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): January 20, 2006
CAMCO FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
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| DELAWARE
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0-25196
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51-0110823 |
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| (State or other
jurisdiction of
incorporation)
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(Commission File No.)
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(IRS Employer I.D. No.) |
6901 Glenn Highway, Cambridge, Ohio 43725
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code: (740) 435-2020
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):
o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17
CFR 240.14d-2(b))
o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17
CFR 240.13e-4(c))
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TABLE OF CONTENTS
Section 2
— Financial Information
Item 2.02 Results of Operations and Financial Condition.
On January 20, 2006, Camco Financial Corporation (“Camco”) issued a press release regarding
its earnings for the year ended December 31, 2005. The press release is attached as Exhibit 99
hereto and is incorporated herein by reference.
The
press release includes one or more non-GAAP financial measures within
the meaning of Regulation G. With respect to each, Camco has
disclosed the most directly comparable financial measure calculated
and presented in accordance with GAAP and reconciled the differences
between the non-GAAP financial measure and the most comparable
financial measure presented in accordance with GAAP.
Camco
believes that the presentation of the non-GAAP financial measures in
the press release assists management and investors to compare results
period-to-period in a more meaningful and consistent manner and
provides a better measure of results for Camco’s ongoing
operations.
Section 9
— Financial Statements and Exhibits
Item 9.01 Financial Statements and Exhibits.
(a) Financial statements of business acquired.
Not applicable.
(b) Pro forma financial information.
Not applicable.
(c) Exhibits.
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| Exhibit No. |
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Description |
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99 |
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Press Release of Camco dated January 20, 2006 |
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