NBRS Financial in Rising Sun, Maryland (MD), PA
Overview, Financial Summary, Detailed Financial Reports, Branches


  • NBRS Financial in Rising Sun, Maryland (MD), PA
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NBRS Financial - Overview

  • General
  • FDIC Certificate #: 4862
    Status: Active
    Federal Reserve ID: 368429
    Bank Holding Company (Regulatory Top Holder): Rising Sun Bancorp (RSSDID: 1846232, Location: Rising Sun, MD)
    Date Established: July 01, 1880
    WWW: http://www.nbrs.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 8 (Domestic: 8, Interstate: Yes)
    OTS Docket #: 10170
    FDIC's unique #: 3239
    Numeric code: 13
    Regulator: FED
    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: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 6 Pearl Street, Rising Sun, MD 21911
    County: Cecil
    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
    Metropolitan Statistical Area (MSA): Wilmington-Newark, DE-MD (#9160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Wilmington, DE-MD-NJ (#48864)
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $246.2 mil
    Equity capital: $16.5 mil
    Deposits held in domestic offices: $226.8 mil
    Return on assets (ROA): -0.27% (-$0.7 mil)
    Quarterly return on assets: -0.94% (-$2.3 mil)
    Return on Equity (ROE): -4.37% (-$0.7 mil)
    Quarterly return on equity: -13.93% (-$2.4 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -0.28% (-$689.4 mil)
    Quarterly Pretax return on assets: -0.95% (-$2,338.9 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
  • 70Total employees (full-time equivalent)
  • $246,202Total assets
  • $27,652Cash and due from depository institutions
  • $24,203Interest-bearing balances
  • $23,354Securities
  • $2,906Federal funds sold & reverse repurchase agreements
  • $177,861Net loans & leases
  • $5,410Loan loss allowance
  • $0Trading account assets
  • $2,598Bank premises and fixed assets
  • $4,008Other real estate owned
  • $0Goodwill and other intangibles
  • $246,203Life insurance assets
  • $7,823All other assets
  • $229,694Total liabilities and capital
  • $226,778Total liabilities
  • $194,374Total deposits
  • $226,778Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,916Subordinated debt
  • $16,509All other liabilities
  • $16,509Total equity capital
  • $16,509Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $11,634Surplus
  • $4,725Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,662Income earned, not collected on loans
  • $0Earning assets
  • $698Long-term assets (5+ years)
  • $228,324Average Assets, year-to-date
  • $17,555Average Assets, quarterly
  • $257,111Volatile liabilities
  • $248,138Insider loans
  • $180,775FHLB advances
  • $247,929Loans and leases held for sale
  • $4,982Unused loan commitments
  • $4,982Tier 1 (core) risk-based capital
  • $16,368Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,208Restructured Loans and leases
  • $9,938Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,704Total interest income
  • $2,403Total interest expense
  • $9,301Net interest income
  • $1,625Provision for loan and lease losses
  • $1,592Total noninterest income
  • $0Fiduciary activities
  • $659Service charges on deposit accounts
  • $0Trading account gains & fees
  • $933Additional noninterest income
  • $10,115Total noninterest expense
  • $4,018Salaries and employee benefits
  • $1,915Premises and equipment expense
  • $4,182Additional noninterest expense
  • -$847Pre-tax net operating income
  • $136Securities gains (losses)
  • -$6Applicable income taxes
  • -$705Income before extraordinary items
  • $0Extraordinary gains - net
  • -$705Net income attributable to bank
  • $0Net charge-offs
  • -$705Cash dividends
  • $2,013Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 4.24%Noninterest expense to earning assets
  • -0.33%Net operating income to assets
  • -0.27%Return on assets (ROA)
  • -0.28%Pretax return on assets
  • -4.37%Return on equity (ROE)
  • -4.37%Retained earnings to average equity (YTD only)
  • 1.01%Net charge-offs to loans
  • 80.73%Credit loss provision to net charge-offs
  • 0.39%Efficiency ratio
  • 92,858Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.95%Loss allowance to noncurrent loans
  • 30.63%Noncurrent assets plus other real estate owned to assets
  • 8.80%Noncurrent loans to loans
  • 9.64%Net loans and leases to deposits
  • 78.43%Net loans and leases to core deposits
  • 84.78%Equity capital to assets
  • 6.71%Core capital (leverage) ratio
  • 6.60%Tier 1 risk-based capital ratio
  • 9.05%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $257,111Average earning assets
  • $16,118Average equity
  • $238,647Average loans

Total Fiduciary and Related Assets (December 31, 2002)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $12Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $12Other retirement accounts
  • $12Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03239Nbrs Financial6 Pearl Street, Rising Sun, MD 21911July 01, 1880Full Service Brick and Mortar
    1204674Harve De Grace Branch800 Revolution Street, Havre De Grace, MD 21078January 18, 2000Full Service Brick and Mortar
    2429742Perryville Branch4871 Pulaski Highway, Perryville, MD 21903May 25, 2004Full Service Brick and Mortar
    3429743Dublin Branch3535 Conowingo Rd, Street, MD 21154July 18, 2003Full Service Brick and Mortar
    5443410Bel Air Branch101 North Main St, Bel Air, MD 21014June 30, 2005Full Service Brick and Mortar
    6443411Elkton Branch305 Augustine Herman Hwy, Elkton, MD 21921June 03, 2005Full Service Brick and Mortar
    7444059Aberdeen Branch201 West Bel Air Avenue, Aberdeen, MD 21001December 28, 2004Full Service Brick and Mortar
  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4216422The Penn Hill Branch2006 Lancaster Pike, Peach Bottom, PA 17563October 03, 1973Full Service Brick and Mortar

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