Santa Barbara Bank & Trust, National Association in Santa Barbara, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Santa Barbara Bank & Trust, National Association - Overview

  • General
  • FDIC Certificate #: 18169
    Status: Active
    Federal Reserve ID: 785062
    Bank Holding Company (Regulatory Top Holder): Sb Acquisition Company, Llc (RSSDID: 4139579, Location: Dallas, TX)
    Date Established: March 17, 1960
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 48 (Domestic: 48, Interstate: No)
    OTS Docket #: 14167
    FDIC's unique #: 12090
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 17, 1960
    Last Structure Change Effective Date: May 26, 2011
    Last Structure Change Process Date: June 09, 2011
    Last Data Update: June 09, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 20 East Carrillo Street, Santa Barbara, CA 93101
    County: Santa Barbara
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (West)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Santa Barbara-Santa Maria-Lompoc, CA (#7480)
    Core Based Statistical Area (CBSA): Santa Barbara-Santa Maria-Goleta, CA (#42060)
    CBSA Metro Statistical Area: Santa Barbara-Santa Maria-Goleta, CA (#42060)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $5,847.9 mil
    Equity capital: $742.1 mil
    Deposits held in domestic offices: $4,684.3 mil
    Return on assets (ROA): 1.24% ($72.5 mil)
    Quarterly return on assets: 0.86% ($50.3 mil)
    Return on Equity (ROE): 10.77% ($79.9 mil)
    Quarterly return on equity: 6.82% ($50.6 mil)
    Net income: $73.4 mil
    Quarterly Net income: $12.5 mil
    Pretax return on assets: 1.27% ($74,268.8 mil)
    Quarterly Pretax return on assets: 0.91% ($53,216.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 1,029Total employees (full-time equivalent)
  • $5,847,934Total assets
  • $222,732Cash and due from depository institutions
  • $173,408Interest-bearing balances
  • $1,503,425Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,658,505Net loans & leases
  • $5,528Loan loss allowance
  • $0Trading account assets
  • $66,279Bank premises and fixed assets
  • $52,302Other real estate owned
  • $89,255Goodwill and other intangibles
  • $5,847,934Life insurance assets
  • $255,436All other assets
  • $5,105,807Total liabilities and capital
  • $4,684,291Total liabilities
  • $3,441,508Total deposits
  • $4,684,291Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 315919.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,860Trading liabilities
  • $0Other borrowed funds
  • $90,737Subordinated debt
  • $742,127All other liabilities
  • $742,127Total equity capital
  • $742,127Total bank equity capital
  • $0Perpetual preferred stock
  • $60,000Common stock
  • $566,942Surplus
  • $115,185Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,072Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $142,365Income earned, not collected on loans
  • $0Earning assets
  • $7,296Long-term assets (5+ years)
  • $5,335,338Average Assets, year-to-date
  • $2,033,665Average Assets, quarterly
  • $5,910,068Volatile liabilities
  • $5,844,410Insider loans
  • $3,657,180FHLB advances
  • $5,766,623Loans and leases held for sale
  • $116,429Unused loan commitments
  • $15,503Tier 1 (core) risk-based capital
  • $645,651Tier 2 risk-based capital
  • $100,926Total risk weighted assets
  • $0Total unused commitments
  • $558,037Restructured Loans and leases
  • $1,946Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $271,234Total interest income
  • $41,483Total interest expense
  • $229,751Net interest income
  • $5,555Provision for loan and lease losses
  • $51,066Total noninterest income
  • $11,402Fiduciary activities
  • $13,053Service charges on deposit accounts
  • $0Trading account gains & fees
  • $26,611Additional noninterest income
  • $199,872Total noninterest expense
  • $97,089Salaries and employee benefits
  • $27,954Premises and equipment expense
  • $74,829Additional noninterest expense
  • $75,390Pre-tax net operating income
  • -$251Securities gains (losses)
  • $1,720Applicable income taxes
  • $73,419Income before extraordinary items
  • $0Extraordinary gains - net
  • $73,419Net income attributable to bank
  • $0Net charge-offs
  • $73,419Cash dividends
  • $547Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 10.77%Return on equity (ROE)
  • 10.77%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1015.54%Credit loss provision to net charge-offs
  • 147.98%Efficiency ratio
  • 68,120Assets per employee
  • 5.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.15%Loss allowance to noncurrent loans
  • 3.88%Noncurrent assets plus other real estate owned to assets
  • 3.33%Noncurrent loans to loans
  • 3.89%Net loans and leases to deposits
  • 78.10%Net loans and leases to core deposits
  • 85.08%Equity capital to assets
  • 12.69%Core capital (leverage) ratio
  • 11.20%Tier 1 risk-based capital ratio
  • 17.65%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $5,910,068Average earning assets
  • $681,928Average equity
  • $5,379,963Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,348,858Managed Assets
  • 1Number of Accounts
  • $1,216,875Personal trust and agency accounts
  • $863,668Employee benefit-defined contribution accounts
  • $28,988Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $39,985Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $153,289Other fiduciary accounts
  • $130,945Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1110Number of Accounts
  • $0Personal trust and agency accounts
  • $39,985Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $131,983Other retirement accounts
  • $2,513Corporate trust and agency accounts
  • $14,759Other fiduciary accounts
  • $106,362Fiduciary accounts held in foreign offices

