Form 8-K dated November 13, 2002
 
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):                                     November 13, 2002
 
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 investors and analysts on November 13, 2002
 
Item 9.    Regulation FD Disclosure
 
Colonial BancGroup (“BancGroup”) is furnishing this Current Report on Form 8-K in connection with a presentation being made by management of Colonial BancGroup on November 13, 2002. 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 2002 and beyond, including, but not limited to, an inability to maintain asset quality, meet targeted non-performing asset levels, and meet targeted returns on assets; (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/    W. Flake Oakley, IV
W. Flake Oakley, IV
its Chief Financial Officer
 
Date:    November 13, 2002

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