VIST Bank in Wyomissing, Pennsylvania (PA)



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VIST Bank routing number info

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VIST Bank
GeneralFDIC Certificate #: 7748
Status: Active
Federal Reserve ID: 678717
Bank Holding Company (Regulatory Top Holder): Vist Financial Corp. (RSSDID: 1136139, Location: Wyomissing, PA)
Date Established: April 08, 1891
WWW: http://www.vistfc.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 26 (Domestic: 26, Interstate: No)
OTS Docket #: 9875
FDIC's unique #: 4999
Numeric code: 21
Regulator: FDIC
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: November 19, 2010
Last Structure Change Process Date: November 22, 2010
Last Data Update: November 22, 2010
Data Source Date: April 05, 2012
LocationAddress: 1240 Broadcasting Road, Wyomissing, PA 19610
County: Berks
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Reading, PA (#6680)
Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
Core Based Statistical Area (CBSA): Reading, PA (#39740)
CBSA Metro Statistical Area: Reading, PA (#39740)
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal assets: $1,414.6 mil
Equity capital: $112.8 mil
Deposits held in domestic offices: $1,193.3 mil
Return on assets (ROA): -1.11% (-$15.7 mil)
Quarterly return on assets: -5.74% (-$81.2 mil)
Return on Equity (ROE): -13.10% (-$14.8 mil)
Quarterly return on equity: -68.24% (-$77.1 mil)
Net income: -$15.8 mil
Quarterly Net income: -$20.7 mil
Pretax return on assets: -1.06% (-$14,994.8 mil)
Quarterly Pretax return on assets: -5.74% (-$81,198.4 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)
Total employees (full-time equivalent)200
Total assets$1,414,606
Cash and due from depository institutions$22,638
Interest-bearing balances$6,342
Securities$375,727
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$948,499
Loan loss allowance $14,049
Trading account assets$0
Bank premises and fixed assets$4,872
Other real estate owned$4,320
Goodwill and other intangibles$6,416
All other assets$52,134
Life insurance assets$1,414,606
Total liabilities and capital$1,301,768
Total liabilities$1,193,327
Total deposits$1,121,831
Interest-bearing deposits$1,193,327
Deposits held in domestic offices$87
% insured (estimated)103362.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $5,079
All other liabilities $112,838
Total equity capital$112,838
Total bank equity capital$112,838
Perpetual preferred stock$0
Common stock$4,300
Surplus$80,761
Undivided profits $27,777
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,365
Income earned, not collected on loans $42,374
Earning assets $1,507
Long-term assets (5+ years) $5,297
Average Assets, year-to-date $1,330,568
Average Assets, quarterly $662,595
Volatile liabilities $1,423,862
Insider loans $1,440,541
FHLB advances $956,365
Loans and leases held for sale $1,455,096
Unused loan commitments $19,830
Tier 1 (core) risk-based capital $2,343
Tier 2 risk-based capital $104,366
Total risk weighted assets $17,487
Total unused commitments $0
Restructured Loans and leases $208,704
Derivatives$8,853
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $67,841
Total interest expense $19,919
Net interest income $47,922
Provision for loan and lease losses $9,035
Total noninterest income $3,685
Fiduciary activities $0
Service charges on deposit accounts $1,636
Trading account gains & fees $0
Additional noninterest income $2,049
Total noninterest expense $57,751
Salaries and employee benefits $11,936
Premises and equipment expense $5,892
Additional noninterest expense $39,923
Pre-tax net operating income -$15,179
Securities gains (losses) $76
Applicable income taxes $680
Income before extraordinary items -$15,783
Extraordinary gains - net $0
Net income attributable to bank -$15,783
Net charge-offs $0
Cash dividends -$15,783
Sale, conversion, retirement of capital stock, net $9,776
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.11%
Cost of funding earning assets 1.50%
Net interest margin 3.61%
