Form 8-K dated October 28, 2003

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):   October 28, 2003

 

THE COLONIAL BANCGROUP, INC.

(Exact name of registrant as specified in its charter)

 

DELAWARE

  

1-13508

  

63-0661573

(State or other jurisdiction of

incorporation or organization)

   (Commission File Number)   (I.R.S. Employer Identification No.)

 

One Commerce Street

Montgomery, Alabama 36104

(Address of principle executive offices)

 

(334) 240-5000

(Registrant’s telephone number)

 

Item 7.    Financial Statements and Exhibits

 

The following exhibit is furnished as Regulation FD Disclosure to this Current Report on Form 8-K:

 

Exhibit No.    Exhibit
99.1    Presentations to institutional investors and analysts on October 28, 2003 and October 29, 2003

 

Item 9.    Regulation FD Disclosure

 

Colonial BancGroup (“BancGroup”) is furnishing this Current Report on Form 8-K with in connection with presentations being made by management of Colonial BancGroup on October 28, and 29, 2003. Attached hereto and incorporated herein as Exhibit 99.1 is the text of that presentation. This presentation contains “forward-looking statements” within the meaning of the federal securities laws. The forward-looking statements in this presentation are subject to risks and uncertainties that could cause actual results to differ materially from those expressed in or implied by the statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among other things, the following possibilities: (i) an inability of the company to realize elements of its strategic plans for 2003 and beyond; (ii) increases in competitive pressure in the banking industry; (iii) general economic conditions, either nationally or regionally, that are less favorable than expected; (iv) expected cost savings from recent and acquisitions are not fully realized; (v) changes in the interest rate environment which reduce margins; (vi) management’s assumptions regarding allowance for loan losses may not be borne out by subsequent events; and (vii) changes which may occur in the regulatory environment. When used in this presentation, the words “believes,” “estimates,” “plans,” “expects,” “should,” “may,” “might,” “outlook,” and “anticipates,” and similar expressions as they relate to BancGroup (including its subsidiaries) or its management are intended to identify forward-looking statements. Forward-looking statements speak only as to the date they are made. BancGroup does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made.

SIGNATURE

 

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.

 

THE COLONIAL BANCGROUP, INC.

 

By:  /s/  Sheila Moody

Sheila Mooday

its Chief Accounting Officer

 

Date: October 28, 2003