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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): January 20, 2005
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 January 20, 2005, Provident Bankshares Corporation announced its
results for the quarter ended December 31, 2004. The press release announcing
financial results for the quarter ended December 31, 2004 is filed as Exhibit
99.1 and incorporated herein by reference.
On January 20, 2005, in conjunction with its earnings release,
Provident Bankshares Corporation is making available supplemental financial
information regarding the Company. As noted in the Company's January 20, 2005
earnings release, the supplemental financial information is also being posted on
the Company's website at www.provbank.com. The supplemental financial
information includes a comparative analysis of average balances and changes in
tax equivalent net interest income and asset quality detail for the covered
periods. Also included in the supplemental financial information are the
Company's unaudited Consolidated Statement of Income at, and for the three and
twelve months ended, December 31, 2004 and December 31, 2003, and the unaudited
Consolidated Statement of Condition for the twelve months ended December 31,
2004 and December 31, 2003. 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 January 20, 2005
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: January 25, 2005
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EXHIBIT INDEX
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EXHIBIT NO. DESCRIPTION
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99.1 Press Release dated January 20, 2005
99.2 Supplemental Financial Information
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