Bank Assets Sold and Securitized (December 31, 2003)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $01-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $7,409Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

List of branches

  • 48 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012090Santa Barbara Bank & Trust, National Association20 East Carrillo Street, Santa Barbara, CA 93101March 17, 1960Full Service Brick and Mortar
    1244102Montecito Branch1030 Coast Village Road, Santa Barbara, CA 93108April 28, 1964Full Service Brick and Mortar
    2244103San Roque Branch3451 State Street, Santa Barbara, CA 93105November 01, 1966Full Service Brick and Mortar
    3244104Goleta Branch299 North Fairview Avenue, Goleta, CA 93117June 23, 1967Full Service Brick and Mortar
    4244105Carpinteria Branch5420 Carpinteria Avenue, Carpinteria, CA 93013March 24, 1972Full Service Brick and Mortar
    5244106Magnolia Center Branch5190 Hollister Avenue, Santa Barbara, CA 93111March 23, 1973Full Service Brick and Mortar
    6244107Cottage Branch220 Nogales Avenue, Santa Barbara, CA 93105June 04, 1979Full Service Brick and Mortar
    7244108Montecito Village Branch1483 East Valley Road, Santa Barbara, CA 93108January 14, 1980Full Service Brick and Mortar
    8244109Mesa Branch1960 Cliff Drive, Santa Barbara, CA 93109May 11, 1987Full Service Brick and Mortar
    916125Solvang Branch2010 Mission Drive, Solvang, CA 93463January 11, 1980Full Service Brick and Mortar
    11244110La Cumbre Branch3910 State Street, Santa Barbara, CA 93105September 17, 1993Full Service Brick and Mortar
    12244111Camarillo Branch2310 East Ponderosa Drive, Camarillo, CA 93010Febuary 21, 1995Full Service Brick and Mortar
    14244113Ventura Branch250 South Mills Road, Ventura, CA 93003April 10, 1995Full Service Brick and Mortar
    1514526Lompoc Branch200 North H Street, Lompoc, CA 93436April 04, 1973Full Service Brick and Mortar
    17252041Santa Maria Branch335 East Betteravia Road, Santa Maria, CA 93454December 02, 1985Full Service Brick and Mortar
    19252043Los Olivos Branch2445 Alamo Pintado Avenue, Suite 101, Los Olivos, CA 93441December 18, 1990Full Service Brick and Mortar
    20244114County Center Branch789 S. Victoria Avenue, Ventura, CA 93003Febuary 03, 1997Full Service Brick and Mortar
    21259169Leasing Division Branch319 East Carrillo, Santa Barbara, CA 93103December 01, 1987Limited Service Consumer Credit
    24189014Fillmore Branch566 Sespe Avenue, Fillmore, CA 93015March 16, 1992Full Service Brick and Mortar
    25244115Channel Islands Branch583 West Channel Islands Boulevard, Port Hueneme, CA 93041March 23, 1998Full Service Brick and Mortar
    26244116Mission Oaks Branch4646 Adolfo Road, Camarillo, CA 93012October 06, 1997Full Service Brick and Mortar
    2836443Thousand Oaks Branch33 West Thousand Oaks Boulevard, Thousand Oaks, CA 91360July 02, 1987Full Service Brick and Mortar
    29260620Westlake Village Branch101 North Westlake Boulevard, Westlake Village, CA 91362May 22, 1995Full Service Brick and Mortar
