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, 2004 (October 25, 2004)
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RURBAN FINANCIAL CORP.
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(Exact name of registrant as specified in its charter)
Ohio 0-13507 34-1395608
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(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation or organization) Identification No.)
401 Clinton Street, Defiance, Ohio 43512
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(Address of principal executive offices) (Zip Code)
(419) 783-8950
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(Registrant's telephone number, including area code)
Not Applicable
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(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:
[ ] 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))
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Item 2.02. Results of Operations and Financial Condition.
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On October 25, 2004, Rurban Financial Corp. issued a news release
reporting results for the third fiscal quarter ended September 30, 2004. A copy
of the October 25, 2004 Release is furnished as Exhibit 99 and is incorporated
herein by reference.
The information in this Item 2.02, including Exhibit 99 furnished
herewith, is being furnished and shall not be deemed to be "filed" for purposes
of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act") or
otherwise subject to the liabilities of that Section, nor shall such information
be deemed to be incorporated by reference in any registration statement or other
document filed under the Securities Act of 1933 or the Exchange Act, except as
otherwise stated in such filing.
Item 9.01 Financial Statements and Exhibits.
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Disclosure changes
Between the time of Rurban's financial press release/web cast and the
filing of Form 8-K, a clerical error was discovered which impacted components of
the Corporation's Consolidated Balance Sheet and Consolidated Financial
Highlights page as originally distributed. This clerical error related to an
intercompany transaction which should have originally been eliminated in
consolidation. The financial information included in Exhibit 99 (furnished
herewith) reflects those changes which are summarized below:
As originally reported Revised % Change
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Consolidated Financial Highlights
Book value per share $10.96 $10.95
End of Period Stockholders' Equity $50,065 $50,004 (.12%)
Consolidated Balance Sheet
Accrued interest payable $665,902 $734,751 10.3%
Total liabilities $364,633,921 $364,694,863 0.02%
Retained earnings $28,290,093 $28,229,151 (0.22%)
Total shareholders' equity $50,064,701 $50,003,759 (0.12%)
Total liabilities and shareholders' equity $414,698,622 $414,698,622 n/a
(c) Exhibits
Exhibit No. Description
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99 News Release issued by Rurban Financial Corp. on October 25, 2004.
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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.
RURBAN FINANCIAL CORP.
Dated: October 28, 2004 By: /s/ James E. Adams
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James E. Adams
Executive Vice President and
Chief Financial Officer
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INDEX TO EXHIBITS
Current Report on Form 8-K
Dated October 28, 2004
Rurban Financial Corp.
Exhibit No. Description
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99 News Release issued by Rurban Financial Corp. on October 25, 2004.
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