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West Suburban Bank of Carol Stream/Stratford Square, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$14,216,0002,348
Total interest expense$5,765,0002,639
Net interest income$8,451,0002,119
Provision for loan and lease losses$153,0004,019
Total noninterest income$1,535,0002,264
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,011,0001,327
Trading account gains and fees$0262
Additional Noninterest Income$524,0002,827
Total noninterest expense$5,613,0002,448
Salaries and employee benefits$2,275,0002,937
Premises and equipment expense$665,0002,929
Additional noninterest expense$2,673,0001,910
Pre-tax net operating income$4,220,0001,703
Securities gains (losses)$56,0001,263
Applicable income taxes$1,434,0001,673
Income before extraordinary items$2,842,0001,742
Extraordinary gains, net$053
Net income$2,842,0001,743
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$81,0004,343
Cash dividends$1,465,0001,615
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,805,0401,729
1995-12-31 (YTD Data)Rank
Total interest income$13,171,0002,540
Total interest expense$5,633,0002,726
Net interest income$7,538,0002,379
Provision for loan and lease losses$250,0002,552
Total noninterest income$1,446,0002,344
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,009,0001,338
Trading account gains and fees$0522
Additional Noninterest Income$437,0003,141
Total noninterest expense$5,295,0002,562
Salaries and employee benefits$2,199,0003,028
Premises and equipment expense$642,0003,041
Additional noninterest expense$2,454,0002,030
Pre-tax net operating income$3,439,0002,133
Securities gains (losses)$3,0003,092
Applicable income taxes$1,173,0002,067
Income before extraordinary items$2,269,0002,220
Extraordinary gains, net$065
Net income$2,269,0002,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$181,0002,655
Cash dividends$1,225,0001,743
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,267,0202,198
1994-12-31 (YTD Data)Rank
Total interest income$10,442,0002,911
Total interest expense$3,793,0003,226
Net interest income$6,649,0002,725
Provision for loan and lease losses$300,0002,237
Total noninterest income$1,440,0002,373
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$986,0001,359
Trading account gains and fees$0475
Additional Noninterest Income$454,0003,149
Total noninterest expense$4,727,0002,920
Salaries and employee benefits$2,181,0003,034
Premises and equipment expense$606,0003,241
Additional noninterest expense$1,940,0002,643
Pre-tax net operating income$3,062,0002,320
Securities gains (losses)$34,0001,394
Applicable income taxes$1,105,0002,039
Income before extraordinary items$1,991,0002,446
Extraordinary gains, net$0249
Net income$1,991,0002,446
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$288,0001,959
Cash dividends$1,051,0001,811
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,969,2402,485
1993-12-31 (YTD Data)Rank
Total interest income$9,686,0003,191
Total interest expense$3,388,0003,703
Net interest income$6,298,0002,886
Provision for loan and lease losses$815,0001,497
Total noninterest income$1,526,0002,421
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$987,0001,365
Trading account gains and fees$0532
Additional Noninterest Income$539,0003,102
Total noninterest expense$4,589,0003,061
Salaries and employee benefits$2,198,0002,984
Premises and equipment expense$616,0003,243
Additional noninterest expense$1,775,0003,018
Pre-tax net operating income$2,420,0002,788
Securities gains (losses)$-10,00012,776
Applicable income taxes$923,0002,458
Income before extraordinary items$1,487,0003,278
Extraordinary gains, net$51,0002,158
Net income$1,538,0003,260
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$828,0001,295
Cash dividends$5,981,000417
Sale, conversion, retirement of capital stock, net$4,250,000225
Net operating income$1,493,4003,090
1992-12-31 (YTD Data)Rank
Total interest income$10,352,0003,377
Total interest expense$4,250,0003,853
Net interest income$6,102,0002,999
Provision for loan and lease losses$725,0002,306
Total noninterest income$1,470,0002,426
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$984,0001,356
Trading account gains and fees$0504
Additional Noninterest Income$486,0003,254
Total noninterest expense$4,487,0003,168
Salaries and employee benefits$2,225,0002,908
Premises and equipment expense$606,0003,325
Additional noninterest expense$1,656,0003,297
Pre-tax net operating income$2,360,0002,643
Securities gains (losses)$-47,00013,665
Applicable income taxes$832,0002,503
Income before extraordinary items$1,481,0003,112
Extraordinary gains, net$01,422
Net income$1,481,0003,145
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$557,0002,294
Cash dividends$1,040,0001,496
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,511,0802,828

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.