIRE)–

Calpine Corporation (CPN) announced today that it has closed on an $835 million first lien senior secured term loan (“Term Loan”). The Term Loan, which amortizes at a rate of 1% per year, bears interest at LIBOR plus 3.25% per annum (subject to a LIBOR floor of 1.25%) and matures in 2019.

Calpine intends to utilize the proceeds of the Term Loan, along with cash on hand, to:

Refinance the currently callable portion of each of its outstanding corporate-level Senior Secured Notes, including approximately $590 million of principal, as well as accrued interest, fees and call premiums, and Retire its project-level BRSP term loan facility, which includes the repayment of approximately $218 million of principal as well as accrued interest and fees.

The company’s Senior Secured Notes are scheduled to mature between 2017 and 2023 and bear interest at fixed rates of between 7.25% and 8.00%. Meanwhile, the BRSP term loan, which has now been fully retired, was scheduled to mature in 2014 and bore interest at LIBOR plus 4.50% per annum (subject to a LIBOR floor of 3.00%). The BRSP term loan was previously secured by the company’s Broad River and South Point Energy Centers.

“This refinancing is consistent with our stated goal of opportunistically accessing the capital markets,” said Todd Thornton, Calpine’s Treasurer and Vice President of Finance. “As a result of this transaction, we have exchanged higher-cost fixed rate debt for lower-cost floating rate debt, resulting in expected annual interest savings of approximately $25 million, which is accretive to Adjusted Recurring Free Cash Flow Per Share. In addition, we have further simplified our capital structure by removing a complicated project finance facility from our balance sheet. Going forward, we will continue to seek similar opportunities to reduce interest payments and streamline our debt.”

Morgan Stanley, Barclays, Deutsche Bank and Royal Bank of Canada acted as lead arrangers on the transaction.

About Calpine

Calpine Corporation is the largest independent power producer in the U.S., with a fleet of 93 power generation plants representing more than 28,000 megawatts of generation capacity. Last year our plants generated more than 94 million megawatt hours of power for our wholesale customers in 20 states and Canada. Our 91 operating plants as well as two under construction consist primarily of natural gas-fired and renewable geothermal power plants that use advanced technologies to generate power in a low-carbon and environmentally responsible manner. Our modern, clean, efficient and cost-effective fleet stands ready to respond to the increased need for cleaner and more affordable power as the economy recovers, as new environmental rules are implemented and force older, dirtier plants to retire or reduce generation, as variable renewable power generation from wind and solar grows and with it the need for flexible natural gas generation to assure firm supply to the grid, and finally, as natural gas becomes economically competitive with coal as a fuel for power generation. Please visit www.calpine.com to learn more about why Calpine is a generation ahead – today.

Forward-Looking Information

In addition to historical information, this release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Words such as “believe,” “intend,” “expect,” “anticipate,” “plan,” “may,” “will” and similar expressions identify forward-looking statements. Such statements include, among others, those concerning expected financial performance and strategic and operational plans, as well as assumptions, expectations, predictions, intentions or beliefs about future events. You are cautioned that any such forward-looking statements are not guarantees of future performance and that a number of risks and uncertainties could cause actual results to differ materially from those anticipated in the forward-looking statements. Please see the risks identified in this release or in Calpine’s reports and registration statements filed with the Securities and Exchange Commission, including, without limitation, the risk factors identified in its Annual Report on Form 10-K for the year ended Dec. 31, 2011. These filings are available by visiting the Securities and Exchange Commission’s website at www.sec.gov or Calpine’s website at www.calpine.com. Actual results or developments may differ materially from the expectations expressed or implied in the forward-looking statements, and Calpine undertakes no obligation to update any such statements.

Contact:

Calpine Corporation

Norma F. Dunn, 713-830-8883 (Media Relations)

norma.dunn@calpine.com

Bryan Kimzey, 713-830-8775 (Investor Relations)

bryan.kimzey@calpine.com […]

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