Call reports 2003
ROCKLAND TRUST COMPANY — 2003
What ROCKLAND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 2,346,746,000 | 2,425,038,000 | 2,427,153,000 | 2,434,544,000 |
| Total loans | 1,472,008,000 | 1,520,949,000 | 1,547,259,000 | 1,579,023,000 |
| Allowance for loan losses | 21,887,000 | 22,435,000 | 23,066,000 | 23,126,000 |
| Securities available for sale | 533,236,000 | 557,399,000 | 552,160,000 | 527,507,000 |
| Securities held to maturity | 140,806,000 | 134,702,000 | 129,537,000 | 121,894,000 |
| Trading assets | 1,089,000 | 1,157,000 | 1,146,000 | 1,171,000 |
| Total deposits | 1,696,122,000 | 1,771,653,000 | 1,816,215,000 | 1,793,227,000 |
| Interest-bearing deposits | 1,284,719,000 | 1,322,223,000 | 1,369,049,000 | 1,344,775,000 |
| Noninterest-bearing deposits | 411,403,000 | 449,430,000 | 447,166,000 | 448,452,000 |
| Equity capital | 203,251,000 | 205,953,000 | 208,730,000 | 211,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 32,818,000 | 66,091,000 | 98,653,000 | 130,405,000 |
| Interest expense | 8,675,000 | 17,134,000 | 24,970,000 | 32,592,000 |
| Net interest income | 24,143,000 | 48,957,000 | 73,683,000 | 97,813,000 |
| Noninterest income | 5,722,000 | 11,890,000 | 17,384,000 | 23,027,000 |
| Noninterest expense | 18,335,000 | 38,573,000 | 55,724,000 | 73,438,000 |
| Provision for loan losses | 930,000 | 1,860,000 | 2,790,000 | 3,420,000 |
| Pretax income | 10,847,000 | 22,617,000 | 34,880,000 | 46,611,000 |
| Income tax | 8,518,000 | 10,663,000 | 14,610,000 | 18,240,000 |
| Net income | 2,329,000 | 11,954,000 | 20,270,000 | 28,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,488,000 | 161,090,000 | 166,603,000 | 171,989,000 |
| Total capital | 174,221,000 | 181,256,000 | 187,175,000 | 192,668,000 |
| Risk-weighted assets | 1,576,459,000 | 1,611,020,000 | 1,643,253,000 | 1,651,838,000 |