SEC Filing Summary: First PacTrust Bancorp, Inc.
Business Context and Reporting Period
This Form 8-K was filed by First PacTrust Bancorp, Inc. on August 2, 2006. The filing serves to report the issuance of an earnings release for the three and six-month periods ended June 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 values for revenue, profit, cash flow, margins, debt, or liquidity. These figures are contained within the attached Exhibit 99.1 (Press Release dated August 2, 2006), which is incorporated by reference but not included in the provided text.
Material Changes
The filing text does not disclose specific material changes versus prior periods. It only confirms the release of financial results for the stated periods.
Guidance, Outlook, and Risks
The filing text does not contain management commentary, forward-looking guidance, risk factors, contingencies, or details on unusual items. Such information is presumed to be in the referenced press release.
Investor Verification Checklist
- Verify the specific revenue and net income figures for the three and six months ended June 30, 2006, in the attached Exhibit 99.1.
- Confirm the company's liquidity position and debt levels as reported in the full earnings release.
- Review the press release for any management commentary regarding future outlook or material risks.
- Note the discrepancy between the metadata company name ("BANC OF CALIFORNIA, INC.") and the registrant name in the filing ("FIRST PACTRUST BANCORP, INC.").