Vitals
  • Total Assets
    336.1M 2.8 %
  • Total Deposits
    262.0M 3.6 %
  • Total Net Loans
    231.9M 8.5 %
  • Net Income
    2.3M 7.2 %
  • Book Value
    29.3M 10.3 %
  • Book Value x2
    58.7M 10.3 %
  • Book Value x3
    88.0M 10.3 %
ROAA

1.364

ROAE

15.773

Efficiency Ratio

60.66

Net Interest Margin

4.245

Balance Sheet Highlights
Financial Highlights The Factory Point National Bank Of Manchester Center All Insured Commercial Banks in Vermont
Balance Sheet $(000)
Total Assets 336,080 527,604
Total Net Loans 231,896 375,015
Total Deposits 262,008 430,983
Total Equity 29,349 44,029
Profitability
Net Income 2,298 2,941
Return on Average Assets 1.364 .83
Return on Average Equity 15.773 9.187
Net Interest Margin 4.245 4.385
Efficiency Ratio 60.66 75.607
Noninterest Income/Revenue 14.09 16.441
Balance Sheet Ratios
Loan-to-Deposit 88.507 89.537
Securities/Assets .235 .182
Total Equity/Total Assets .087 .083
Tangible Equity/Tangible Assets .08 .068
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 27,632 44,399
Tier 2 Capital 2,943 4,497
Total Capital 30,575 48,897
Total Risk Weighted Assets 234,277 386,067
Leverage Ratio 8.3 9.556
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.79 13.503
Total Capital Ratio 13.05 14.637

Timeline for The Factory Point National Bank Of Manchester Center

Berkshire Bank

The Factory Point National Bank Of Manchester Center was acquired by Berkshire Bank 16 years

View Profile Sep 22 2007

Factory Point Bancorp, Inc.

Factory Point Bancorp, Inc. became a new parent organization for The Factory Point National Bank Of Manchester Center.

View Profile Jan 01 1985

The Factory Point National Bank Of Manchester Center

The Factory Point National Bank Of Manchester Center was established 141 years ago and is currently headquartered in Manchester Center, VT.

Jan 01 1883
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Berkshire Bank Buyer 7,893,906 Acquisition Discontinued 9/22/2007
Relationships Role Relationship Start Relationship End
Factory Point Bancorp, Inc. Parent 1/1/1985 9/21/2007
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