rRV-6 ro - Federal Reserve Bank of Chicago/media/others/banking/financial... · Profile and Business Review West Suburban Bancorp, Inc. ("West Suburban") is the parent bank holding

ro COPY Board of Governors of the Federal Reserve System

rRV-6 OMB Number 7100-ltgt2Q7 Approval expore1 December 31 2015 Pago 1012

Annual Report of Holding Companies-FR Y-6

Report at the close of business as of the end of fiscal year

This Report is required by law Section 5(c)(1 )(A) of the Bank Holding Company Act (12 USC sect 1844 (c)(1 )(A)) Section 8(a) of the International Banking Act (12 USC sect 3106(a)) Sections 11(a)(1) 25 and 25A of the Feltleral Reserve Act (12 USC sectsect 248(a)(1 602 and 611a) Section 211 13(c) of Regulation K (12 CFR sect 211 13(c)) and Section 2255(b) of Regulation Y (12 CFR sect 2255(b)) and section 10(c)(2)(H) of the Home Owners Loan Act Return to the appropriate Federal Reserve Bank the original and the number of copies specified

NOTEmiddot The Annual Reporl of Holding Companies must be signed by one director of the top-tier holding company This individual should also be a senior official of the top-tier holding company In the event that the top-tier holding company does not have an individual who is a senior official and is also a director the chairshyman of the board must sign the report

I DUANE G DEBS

Name of the Holding Company Director and Official

PRESIDENT

11tle of the Holding Company Director and Ofliclal

attest that the Annual Report of Holding Companies (including the supporting attachments) for this report date has been preshypared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief

With respect to Information regarding individuals contained in this report the Reporter certrfies that ii has the authority to provide this information to tfle Federal Reserve The Reporter also cerlifies that 1t has the aulhorlty on behalf of each individual to consent or object to public release of information regarding hat individual The Federal Reserve may assume in the absence of a request for confidential treatment submftted in accordance with the Boards bullRules Regarding Availability of Informationbull 12 CFR Pait 261 thal the Reporler anfi individual consent to public release of all details In the report concerning that Individual

Jgt (lt )2 4_ ____ _

SlgnalurlI of Holdlng ComJ)ltlny Director and Official

Oatofttnlo For holding companies m21 registered with lhe SEC-Indicate status of Annual Report to Shareholders 0 ls included with the FR Y-6 report 181 will be sent under separate cover

0 is nol p repared

For Federal Reserve Bank Use Only

RSSDID PiJU CI

This report form Is to be flied by all top-tier bank holding compashynies and top-tier savings and loan holding companies organized under US law and by any foreign banking organization that does not meet the requirements or and is not treated as a qualifyshying foreign banking organization under Section 21123 of Regulation K (12 CFR sect 21123) (See page one of the general Instructions for more detail of who must file ) The Federal Reserve may not conduct or sponsor and an organization (or a person) is not required to respond to an information collection unless it displays a currently valid OMB control number

Dato of Report (top-tier holding companys fiscal year-end)

December 31 2014 Month I Day I Year

Repor1ers Legal Entity ldontifior (LEI) (20-Character LEI Code)

Reporters Name Street and Mailing Address WEST SUBURBAN BANCORP INC

Legal TitJe of Holding Company

711 SOUTH MEYERS ROAD

(Malling Address of the Holding Company) Street IP O BOll LOMBARD IL 60148 -------Ci1y State Zip Codo

Physical Location If different from mai ling address)

Person to whom questions about this report should be directed DUANE G DEBS PRESIDENT

--Name TiUe

630 652-2801 Vea Code I Phone Number I ExtelISlort

hea Code I FAX Numller d debswestsu burbanba_n_k_c_D_m ___ ______ _

E-mail Aodress wwwwestsuburbanbankcom Address (URL) for lhe Holding Companys web page

Does the reporter request confidontlal troatment for any portion of this submission

0 Yes Please identify lhe report items to which this request applies

O In accordance with the mslfuctions on pages GEN-2 and 3 a letter justifying the request is being provided

O The information for which conftdentlal treatment Is sought is being submitted separately labeled Confidential

Pubic reporting burden 10lt lh5 information collecIJon Is esmaled 10 vary from 1 3 lo 101 hours por response with an a11t1rago of 575 hours per response lndudng dma lo galher and mobullnlain dola In tho roqulrod torm and 10 review tnuucuons and complota the mformoon oolleC1 on Sond commcn1s mgonrng this burden osUmato or eny Olhor ospcc1 ol tllgtS conccUon ol Information lnclud ng suggestons for roduc111g thbullbull burden to Sccrc1aty Boord of Govomors of 1hO Federal Reserve System 20th and C Streets NW Washington OC 2055 f and IO lhe Of11co o1 Management and Budget Paperworllt Reoucuon ProJoct (7100-0297) Washington DC 20503

1012014

Profile and Business Review

West Suburban Bancorp Inc (West Suburban ) is the parent bank holding company of West Suburban Bank Lombard I l linois (the Bank and together with West Suburban the Company) The Company had total assets at December 31 2014 of approximately $21 billion and maintained 37 full-service branches seven l imited-service branches and four departments providing insurance financial and other services for the convenience of the customers of the Bank throughout DuPage Kane Kendall and Will Counties in Illinois The Bank is one of the largest independent banks headquartered in DuPage County Illinois and focuses on providing retail and commercial banking products and services in its market area The Company had 490 full-time equivalent employees at December 31 2014

West Suburban Bancorp Inc

Net incon1e Per share data

Earnings per share Book value

Net loans Total assets Total deposits

Financial Highlights

Years Ended December 31

(Dollars in thousands except per share data) 2014 2013

13729 $ 7503

3223 1758

44830 39886

1070 109 1028036

2109404 2041212

1902871 1854322

Table of Contents

Profile and Business Review 1 Special Note Concerning forward-Looking Statements I

Letter to Our Shareholders Customers and Friends 2

Financial Statements

Independent Auditors Report 3

Consolidated Financial Statements 4

Notes to Consolidated Financial Statements 9 Selected Financial Data 34

Average Balance Sheets Net Interest Income and Average Rates and Yields on a Tax Equivalent Basis 35

Boards of Directors and Officers 36

Addresses of West Suburban Facilities 39

Map of Facilities 41

Shareholder Information 42

Special Note Concerning Forward-Looking Statements

1his document and future oral and ivritten statements of the (ompany and its tnanagement may contain fonvardshylooking statements with respect to the financial condition results of operations plans objectives future performance and business of the Company Fonvard-looking statements which may be based upon beliejI expectations and assumptions of the Company s management and vn itformation currently available to management are generally identifiable by the use of wordy such as believe expect anticipate plan intend estimate may vi would could should or other similar expressions A number of factors many of which are beyond the ability of the Company to control or predict can cause actual results to differ materially from those in its fonvard-looking statements Additionally all statements in this document including

fiuward-looking statements speak only as of the date they are made and the (ompany undertakes no obligalion to update any statement in light of new information or fature events

To Our Shareholders Customers and Friends

The economic recovery in our 1narkets continues to move in the right direction As an example national unemployment rates have dropped significantly to 56dego as of December 31 2014 from 67oo as of December 31 2013 and in Illinois unemployment rates have decreased to 62dego as of December 31 2014 from 89oo as of December 31 2013

As the economy improves we continue to make significant progress within our organization Our non-performing assets have continued to decrease as other real estate owned decreased to $7 4 million as of December 31 20 I 4 from $205 mill ion as of December 31 2013 and nonaccrual loans decreased $27 million to $224 million as of December 31 2014 from $251 million as of December 31 2013 These reductions allowed us to increase our interest-earning assets while decreasing our expenses associated with problem loans and foreclosed properties

The improving economy has also resulted in the stabilization and improvement in appraisals that we obtain with regard to real estate that serves as collateral for many of our largest loans This has allowed us to record a recovery of provision for loan losses of $50 million based on our comprehensive methodology for estimating the allowance for loan losses The recovery of provision contributed to the significant increase in net income to $13 7 million tOr the year ended Decen1ber 31 2014 from $75 million for the year ended December 31 2013

Although v-re did not declare a dividend during 2014 during 2015 our board of directors will continue to evaluate the adequacy of our capital position and our non-pcrfonning asset levels and make responsible dividend decisions after appropriate consultation with our regulators Please be assured that it is our highest priority to protect your invcstn1cnt by continuing to evaluate refine and improve all areas of our business and to react appropriately to changes in the local and national econo1nic conditions as well as to changes in banking regulations

We would like to express our appreciation and sincere gratitude to everyone for the support that has allowed us to become and reinain one of the largest independent banks headquartered in DuPage County You have enabled us to exceed $2 billion in assets and expand to 37 branches within the four counties that we serve Ve could not have achieved our success without the support of our shareholders customers comn1unities friends and en1ployecs We are mindful that providing high quality responsive service distinguishes us from our competition and we will take great care to ensure that we do not sacrifice this important advantage We look forward to celebrating many new milestones in the years to come and as always we welcome your comments and suggestions

Thank you for your continued support

Sincerely

Kevin J Acker Chairman of the Board and Chief Executive Officer

Duane G Debs President and Chief Financial Officer

Crowe Horwath Crowe Horwath LLP independent Member Crowe Horwath lltiternat1onal

Independent Auditors Report

Board of Directors and Shareholders

West Suburban Bancorp Inc Lon1bard Illinois

Report on the Financial Statements

Ve have audited the accornpanying consolidated financial statements of Vest Suburban Bancorp Inc which comprise the consolidated balance sheets as of Dcccnihcr 31 2014 and 2013 and the related consolidated statcn1ents of income co1nprehensive incrnne changes in shareholders equity and cash flows for the years then ended and the related notes to the consolidated financial statements

llanagcmcnts Responsibility for the Financial Statements

Management is responsible for the preparation and fair presentation of these consolidated financial statements in accordance Vith mcounting principles generally accepted in the United States of America this includes the design implcn1cntation and maintenance of inten1al control relevant to the preparation and fair presentation of consolidated financial statcnients that arc free fro1n 1naterial n1isstatemcnt whether due to fraud or error

Auditors Responsibility

Our responsibility is to express an opinion on these consolidated financial statements based on our audits Ve conducted our audits in accordance vith auditing standards generally accepted in the United States or An1erica Those standards require that Ve plan and perfom1 the audit to obtain reasonable assurance about whether the consolidated financial statements arc free fro1n material misstatement

