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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934
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Date of Report (Date of earliest event reported): October 21, 2004
PROVIDENT BANKSHARES CORPORATION
(Exact name of registrant as specified in charter)
MARYLAND 0-16421 52-1518642
(State or other (Commission File (IRS Employer
jurisdiction of Number) Identification No.)
incorporation)
114 EAST LEXINGTON STREET, BALTIMORE, MARYLAND 21202
(Address of principal executive offices, including zip code)
Registrant's telephone number, including area code: (410) 277-7000
NOT APPLICABLE
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))
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ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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On October 21, 2004, Provident Bankshares Corporation announced its
results for the quarter ended September 30, 2004. The press release announcing
financial results for the quarter ended September 30, 2004 is filed as Exhibit
99.1 and incorporated herein by reference.
On October 21, 2004, in conjunction with its earnings release,
Provident Bankshares Corporation is making available supplemental financial
information regarding the Company. As noted in the Company's October 21, 2004
earnings release, the supplemental financial information is also being posted on
the Company's website at www.provbank.com. The supplemental financial
information includes (in addition to financial information presented in the
Company's October 21, 2004 earnings release) a comparative analysis of average
balances, interest income and expense and interest yields and rates. Also
included in the supplemental financial information are the Company's unaudited
Consolidated Statements of Condition and Income at, and for the three and nine
months ended, September 30, 2004. The supplemental financial information is
filed as Exhibit 99.2 and incorporated herein by reference.
ITEM 9.01 FINANCIAL STATEMENTS AND OTHER EXHIBITS
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Exhibit 99.1 Press Release dated October 21, 2004
Exhibit 99.2 Supplemental Financial Information
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.
PROVIDENT BANKSHARES CORPORATION
/s/ Gary N. Geisel
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Gary N. Geisel
Chairman of the Board and
Chief Executive Officer
Date: October 21, 2004
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EXHIBIT INDEX
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EXHIBIT NO. DESCRIPTION
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99.1 Press Release dated October 21, 2004
99.2 Supplemental Financial Information
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