Call reports 2004
ROCKLAND TRUST COMPANY — 2004
What ROCKLAND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,536,896,000 | 2,673,340,000 | 2,893,020,000 | 2,936,741,000 |
| Total loans | 1,623,998,000 | 1,694,594,000 | 1,875,540,000 | 1,914,348,000 |
| Allowance for loan losses | 23,430,000 | 23,894,000 | 25,216,000 | 25,160,000 |
| Securities available for sale | 594,964,000 | 653,452,000 | 674,265,000 | 680,286,000 |
| Securities held to maturity | 118,328,000 | 114,799,000 | 109,179,000 | 107,967,000 |
| Trading assets | 1,530,000 | 1,500,000 | 1,493,000 | 1,572,000 |
| Total deposits | 1,851,429,000 | 1,999,573,000 | 2,134,427,000 | 2,064,387,000 |
| Interest-bearing deposits | 1,413,313,000 | 1,523,116,000 | 1,616,195,000 | 1,568,589,000 |
| Noninterest-bearing deposits | 438,116,000 | 476,457,000 | 518,232,000 | 495,798,000 |
| Equity capital | 219,672,000 | 213,087,000 | 250,960,000 | 257,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 32,000,000 | 64,713,000 | 100,142,000 | 136,939,000 |
| Interest expense | 7,641,000 | 15,715,000 | 24,512,000 | 33,470,000 |
| Net interest income | 24,359,000 | 48,998,000 | 75,630,000 | 103,469,000 |
| Noninterest income | 5,473,000 | 11,221,000 | 16,927,000 | 24,550,000 |
| Noninterest expense | 18,993,000 | 37,559,000 | 56,300,000 | 77,089,000 |
| Provision for loan losses | 744,000 | 1,488,000 | 2,249,000 | 3,018,000 |
| Pretax income | 11,092,000 | 22,169,000 | 35,466,000 | 49,370,000 |
| Income tax | 3,362,000 | 7,338,000 | 11,358,000 | 15,233,000 |
| Net income | 7,730,000 | 14,831,000 | 24,108,000 | 34,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 176,643,000 | 180,636,000 | 191,771,000 | 198,662,000 |
| Total capital | 198,083,000 | 203,205,000 | 216,167,000 | 223,398,000 |
| Risk-weighted assets | 1,713,226,000 | 1,804,156,000 | 1,950,831,000 | 1,978,490,000 |