SEC Filing Summary: First PacTrust Bancorp, Inc.
Business Context and Reporting Period
This Form 8-K was filed by First PacTrust Bancorp, Inc. on July 30, 2004. The filing serves to report the issuance of an earnings release covering the six-month and twelve-month periods ended June 30, 2004. 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 figures are contained within the attached earnings release (Exhibit 99), which is incorporated by reference but not detailed in the body of this 8-K.
Material Changes
No material changes or comparative financial data are explicitly stated in the text of this filing. The document solely announces the availability of the earnings release for the periods ended June 30, 2004.
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 press release.
Investor Verification Checklist
- Review Exhibit 99 (Press Release dated July 30, 2004) for actual financial results.
- Verify the specific revenue and net income figures for the six and twelve months ended June 30, 2004.
- Confirm any year-over-year or quarter-over-quarter changes in financial performance.
- Check for any forward-looking statements or risk disclosures included in the attached press release.