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West Suburban Bank of Darien, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$16,554,0002,043
Total interest expense$7,447,0002,110
Net interest income$9,107,0001,978
Provision for loan and lease losses$356,0002,292
Total noninterest income$1,197,0002,688
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$726,0001,868
Trading account gains and fees$0262
Additional Noninterest Income$471,0003,052
Total noninterest expense$4,774,0002,861
Salaries and employee benefits$1,432,0004,504
Premises and equipment expense$450,0004,111
Additional noninterest expense$2,892,0001,797
Pre-tax net operating income$5,174,0001,399
Securities gains (losses)$191,000718
Applicable income taxes$1,842,0001,328
Income before extraordinary items$3,523,0001,406
Extraordinary gains, net$053
Net income$3,523,0001,408
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$64,0004,811
Cash dividends$1,684,0001,455
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,396,9401,413
1995-12-31 (YTD Data)Rank
Total interest income$16,168,0002,079
Total interest expense$7,669,0002,042
Net interest income$8,499,0002,117
Provision for loan and lease losses$400,0001,857
Total noninterest income$1,097,0002,898
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$662,0002,049
Trading account gains and fees$0522
Additional Noninterest Income$435,0003,153
Total noninterest expense$4,718,0002,858
Salaries and employee benefits$1,433,0004,455
Premises and equipment expense$476,0003,912
Additional noninterest expense$2,809,0001,792
Pre-tax net operating income$4,478,0001,644
Securities gains (losses)$-58,00011,256
Applicable income taxes$1,530,0001,626
Income before extraordinary items$2,890,0001,748
Extraordinary gains, net$065
Net income$2,890,0001,747
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$289,0001,984
Cash dividends$1,599,0001,445
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,927,7001,700
1994-12-31 (YTD Data)Rank
Total interest income$13,370,0002,285
Total interest expense$5,771,0002,167
Net interest income$7,599,0002,374
Provision for loan and lease losses$504,0001,526
Total noninterest income$1,410,0002,419
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$655,0002,066
Trading account gains and fees$0475
Additional Noninterest Income$755,0002,214
Total noninterest expense$4,262,0003,222
Salaries and employee benefits$1,541,0004,188
Premises and equipment expense$429,0004,328
Additional noninterest expense$2,292,0002,297
Pre-tax net operating income$4,243,0001,690
Securities gains (losses)$92,000806
Applicable income taxes$1,515,0001,545
Income before extraordinary items$2,820,0001,745
Extraordinary gains, net$0249
Net income$2,820,0001,744
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0007,826
Cash dividends$1,426,0001,462
Sale, conversion, retirement of capital stock, net$40,000929
Net operating income$2,760,2001,774
1993-12-31 (YTD Data)Rank
Total interest income$12,565,0002,451
Total interest expense$5,391,0002,400
Net interest income$7,174,0002,503
Provision for loan and lease losses$1,186,0001,165
Total noninterest income$1,212,0002,884
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$646,0002,123
Trading account gains and fees$0532
Additional Noninterest Income$566,0002,997
Total noninterest expense$4,204,0003,329
Salaries and employee benefits$1,576,0004,089
Premises and equipment expense$447,0004,290
Additional noninterest expense$2,181,0002,536
Pre-tax net operating income$2,996,0002,294
Securities gains (losses)$26,0004,293
Applicable income taxes$1,071,0002,111
Income before extraordinary items$1,951,0002,587
Extraordinary gains, net$118,0001,435
Net income$2,069,0002,508
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,729,000790
Cash dividends$1,872,0001,091
Sale, conversion, retirement of capital stock, net$960,000486
Net operating income$1,934,1002,448
1992-12-31 (YTD Data)Rank
Total interest income$13,221,0002,667
Total interest expense$6,378,0002,640
Net interest income$6,843,0002,653
Provision for loan and lease losses$580,0002,690
Total noninterest income$1,145,0002,970
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$642,0002,119
Trading account gains and fees$0504
Additional Noninterest Income$503,0003,168
Total noninterest expense$3,713,0003,728
Salaries and employee benefits$1,625,0003,937
Premises and equipment expense$434,0004,484
Additional noninterest expense$1,654,0003,302
Pre-tax net operating income$3,695,0001,674
Securities gains (losses)$-62,00013,708
Applicable income taxes$1,202,0001,756
Income before extraordinary items$2,431,0001,875
Extraordinary gains, net$01,422
Net income$2,431,0001,902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$110,0005,670
Cash dividends$2,612,000670
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,472,5401,694

* 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.