SEC Filing Summary: First PacTrust Bancorp, Inc.
Business Context and Reporting Period
This Form 8-K was filed on April 23, 2004, by First PacTrust Bancorp, Inc., a Maryland corporation headquartered in Chula Vista, California. The filing serves as a Regulation FD disclosure incorporating by reference the company's earnings release for the three and twelve-month periods ended December 31, 2003, which was originally issued on February 3, 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 23, 2004), which is referenced but not reproduced in the provided text.
Material Changes
The filing does not detail specific material changes versus prior periods. It solely functions to disclose the previously issued earnings results for the fiscal year and quarter ended December 31, 2003.
Guidance, Outlook, and Risks
The provided text contains no management commentary, forward-looking guidance, risk factors, contingencies, or unusual items. The document is a procedural filing to ensure the public availability of the February 3, 2004, earnings release.
Investor Verification Checklist
- Verify the specific financial results for the three and twelve months ended December 31, 2003, by reviewing the attached Exhibit 99 press release.
- Confirm the identity of the registrant as First PacTrust Bancorp, Inc., noting the discrepancy with the metadata company name "BANC OF CALIFORNIA, INC."
- Check for any subsequent filings that may provide updated financial data or clarify the relationship between the registrant and Banc of California.