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): July 23, 2007
FIRST CHARTER CORPORATION
(Exact name of registrant as specified in its charter)
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| North Carolina
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0-15829
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56-1355866 |
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| (State or other
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(Commission
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(IRS Employer |
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File Number)
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Identification No.) |
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10200 David Taylor Drive, Charlotte, North Carolina 28262-2373
(Address, including zip code, of principal executive offices)
(704) 688-4300
(Registrant’s telephone number, including area code)
Not Applicable
(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 (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))
Item 2.02 Results of Operations and Financial Condition.
Item 7.01 Regulation FD Disclosure.
The following information is furnished pursuant to Item 2.02, “Results of Operations and
Financial Condition” and Item 7.01, “Regulation FD Disclosure.”
On
July 23, 2007, First Charter Corporation announced its financial
results for the three- and six-month periods ended June 30, 2007. A copy of the news release is furnished as Exhibit 99.1 to this
Current Report on Form 8-K.
In addition, on May 3, 3007, management provided
updated earnings guidance for fiscal 2007 of between
$1.60 and $1.66 per share. However, because of the previously disclosed provision recorded for the Penland
loan portfolio (approximately $0.134 per share after-tax), First Charter no longer expects to meet its
prior earnings guidance for the year. First Charter does not undertake to update its earnings guidance
at this time.
On July 24, 2007, as previously announced, the First Charter executive management team will
review and discuss the Corporation’s second quarter and first-half 2007 financial results. The
slide package prepared for use by the First Charter Corporation executive management team at this
presentation is available at First Charter Corporation’s website, www.firstcharter.com, and is also
furnished herewith as Exhibit 99.2. In addition, all of the information in the presentation is
presented as of July 23, 2007, and First Charter Corporation does not assume any obligation to
update such information in the future.
The information included in Items 2.02 and 7.01, as well as Exhibits 99.1 and 99.2 referenced
herein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of
1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of
1933.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
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99.1 |
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News Release disseminated on July 23, 2007, by First Charter Corporation |
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99.2 |
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Slide Package prepared for use by the First Charter Corporation
executive management team for the second quarter 2007 earnings
conference call held on July 24, 2007 |