BALTIMORE, Oct. 28 /PRNewswire-FirstCall/ -- Provident Bankshares
Corporation (Nasdaq: PBKS), the parent company of Provident Bank, today
announced that it will present at the Mid-Atlantic 2003 Super-Community Bank
Conference being held in Philadelphia, Pennsylvania on November 3 & 4, 2003.
Provident's Chairman and CEO Gary N. Geisel, and CFO Dennis Starliper,
will present the Company's strategies and results to the conference at
10:35 a.m. on Tuesday, November 4, 2003. The presentation will include a
discussion of the Company's third quarter 2003 results of operations and may
include forward-looking information.
A simultaneous webcast of the presentation, both audio and slides, will be
available to the public on Provident's website at http://www.provbank.com. To access
the webcast, go to the Company's website at least 15 minutes early to
register, download, and install any necessary software. When in the Company's
website, click on the link to "Corporate Information and Investor Relations"
at http://www.provbank.com and then click on the link to "Mid-Atlantic 2003 Super-
Community Bank Conference" webcast and download Real Player or Media Player as
necessary. A replay of the webcast will be available through the end of
November.
Provident Bankshares Corporation is the holding company for Provident
Bank, the second largest independent commercial bank headquartered in
Maryland. With $5.0 billion in assets, Provident serves individuals and
businesses in the Baltimore-Washington corridor through a network of
114 banking offices in Maryland, Northern Virginia, and southern York County,
Pa. Provident Bank also offers related financial services through wholly
owned subsidiaries. Mutual funds, annuities and insurance products are
available through Provident Investment Company and leases through Court Square
Leasing and Provident Lease Corp. Visit Provident on the web at
http://www.provbank.com.
This release, as well as other written communications made from time to
time by Provident Bankshares Corporation and subsidiaries (the "Company")
(including, without limitation, the Company's 2002 Annual Report to
Stockholders) and oral communications made from time to time by authorized
officers of the Company, may contain statements relating to the future results
of the Company (including certain projections and business trends) that are
considered "forward-looking statements" as defined in the Private Securities
Litigation Reform Act of 1995 (the PSLRA). Such forward-looking statements may
be identified by the use of such words as "believe," "expect," "anticipate,"
"should," "planned," "estimated," "intend" and "potential." Examples of
forward-looking statements include, but are not limited to, possible or
assumed estimates with respect to the financial condition, expected or
anticipated revenue, and results of operations and business of the Company,
including with respect to earnings growth (on both accounting principles
generally accepted in the United States of America (GAAP) and cash basis);
revenue growth in consumer banking, lending and other areas; origination
volume in the Company's consumer, commercial and other lending businesses;
asset quality and levels of non-performing assets; current and future capital
management programs; non-interest income levels, including fees from services
and product sales; tangible capital generation; market share; expense levels;
and other business operations and strategies. For these statements, the
Company claims the protection of the safe harbor for forward-looking
statements contained in the PSLRA.
The Company cautions you that a number of important factors could cause
actual results to differ materially from those currently anticipated in any
forward-looking statement. Such factors include, but are not limited to:
prevailing economic conditions; changes in interest rates, loan demand, real
estate values and competition, which can materially affect, among other
things, consumer banking revenues, revenues from sales on non-deposit
investment products, origination levels in the Company's lending businesses
and the level of defaults, losses and prepayments on loans made by the
Company, whether held in portfolio or sold in the secondary markets; changes
in accounting principles, policies, and guidelines; changes in any applicable
law, rule, regulation or practice with respect to tax or legal issues; risks
and uncertainties related to acquisitions and related integration and
restructuring activities; and other economic, competitive, governmental,
regulatory and technological factors affecting the Company's operations,
pricing, products and services. The forward-looking statements are made as of
the date of this report, and, except as may be required by applicable law or
regulation, the Company assumes no obligation to update the forward-looking
statements or to update the reasons why actual results could differ from those
projected in the forward-looking statements.
In the event that any non-GAAP financial information is described in any
written communication or as part of the conference presentation, please refer
to the supplemental financial tables on our website for the GAAP
reconciliation of this information.
SOURCE Provident Bankshares Corporation
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Related links:
http://www.provbank.com
Company News On-Call:
http://www.prnewswire.com/comp/721938.html
CONTACT:
Media: Lillian Kilroy, +1-410-277-2833, or
Investment Community: Josie Porterfield, +1-410-277-2889, both of
Provident Bankshares
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