SECURITIES AND 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) January 12, 1999 REGENCY BANCORP (Exact name of registrant as specified in its charter) California 000-23815 77-0378956 (State or other jurisdiction (Commission File (IRS Employer of incorporation) Number) Identification No.) 7060 N. Fresno, Fresno, California 93720 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (209) 438-2600 Not Applicable (Former name or former address, if changed since last report). Page 1 of 8 pages The Exhibit Index is on Page 4. 1 Item 5. OTHER EVENTS. The Registrant issued a press release dated January 12, 1999 announcing record performance for 1998, and reporting net after-tax income of $3.67 million or $1.40 per share for 1998. For the fourth quarter of 1998, the company earned $1.45 million or $0.55 per share. The foregoing is qualified by reference to the press release attached as exhibit 99.1 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 January 12, 1999 2 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. REGENCY BANCORP Date: January 12, 1999 /s/ STEVEN R. CANFIELD ---------------------- Steven R. Canfield EVP & CFO 3 EXHIBIT INDEX Exhibit No. Description ----------- ----------- 99.1 Press Release dated January 12, 1999 4