8-K 1 l98426ae8vk.txt METROPOLITAN FINANCIAL CORP. * FORM 8-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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 23, 2003 METROPOLITAN FINANCIAL CORP. (Exact Name of Registrant as Specified in Its Charter) Ohio 000-21553 34-1109469 (State or Other Jurisdiction (Commission (I.R.S. Employer Incorporation of Organization) File Number) Identification No.) 22901 Millcreek Blvd. Highland Hills, OH 44122 (Address of Principal Executive Offices) (Zip Code) (216) 206-6000 (Registrant's Telephone Number, Including Area Code) ITEM 5. OTHER EVENTS On January 23, 2003, the Registrant issued a press release announcing its fourth quarter and year-end 2002 results. The Registrant had net income of $1.9 million, or $0.11 per fully diluted share, for the quarter ended December 31, 2002. For the year, the Registrant had a net loss of $13.4 million, or $.94 per share. The loss for the year was primarily due to increased amortization and impairment of the Registrant's mortgage servicing rights due to a continuing decline in long-term interest rates as well as fixed asset write-downs. A copy of the press release making such announcement is filed herewith as Exhibit 99.1. ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS (c) Exhibits 99.1 January 23, 2003 press release. 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. METROPOLITAN FINANCIAL CORP. By: /s/ Kenneth T. Koehler ------------------------------------ Kenneth T. Koehler, President & Chief Executive Officer (on behalf of the Registrant) By: /s/ Marcus Faust ------------------------------------ Marcus Faust, Executive Vice President & Chief Financial Officer By: /s/ Timothy W. Esson ------------------------------------ Timothy W. Esson, Vice President-Finance for the Bank (as Principal Accounting Officer) Date: January 27, 2003 EXHIBIT INDEX

Exhibit Number Exhibit Description -------------- ------------------- ~~2.1 Agreement and Plan of Merger dated October 23, 2002 by and between Metropolitan Financial Corp. and Sky Financial Group, Inc.~~ 99.1 Press Release dated ~~October~~January 2423, ~~2002~~2003.

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