SEC Filing Summary: First PacTrust Bancorp, Inc.
Business Context and Reporting Period
This Form 8-K was filed on April 20, 2005, by First PacTrust Bancorp, Inc. (Note: The request metadata references "Banc of California, Inc.", but the filing text identifies the registrant as First PacTrust Bancorp, Inc.). The report discloses the issuance of an earnings release for the three-month periods ended March 31, 2005, and March 31, 2004.
Key Financial Metrics
The filing text does not provide specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. These figures are contained within the attached Exhibit 99 (Press Release dated April 20, 2005), which is incorporated by reference but not included in the provided text.
Material Changes
The filing references a comparison between the quarter ended March 31, 2005, and the prior comparable period ended March 31, 2004. However, the specific material changes in financial condition or results of operations are not detailed in the body of this 8-K.
Guidance, Outlook, and Risks
The filing does not contain management commentary, forward-looking guidance, risk factors, or details on contingencies and unusual items. Such information, if present, would be located in the referenced Exhibit 99.
Investor Verification Checklist
- Verify the specific financial results (revenue, net income, EPS) in the attached Exhibit 99 Press Release.
- Confirm the identity of the registrant as First PacTrust Bancorp, Inc., distinct from Banc of California, Inc.
- Review the full text of the March 20, 2005 earnings release for any non-GAAP measures or segment reporting.
- Check for any subsequent filings that may provide updated liquidity or debt covenant compliance data.