    31360909Camino Real Branch7078 Marketplace Drive, Goleta, CA 93117September 11, 2000Full Service Brick and Mortar
    3217428Salinas Branch1001 South Main Street, Salinas, CA 93901April 02, 1984Full Service Brick and Mortar
    33257913Monterey Branch495 Washington Street, Monterey, CA 93940April 02, 1984Full Service Brick and Mortar
    34257914Oldtown Branch307 Main Street, Salinas, CA 93901May 15, 1989Full Service Brick and Mortar
    3517015Watsonville Branch655 Main Street, Watsonville, CA 95076May 06, 1983Full Service Brick and Mortar
    36257915Carmel Branch26380 Carmel Rancho Lane, Carmel, CA 93923June 17, 1991Full Service Brick and Mortar
    37198332Soledad Branch695 Front Street, Soledad, CA 93960October 17, 1904Full Service Brick and Mortar
    3817109Morgan Hill Branch500 Tennant Avenue, Morgan Hill, CA 95037August 15, 1983Full Service Brick and Mortar
    39257553Gilroy Branch8000 Santa Teresa Boulevard, Gilroy, CA 95020November 14, 1983Full Service Brick and Mortar
    4017362Hollister Main300 Tres Pinos Road, Hollister, CA 95023April 04, 1984Full Service Brick and Mortar
    41257844San Juan Bautista Branch301 Third Street, San Juan Bautista, CA 95045Febuary 13, 1995Full Service Brick and Mortar
    42257845Hollister Downtown Branch650 San Benito Street, Suite 150, Hollister, CA 95023May 01, 1995Full Service Brick and Mortar
    46259111Beverly Hills Branch9320 Wilshire Boulevard, Suite 105, Beverly Hills, CA 90212October 01, 1974Full Service Brick and Mortar
    49430237Simi Valley Branch2930 Tapo Canyon Road, Simi Valley, CA 93063March 22, 2004Full Service Brick and Mortar
    50443019Salinas-Harden Ranch Branch1818 North Main Street, Salinas, CA 93906March 21, 2005Full Service Brick and Mortar
    5116302First Bank Of San Luis Obispo Branch995 Higuera Street, San Luis Obispo, CA 93401November 24, 1980Full Service Brick and Mortar
    52256099Edna Valley Branch3840-1 Broad Street, San Luis Obispo, CA 93401Febuary 01, 1999Full Service Brick and Mortar
    53446992Maravilla Branch5486 Calle Real, Goleta, CA 93111July 08, 2005Limited Service Mobile
    54449802Oxnard Branch400 East Esplanade Drive, Oxnard, CA 93036November 14, 2005Full Service Brick and Mortar
    55457869Paso Robles Spring Street Branch,1207 Spring Street, Paso Robles, CA 93446November 13, 2006Full Service Brick and Mortar
    56467917Madrone Village, South Valley National Bank715 Cochrane Road, Building #100, Morgan Hill, CA 95037July 16, 2007Full Service Brick and Mortar
    57476624Wood Ranch Office501 Country Club Drive, Wood Ranch Shopping Center, Simi Valley, CA 93065Febuary 11, 2008Full Service Retail
    58493389Casa Dorinda Branch300 Hot Springs Road, Santa Barbara, CA 93108July 07, 2008Limited Service Mobile
    59493390South Bay Banking Center Branch19191 South Vermont Avenue, Suite 470, Torrance, CA 90502November 01, 2008Full Service Brick and Mortar
    60493391Samarkand Mini Branch2550 Treasure Drive, Santa Barbara, CA 93105March 11, 2009Limited Service Mobile

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