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements The procedures selected depend on the auditors judgment including the assess1nent of the risks of material 1nisstatemcnt of the consolidated financial statements vhcthcr due to fraud or error In nlaking those risk asscss1ncnts the auditor considers internal control relevant to the entitys preparation and fair presentation of the consolidated financial statcn1cnts in order to design audit procedures that are appropriate in the circumstances but not for expressing an opinion on the effectiveness of the entitys internal control Accordingly we express no such opinion An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates 1nade by rnanagcment as Veil as evaluating the overall presentation of the consolidated financial statements

Ve believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion

()rinion

In our opinion the consolidated financial statcinents referred to above present fairly in a material respects the financial position of West Suburban Bancorp Inc as of Dece1nber 3 I 2014 and 2013 and the results of its operations and its cash Jlovs

for the years then ended in accordance Vilh accounting principles generally accepted in the United States of America

Oak Brook Illinois March 20 2015

Crowe Horwath LLP

Assets

Cash and due fron1 banks Federal funds sold

WEST SUBURBAN BANCORP INC CONSOLIDATED BALANCE SHEETS

DECEMBER 31 2014 AND 2013 (Dollars in thousands)

Total cash and cash equivalents Securities

Available for sale (amortized cost of $602 7 I 5 in 20 I 4 and $643739 in 20 1 3 )

Held to maturity (fair value o f $2 15 1 98 i n 20 14 and $ 1 89283 in 20 13)

Federal I lame Loan Bank stock Total securities

Loans less allowance for loan losses of$25382 in 2014 and $30552 in 20 1 3

Bank-owned life insurance Pre1nises and equipment net Other real estate owned net A ccrued interest and other assets

83206 25206

1084 1 2

602744

208369 6076

8 1 7 1 89

1 070 1 09 34366 45574

7409 26345

Total assets $ 2 1 09404

Liabilities and shareholders equity

Deposits Dcmand-noninterest-bearing Interest-bearing

Total deposits Prepaid solutions cards Accrued interest and other liabilities

Total liabilities

Shareholders equity Con1mon stock no par value 1 5 000000 shares authorized

426040 shares issued and outstanding at December 3 1 20 I 4 and December 3 1 20 I 3

Surplus Retained earnings Accumulated other comprehensive loss

lotal shareholders equity

Total liabilities and shareholders equity

$ 203373 1 699498 1 90287 1

3 1 86 1 2355

1 9 1 84 1 2

3406 35224

1 52980 (6 1 8)

1 90992 $ 2 1 09404

)ee accompanying notes to consolidated financial statements

20 1 3

$ 54382 200

630603

1 8403 1 5 1 3 8

8 1 9772

1 028036 33823 466 1 5 20458 37926

$ 204 1 2 1 2

$ 1 74471 1 67985 1 1 854322

3456 1 3504

1 87 1 282

3406 35224

1 3925 1 (7 95 1 )

1 69930 $ 20412 1 2

WEST SUBURBAN BANCORP INC

CONSOLIDATED STATEMENTS OF INCOME

YEARS ENDED DECEMBER 3I 2014 AND 2013 (Dollars in thousands)

2014 2013 Interest income

Loans including fees $ 47583 $ 46396 Securities

Taxable 14481 12009 Exempt from federal income tax 2047 2318

Federal funds sold Total interest income 64112 60724

Interest expense

[)eposits 5868 7381 Other 11 l

Total interest expense 5879 7382 Net interest income 58233 53342 (Recovery of) provision for loan losses (4994) 4985 Net interest income after provision for loan losses 63227 48357

Nonintcrest income

Service fees on deposit accounts 3392 3677 Debit card fees 2597 2565 Bank-owned life insurance 543 560 Net realized gains on securities transactions 166 1176 Other 3049 3958

Total nonintcrest income 9747 11936

Noninterest expense

Salaries and employee benefits 24893 23940 Occupancy 6114 5247

Furniture and equipment 5295 5078 Other real estate owned expense 2945 4089

FDIC assessments 2780 2762

Loan administration 1 178 1727 Professional fees 1152 977 Advertising and promotion 1133 1005 Other 5721 5042

Total noninterest expense 5121 l 49867

Income before income taxes 21763 10426

Income tax expense 8034 2923 Net income $ 13729 $ 7503

5ee accompanying notes to consolidated financial statements

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

YEARS ENDED DECEMBER 31 2014 AND 2013 (Dollars in thousands)

Net Income

Other comprehensive income (loss) Unrealized gains on available for sale securities

Unrealized holding gains (losses) arising during the period

RLciassification adjustrncnts for gains included in net incu111e

Tax effect

Net of tax

Change in postretirement obligation

Net (loss) gain arising during the period

Reclassification adjuslnent for an1ortization of prior service cost

and net gains included in net periodic pension cost

Tax effect

Net of tax

Total other comprehensive income (loss) crotal con1prehensive income (loss)

$ 13729

( 166) (5422)

40 287

7333 $ 21062

See accompanying notes to consolidated financial statemenls

$ 7503

( 18207)

(1176)

(11401)

69 (94) 134

( 11267)

$ (3764)

WEST SUBURBAN BANCORP INC CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS EQUITY

YEARS ENDED DECEMBER 31 2014 AND 2013 (Dollars in thousands except per share data)

Accumulated Other

Com1non Com pre-Stock hensivc Total and Retained Income Shareholders

SurElus EarninBs (Loss) Eguit Balance January I 20 1 3 $ 38865 $ 1 32602 $ 33 1 6 $ 1 74783

Repurchase and retirement of 8 1 0 shares of co1nmon stock (235) (235)

Net income 7503 7503 Cash dividends paid - $200 per

share (854) (854) Total other comprehensive loss ( 1 1 267) ( 1 1 267) Balance December 3 1 20 I 3 38630 1 3925 1 (795 1 ) 169930

Net i ncome 1 3 729 1 3729 Total other comprehensive income 7333 7333 Balance December 31 2014 $ 38630 $ 1 52980 $ (6 1 8) $ 1 90992

See accompanying notes to consolidatedfinancial statements

CONSOLIDATED STATEMENTS OF CASH FLOWS

2014 2013 Cash flows from operating activities

Net income $ 13729 $ 7503 Adjustments to reconcile net inco1ne to net cash provided by

operating activities Depreciation 3543 3391 (Recovery of) provision for loan losses (4994) 4985 Net premium amortization of securities 6417 7550 Net realized gain on securities transactions ( 166) ( I 176) Earnings on bank-owned life insurance (543) (560) Net gain on sales of loans originated for sale (71) (248) Net loss on sales of other real estate owned 369 25 Write down of other real estate owned 2059 1641 Decrease in accrued interest and other assets 6445 747 (Decrease) increase in accrued interest and other liabilities ( 1845) 1177

Net cash provided by operating activities 24943 25035 Cash flows from investing activities

Securities available for sale Sales 83686 62189 Maturities cal Is and redemptions 127665 144759 Purchases ( 176703) (204770)

Securities held to maturity and FHLB stock Maturities calls and redemptions 34050 43893 Purchases (59201) (56773)

Net increase in loans (37888) (69711) Purchases of premises and equipment (2502) (5 114) Sales of other real estate owned 11501 13191

Net cash used in investing activities ( 19392) (72336) Cash flows from financing activities

Net increase in deposits 48549 30823 Repurchase and retirement of common stock (235) Net decrease in prepaid solutions cards (270) (4034) Dividends paid (854)

Net cash provided by financing activities 48279 25700 Net increase (decrease) in cash and cash equivalents 53830 (21601) Beginning cash and cash equivalents 54582 76 183 Ending cash and cash equivalents $ 108412 $ 54582

Supplemental disclosures

Cash paid for interest $ 6095 $ 8566

Cash paid for income taxes 3067 2443

Other real estate acquired through or instead of loan foreclosure 880 12917

Loans originated from the sale of other real estate owned 1658 359

See accompanying notes to consolidated financial statements

WEST SUBURBAN BANCORP INC NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Dollars in thousands)

Note I - Nature of Business and Summary of Significant Accounting Policies

Vest Suburban Bancorp Inc (West Suburban) through the branch network of its subsidiary West Suburban Bank (the Bank and together with West Suburban the Company) operates 37 full-service branches seven lin1itedshyscrvice branches and four departments providing insurance financial and other services for the convenience of the customers of the Bank throughout DuPage Kane Kendall and Will Counties in Illinois Customers in these areas are the primary consumers of the Companys loan and deposit products and services Although borrower cash flov is expected to be the primary source of repayment the Companys loans arc generally secured by various forms of collateral or security including real estate business assets consumer goods personal guarantees and other iten1s

Principles of Consolidation The consolidated financial statements include the accounts of West Suburban and the Bank Significant intercompany accounts and transactions have been eliminated

Subsequent Events The Company has evaluated subsequent events tOr recognition and disclosure through March 20 2015 which is the date the financial statements were available to be issued

Use of ltttimates To prepare financial statements in conformity with accounting principles generally accepted in the United States of America management makes estin1ates and assun1ptions which are subject to change based on available information These estimates and assumptions affect the an1ounts reported in the financial statements and the disclosures provided and actual results could differ

bull 5ecurities Debt securities are classified into two categories available for sale and held to maturity Available for sale securities are carried at fair value with net unrealized gains and losses (net of deferred tax) reported in accumulated other comprehensive income as a separate component of shareholders equity Held to maturity securities are carried at amortized cost as the Company has both the ability and positive intent to hold them to maturity Interest income includes amortization of purchase premium or discount Premiums and discounts on securities are amortized on the level-yield 1nelhod without anticipating prepayments except for mortgage-backed securities where prepayments are anticipated Gains and losses on sales are recorded on the trade date and determined using the specific identification method The Company does not engage in trading activities

Management evaluates securities for other-than-temporary impairment (OJTI) on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation For securities in an unrealized loss position management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer Management also assesses whether it intends to sell or it is more likely than not that it will be required to sell a security in an unrealized loss position before recovery of its amortized cost basis If either of the criteria regarding intent or requirement to sell is met the entire difference between amortized cost and fair value is recognized as impairment through earnings For debt securities that do not meet the aforementioned criteria the amount of impairment is split into two cotnponents as follows ( I ) OTTI related to credit loss which must be recognized in the income statement and (2) OTT related to other factors which is recognized in other comprehensive income The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis

