# SANTA BARBARA B&T NA
SANTA BARBARA, CA · FDIC certificate 18169 · asset band $1-10B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.99B | |
| Deposits | $4.72B | |
| Loans and leases | $3.76B | |
| Total equity | $839.5M | |
| Loans / deposits | 79.53% (p53 of band) | 78.16% |
| Liquid assets / assets | 30.24% (p55 of band) | |
| Uninsured deposits / deposits | 22.08% (p65 of band) | 17.84% |
| Brokered deposits | 0.69% | |
| Wholesale funding | 6.27% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.47% (p86 of band) | 9.63% |
| Unrealized securities loss / equity | 3.92% (p47 of band) | 4.44% |
| AOCI / equity | 2.18% (p86 of band) | |
| ROA (annualized) | 1.75% (p90 of band) | 0.92% |
| Net interest margin | 4.50% (p88 of band) | 3.65% |
| Efficiency ratio | 62.58% (p42 of band) | |
| Noncurrent loans | 1.54% (p46 of band) | 1.75% |
| Net charge-offs (annualized) | 0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 12.38% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 4.05% (p12 of band) | |
| Auto loans | $3.2M (0.08% of loans; DQ 0.94%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 966 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18169 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "18169", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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