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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
August 1, 2003
Date of Report (Date of earliest event reported)
PEAPACK-GLADSTONE FINANCIAL CORPORATION
(Exact name of Registrant as Specified in its Charter)
New Jersey
(State or Other Jurisdiction of Incorporation)
001-16197 22-3537895
(Commission File Number) (IRS Employer Identification No.)
158 Route 206, Peapack-Gladstone, New Jersey 07934
(Address of principal executive offices)
(908) 234-0700
(Registrant's telephone number, including area code)
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INFORMATION TO BE INCLUDED IN THE REPORT
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
(c) Exhibits.
Exhibit No. Title
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99.1 Press Release dated August 1, 2003.
Items 9 and 12.
The following information is disclosed pursuant to Item 12 on Form 8-K:
On August 1, 2003, Peapack-Gladstone Financial Corporation (the "Corporation")
issued a press release reporting earnings and other financial results for its
second quarter of 2003, which ended June 30, 2003. A copy of the press release
is attached to this Current Report on Form 8-K as Exhibit 99.1 and incorporated
by reference herein.
In addition to the financial results determined in accordance with generally
accepted accounting principles ("GAAP"), the press release also contains
financial information determined by methods other than in accordance with GAAP.
The Corporation's management uses these non-GAAP measures, which it defines as
"operating" measures, in their analysis of the Corporation's performance. These
"operating" measures adjust GAAP income before extraordinary item and cumulative
effect of a change in accounting principle to exclude the effects of unusual
items, such as restructuring charges and write downs, costs associated with debt
redemptions, acquisition and conversion related charges, impairment of equity
securities and other items we believe are not indicative of our on-going
operations. The Corporation believes that these non-GAAP operating measures
supplement our GAAP financial information and provide useful measures of
evaluating the Corporation's operating results and any related trends that may
be affecting the Corporation's business. These disclosures should not be viewed
as a substitute for operating results determined in accordance with GAAP, nor
are they necessarily comparable to non-GAAP performance measures that may be
presented by other companies.
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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 thereunto duly authorized.
PEAPACK-GLADSTONE FINANCIAL CORPORATION
Dated: August 4, 2003 By: /s/ Arthur F. Birmingham
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Arthur F. Birmingham
Executive Vice President and
Chief Financial Officer
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EXHIBIT INDEX
Exhibit No. Title
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99.1 Press Release dated August 1, 2003.
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