Federal Home Loan Bank (FHLB) Stock The B ank is a member of the Ff-ILB system Members are required to own a certain amount of stock based on the level of borrowings and other factors and may invest in additional amounts Fl-ILB stock is carried at cost classified as a restricted security and periodically evaluated for impainnent based on ultimate recovery of par value Both cash and stock dividends are reported as income

Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding net of unearned interest deferred loan fees and costs and an allowance for loan losses Interest income is accrued on the unpaid balance of the Companys loans and includes amortization of net deferred loan fees and costs over the loan tenn Loan origination fees net of certain direct origination costs are deferred and recognized in interest income using the level-yield method without anticipating prepayments

Accrual of interest is generally discontinued on loans 90 days past due or on an earlier date if management believes after considering economic and business conditions and collection efforts that the borrowers financial condition is such that collection of principal or interest is doubtful In some circu1nstances a loan more than 90 days past due may continue to accrue interest if it is fully secured and in the process or collection When a loan is classified as nonaccrual interest previously accrued but not collected is charged back to interest inco1ne Vhen payments are received on nonaccrual loans they are first applied to principal then to interest income and finally to expenses incurred for collection

Allowanceor Loan Losses The allowance ror loan losses is a valuation allowance for probable incurred credit losses in the loan portfolio fhe allowance is increased by a provision for loan losses charged to earnings_ Loan losses are charged against the allowance when management believes the uncollectability of a loan has been established Subsequent recoveries if any are credited to the allowance The allowance consists of specific and general con1ponents The specific component relates to specific loans that are individually classified as impaired The allowance for loan losses is evaluated 1nonthly based on 1nanagen1ents periodic review of loan collectability in light of historical loan loss experience the nature and volume of the loan portfolio inrormation about specific borrower situations and estimated collateral values and prevailing economic conditions Although allocations or the allowance may be made fOr specific loans the entire allowance is available for any loan that in manage1ncnts judgment should be chargedshyoff Manage1nents evaluation of loan collectability is inherently subjective as it requires estimates that arc subject to significant revision as more infOrmation becomes available or as relevant circu1nstances change

The Co1npany evaluates commercial commercial real estate construction and development and residential real estate (mortgage and home equity) loans monthly for impairment A loan is considered impaired when based on current infOrmation and events ruI payn1ent under the loan lerms is not expected Loans for which the tem1s have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings (TDRs) and classified as impaired Impairn1ent is nieasurcd based on the present value of expected future cash flows discounted at the loans effective interest rate or the poundlir value of the loans collateral if repayment of the loan is collateral dependent A valuation allowance is maintained for the amount of impairment Generally loans 90 days or more past due and loans classified as nonaccrual status are considered for impairment Impairment is considered on an entire category basis fOr smaller-balance loans of si1nilar nature such as residential real estate and consumer loans and on an individual basis for other loans Jn general consumer and credit card loans are charged-off no later than 120 days after a consumer or credit card loan becomes past due

The general component covers pools of other loans not classified as impaired and is based on historical loss experience adjusted for current factors The historical loss experience is determined by portfolio segment and is based on a rolling three year net charge-off history This actual loss experience is supple1nented with other economic factors based on the risks present for each portfolio segment These factors include consideration of the following levels and trends in past dues trends in charge-offs and recoveries trends in volume and teffils of loans effects of collateral deterioration other changes in lending policies procedures and practices experience ability and depth of lending management and other relevant staff national and local economic trends trends in i1npaired loans including impaired loans without specific allowance for loan losses and a factor representing the potential charge-off of specific reserves The following portfolio segments have been identified commercial commercial real estate construction and development residential real estate (mortgage and home equity) and consumer loans

Commercial loans are made based primarily on the identified cash flow of the borrower and secondarily on the underlying collateral provided by the borrower Most often this collateral is accounts receivable inventory equipment or real estate Repayment is prin1arily dependent upon the borrowers ability to service the debt based upon the cash flows generated from the underlying business Secondary support involves liquidation of the pledged collateral and enforcement of a personal guarantee if a guarantee is obtained

Commercial real estate lending typically involves higher loan principal a1nounts and the repayment of the loans generally is dependent in large part on sufficient income from the properties securing the loans to cover operating expenses and debt service Economic events or governmental regulations outside of the control of the borrower or the Company may negatively impact the future cash flow and market values of the affected properties

Construction and development lending involves additional risks because funds are advanced based upon values associated with the completed project which are uncertain Because of the uncertainties inherent in evaluating the construction cost estimates that the Company receives from its customers and other third parties as well as the market value of the completed project and the effects of governmental regulation of real property it is relatively difficult to evaluate accurately the total funds required to complete a project and the related loan-to-value ratio As a result construction and development loans often involve the disbursement of substantial funds with repayment dependent i n part on the success of the ultimate project and the ability of the borrower to sell or lease the property rather than the ability of the borrower or guarantor to repay principal and interest

Residential real estate (mortgage and home equity) lending consists primarily of loans secured by first or second mortgages on primary residences The loans are collateralized by owner-occupied properties located in the Companys market area Mortgage title insurance is normally required on first nlortgages and second mortgages $ I 00000 and greater Hazard insurance is normally required on first and second mortgages

The Companys consumer loans are primarily made up of credit card lines and installment loans Credit card lines present inherent risk due to the unsecured nature of the product The installment loans represent a relatively small portion of the Companys loan portfolio and are primarily secured by automobiles

Bank-Owned Lift Insurance (BOLlJ The Company has purchased life insurance policies on certain officers and directors BOLI is recorded at the a1nount that can be realized under the insurance contract at the balance sheet date which is the cash surrender value adjusted for other charges or other a1nounts due that are probable at settlement

Premises and tquipmenl Land is carried at cost Premises and equipment are stated at cost less accumulated depreciation Depreciation i s generally computed o n the straight-line method over the estimated useful lives o f the assets Leasehold iinprovements are amortized over the shorter of the useful life or lease term

Other Real Estate Owned Other real estate owned includes properties acquired in partial or total settlement of problen1 loans Assets acquired through or instead of loan foreclosure are initially recorded at fai r value less anticipated costs to sell when acquired establishing a new basis If fair value declines subsequent to acquisition a valuation allowance is recorded through expense Operating costs after acquisition are expensed as incurred

Loan Commitments and Related Financial Instruments Financial instruments include off-balance sheet credit instruments such as commitments to nlake loans and commercial letters of credit issued to meet customer financing needs The face amount for these items represents the exposure to loss before considering custon1er collateral or ability to repay Such financial instruments are recorded when they are issued

Income Taxes Income tax expense is the total of the current year income tax due or refundable and the change i n deferred tax assets and l iabilities Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and the tax basis of assets and liabilities computed using enacted tax rates A valuation allowance if needed reduces deferred tax assets to the amount expected to be realized

A tax position is recognized as a benefit only if it is more likely than not that the tax position would be sustained in a tax examination with a tax examination being presumed to occur The amount recognized is the largest amount of tax benefit that has a greater than 50oo likelihood of being realized on examination For tax positions not meeting the tnore likely than not test no tax benefit is recorded

The Company recognizes interest andor penalties related to inco1ne tax matters in income tax expense

40(k) Profit Sharing Plan ESOP and Other Retirement Plans

The Bank maintains the West Suburban Bank 401 (k) Profit Sharing Plan to assist the Company in recruiting and retaining its personnel Participation in the plan is subject to certain age and service requirements Although the Company currently intends to match a percentage of the contributions that each employee voluntarily makes to the plan all contributions by the Company are discretionary and subject to review by the Board of Directors from time to time The plan is also intended to enable long time employees of the Company that also participate in the ESOP to diversify their retirement savings

The Bank also maintains an ESOP which is a noncontributory tax qualified retire1nent plan that covers employees who have satisfied specific service requirements Subject to review by the Board of Directors the Bank may nlake contributions to the ES()P for the benefit of the participants from time to time l)ividends declared on common stock owned by the ESOP are charged against retained earnings Dividends paid on ESOP shares are passed through to participants who have the option to receive cash or reinvest in the plan Earned and allocated ESOP shares are voted by the respective participants

The Company has a postretirement healthcare plan covering certain executives Postretircment benefit costs arc net of service and interest costs and amortization of gains and losses not immediately recognized

The Con1pany has deferred compensation arrangements with certain former and current executive officers and directors Deferred compensation expense allocates the benefits over years of service

Cash Hows

For purposes of reporting cash flows cash and cash equivalents include cash and due from banks and federal funds sold Generally federal funds are sold for one-day periods Net cash flows are reported for customer loan deposit federal funds purchased and prepaid solutions card transactions

Comprehensive Income Comprehensive income includes net income and other comprehensive income Other comprehensive income includes unrealized gains and losses on available for sale securities and changes in postretirement obligations net of reclassification adjustments and deferred tax effects

A summary of the accumulated other comprehensive loss balances net of tax were as follows

Unrealized gains (losses) on securities available for sale Unrealized loss on postretircmcnt obligation

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Loss contingencies including clai1ns and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated Management does not believe there now are such matters that will have a material effect on the financial statements

Restrictions on Cash Cash on hand or on deposit with the Federal Reserve Bank of $ 1 8 1 39 and $ 1 5290 was required to meet regulatory reserve and clearing requirements at year-end 2014 and 20 1 3 respectively

Dividend Restrictions Banking regulations require maintaining certain capital levels and may li1nit the dividends paid by the Bank to West Suburban or by West Suburban to shareholders (See Note 1 2 in the Consolidated Financial Statements for more specific disclosure)

Fair Value of Financial Instruments Fair value of financial instruments are estimated using relevant market information and other assumptions (Sec Note I 0 in the Consolidated Financial Statements for more specific disclosure) Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates credit risk prepayments and other factors especially i n the absence of broad markets for particular items Changes in assumptions or in market conditions could significantly affect the estimates

Reclassifications Certain reclassifications have been made in prior years financial staten1ents to conforn1 to the current years presentation

Note 2 - Securities

The amortized cost unrealized gains and losses and fai r value of securities available for sale arc as follows at Dece1nber 3 1

US government sponsored enterprises Mortgage-backed residential States and political subdivisions Corporate

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

Mortgage-backed residential securities consist of residential mortgage-backed securities issued by US government sponsored enterprises and agencies pri1narily Fannie Mae Freddie Mac and Ginnie Mae institutions which the govcrntnent has affirmed its commitment to support Corporate securities consist of investinent grade corporate bonds

