Hebron Savings Bank in Hebron, Maryland (MD)

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Hebron Savings Bank
GeneralFDIC Certificate #: 8811
Status: Active
Federal Reserve ID: 780722
Bank Holding Company (Regulatory Top Holder): Hsb Bancorp, Inc. (RSSDID: 2876544, Location: Hebron, MD)
Date Established: June 11, 1910
WWW: http://www.hebronsavingsbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 12216
FDIC's unique #: 5614
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 101 North Main Street, Hebron, MD 21830
County: Wicomico
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Baltimore
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Salisbury-Ocean Pines, MD (#480)
Core Based Statistical Area (CBSA): Salisbury, MD (#41540)
CBSA Metro Statistical Area: Salisbury, MD (#41540)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $480.1 mil
Equity capital: $36.6 mil
Deposits held in domestic offices: $389.2 mil
Return on assets (ROA): 0.29% ($1.4 mil)
Quarterly return on assets: -0.07% (-$0.3 mil)
Return on Equity (ROE): 3.85% ($1.4 mil)
Quarterly return on equity: -0.93% (-$0.3 mil)
Net income: $1.4 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.34% ($1,632.4 mil)
Quarterly Pretax return on assets: -0.53% (-$2,544.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)109
Total assets$480,110
Cash and due from depository institutions$10,930
Interest-bearing balances$2,853
Federal funds sold & reverse repurchase agreements$1,234
Net loans & leases$406,780
Loan loss allowance $4,600
Trading account assets$0
Bank premises and fixed assets$8,745
Other real estate owned$4,054
Goodwill and other intangibles$0
All other assets$16,871
Life insurance assets$480,110
Total liabilities and capital$443,554
Total liabilities$389,248
Total deposits$322,596
Interest-bearing deposits$389,248
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$53,069
Other borrowed funds $0
Subordinated debt $1,237
All other liabilities $36,556
Total equity capital$36,556
Total bank equity capital$36,556
Perpetual preferred stock$0
Common stock$4,173
Undivided profits $26,105
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $7,621
Earning assets $0
Long-term assets (5+ years) $1,759
Average Assets, year-to-date $442,363
Average Assets, quarterly $65,640
Volatile liabilities $476,047
Insider loans $482,368
FHLB advances $361,268
Loans and leases held for sale $486,062
Unused loan commitments $8,310
Tier 1 (core) risk-based capital $5,580
Tier 2 risk-based capital $36,321
Total risk weighted assets $0
Total unused commitments $2,730
Restructured Loans and leases $53,460
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $25,818
Total interest expense $8,373
Net interest income $17,445
Provision for loan and lease losses $6,130
Total noninterest income $535
Fiduciary activities $0
Service charges on deposit accounts $989
Trading account gains & fees $0
Additional noninterest income -$454
Total noninterest expense $10,201
Salaries and employee benefits $5,413
Premises and equipment expense $1,706
Additional noninterest expense $3,082
Pre-tax net operating income $1,649
Securities gains (losses) -$8
Applicable income taxes $244
Income before extraordinary items $1,397
Extraordinary gains - net $0
Net income attributable to bank $1,397
Net charge-offs $0
Cash dividends $1,397
Sale, conversion, retirement of capital stock, net $5,835
Net operating income $502
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.87%
Cost of funding earning assets 1.90%
Net interest margin 3.96%
Noninterest income to earning assets 0.12%
Noninterest expense to earning assets 2.32%
Net operating income to assets 0.29%
Return on assets (ROA) 0.29%
Pretax return on assets 0.34%
Return on equity (ROE) 3.85%
Retained earnings to average equity (YTD only) 2.47%
Net charge-offs to loans 1.44%
Credit loss provision to net charge-offs 105.06%
Efficiency ratio1.33%
Assets per employee$56,735
Cash dividends to net income (YTD only)4.40%
Condition Ratios (%)
Loss allowance to loans 35.93%
Loss allowance to noncurrent loans 1.12%
Noncurrent assets plus other real estate owned to assets 60.36%
Noncurrent loans to loans 2.43%
Net loans and leases to deposits1.85%
Net loans and leases to core deposits 104.50%
Equity capital to assets 115.91%
Core capital (leverage) ratio 7.61%
Tier 1 risk-based capital ratio 7.47%
Total risk-based capital ratio 10.05%
Average assets$11
Average earning assets$476,047
Average equity $36,282
Average loans $440,084
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11 Maryland Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05614Hebron Savings Bank101 North Main Street, Hebron, MD 21830June 11, 1910Full Service Brick and Mortar
1219028Carroll Street Branch415 E. Carroll Street, Salisbury, MD 21804April 02, 1984Full Service Brick and Mortar
2204393Sharptown Branch303 Main Street, Sharptown, MD 21861November 06, 1902Full Service Brick and Mortar
3204438Vienna Branch100 Market & Race Streets, Vienna, MD 21869August 01, 1906Full Service Brick and Mortar
4287730Cambridge Branch6 Cedar Street, Cambridge, MD 21613June 30, 1986Full Service Brick and Mortar
5219029Quantico Square Branch1008 West Main Street, Salisbury, MD 21801June 01, 1998Full Service Brick and Mortar
6362053Princess Anne Branch30499 Mt. Vernon Road, Princess Anne, MD 21853May 21, 2001Full Service Brick and Mortar
7430100Mt Hermon Branch1310 Mt. Hermon Road, Salisbury, MD 21804November 10, 2003Full Service Brick and Mortar
8452562Fruitland Branch108 East Cedar Lane, Fruitland, MD 21826August 02, 2005Full Service Brick and Mortar
9478797Crisfield Branch57 Richardson Avenue, Crisfield, MD 21817July 02, 2007Full Service Brick and Mortar
10522235Riverside Branch543c Riverside Dr, Salisbury, MD 21801June 30, 2011Full Service Retail
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