<PAGE>
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) April 14, 1998
REGENCY BANCORP
(Exact name of registrant as specified in its charter)
California 000-23815 77-0378956
(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation) 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 6 pages
The Exhibit Index is on Page 4.
1
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Item 5. OTHER EVENTS.
The Registrant filed the Form 8-K to include as exhibits, Financial
Data Schedules amending the Financial Data Schedules submitted on
Form 10-K for the period ended December 31, 1996 and to amend the
Financial Data Schedules submitted on Form 10-Q for the periods
ended June 30, 1996, March 31, 1997, June 30, 1997 and September
30, 1997.
Item 7. FINANCIAL STATEMENTS AND EXHIBITS.
(a) FINANCIAL STATEMENTS.
Not Applicable.
(b) PRO FORMA FINANCIAL INFORMATION.
Not Applicable.
(c) EXHIBITS.
27.2 Financial Data Schedule
27.3 Financial Data Schedule
2
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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.
REGENCY BANCORP
Date: April 14, 1998 /s/ STEVEN R. CANFIELD
----------------------
Steven R. Canfield
EVP & CFO
3
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EXHIBIT INDEX
<TABLE>
<CAPTION>
Sequential
Exhibit No. Description Page No.
----------- ----------- --------
<S> <C> <C>
27.2 Financial Data Schedule 5
27.3 Financial Data Schedule 6
</TABLE>
4
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000
<S> <C> <C> <C>
<PERIOD-TYPE> 9-MOS 6-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-1997 DEC-31-1997 DEC-31-1997
<PERIOD-END> SEP-30-1997 JUN-30-1997 MAR-31-1997
<CASH> 13,710 12,070 8,990
<INT-BEARING-DEPOSITS> 0 0 95
<FED-FUNDS-SOLD> 2,500 6,400 12,300
<TRADING-ASSETS> 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 37,460 37,199 35,829
<INVESTMENTS-CARRYING> 0 0 0
<INVESTMENTS-MARKET> 0 0 0
<LOANS> 119,836 112,434 101,192
<ALLOWANCE> 2,211 1,891 1,699
<TOTAL-ASSETS> 188,948 186,870 181,552
<DEPOSITS> 174,978 170,862 161,476
<SHORT-TERM> 0 0 0
<LIABILITIES-OTHER> 1,525 3,963 6,179
<LONG-TERM> 0 0 0
0 0 0
0 0 0
<COMMON> 9,276 9,276 9,201
<OTHER-SE> 2,995 2,694 4,836
<TOTAL-LIABILITIES-AND-EQUITY> 188,948 186,870 181,552
<INTEREST-LOAN> 9,034 5,704 2,800
<INTEREST-INVEST> 1,750 1,148 534
<INTEREST-OTHER> 354 255 114
<INTEREST-TOTAL> 11,138 7,107 3,448
<INTEREST-DEPOSIT> 3,900 2,569 1,259
<INTEREST-EXPENSE> 3,960 2,609 1,279
<INTEREST-INCOME-NET> 7,178 4,498 2,169
<LOAN-LOSSES> 1,295 835 0
<SECURITIES-GAINS> (34) (34) 2
<EXPENSE-OTHER> 10,771 8,351 2,545
<INCOME-PRETAX> (2,764) (3,288) 405
<INCOME-PRE-EXTRAORDINARY> (2,996) (3,288) 405
<EXTRAORDINARY> 135 0 0
<CHANGES> 0 0 0
<NET-INCOME> (1,606) (1,907) 235
<EPS-PRIMARY> (0.87) (1.03) 0.13
<EPS-DILUTED> (0.87) (1.03) 0.12
<YIELD-ACTUAL> 6.30 6.09 6.10
<LOANS-NON> 2,013 2,496 3,442
<LOANS-PAST> 184 222 9
<LOANS-TROUBLED> 31 31 0
<LOANS-PROBLEM> 273 261 282
<ALLOWANCE-OPEN> 1,615 1,615 1,615
<CHARGE-OFFS> 820 674 6
<RECOVERIES> 121 115 90
<ALLOWANCE-CLOSE> 2,211 1,891 1,699
<ALLOWANCE-DOMESTIC> 0 0 0
<ALLOWANCE-FOREIGN> 0 0 0
<ALLOWANCE-UNALLOCATED> 2,211 1,891 1,699
</TABLE>
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> 12-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996
<PERIOD-END> DEC-31-1996 JUN-30-1996
<CASH> 14,833 9,158
<INT-BEARING-DEPOSITS> 98 3
<FED-FUNDS-SOLD> 5,000 1,000
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 33,270 27,702
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 102,458 100,110
<ALLOWANCE> 1,615 1,690
<TOTAL-ASSETS> 181,058 162,269
<DEPOSITS> 159,802 140,722
<SHORT-TERM> 0 0
<LIABILITIES-OTHER> 7,787 8,516
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 8,868 8,868
<OTHER-SE> 4,601 4,371
<TOTAL-LIABILITIES-AND-EQUITY> 181,058 162,269
<INTEREST-LOAN> 11,255 5,496
<INTEREST-INVEST> 1,805 887
<INTEREST-OTHER> 167 43
<INTEREST-TOTAL> 13,227 6,426
<INTEREST-DEPOSIT> 4,534 2,166
<INTEREST-EXPENSE> 4,694 2,266
<INTEREST-INCOME-NET> 8,533 4,160
<LOAN-LOSSES> 0 0
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 9,902 4,965
<INCOME-PRETAX> 1,740 970
<INCOME-PRE-EXTRAORDINARY> 1,740 560
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1,008 560
<EPS-PRIMARY> 0.55 0.31
<EPS-DILUTED> 0.54 0.30
<YIELD-ACTUAL> 6.45 6.56
<LOANS-NON> 3,301 3,855
<LOANS-PAST> 19 179
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 242 139
<ALLOWANCE-OPEN> 1,784 1,784
<CHARGE-OFFS> 258 165
<RECOVERIES> 89 71
<ALLOWANCE-CLOSE> 1,615 1,690
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 1,615 1,690
</TABLE>