The amortized cost unrecognized gains and losses and fair value of securities held to maturity are as follows at December 3 1

2014 Gross Gross

Amortized Unrecognized Unrecognized Fair Cost Gains Losses Value

US Treasuries $ 30039 $ 1 517 $ $ 3 1 556 lJ S government sponsored enterprises 20005 1 08 201 1 3 t1ortgage-backed residential 1 47 167 4679 1 5 1 846 States and political subdivisions 1 1 1 5 8 525 1 1 683

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

US Treasuries $ 30027 $ 1 677 $ $ 3 1 704 US government sponsored enterprises 1 5056 432 1 5488 Mortgage-backed residential 1 27065 34 1 8 (553) 1 29930 States and political subdivisions 1 1 883 384 ( I 06) 1 2 1 6 1

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

The amortized cost and fair value of debt securities available for sale and held to nlaturity at Decen1ber 3 1 20 1 4 are shown by contractual maturity Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties Approximately $33970 of securities are callable in 2015 Securities not due at a single nlaturity date are shown separately

Available for Sale Held to Maturity Amortized Amortized

Due in I year or less $ Due after 1 year through 5 years Due after 5 years through I 0 years Due after 10 years Mortgage-backed residential

Total $

Sales of securities available for sale were as follows

Proceeds from sales Gross realized gains Gross realized losses

Cost Fair Value 8674 $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Securities with a carrying value of approximately $87741 and $88571 at December 3 1 20 1 4 and 20 1 3 respectively were pledged to secure public deposits fiduciary activities and for other purposes required or permitted by law

At December 3 1 2014 and 20 1 3 the Company did not hold any securities of any single issuer in excess of I Ooo of the Companys shareholders equity except from US government sponsored enterprises

Securities with unrealized losses at year-end 20 1 4 and 20 1 3 not recognized in income are presented below by the length of time the securities have been in a continuous unrealized loss position

Less than 1 2 Months 1 2 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized

Value Loss Value Loss Value Loss US governn1ent sponsored

enterprises $ 9824 $ (84) $ 32601 $ (377) $ 42425 $ ( 46 1 ) Mortgage-backed residential 24735 ( I 1 5 ) 1 73808 (4077) 1 98543 (4 1 92) States and political subdivisions 9458 (32) 1 0454 ( 1 33) 199 1 2 ( 1 65 )

Total temporarily impaired $ 440 1 7 $ (23 1 ) $ 2 1 6863 $ (4587) $ 260880 $ (48 1 8)

20 1 3 Less than 1 2 Months 1 2 Months or More Total

Fair Unrealized Fair Unrealized Fair Unrealized Value Loss Value Loss Value Loss

US governn1enl sponsored enterprises $ 5 1 282 $ ( 1 690) $ 1 4564 $ (552) $ 65846 $ (2242)

Mortgage-backed residential 299264 ( I 0428) 46 1 4 1 (2 1 32) 345405 ( 1 2560) States and political subdivisions 80 1 68 (2045) 1 3 6 1 (2) 8 1 529 (2047)

Total temporarily impaired $ 4307 1 4 $ ( 1 4 1 63) $ 62066 $ (2686) $ 492780 $ ( 1 6849)

The unrealized losses at December 3 1 20 1 4 were in US govern1nent sponsored enterprise securities mortgageshybacked residential and states and political subdivisions Because the decline in fair value on the debt securities is attributable to changes in interest rates and illiquidity and not credit quality and because the Company does not have the intent to sell these securities and management believes it is not 1norc likely than not that the Co1npany will be required to sell the securities before their anticipated recovery the Company docs not consider these securities to be other-than-temporarily impaired at December 3 1 20 1 4

Note 3 - Loans

The Company makes commercial residential real estate and consumer loans primarily to customers throughout the western suburbs of Chicago From time to time the Company will make loans outside of its market area Major classifications of loans were as follows at December 3 1

2014 20 1 3 Con1mercial $ 391 005 $ 3390 1 9 Commercial real estate 359071 34 1 469 Construction and development 44140 55561 Residential real estate

i1ortgagc 1 23001 1 3 4349 Home equity 1 69534 1 78375

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Allowance for loan losses (25382) (30552) Loans net $ 1 070 1 09 $ 1 028036

Changes in the allowance for loan losses by portfolio segment were as follows

Commercial Construction Residential

Real and Real

Commercial Estate Development Estate Consumer Total December 31 2014 Halancc beginning of year $ 1 9468 $ 350 [ $ 1 948 $ 52B8 $ 347 $ 30552

(Recovery of) provision for

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Loans charged-off ( 1 28) (4 1 ) (467) (208) (844)

Rccovcncs 508 1 4 1 5 87 44 668 Balance end of year $ 1 6886 $ 3108 $ 6 8 1 $ 4385 $ 322 $ 25382

Decembtr 31 20 1 3

Ualancc beginning of year $ 1 8 1 6 1 $ 4610 $ 2927 $ 4975 $ 525 $ 3 1 198

Prov1s10n for (recovery of)

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Loans charged-off (5492) ( 1 80) ( 1 57) ( 1 490) (254) (7573) Recoveries 1 366 400 96 80 1 942

Ralanee end of year $ 1 9468 $ 3501 $ l 948 $ 5288 $ 347 $ 30552

The balance of the allowance for loan losses and the recorded invest1nent (which does not include accrued interest) in loans by portfolio segment and based on impairment method were as follows

Commcrcwl Construction Residential

Real and Real

Commercial Estate Development Estate Consumer Total December 31 2014 Allowance for loan losses

attnbutabk to loans

Individually evaluated for

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

Collectively evaluated

for impairment 1 1 1 54 2849 (8J 3143 322 1 8 149 Total ending allowance

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

Individually evaluated

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

Collect1vcy evaluated

for impairment 369544 341 296 4 1 7 1 7 279653 8740 l 040950 Total ending oan balance $ 391 005 $ 359071 $ 44140 $ 292535 $ 8740 $ 1 095491

December 3 1 20 1 3

Allowance for loan losses

attributable to loans

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

for impairment 9562 3 1 3 1 1 948 3723 347 187 l l Total ending allowance

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Collect1vely evaluated

for impairment 3 1 5577 323244 50859 298426 98 1 5 997 92 1 Total endmg loan balance $ 3390 1 9 $ 341 469 $ 55561 $ 3 1 2724 $ 9 81 5 $ 1 058588

Loans individually evaluated for impairment by class of loans were as follows

Unpaid Allovrance for Principal Recorded Loan Losses Balance Investment Allocated

Igtecember 3 1 2014 With no related allovance recorded

Comn1ercial $ 5 1 77 $ 7 1 3 $ Co1nmercial real estate 1 2690 1 2690 Residential real estate

Mortgage 3762 3735 Home equity 445 445

With an allowance recorded Commercial 20934 20748 5732 Commercial real estate 5085 5085 259 Construction and development 2929 2423 Residential real estate

Mortgage 7468 7468 1 074 I lame equity 1 234 1 234 1 68

Total $ 59724 $ 54541 $ 7233

December 3 1 20 1 3 With no related allovance recorded

Commercial $ 8726 $ 3003 $ Commercial real estate 1 3263 1 3083 Construction and development 665 1 4403 Residential real estate

With an allowance recorded Commercial 20630 20439 9906 Commercial real estate 5 1 42 5 1 42 370 Construction and developn1ent 806 299 Residential real estate

Mortgage 8 1 1 8 8088 1 240 Home equity 1 27 1 1 271 325

Total $ 69649 $ 60667 $ 1 1 841

A vcrage impaired loans by class were as follows at December 3 1

2014 20 1 3 Commercial $ 22954 $ 26253 commercial real estate 1 8058 19770 Construction and development 38 1 8 68 1 1 Residential real estate

Mortgage 1 2 1 46 1 28 1 9 Home equity 1 7 1 0 1 570

Total $ 58686 $ 67223

Interest income recognized during impairment was $ I 70 I and $2 1 28 for the years ended December 3 I 20 1 4 and 20 13 respectively

Nonperfonning loans and loans past due 90 days or more still on accrual include both smaller balance homogeneous loans that arc collectively evaluated for impainnent and individually classified impaired loans

The recorded invesunent in nonaccrual and loans past due 90 days or more still on accrual by class of loans was as follows

December 3 1 2014

Commercial Commercial real estate Construction and development Residential real estate

Mortgage Home equity

Consumer Total

December 3 1 20 13 Commercial Commercial real estate Construction and development Residential real estate

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

Loans Past Due 90 Days or More Still on Accrual

1 1 6 6

26 1 48

Loans past due 90 days or more still on accrual are generally considered to be well-collatcralized and in the process of collection as of December 3 1 2014

rhe aging of the recorded investment in past due loans were as follows

December 3 1 2014

30 - 59 Days

Past l)uc

Commercial $ 7 1 45 Con1mercial real estate 2265 Construction and

development Residential real estate

i11J1igagc I Ionic equity

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Commercial $ 43 1 Commercial real estate 2728 Construction and

development Residenlial real estate

Mortgage I tome equity

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

90 Days or More Past f)uc

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

During the year ended December 3 1 20 1 4 the terms of certain loans were 1nodified as TD Rs The modification of the terms of such loans included one or a combination of the following a reduction of the stated interest rate of the loan an extension of the maturity date al a stated rate of interest lower than the current market rate for new debt with si1nilar risk or a permanent reduction of the recorded investment in the loan

At f)ecember 3 1 20 1 4 the Company had $32593 of loans considered TD Rs which are considered impaired loans compared to $34499 as of December 3 1 20 1 3 As of December 3 1 20 1 4 and 20 1 3 the Company has specifically allocated allowance for loan losses of$2 104 on $ 1 5841 and $2263 on $ 1 6750 respectively of loans considered to be TD Rs The remaining TDRs did not have impaired cash flows or are considered to be collateral dependent and do not have specific allocations of the allowance due to partial charge-offs and the loans being vellshycollatcralized Management has not committed to lend additional amounts to customers with outstanding loans that are classified as TDRs

The following table presents loans by class modified as TD Rs during the years ended

Pre-Modification Post-Modification Outstanding Outstanding

Number of Recorded Recorded Loans Investment Investment

December 31 2014

Commercial 2 $ 558 $ 558 Commercial real estate 2 2504 2504 Residential real estate mortgage 2 3 1 3 4 1 4

Total 6 $ 3375 $ 3476

December 3 1 20 1 3 Commercial $ 1 99 $ 1 99 Commercial real estate 582 636 Residential real estate rnortgage 9 1 470 1 489

