Montecito Bank & Trust
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 2.3 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.4).
Asset Mix:
Securities (29%), comm re (27%), home mtgs (15%), comm loans (5%), cash (2%), home eq lns (2%), consumer loans (1%), other (19%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Montecito Bancorp
Investment Rating
--
Address
1010 State Street
Santa Barbara, CA 93101
Santa Barbara, CA 93101
Phone Number
(805) 564-0256
Year Founded
1975
FDIC Number
Website
Largest Affiliates
No affiliate information available.