Pacific Capital Bancorp Continues to Grow

“We have exciting growth plans endorsed by the Bank over the near term
... and all for our own account.   We are now doing three times as much
business as we were last year and still decisioning within a day under
our new credit platform. 

”The challenge now is funding all of the new approvals in a timely
manner.  We are trying to add funding personnel as fast as possible to
handle the increased workload.   We are excited to be able to fill the
voids in broker funding that the industry has been experiencing.  We
hope our sources can be patient with us on the funding backlog in the
short run.  My goals in this business have always been to grow
consistent, long term funding relationships with the best in the
industry.”

Best regards, Paul

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Paul J. Menzel, CLP
Senior Vice President
Community Bank Lending Group
PACIFIC CAPITAL BANCORP
SANTA BARBARA BANK & TRUST
P.O. Box 60607
Santa Barbara, CA 93160-0607
1 South Los Carneros Road
Santa Barbara, CA 93117
Dir Ph# (805)560-1650
Email     PaulM@sbbt.com
Mailcode: #67