UNITED STATES 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): February 23, 2005 FIRST PACTRUST BANCORP, INC. ---------------------------- (Exact name of Registrant as specified in its Charter) Maryland 000-49806 04-3639825 ------------------- ------------- ------------------- (State or other Commission (I.R.S. Employer jurisdiction File Number Identification No.) of incorporation or organization) 610 Bay Blvd. Chula Vista, California 91910 ------------------------------------------- ----------- (Address of principal executive offices) (Zip code) (619) 691-9741 (Registrant's telephone number, including area code) N/A (Former Name or Former Address, if Changed Since Last Report) Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): |_| 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)) TABLE OF CONTENTS Item 8.01. Other Events Item 9.01. Financial Statements and Exhibits SIGNATURES Index to Exhibits Press Release ================================================================================ Item 8.01. Other Events. On February 23, 2005, First PacTrust Bancorp, Inc. (the "Company") announced that its Board of Directors had declared a cash dividend of $0.125 per share on the Company's outstanding common stock, payable on March 25, 2005 to shareholders of record at the close of business on March 11, 2005. A copy of the press release is attached as an exhibit to this Current Report on Form 8-K and is incorporated herein by reference. Financial Statements and Exhibits. Item 9.01. (c) Exhibits 99.1 Press Release, dated February 23, 2005, of First PacTrust Bancorp, Inc. 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. FIRST PACTRUST BANCORP, INC. Date: February 23, 2005 /s/ James P. Sheehy ----------------------------- James P. Sheehy Executive Vice President Secretary and Treasurer Table of Contents Index to Exhibits Exhibit Number Description of Exhibit -------------- ----------------------- 99.1 Press release, dated February 23, 2005, of First PacTrust Bancorp, Inc.