Pacific Capital Bank, National Association

Pacific Capital Bank, National Association is headquartered in Santa Barbara and is the 14^st largest bank in the state of California. It is also the 154^th largest bank in the nation. It was established in 1960 and as of March of 2012, it had grown to 1,022 employees at 48 locations. Pacific Capital Bank, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Santa Barbara Bank & Trust, National Association FDIC Certificate # 18169 BankRate Report View Year Established 1960 Employees 1022 Primary Regulator OCC Assets and Liabilities Assets $5.84 billion Loans $3.74 billion Deposits $4.65 billion Equity Capital $769.56 million Loan Loss Allowance $6.27 million Unbacked Noncurrent Loans $145.08 million Real Estate Owned $58.79 million Historic Data - March 2011 Assets $5.94 billion Equity Capital $638.23 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $238.09 million Real Estate Owned $41.67 million Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 1.26% Return on Equity 9.78% Interest Income $66.37 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Pacific Capital Bank, National Association had $203.86 million in non-current loans and owned real-estate with $775.83 million in equity and loan loss allowances on hand to cover it. This gives Pacific Capital Bank, National Association a Texas Ratio of 26.28% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pacific Capital Bank, National Association decreased slightly from 43.69% as of March 31, 2011 to 26.28% as of March 31, 2012, resulting in a positive change of 39.85%.This indicates that the balance sheet and financial strength for Pacific Capital Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Pacific Capital Bank, National Association has decreased its total deposits by -$174.34 million, resulting in -3.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pacific Capital Bank, National Association has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pacific Capital Bank, National Association has $5.84 billion in assets with $775.83 million in equity, resulting in a capitalization level of 13.28%, which is excellent.

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