Total 1 1 $ 225 1 $ 2324

fhe loans modified as TDRs during the year increased the allowance for loan losses by $536 and $325 respectively for the years ended December 3 1 20 1 4 and 20 1 3 During 20 1 4 and 2013 modifications involving a reduction of the stated interest rate of the loan were for interest rates ranging from 30oo to 55oo and periods ranging from 1 2 months to 30 years Modifications involving an extension of the maturity date were for periods ranging from 1 2 to 22 months

The following table presents loans by class modified as TDRs for which there was a payment default following the nlodification during the years ended

Number of Recorded Loans Investment

December 3 1 2014

Commercial $ Commercial real estate

Total $

December 3 1 2013 Commercial $ 1 7 1 Commercial real estate 636

Total 2 $ 807

J loan is considered to be in payment default once it is 90 days past due under the modified contractual terms Loans less than $ 1 00 vill not be evaluated for impairment under TOR accounting guidance

The TDRs that subsequently defaulted described above increased the allowance for loan losses by $0 and $80 respectively for the years ended December 3 1 2 0 1 4 and 20 13 and did not result in any charge-offs

I n order to determine whether a borrower is experiencing financial difficulty an evaluation is performed of the probabil ity that the borrower will be in payment default on any of its debt in the foreseeable future without the modification This evaluation is performed under the Companys internal underwriting policy

The Company categorizes its non-hotnogeneous loans into risk categories based on relevant information about the ability of borrowers to service their debt such as among other factors current financial information historical payment experience credit documentation public information and current economic trends The Company analyzes loans individually by classifying the loans as to credit risk This analysis includes certain non-homogeneous loans such as commercial commercial real estate and construction and development loans This analysis is done continually on a loan by loan basis The Company uses the following definitions for classified risk ratings

Substandard Loans designated as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collaleral pledged i f any Loans have a well-defined weakness or weaknesses that jeopardize the I iquidation of the debt They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected

Doubtful Loans classified as doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts conditions and values highly questionable and improbable

Loans not 1neeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans The risk categories of loans were as follows

Classified Pass Total December 3 1 20 1 4

Commercial $ 44 1 29 $ 346876 $ 391 005 Commercial real estate 30787 328284 359071 tonstruction and development 2647 4 1 493 44140

Total $ 77563 $ 7 1 6653 $ 794216

December 3 1 201 3 Con1111ercial $ 58382 $ 280637 $ 3390 1 9 Commercial real estate 28664 3 1 2805 341 469 Construction and development 5580 49981 55561

J otal $ 92626 $ 643423 $ 736049

Note 4 - Premises and Equipment

Major classifications of assets comprising premises and equipment are summarized as follows at December 3 1

2014 2013 Land $ 1 5803 $ 1 5803 Premises 57 1 7 1 56 1 74 Furniture and equipment 56646 55394

Total 1 29620 1 27371 Less accumulated depreciation ( 84046) I 80756)

Premises and equipment net $ 45574 $ 466 1 5

The Company leases certain branch properties and equipment under operating leases Rent expense was $389 and $554 for 20 14 and 20 1 3 respectively Rent commitments before considering renewal options that generally are present are summarized as follows

20 1 5 20 1 6 20 1 7 20 1 8 2019 Thereafter Total

Note 5 - Other Real Estate Owned

Activity in other real estate owned was as follows at December 3 1

Beginning balance Acquired through or i nstead of loan foreclosure Reductions from sales Write-downs Ending balance

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Other real estate ovncd is reported net of a valuation allowance of $0 and $477 as of Dcce1nbcr 3 1 20 14 and 20 13 respectively Expenses excluding write-downs relating to other real estate owned for 20 14 and 20 1 3 were $886 and $2448 respectively

Activity in the valuation allowance on other real estate owned was as follows

Beginning balance $ 477 Additions charged to expense Reductions from sales of OREO (477) Ending balance $

Note 6 - Deposits

The major categories of deposits arc sun1marized as follows at December 3 1

Demand-non interest-bearing NOW Money market checking Savings Time deposits

Less than $250000 $250000 and greater

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

At December 3 1 20 14 the scheduled maturities of tin1e deposits were as follows

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Note 7 - Income Taxes

Income tax expense is as follows tOr the years ended December 3 1

2014 20 1 3 Current tax expense

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Deferred tax expense 3824 709 Total $ 8034 $ 2923

The Companys effective tax rate is lower than the statutory rate of34oo primarily due to taxcxcmpt incon1e The temporary differences which created deferred tax assets and liabilities at December 3 1 are summarized below

2014 2013 Deferred tax assets

Allowance for loan losses $ 1 0 1 5 5 $ 1 2580 Deferred compensation 1 449 1 3 8 1 Bad debt conformity recoveries 1 665 1 591 Pension obligation adjustment I 1 22 790 State net operating loss 1 386 203 1 Other real estate owned 1 1 80 2480 Net unrealized loss on securities available for sale 54 1 1 Depreciation 4

Total deferred tax assets 1 6961 26264 Deferred tax liabilities

Net unrealized gain on securities available for sale 1 2 Depreciation 347 Federal Home Loan Bank stock dividends 258 265 Deposit base intangible 29 1 300 Qualified prepaid expenses 395 407 Other 75 56

Total deferred tax liabilities 1 03 1 1 375 Net deferred tax assets $ 1 5930 $ 24889

At December 3 1 20 14 the Company had state net operating loss carry forwards totaling approximately $275 1 0 which expire at various dates beginning in 202 1 As of December 3 1 20 14 the Company believes that it will generate sufficient taxable income to utilize the net operating loss carry forwards prior to expiration and therefore no valuation allowance has been established

Based on the carry back available and expected future taxable income management believes it is more likely than not that the remaining deferred tax asset as of December 3 1 20 1 4 and 20 1 3 will be realized lhereforc no valuation allowance has been established

There were no unrecognized tax benefits as of December 3 1 2014 and 20 13 The Company does not expect a significant change in the unrecognized tax benefit in the next twelve months During 2014 and 20 1 3 the Company did not record any interest or penalties related to income tax matters in income tax expense The Co1npany and its subsidiaries are subject to US federal income tax as well as income tax of the State of I l l inois The Company is no longer subject to examination by taxing authorities for years before 20 1 1

Note 8 - Benefit Plans

The Bank maintains the West Suburban Bank 401 (k) Profit Sharing Plan (the 40 l (k) Plan) which currently serves as the Companys principal retirement plan The 40 I (k) Plan was established to address the limited availability of West S uburban common stock for acquisition by the ESOP and to offer participants an avenue to diversify their retirement savings The Company recorded expenses totaling $644 and $60 1 during 20 1 4 and 20 1 3 respectively for contributions to the 401 (k) Plan

The Bank also maintains an ESOP which is a noncontributory tax qualified retirement plan that covers en1ployees who have satisfied specific service requirements The ESOP provides incentives to employees by granting participants an interest in West Suburban common stock which represents the ESOPs primary investment

At December 3 1 2014 and 20 1 3 the ESOP held 85253 and 87053 shares of West Suburban common stock respectively that were allocated to ESOP participants Upon termination of their employment participants who elect to receive their benefit distributions in the form of West Suburban common stock may request the Company to purchase when the Company is legally pern1itted to purchase its comn1on stock the common stock distributed at the appraised fair n1arket value during two 60-day periods The first purchase period begins on the date the benefit is distributed and the second purchase period begins on the first anniversary of the distribution date The estimated fair value of the con1mon stock allocated to the ESOP participants was $363 1 8 and $28379 at Decc1nber 3 1 20 1 4 and 20 13 respectively

During 2014 and 2013 the ESOP distributed $437 and $353 respectively in cash representing the interests of participants In addition the ESOP distributed 1 799 shares of West Suburban co1nmon stock in 20 1 4 and 1 1 68 shares i n 20 1 3 The Company recorded expenses totaling $454 and $304 during 20 1 4 and 20 13 respectively tOr contributions to the ESOP Plan

An individual account is established for each participant under the 401 (k) Plan and the ESOP and the benefits payable upon retirement termination disability or death arc based upon service the amount of the en1ployers and for the 40 1 (k) Plan an etnployees contributions and any income expenses gains and losses and forfeitures allocated to the participants account

The Co1npany maintains deferred compensation arrangements with certain fom1er and current executive officers and certain metnbers of the Board of Directors The deferred compensation was $87 and $ I 00 for the years ended December 3 1 20 1 4 and 20 1 3 respectively Executive officers can elect to defer the pay1ncnt of a percentage of their salaries and cash bonuses if any and members of the Board of Directors can elect to defer the payment of their directors fees In addition the Co1npany can elect to make annual contributions for the benefit of current participants in the Companys deferred compensation arrangements The annual contributions tOr certain senior executive officers in 20 1 4 and 20 1 3 were $75 and $ 1 00 respectively or $25 per officer There were no annual contributions for certain other executive officers in 2014 and 20 1 3

The total accumulated liability for all deferred compensation arrangcrncnts was $3621 and $3354 at December 3 1 20 1 4 and 20 1 3 respectively These amounts are included in accrued interest and other liabilities in the consolidated balance sheets

The Cornpany maintains a noncontributory postretirement benefit plan covering certain senior executives The plan provides postretirement n1edical dental and long term care coverage for certain executives and their surviving spouses The eligible retirement age under the plan is age 62 The company used a December 3 1 measurement date for its postretirement benefit plan The plan is unfunded

lnfonnation about changes during 20 1 4 and 20 1 3 in obligations of the postretirement benefit plan follows

Change in benefit obligation

lcginning benefit obligation

Service cost

Interest cost

Actuarial loss (gain)

l3enefits paid

Ending benefit obligation

Change in plan assets at fair value

Beginning plan assets

Employer contributions

Benefits paid

Ending plan assets

Unfunded status at December 3 1

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Amounts recognized in accumulated other comprehensive loss at December 3 1 consist of

2014 2013 Net actuarial loss $ 953 $ 235 Prior service cost 1 27 148

Total $ l 080 $ 383

The accumulated benefit obligation was $2079 and $ 1 298 at December 3 1 20 1 4 and 20 1 3 respectively

Net postretirement benefit costs included the following components for the years ended December 3 1

201 4 2013 Service cost $ 1 2 $ 1 7 Interest cost 6 1 5 3 Amortization of unrecognized prior service cost 2 1 2 1 Amortization of net loss 1 9 48

