SEC Filing Summary: First PacTrust Bancorp, Inc.
Business Context and Reporting Period
This Form 8-K was filed on February 3, 2004, by First PacTrust Bancorp, Inc., a Maryland corporation headquartered in Chula Vista, California. The filing serves as a Regulation FD disclosure to incorporate by reference the company's earnings release dated November 3, 2003. The financial data referenced pertains to the three and nine-month periods ended September 30, 2003.
Key Financial Metrics
The filing text does not provide specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. These metrics are contained within the attached Exhibit 99 (Press Release), which is incorporated by reference but not reproduced in the body of this 8-K.
Material Changes
No material changes or comparative analysis between periods are detailed in the text of this filing. The document solely functions to disclose the existence of the prior earnings release.
Guidance, Outlook, and Risks
The filing contains no management commentary, forward-looking guidance, risk factors, or discussion of contingencies. It strictly references the previously issued earnings release for operational results.
Investor Verification Checklist
- Verify the specific financial figures for the three and nine months ended September 30, 2003, by reviewing the attached Exhibit 99 (Press Release dated November 3, 2003).
- Confirm the registrant's identity 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 the metadata entity.