VIST Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Founded in 1909, VIST Bank, a Tompkins Community bank, is a full-service, locally-managed community bank with 20 branches serving the Berks, Montgomery, Philadelphia and Schuylkill Counties of Pennsylvania.

VIST Bank is dedicated to enhancing the vitality of our community through the support of numerous local economic, arts, education, and health-related organizations. Tompkins Financial Corporation, a $4.9 billion in assets holding company.

Through affiliation with Tompkins Financial, VIST Bank is able to offer clients the best in banking services, increased lending capabilities, innovative services like Remote Deposit for business – plus, other high-quality financial services, such as insurance, investment management and financial planning - delivered with the professional expertise and personal service for which all Tompkins Financial companies are known.