UNITED STATES
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 19, 2006
PROVIDENT BANKSHARES CORPORATION
(Exact name of registrant as specified in charter)
MARYLAND 0-16421 52-1518642
(State or other (Commission (IRS Employer
jurisdiction of File 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))
ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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On October 19, 2006, Provident Bankshares Corporation (the "Company")
announced its financial results for the quarter ended September 30, 2006. The
press release announcing financial results for the quarter ended September 30,
2006 is attached as Exhibit 99.1 and incorporated herein by reference.
On October 19, 2006, in conjunction with its earnings release, the
Company is making available supplemental financial information regarding the
Company. As noted in the Company's October 19, 2006 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 for the three and six months ended September
30, 2006 and 2005 and the unaudited Consolidated Statement of Condition as of
September 30, 2006 and 2005 and as of December 31, 2005. 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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(a) Financial Statements of Businesses Acquired: Not applicable
(b) Pro Forma Financial Information: Not applicable
(c) Shell Company Transactions: Not applicable
(d) Exhibits
Number Description
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Exhibit 99.1 Press Release dated October 19, 2006
Exhibit 99.2 Supplemental Financial Information
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/ Robert L. Davis
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Robert L. Davis
General Counsel
Date: October 19, 2006