Net periodic postrctirement benefit cost 1 1 3 1 3 9

Net loss (gain) 737 ( 1 59) Prior service cost Amortization of net gain ( 19) ( 48) Amortization of prior service cost (2 1 ) ( 2 1 )

Total recognized i n other comprehensive loss (income) 697 (228) Postretirement benefit cost and other comprehensive loss (income) $ 8 1 0 $ (89)

The esti1nated net loss and the prior service cost for the defined postretirement benefit plan that will be amortized fron1 accumulated other comprehensive incon1c into net periodic benefit cost over the next fiscal year are $ 1 43 and $2 1 respectively

The discount rate used to determine the benefit obligations in 20 1 4 and 20 1 3 was 425oo and 475 respectively The discount rate used to determine the net periodic benefit costs in 20 1 4 and 2013 was 475oo and 375 respectively

For measurement purposes a 65 annual rate of increase in the per capita premium cost of covered healthcare benefits was assun1ed for 2015 with the rate of increase reducing 5 per annum to an ultimate rate of increase of 5 in 2018 Dental benefits were assun1ed to increase 5 for 20 1 5 which rate of increase is assumed to apply to future periods

Assumed healthcare cost trend rates have a significant effect on the amounts reported for the healthcare plans A one-percentage-point change in assumed healthcare cost trend rates would have the following effects

Effect on total service and interest cost Effect on accumulated postretirement benefit obligation

One-Percentage-Point Increase

$ 82 2400

One-Percentage-Point Decrease

$ 63 1 8 1 3

The Company expects to contribute a1nounts i n 20 1 5 to satisfy its postretirement benefit plan obligations The following benefit payn1ents which reflect expected future service are expected for the years indicated

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Note 9 - Off-Balance Sheet Risk Contingent Liabilities and Guarantees

The Company is a party to off-balance sheet financial instruments to meet the financing needs of its customers These financial instruments include com1nitments to extend credit and standby letters of credit These financial instruments involve to varying degrees elements o[ credit and interest rate risks Such financial instruments arc recorded when funded

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the agreement These commitments primarily consist of unused lines of credit undrawn portions of construction and development loans and commitments to make new loans Commit1nents generally have fixed expiration dates or other termination provisions and may require the payn1ent of a fee Since many of the com1nitments are expected to expire without being exercised or drawn upon the total commitment an1ounts do not necessarily represent future cash requirements

The Companys exposure to credit risk in connection with commitments to extend credit and standby letters of credit is the contractual amount of those instruments before considering customer collateral or ability to repay The Company uses the same credit policies in making commitments and conditional obligations as it does tOr onshybalance-sheet instruments The Co1npany generally requires collateral or other security to support financial instrun1ents with credit risk The Company evaluates each customers creditworthiness on a case-by-case basis The amount of collateral obtained i f deemed necessary by the Company is based on 1nanagcments credit evaluation of the customer Collateral held varies and may include accounts receivable i nventory and equipment or comn1crcial or residential properties

A summary of the contractual exposure to off-balance sheet risk as of December 3 1 follows

Co1nmercial loans and lines of credit

Check credit lines of credit

Mortgage loans

l-ome equity lines of credit

Letters of credit

Credit card lines of credit

Note 1 0 - Fair Value of Financial Instruments

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liabil ity in an orderly transaction between market participants on the measurement date There are three levels of inputs that may be used to measure fair values

Level I middot middot Quoted prices (unadjusted) fOr identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date Level 2 - Significant other observable inputs other than Level I prices such as quoted prices for similar assets or liabilities quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data Level 3 - Significant unobservable inputs that reflect a companys own assumptions about the assumptions that market participants would use in pricing an asset or l iabil ity

1he Company used the following methods and signi ficant assu1nptions to estin1ate the fair value of each type of financial instrument

Securities The fair value of securities is detennined by quoted market prices if available (Level 1 ) For securities where quoted prices are not available fair value is calculated based on market prices of similar securities (Level 2)

1or securities where quoted prices or market prices of similar securities are not available fair value is calculated using discounted cash flows or other market indicators (Level 3 )

Impaired Loans The fair value of i1npaired loans secured by real estate with specific allocations of the allowance for loan losses is based on recent real estate appraisals These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach Adjustments are routinely made in the appraisal process by the appraisers to adjust fOr ditlerences between the comparable sales and income data available Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for detennining fair value Non-real estate collateral may be valued using an appraisal net book value per the borrowers iinancial statements or aging reports adjusted or discounted based on managements historical knowledge changes in market conditions from the time of the valuation and managements expertise and knowledge of the client and clients business resulting in a Level 3 fair value classification Impaired loans are evaluated on a quarterly basis tOr additional i1npairn1ent and adjusted accordingly

()ther Real Estate Owned Assets acquired through or instead of loan foreclosure arc initially recorded at fair value less costs to sell when acquired establishing a new cost basis These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell Fair value i s commonly based on recent real estate appraisals which arc generally updated no less frequently than annually These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach Adjustments arc routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly

Assets and liabilities nleasured at fair value on a recurring basis are as fOllovs at year-end

Significant Quoted Prices in Other

Active Markets for Observable Carrying Identical Assets Inputs

Value (Level I ) (Level 2)

2 0 1 4 Recurring basis

US government sponsored enterprises $ 42699 $ $ 42699 Mortgage-backed residential 4578 1 7 4578 1 7 State and political subdivisions 8 1 679 8 1 679

corporate 20549 20549 Total securities available for sale $ 602744 $ $ 602744

20 1 3 Recurring basis US government sponsored enterprises $ 68399 $ $ 68399 Mortgage-backed residential 4 1 4693 4 1 4693

State and political subdivisions 1 1 8529 1 1 8529

Corporate 28982 28982 Total securities available for sale $ 630603 $ $ 630603

There were no transfers between Level I and Level 2 during 20 1 4 and 20 13

Significant Unobservable

Inputs (Level 3)

During 20 1 4 and 2013 the Company had no securities where the fair value was determined using Level 3 inputs

Assets and liabilities measured at fair value on a non-recurring basis are as follows

2014 Non-recurring basis

Impaired loans (omn1ercial Commercial real estate Construction and development Residential real estate

Other real eslate owned Commercial Commercial real estate Construction and development

20 1 3 11on-recurring basis Impaired loans

Commercial Comtnercial real estate Construction and development Residential real estate

Other real estate owned Commercial Commercial real estate Construction and development Residential real estate

Quoted Prices in Active Markets for

Carrying Identical Assets Value (Level 1 )

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

Significant Other Significant

Observable Unobservable Inputs Inputs

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Impaired loans which are measured for i1npairn1ent using the fair value of the collateral for collateral dependent loans had a carrying amount of $36958 with a valuation allowance of $7233 at December 3 1 20 1 4 At December 3 1 20 13 impaired loans had a carrying amount of $36054 with a valuation allowance of $ 1 1 84 1 (Recovery of) provision for loan losses made for these loans for 20 1 4 and 2013 was $(3902) and $5053 respectively

Other real estate owned which are at fair value less costs to sell had a carrying amount of $5721 at December 3 1 20 1 4 Write-downs on the other real estate owned totaled $2059 and $ 1 64 1 during 20 1 4 and 2013 respectively At December 3 1 20 13 other real estate owned had a net carrying amount of $828 1 which consisted of the outstanding balance of $8758 net of a valuation allowance of $477

The following table presents quantitative infonnation about Level 3 fai r value measurements for financial instruments measured at fair value on a non-recurring basis

In1paired loans Commercial

Commercial real estate

Construction and development Residential real estate

Other real estate ovvned commcrcial commcrcial real estate Construction and development

2013 Non-recurring basis Impaired loans

Other real estate ovvned Commercial

(ommenial real estate Construction and development Residential real estate

Fair Value

1 0742

Valuation Techniques Range

Sales comparison 5oo - 12

Sales and income approach 7

Sales cotnparison 5 - (Yo

Sales and cost approach 7ltyo

Sales comparison 5(Yo - l 2oci

Sales comparison 5

Sales comparison 9dego - 10

Sales comparison 6dego - 1 2dego

Sales comparison 5 - 10

Income approach 5 01o

Sales comparison 14

Sales comparison 16

Sales comparison I 0o - 11 oci

Sales comparison 18dego

Unobservable inputs related to the income approach valuation technique include adjustments for differences in net operating income expectations and unobservable inputs for the sales comparison valuation technique include adjustments for differences between comparable sales

Carrying values and estimated fair values of the Companys financial instruments as of December 31 arc set forth in the table below

201 4 20 1 3

Carrying Estimated Carrying Estimated Value Fair Value Value Fair Value

Financial assets Cash and cash equivalents $ 1 084 1 2 $ 108412 $ 54582 $ 54582

Securities Available for sale 602744 602744 630603 630603

Held to nlaturity 208369 215 198 184031 189283

Federal Home Loan Bank stock 6076 NIA 5 1 38 NIA Loans less a llowance for loan losses 1070 I 09 1056750 1 028036 1030732

Accrued interest receivable 4895 4895 4926 4926

Financial liabilities Deposits 1902871 1902496 1854322 1856974

Accrued interest payable 816 816 1032 1032

Estimated fair value for cash and cash equivalents accrued interest receivable and payable den1and deposits and variable rate loans or deposits that reprice frequently and fully are each based on carrying value For fixed rate loans or deposits and for variable rate loans or deposits with infrequent repricing or repricing limits fair value is based on d iscounted cash flows using current market rates applied to estimated life and credit Fair value of debt is based on current rates for similar financing It was not practical to determine the fair value of FHLB stock due to the restrictions placed on its transferability The fair value of off-balance sheet items is not considered material

Note 1 1 - Related Party Transactions

Certain executive officers and directors of the Company and their affiliates are customers of the Bank and received loans from the Bank with outstanding balances totaling $36559 and $38866 at December 3 1 20 1 4 and 20 1 3 respectively Related parties maintained deposits at the Bank totaling $25572 and $27970 at December 3 1 201 4 and 20 1 3 respectively

Note 12 - Capital Requirements

Banks and bank holding companies arc subject to regulatory capital requirements administered by federal banking agencies Capital adequacy guidelines and additionally for banks prompt corrective action regulations involve quantitative measures of assets liabilities and certain off-balance sheet items calculated under regulatory accounting practices Capital amounts and classifications are also subject to qualitative judgments by regulators Failure to meet capital requirements can initiate regulatory action Management believes as of Decen1bcr 3 1 20 1 4 the Company and Bank meet all capital adequacy requirements to which they arc subject

