VIST Bank in Wyomissing, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • VIST Bank in Wyomissing, Pennsylvania (PA)
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VIST Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 200Total employees (full-time equivalent)
  • $1,414,606Total assets
  • $22,638Cash and due from depository institutions
  • $6,342Interest-bearing balances
  • $375,727Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $948,499Net loans & leases
  • $14,049Loan loss allowance
  • $0Trading account assets
  • $4,872Bank premises and fixed assets
  • $4,320Other real estate owned
  • $6,416Goodwill and other intangibles
  • $1,414,606Life insurance assets
  • $52,134All other assets
  • $1,301,768Total liabilities and capital
  • $1,193,327Total liabilities
  • $1,121,831Total deposits
  • $1,193,327Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 103362.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,079Subordinated debt
  • $112,838All other liabilities
  • $112,838Total equity capital
  • $112,838Total bank equity capital
  • $0Perpetual preferred stock
  • $4,300Common stock
  • $80,761Surplus
  • $27,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,365Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $42,374Income earned, not collected on loans
  • $1,507Earning assets
  • $5,297Long-term assets (5+ years)
  • $1,330,568Average Assets, year-to-date
  • $662,595Average Assets, quarterly
  • $1,423,862Volatile liabilities
  • $1,440,541Insider loans
  • $956,365FHLB advances
  • $1,455,096Loans and leases held for sale
  • $19,830Unused loan commitments
  • $2,343Tier 1 (core) risk-based capital
  • $104,366Tier 2 risk-based capital
  • $17,487Total risk weighted assets
  • $0Total unused commitments
  • $208,704Restructured Loans and leases
  • $8,853Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $67,841Total interest income
  • $19,919Total interest expense
  • $47,922Net interest income
  • $9,035Provision for loan and lease losses
  • $3,685Total noninterest income
  • $0Fiduciary activities
  • $1,636Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,049Additional noninterest income
  • $57,751Total noninterest expense
  • $11,936Salaries and employee benefits
  • $5,892Premises and equipment expense
  • $39,923Additional noninterest expense
  • -$15,179Pre-tax net operating income
  • $76Securities gains (losses)
  • $680Applicable income taxes
  • -$15,783Income before extraordinary items
  • $0Extraordinary gains - net
  • -$15,783Net income attributable to bank
  • $0Net charge-offs
  • -$15,783Cash dividends
  • $9,776Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 4.35%Noninterest expense to earning assets
  • -1.11%Net operating income to assets
  • -1.11%Return on assets (ROA)
  • -1.06%Pretax return on assets
  • -13.10%Return on equity (ROE)
  • -13.10%Retained earnings to average equity (YTD only)
  • 0.99%Net charge-offs to loans
  • 92.42%Credit loss provision to net charge-offs
  • -0.63%Efficiency ratio
  • 68,167Assets per employee
  • 7.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 33.15%Noncurrent assets plus other real estate owned to assets
  • 3.48%Noncurrent loans to loans
  • 4.40%Net loans and leases to deposits
  • 79.48%Net loans and leases to core deposits
  • 87.49%Equity capital to assets
  • 7.98%Core capital (leverage) ratio
  • 7.17%Tier 1 risk-based capital ratio
  • 10.91%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,423,862Average earning assets
  • $120,466Average equity
  • $1,327,211Average loans

List of branches

  • 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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