Rockland Trust Company

Rockland Trust Company is headquartered in Rockland and is the 4^th largest bank in the state of Massachusetts. It is also the 168^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 909 employees at 67 locations. Rockland Trust Company has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Rockland Trust Company FDIC Certificate # 9712 BankRate Report View Year Established 1907 Employees 909 Primary Regulator FDIC Assets and Liabilities Assets $4.99 billion Loans $3.84 billion Deposits $3.98 billion Equity Capital $519.37 million Loan Loss Allowance $48.34 million Unbacked Noncurrent Loans $31.39 million Real Estate Owned $7.60 million Historic Data - March 2011 Assets $4.65 billion Equity Capital $492.84 million Loan Loss Allowance $46.44 million Unbacked Noncurrent Loans $23.13 million Real Estate Owned $9.35 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 1.04% Return on Equity 10.03% Interest Income $48.29 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Rockland Trust Company had $38.98 million in non-current loans and owned real-estate with $567.71 million in equity and loan loss allowances on hand to cover it. This gives Rockland Trust Company a Texas Ratio of 6.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Rockland Trust Company held steady from 6.02% as of March 31, 2011 to 6.87% as of March 31, 2012, resulting in a negative change of 14.04%. This indicates that the balance sheet and financial strength for Rockland Trust Company has held steady in recent periods. Deposit Growth In the past year, Rockland Trust Company has increased its total deposits by $372.39 million, resulting in 10.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Rockland Trust Company has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Rockland Trust Company has $4.99 billion in assets with $567.71 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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