SEC Filing Summary: First PacTrust Bancorp, Inc.
Business Context and Reporting Period
This Form 8-K was filed by First PacTrust Bancorp, Inc. on November 7, 2006. The filing serves to report the issuance of an earnings release for the three and nine-month periods ended September 30, 2006. The registrant is incorporated in Maryland and maintains its principal executive offices in Chula Vista, California.
Key Financial Metrics
The filing text does not provide specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. These details are contained within the attached Exhibit 99.1 (Press Release dated November 7, 2006), which is incorporated by reference but not included in the provided source text.
Material Changes
No material changes or comparative financial data are disclosed within the body of this Form 8-K. The document solely announces the availability of the earnings release for the periods ended September 30, 2006.
Guidance, Outlook, and Risks
The filing text does not contain management commentary, forward-looking guidance, risk factors, contingencies, or descriptions of unusual items. Such information, if present, would be located in the referenced Exhibit 99.1.
Investor Verification Checklist
- Verify the specific revenue and net income figures for the three and nine months ended September 30, 2006, by reviewing Exhibit 99.1.
- Confirm the company's liquidity position and debt levels as detailed in the attached press release.
- Review the press release for any management commentary regarding future outlook or material risks not captured in this summary.
- Note that the registrant name in the filing is First PacTrust Bancorp, Inc., distinct from the metadata field "BANC OF CALIFORNIA, INC."