Noninterest income to earning assets 0.28%
Noninterest expense to earning assets 4.35%
Net operating income to assets -1.11%
Return on assets (ROA) -1.11%
Pretax return on assets -1.06%
Return on equity (ROE) -13.10%
Retained earnings to average equity (YTD only) -13.10%
Net charge-offs to loans 0.99%
Credit loss provision to net charge-offs 92.42%
Efficiency ratio-0.63%
Assets per employee$68,167
Cash dividends to net income (YTD only)7.07%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.46%
Noncurrent assets plus other real estate owned to assets 33.15%
Noncurrent loans to loans 3.48%
Net loans and leases to deposits4.40%
Net loans and leases to core deposits 79.48%
Equity capital to assets 87.49%
Core capital (leverage) ratio 7.98%
Tier 1 risk-based capital ratio 7.17%
Total risk-based capital ratio 10.91%
Memoranda
Average assets$12
Average earning assets$1,423,862
Average equity $120,466
Average loans $1,327,211
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26 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04999Vist Bank1240 Broadcasting Road, Wyomissing, PA 19610April 08, 1891Full Service Brick and Mortar
4216028Blandon Branch100 Plaza Drive, Blandon, PA 19510December 26, 1961Full Service Brick and Mortar
5216029Wyomissing Hills Branch1199 Berkshire Boulevard, Wyomissing, PA 19610May 23, 1988Full Service Brick and Mortar
6216030Phoebe Berks BranchOne Reading Drive, Wernersville, PA 19565January 31, 1994Full Service Brick and Mortar
8216032Northeast Reading Branch1210 Rockland Street, Reading, PA 19604December 05, 1994Full Service Brick and Mortar
9216033Hamburg Branch801 South Fourth Street, Hamburg, PA 19526Febuary 11, 1998Full Service Brick and Mortar
10216034Breezy Corners Office Branch3401-3 Pricetown Road, Fleetwood, PA 19522September 01, 1998Full Service Brick and Mortar
11216035Bern Township Office909 West Leesport Road, Leesport, PA 19533Febuary 22, 1999Full Service Brick and Mortar
13365094Schuylkill Haven Branch237 Route 61 South, Schuylkill Haven, PA 17972July 09, 2001Full Service Brick and Mortar
15365145Birdsboro Branch350 West Main St., Birdsboro, PA 19508December 17, 2001Full Service Brick and Mortar
16365146Exeter Branch4361 Perkiomen Ave, Reading, PA 19606May 20, 2002Full Service Brick and Mortar
17365147Administration Center BranchPo Box 6219, 1240 Broadcasting Road, Wyomissing, PA 19610June 11, 2001Limited Service Administrative
18419115Sinking Spring Branch4708 Penn Avenue, Sinking Spring, PA 19608May 12, 2003Full Service Brick and Mortar
19426580North Pointe Branch241 South Centre Avenue, Leesport, PA 19533January 08, 2001Full Service Brick and Mortar
2040352Blue Bell Branch1767 Sentry Park West, Blue Bell, PA 19422August 16, 1989Full Service Brick and Mortar
21262285Conshohocken BranchPlymouth Corp Ctr. 625 Ridge Pk Suite 600, Conshohocken, PA 19428September 16, 1991Full Service Brick and Mortar
22262286Centre Square Branch1380 Skippack Pike, Blue Bell, PA 19422October 10, 1995Full Service Brick and Mortar
23262287Strafford Branch600 West Lancaster Avenue, Strafford, PA 19087August 05, 1996Full Service Brick and Mortar
25262289Fox Chase Branch8000 Verree Road, Philadelphia, PA 19111June 01, 1998Full Service Brick and Mortar
29419588Oaks Branch1232 Egypt Road Po Box 859, Oaks, PA 19456August 12, 2002Full Service Brick and Mortar
30479120Operations Center Branch1044 Mcarthur Road, Reading, PA 19605July 05, 2003Full Service Cyber
32493350Heritage Hills Branch200 Tranquility Lane, Reading, PA 19607March 17, 2009Full Service Brick and Mortar
3374653Allegiance Bank Of North America BanOne Belmont Avenue, Bala Cynwyd, PA 19004July 06, 1999Full Service Brick and Mortar
34441446Old City Branch36 N 3rd Street, Philadelphia, PA 19106April 21, 2005Full Service Brick and Mortar
37462247Berwyn Branch564 Lancaster Avenue, Berwyn, PA 19312December 18, 2006Full Service Retail
38521487Worcester Branch2946 Skippack Pike, Worcester, PA 19490November 19, 2010Full Service Brick and Mortar
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