Hebron Savings Bank in Hebron, Maryland (MD)
Overview, Financial Summary, Detailed Financial Reports, Branches

Hebron Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 109Total employees (full-time equivalent)
  • $480,110Total assets
  • $10,930Cash and due from depository institutions
  • $2,853Interest-bearing balances
  • $31,496Securities
  • $1,234Federal funds sold & reverse repurchase agreements
  • $406,780Net loans & leases
  • $4,600Loan loss allowance
  • $0Trading account assets
  • $8,745Bank premises and fixed assets
  • $4,054Other real estate owned
  • $0Goodwill and other intangibles
  • $480,110Life insurance assets
  • $16,871All other assets
  • $443,554Total liabilities and capital
  • $389,248Total liabilities
  • $322,596Total deposits
  • $389,248Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $53,069Trading liabilities
  • $0Other borrowed funds
  • $1,237Subordinated debt
  • $36,556All other liabilities
  • $36,556Total equity capital
  • $36,556Total bank equity capital
  • $0Perpetual preferred stock
  • $4,173Common stock
  • $6,278Surplus
  • $26,105Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,621Income earned, not collected on loans
  • $0Earning assets
  • $1,759Long-term assets (5+ years)
  • $442,363Average Assets, year-to-date
  • $65,640Average Assets, quarterly
  • $476,047Volatile liabilities
  • $482,368Insider loans
  • $361,268FHLB advances
  • $486,062Loans and leases held for sale
  • $8,310Unused loan commitments
  • $5,580Tier 1 (core) risk-based capital
  • $36,321Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,730Total unused commitments
  • $53,460Restructured Loans and leases
  • $13,443Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,818Total interest income
  • $8,373Total interest expense
  • $17,445Net interest income
  • $6,130Provision for loan and lease losses
  • $535Total noninterest income
  • $0Fiduciary activities
  • $989Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$454Additional noninterest income
  • $10,201Total noninterest expense
  • $5,413Salaries and employee benefits
  • $1,706Premises and equipment expense
  • $3,082Additional noninterest expense
  • $1,649Pre-tax net operating income
  • -$8Securities gains (losses)
  • $244Applicable income taxes
  • $1,397Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,397Net income attributable to bank
  • $0Net charge-offs
  • $1,397Cash dividends
  • $5,835Sale, conversion, retirement of capital stock, net
  • $502Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 1.90%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 3.85%Return on equity (ROE)
  • 2.47%Retained earnings to average equity (YTD only)
  • 1.44%Net charge-offs to loans
  • 105.06%Credit loss provision to net charge-offs
  • 1.33%Efficiency ratio
  • 56,735Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.93%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 60.36%Noncurrent assets plus other real estate owned to assets
  • 2.43%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 104.50%Net loans and leases to core deposits
  • 115.91%Equity capital to assets
  • 7.61%Core capital (leverage) ratio
  • 7.47%Tier 1 risk-based capital ratio
  • 10.05%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $476,047Average earning assets
  • $36,282Average equity
  • $440,084Average loans

List of branches

  • 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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