Pacific Capital Bancorp (PCBC) is a bank holding company. The Company provides a range of commercial and consumer banking services to households, professionals, and businesses through its wholly owned subsidiary Santa Barbara Bank & Trust, National Association (the Bank or SBB&T). The Bank’s products include commercial and industrial, consumer, commercial and residential real estate loans and Small Business Administration loans. Depository services include checking, interest bearing checking, money market demand accounts, savings, and certificate of deposit accounts, as well as safe deposit boxes, travelers’ checks, money orders, foreign exchange services, and cashier’s checks. The Bank also offers a range of wealth management services through a service trust operation and two registered investment advisors that are wholly owned subsidiaries, Morton Capital Management and R.E. Wacker Associates. It operated in two segments: Commercial and Community Banking and Wealth Management.