<PAGE>
As filed with the Securities and Exchange Commission on July 14, 1999
Registration No. 0-26081
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
-----------
AMENDMENT
NO. 2 TO
FORM 10
GENERAL FORM FOR REGISTRATION OF SECURITIES
PURSUANT TO SECTION 12(b) OR 12(g) OF
THE SECURITIES EXCHANGE ACT OF 1934
----------------
SCRIPPS FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
----------------
CALIFORNIA 33-0855985
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
7817 IVANHOE AVENUE
LA JOLLA, CALIFORNIA 92037
(Address of principal executive offices; zip code)
(619) 456-2265
(Telephone number, including area code)
----------------
Securities to be registered pursuant to Section 12(b) of the Act:
Title of Each Class Name of Each Exchange on Which
to be so Registered Each Class is to be Registered
------------------- ------------------------------
NONE NOT APPLICABLE
Securities to be registered pursuant to Section 12(g) of the Act:
COMMON STOCK, NO PAR VALUE
(Title of class)
<PAGE>
EXHIBITS
<TABLE>
<CAPTION>
EXHIBIT
NUMBER DESCRIPTION OF DOCUMENT
-------- -----------------------
<S> <C>
27.1 Financial Data Schedule.
</TABLE>
<PAGE>
SIGNATURES
Pursuant to the requirements of Section 12 of the Securities Exchange Act of
1934, the registrant has duly caused this registration statement to be signed on
its behalf by the undersigned, thereunto duly authorized.
SCRIPPS FINANCIAL CORPORATION
Date July 14, 1999 By: /s/ Ronald J. Carlson
------------------------- ----------------------------------
Name: Ronald J. Carlson
Title: President
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE AUDITED
FINANCIAL STATEMENTS OF SCRIPPS BANK AS OF AND FOR THE YEARS ENDED DECEMBER 31,
1998, 1997 AND 1996 AND THE UNAUDITED FINANCIAL STATEMENTS AS OF AND FOR THE
THREE MONTHS ENDED MARCH 31, 1999.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C> <C> <C> <C>
<C>
<PERIOD-TYPE> 3-MOS 3-MOS YEAR YEAR
YEAR
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-1998 DEC-31-1998 DEC-31-1997
DEC-31-1996
<PERIOD-START> JAN-01-1999 JAN-01-1998 JAN-01-1998 JAN-01-1997
JAN-01-1996
<PERIOD-END> MAR-31-1999 MAR-31-1998 DEC-31-1998 DEC-31-1997
DEC-31-1996
<CASH> 60,883 0 67,120 44,499
0
<SECURITIES> 164,143 0 162,317 119,702
0
<RECEIVABLES> 354,127 0 340,775 283,647
0
<ALLOWANCES> 3,897 0 4,767 3,624
0
<INVENTORY> 0 0 0 0
0
<CURRENT-ASSETS> 0 0 0 0
0
<PP&E> 11,624 0 11,509 10,029
0
<DEPRECIATION> 6,863 0 6,524 5,168
0
<TOTAL-ASSETS> 591,267 0 582,630 461,998
0
<CURRENT-LIABILITIES> 0 0 0 0
0
<BONDS> 0 0 0 0
0
0 0 0 0
0
0 0 0 0
0
<COMMON> 34,513 0 34,092 33,502
0
<OTHER-SE> 10,891 0 9,663 4,455
0
<TOTAL-LIABILITY-AND-EQUITY> 591,267 0 582,630 461,998
0
<SALES> 0 0 0 0
0
<TOTAL-REVENUES> 12,375 11,167 47,806 39,062
30,440
<CGS> 0 0 0 0
0
<TOTAL-COSTS> 0 0 0 0
0
<OTHER-EXPENSES> 5,644 5,424 22,823 20,168
15,746
<LOSS-PROVISION> 885 460 1,805 1,452
922
<INTEREST-EXPENSE> 3,313 3,046 13,315 10,454
8,111
<INCOME-PRETAX> 2,533 2,237 9,863 6,988
5,661
<INCOME-TAX> 1,000 880 3,995 2,758
2,259
<INCOME-CONTINUING> 1,533 1,357 5,868 4,230
3,402
<DISCONTINUED> 0 0 0 0
0
<EXTRAORDINARY> 0 0 0 0
0
<CHANGES> 0 0 0 0
0
<NET-INCOME> 1,533 1,357 5,868 4,230
3,402
<EPS-BASIC> .22 .20 .87 .63
.56
<EPS-DILUTED> .22 .20 .84 .61
.55
</TABLE>