Protnpt corrective action regulations provide five classifications well-capitalized adequately capitalized undercapitalized significantly undercapitalizcd and critically undcrcapitalized although these terms are not used to represent overall financial condition If adequately capitalized regulatory approval is required to accept brokered deposits If undercapitalized capital distributions are l imited as is asset growth and expansion and capital restoration plans are required At year-end 20 1 4 and 20 1 3 the 1nost recent regulatory notifications categorized the Bank as well-capitalized under the regulatory fra1nework for pro111pt corrective action There are no conditions or events since that notification that management believes have changed the institutions category

On January 1 3 20 1 1 the Bank resolved with its regulators to maintain minimum capital ratios in excess of the mini1num ratios required by applicable federal regulations Specifically the Bank resolved to maintain 1ninimu1n capital ratios equal to or exceeding 800oo for Tier I capital to average total assets and 1 200 fOr total capital to risk-weighted assets Although this commitment by the Bank is no longer effective West Suburbans Board of Directors is required to consult with its regulator to obtain regulatory approval prior to paying dividends or redeeming West Suburban common stock During 201 3 West Suburban obtained regulatory approval to pay a $200 per share dividend as well as redeem 8 1 0 shares of West Suburban cotnmon stock

The capital a1nounts and ratios of the Company and the Bank for purposes of the pron1pt corrective action framework are presented in the table below

Minimum For Minumun1 Capital Adequacy To Be Well-

Actual Puqoses Ca2italized As of December 3 1 2014 Amount Ratio Amount Ratio Amount Ratio

Total capital (to risk-weighted assets) Company $207964 1532 $108624 800 NIA NIA Bank (1) 206093 1519 108564 800 135705 1000

Tier I capital (to risk-weighted assets) company 1 90888 1406 54312 400 NIA NIA Bank 1 8 9026 1393 54282 400oo 81423 600

Tier I capital (to average assets) Company 1 90888 911 oo 83820 400 NIA NIA Bank ( I ) 189026 8991Yo 84 142 400 105177 500

As of December 31 2013

Total capital (to risk-weighted assets) Company $184779 1404 $105320 800 NIA NIA Bank ( I ) 184529 1402 105320 800 1 31650 1000

Tier I capital (to risk-weighted assets) Company 1 68 149 1277 52660 400 NIA NIA Bank 167899 1275 52660 400 78990 600

Tier 1 capital (to average assets) Company 168 149 825 81543 400 NIA NIA Bank ( 1 ) 167899 824 81513 400 101 892 500deg10

( I ) During the period reflected the Bank had resolved to maintain minimum Tier I capital to average assets of 800dego and total capital to risk-weighted assets of 12 00Yo

SELECTED FINANCIAL DATA (Dollars in thousands except per share data)

The following information should be read in conjunction with the Companys Consolidated Financial Statements and Notes to Consolidated Financial Statements included in this annual report All periods reported have been reclassified as appropriate for discontinued operations comparative purposes

Years Ended December 3 1 2014 20 1 3

Selected operating data

Interest income $ 64 1 1 2 $ 60724 Interest expense 5879 7382 Net interest income 58233 53342 (Recovery of) provision for loan losses (4994) 4985 Net interest incon1e after provision for loan losses 63227 48357 Noninterest income 9747 1 1 936 Noninterest expense 5 1 2 1 1 49867

Income before income taxes 2 1 763 1 0426 Income tax expense 8034 2923 Net income $ 1 3 729 $ 7503

Per share data

Earnings per share $ 3222 $ 1 758 Cash dividends paid 200 Book value 44830 39886

Selected balances end of year

Securities $ 8 1 7 1 89 $ 8 1 9772 Loans less allowance for loan losses 1 070 109 1 028036 Total assets 2 1 09404 204 1 2 1 2 Deposits 1 902871 1 854322 Shareholders equity 1 90992 1 69930

Ratios

Return on average total assets 066oo 037 Return on average shareholders equity 766 436 Cash dividends paid to net inco1ne 000 1 1 38 Average shareholders equity to average

total assets 859 845 Net interest margin ( I ) 3 14 299

( 1 ) Net interest margin is presented on a tax equivalent basis assuming a federal mcome tax rate of 350

AVERAGE BALANCE SHEETS NET INTEREST INCOME AND AVERAGE RATES AND YIELDS ON A TAX EQUIVALENT BASIS

The following table presents for the years indicated the total dollar amount of interest income from average interestshycarning assets and their yields as well as the interest expense on average interest-bearing liabilities and their costs expressed both in dollars and rates All average balances are daily average balances To the extent received interest on nonaccruing loans has been included in the table

Years Ended December 3 1 201 4 20 1 3

Average Average Balance Interest Rate Balance Interest

Assets

Federal funds sold $ 3258 $ 00dego $ 253 $ Securities

Taxable 735343 1 4481 20dego 707384 12009 Exempt from federal income tax ( 1 ) 1 2 1 749 3 1 49 26oo 1 3 8479 3566

Total securities ( I ) 857092 1 7630 2 1 oo 845863 15575 Loans ( I )(2) 1 043093 47922 46oo 992997 46735

Total interest-earning assets ( I )(2) 1 903443 65553 34dego 1 839 1 1 3 623 1 1 Cash and due from banks 62147 584 1 4 Premises and equipment net 462 1 4 45633 Other real estate owned 1 5298 28502 Allowance for loan losses (30467) (30243) Accrued interest and other assets (2) 9 1435 96 1 20

Total assets $2088070 $2037539

Interest-bearing deposits NOW $ 409395 220 0 1 oo $ 391 465 2 1 0 Money market checking 539593 2228 04oo 520325 2 1 34 Savings 454225 1 1 1 4 02oo 428052 1 029 Time deposits

Less than $250000 278339 2 1 57 08oo 3 2 1 573 3829 $250000 and greater 1 4598 149 l Ooo 1 7040 1 79

Total interest-bearing deposits 1 696 150 5868 03oo 1678455 73 8 1 Other interest-bearing liabilities 6378 1 1 02oo 3445 1

Total interest-bearing liabilities 1 702528 5879 03oo 1 681 900 7382 Demand-nonintcrcst-bearing deposits 1 92707 1 72523 Accrued interest and other liabilities 1 35 1 0 1 0942 Shareholders equity 1 79325 1 72 1 74

Total liabilities and shareholders equity $2088070 $2037539

Net interest income $ 59674 $ 54929 Interest rate spread 3 1 oo

Net interest margin ( I ) 3 1

( l ) Interest income net interest margin and yields are presented o n a tax equivalent basis assuming a federal income tax rate o f 35oo (2) The average balances of nonaccrual loans are included in accrued mtcrest and other assets

1 7dego 26dego l Soo 47oo 34oo

O oo 04oo 02dego

1 2oo 1 1 oo 04dego OOoo 04oo

Kevin J Acker David S Bell Duane G Debs Charles P Howard Peggy P Locicero

Keith W Acker Craig R Acker David S Bell Keith J Kotche William L Sn1ith Jr John G Will iams

Kevin J Acker Duane G Debs Keith W Acker Timothy W Clifford George E Ranstcad

Senior Officers Keith W Acker Kevin J Acker Duane G Debs Glenn M Mazade

Bank Secrecy Act Christene Robinson

Cash lilanagcmcnt Kim T Ewing

BOARDS OF DIRECTORS

Chairman of the Board Certified Public Accountant President and Chief Financial Officer Parkview Community Church Administrative Pastor Former Bank Officer

West Suburban Bank

Chairman of the Board President Fonner Bank Officer Certified Public Accountant Levato amp Kotche Pa1tner Sn1ith Hem1nesch Burke amp Kaczynski Partner Bracing Systems Vice President

OFFICERS

Chief Executive Officer President and Chief Financial Officer Chief Operations Officer Vice President Director of Internal Audit Secretary to the Board and freasurer

West Suburban Bank

President Trust Officer Senior Vice President Marketing Senior Vice President Comptroller and Trust Officer Senior Vice President Lending

Bank Secrecy Act Officer

Cash Management Manager

Commercial Lending Stanley ( Cc Iner Jr Grant 0 Cowen Debra H Crowley Jason Fels Eric Grauer David 13 Lah Joseph Marzan Michael F Moone David S Orr John J Schroeder Edwin S Stephens I V

Comptroller Jay JP Greifenkamp

George E Ranstead

Consumer Lending Kevin Bussey Steve Piscitello David J Wanek

Facilities Management Edvard J Garvey

Wealth Management Michael Abbatacola

Human Resources Mary Ellen Condon

Information middotrechnology Steven A Jennrich

Internal Audit Timothy W Clifford

Marketing Denise M Zatarski

Operations Danielle Budig Matthew R Acker

Vice President Co1nmercial Lending Vice President Commercial Loan Manager Vice President Commercial Loan Operations Vice President Commercial Credit Officer Vice President Con1mercial Lending Vice President Commercial Loan Manager Vice President Commercial Lending Vice President Commercial Real Estate Lending Vice President Commercial Loan Manager Vice President Co1nmercial Lending Vice President Commercial Lending

Vice President Senior Financial Analyst Investment Officer and Secretary to the Board

Vice President Assistant Comptroller and Investment Officer

Vice President Collections Manager Vice President Consumer Lending Manager Vice President Underwriter

Vice President Facilities Management

Vice President Wealth Management

Vice President Director of Human Resources

Vice President Director of Information Technology

Vice President Director of Internal Audit

Vice President Director of Marketing

Vice President Director of Operations Vice President ()perations Manager

Regulatory Compliance and Community Reinvestment Act Alice Ann Gaultney Vice President Director of Regulatory Compliance and Community

Retail Banking William J Jennrich Barbara D Darden Kirsten L Erickson Elizabeth Heavener

Reinvestment Act Officer

Vice President Director of Retail Branch Banking Vice President Regional Manager - South Region Vice President Regional Manager - North Region Vice President Regional Manager - Central Region

Jennifer Bentson Jessica Bonnes Kathleen M Brockman John Bruner

Jill E Castillo Jennifer Cernauske Maribel Colon Beverly D Cornelious Gina M Corral Grace Ditchfield Michael Dresden James R Graziano Priya Hira Mark Kadainus Terry Leitner Jeffery W Miska Brian S Nickleski Amy Olcott Patience K Ortyl Gwen B ()Loughlin Robert L Pauling Eric Peterson Cynthia A Picton Matthew Remus Lisa M Schmidt Jennifer Serafin Mihaela Tonchevici Aan1ir Wasccm

