Pacific Capital Bancorp - Earning & Dividend Analysis Snapshot

This detailed Report provides an Earnings and Dividends history for Pacific Capital Bancorp. Tabular results include up to a ten-year history of "as reported" Earnings per Share and Dividends per Share plus a calculation of the amount of earnings paid out over the year in dividends (i.e. Payout Ratio). Earnings and Dividends are presented on both a Quarterly and Annual basis. An annual Percent Change factor is calculated for both Earnings and Dividends.

Pacific Capital Bancorp. The Group's principal activities are to provide commercial banking services to households, professionals and small to medium sized businesses. The banking services include making commercial, leasing, consumer, commercial and residential real estate loans and small business administration guaranteed loans. Deposits are accepted for checking, interest-bearing checking, money-market, savings, and time accounts. It also offers safe deposit boxes, travelers checks, money orders, foreign exchange services, and cashiers checks. The Group through the trust and investment services division offers wealth management services. The services are offered through 50 banking offices under the brand names Santa Barbara Bank and Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank and First Bank of San Luis Obispo. As of 31-Dec-2008 the Group has 51branches.

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