SECURITIES & EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15 (d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): October 21, 2003
CENTRAL COAST BANCORP
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(Exact name of registrant as specified in its charter)
STATE OF CALIFORNIA 0-25418 77-0367061
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(State or other jurisdiction) (Commission file (I.R.S. Employer
of incorporation or organization) number) Identification No.)
301 Main Street, Salinas, California 93901
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(Address of Principal Executive Offices) (Zip Code)
Registrants telephone number including area code: (831) 422-6642
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Not Applicable
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(Former name or former address, if changed since last report).
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The Exhibit Index is on Page 4
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Item 7. FINANCIAL STATEMENTS AND EXHIBITS.
(a) FINANCIAL STATEMENTS.
Not Applicable.
(b) PRO FORMA FINANCIAL INFORMATION.
Not Applicable.
(c) EXHIBITS.
(99.1) Press Release dated October 21, 2003
Item 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
The Registrant issued a press release dated October 21, 2003 announcing net
income of $2,950,000 for the third quarter of 2003 as compared to $2,848,000
reported for the thrid quarter of 2002. Diluted earnings per share for the
second quarter of 2003 increased to $0.28 from $0.27 in the third quarter of
2002. The annualized return on equity (ROE) and the return
on assets (ROA) for the third quarter of 2003 were 13.75% and 1.21% as compared
to 15.15% and 1.29% for the same period in 2002.
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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.
CENTRAL COAST BANCORP
Date: October 21, 2003 By: /s/ ROBERT M. STANBERRY
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Robert M. Stanberry, CFO
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EXHIBIT INDEX
Sequential
Exhibit No. Description Page No.
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99.1 Press Release dated October 21, 2003 5
4