Vista Bancorp - VBNJ- Profile

Vista Bancorp, Inc.. The Group's principal activities are to provide a full range of retail and commercial banking services through 10 branch offices located in New Jersey Counties. The Group operates through its two wholly-owned subsidiaries, The Phillipsburg National Bank and Trust Company and Twin Rivers Community Bank, which were combined together into one bank, with a new name Vista Bank National Association. The operations are carried in Western New Jersey and Eastern Pennsylvania. The Group's lending activities includes commercial, consumer and real estate loans to local borrowers and funded principally by deposits gathered through its retail branch office network. The Group provides 24-hour telephone banking system. Interest and fees on loans accounted for 66% of 2001 revenues; other interest income, 24% and non-interest income, 10%. Provides retail & commercial banking services to consumers & small to medium size business in New Jersey & Eastern Pennsylvania