Security and Loss Prevention Jack Busce1ni

Cr rust Christine H Pawlak

Vest Suburban Insurance Services Daniel J Lorimer

Assistant Vice President Branch Manager - Oswego Oswego West Assistant Vice President Branch Manager - Church Street Assistant Vice President Branch Manager - Eola Road Assistant Vice President Branch Manager - Finley Road Downtown

Downers Assistant Vice President Branch Manager - Oakbrook Terrace Assistant Vice President Branch Manager - Glendale Heights Assistant Vice President Branch Manager - Lake Street Assistant Vice President Branch Manager - Romeoville Assistant Vice President Branch Manager - Bolingbrook Vest Assistant Vice President Branch Manager - Westmore Assistant Vice President Branch Manager - Sugar Grove Yorkville Assistant Vice President Branch Manager - President Street Assistant Vice President Branch Manager - Dan ad a Wheaton Assistant Vice President Branch Manager - South Elgin Bartlett Assistant Vice President Branch Manager - Cass Avenue 75th Street Assistant Vice President Branch Manager - South Main Assistant Vice President Branch Manager - Westmont Assistant Vice President Branch Manager - Gary Avenue Fair Oaks Assistant Vice President Branch Manager - Warrenville Assistant Vice President Branch Manager - Villa Park Assistant Vice President Branch Manager - StrattOrd Square Assistant Vice President Branch Manager - North Main Assistant Vice President Branch Manager - West Galena Assistant Vice President Branch Manager - Chicago Avenue Naperville Assistant Vice President Branch Manager - Charlestowne Randall Road Assistant Vice President Branch Manager - Bolingbrook East Assistant Vice President Branch Manager - River Run Assistant Vice President Branch Manager - Montgomery

Vice President Security and Loss Prevention

Trust Officer

Insurance Agent

Aurora

ADDRESSES OF WEST SUBURBAN FACILITIES

(630) 652 - 2000

Church Road Branch 1 3 1 1 Butterfield Road Aurora l l l inois 60502 Eola Road Branch 335 North Eola Road Aurora Illinois 60504 Lake Street Branch I 0 1 North Lake Street Aurora Illinois 60506 West Galena Branch 2000 West Galena Boulevard Aurora Illinois 60506

Bartlett Bartlett Branch 1 06 1 West Stearns Road Bartlett Illinois 60 1 03

Bloomingdale Stratford Square Branch 355 West Army Trail Road Bloomingdale lllinois 60108

Bolingbrook Bolingbrook East Branch 672 East Boughton Road Bolingbrook I l linois 60440 Bolingbrook West Branch 1 1 04 West Boughton Road Bolingbrook l l linois 60440

Carol Stream Gary Avenue Branch 40 1 North Gary Avenue Carol Stream I l l inois 60 188 Fair Oaks Branch 1 380 West Army Trail Road Carol Stream l l l inois 60 1 88 President Street Branch 895 East Geneva Road Carol Stream Illinois 60 1 88

llarien 75th Street Branch 1 005 75th Street Darien Illinois 6056 1 Cass Avenue Branch 8001 South Cass Avenue Darien Illinois 60561

Downers Grove Downtown Oovners Branch 5330 Main Street Downers Grove Illinois 605 1 5 Finley Road Branch 2800 Finley Road Downers Grove Illinois 605 15

Glendale Heights Glendale Heights Branch 1 657 Bloomingdale Road Glendale Heights l l l inois 60139

Lo1nbarltl North Main Branch 707 North Main Street Lombard lllinois 60148 South Main Branch 1 1 22 South Main Street Lombard Illinois 60 1 48 Westmore Branchmiddot 711 South eyers Road Lombard Illinois 60148 (J-leadquarters)

Montgomery Montgomery Branch 1 830 Douglas Road Montgomery lllinois 60538

Naperville Chicago Avenue Branch 1 296 East Chicago Avenue Naperville Illinois 60540 Naperville Branch 2020 Fcldott Lane Naperville I l l inois 60540 River Run Branch 1004 1 04h Street Naperville IL 60564

Oakbrook Terrace ()akbrook Terrace Branch l 7W754 22nd Street Oakbrook Terrace I l l inois 60 1 8 1

Oswego Oswego Branch 2830 Route 34 Oswego Illinois 60543 ()swego West Branch 1 0 7 1 Station Drive Oswego Illinois 60543

Romeoville Romeoville Branch 505 North Weber Road Romeoville Illinois 60446

South Elgin South Elgin Branch 1 870 Steams Road South Elgin lllinois 60 1 77

St Charles Charlestowne Branch 3000 East Main Street St Charles l l l inois 60 1 74 St Charles Branch 3 1 5 South Randall Road St Charles I l l inois 60 174

Sugar Grove Sugar Grove Branch 522 Route 47 Sugar Grove I l linois 60554

Villa Park Villa Park Branch 40 East St Charles Road Villa Park Illinois 60 1 8 1

Warrenville Warrenville Branch 3S041 Route 59 Warrenville I l l inois 60555

Vestmont Westmont Branch 6400 South Cass Avenue Westmont Illinois 60559

Wheaton Danada Branch 295 West Loop Road Wheaton Illinois 60 1 87 Wheaton Branch 22 1 South West Street Wheaton I l l inois 60 1 87

Yorkville Yorkville Branch 1 0 Saravanos Drive Yorkville Illinois 60560

ATMs are available at all of the above banking branches

Limited-Scrvirc Branches Beacon Hill Retirement (ommunity Lombard Illinois 60148 Clare Oaks BartleI Illinois 60103 f inancial (enter 717 5outh Jfeyers Road Lombard Jlinois 60148 lexington I leath (_are ( enter of Jmhurst Jmhurst Illinois 6() 126 Lexington Health care Center of Lombard Lombard Illinois 60148 Monarch Landing Naperville IL 60563 Villa St Benedict Lisle 11inois 60532

Other Services West Suburban Bank Land Trust 711 South Meyers Road Lombard llinois 60148 - (630) 652-2225 West Suburban Bank Visa 711 South Meyers Road Lombard llinois 60148 - (630) 652-2000 fVest Suburban financial Services 71 1 South 1leyers Road Lombard Illinois 60148 - (630) 652-2232 West Suburban Insurance Services Inc 71 1 South 11eyers Road Lomhard Illinois 60148 - (630) 652-2550

[MAP OF MARKET AREA THAT INDICATES LOCATION OF FACILITIES]

Unlike Any (Jther Bank

SHAREHOLDER INFORMATION

Annual Meeting of Shareholders The annual meeting of shareholders of West Suburban Bancorp Inc will be held at West Suburban Bank 7 1 1 South Meyers Road Lombard lllinois on Wednesday May 3 20 1 5 at 800 am Al l shareholders are cordially invited to attend

Stock Transfer Agent and Registrar Inquiries regarding stock transfers registration lost certificates and changes of name and address should be directed to the stock transfer agent and registrar by writing to

George E Ranstead Secretary to the Board and rrreasurcr West Suburban Bancorp Inc 2800 Finley Road Downers Grove Illinois 605 1 5 (630) 652-2802

Community Reinvestment Act West Suburban Bank adheres to a well-established policy of helping to meet the credit needs of our local communities consistent with safe and sound lending practices in accordance with the Community Reinvestment Act For additional intOrmation contact

Alice Ann Gaultney Comn1unity Reinvestment Act Officer West Suburban Bank 7 1 1 South Meyers Road Lombard Illinois 60 1 48 (630) 652-2 1 93

Independent Public Accounting Firm Crowe Horwath LLP One Mid America Plaza Suite 700 Post Office Box 3697 Oak Brook Illinois 60522

Corporate Counsel Barack Ferrazzano Kirschbaum amp Nagclberg LLP 200 West Madison Street Suite 3900 Chicago I l l inois 60606

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Annual Report to Shareholders

The bank holding company prepares an annual report tor Its shareholders

Organlzaon Chart

WEST SUBURBAN BANCORP INC LOMBARD ILLINOIS

WEST SUBURBAN BANK LOMBARD llUNOIS

100 Directly Owned By Bancorp

WEST SUBURBAN INSURANCE SERVICES LOMBARD ILLINOIS

100 Ditectly Owned By Bank

Domestic Branch Listing

-Mailed to the Federal Reserve Bank of Chicago on 2261201 5

Securities holders

Craig Acker Winfield IllinoisUSA US Citizen 25389 Common 5 96

Keith Acker Wmrenvllle IllinoisUSA US Citizen 30049 Commoo 705

West Suburban Bank is the trustee for the Empoyee Stock ownership Plan Trust Each participant in tho plan has the power to vole their shares The Trustee is empowered to manage the plan so long as its action is consistent with ERISA and Section 401 of the Code

REPORT ITEM 3-2 Securities holders

Not Appl1cabre

REPORT ITEM 4 Insiders - See Attached Sheets

INCORPORATED IN ILUNOIS

I INCORPORATED IN JLUNOIS

INCORPORATED iN ILLINOIS

llCOfdtbon rnd Vrifiction k 1 In tht ou AcbOn COMmn of UCf bfbull tow tntlaquo deg laquo deg tri actont below 1 If required cMte ill ttw lffctiw Dlte mMrTn

eamp2t OC Ii the bundl lnfotrNbOn ts COtTect enttf 0 the D1111 AcDoft cotrlW anee the brbullncft lnfotlnlllan b lfICOtffCl or middot ctta bullntti CribullI In -- ou AcUon cotwmn the dlte wht inforrNtiorl nm middot wJUd the poundn1K11H Dltbull eolutritl OoM bullft brbullldlbullttdwns06dlaquo doMd eMrf gtW WI tJlil 0UAcdori bullnctlhl Ultl or doampurt Ote 1t1 1w atcti- Dn4I rf1 Wll(fllttc1-nnewtowntdtJlthdinsttruontter owt ln DllU AcbolICO-JIM 11f 1 r bt-cft is 5WI lfMn bull row tdd N brlfldt dtte_ bullId elef A6A Dllt8 Amon C1CtMNI and the CtPtf1 or acation Ola lI CM fftecttw Ote

SybTttktn ltOltdurbull WrMnVoU bullrbull tvowct wnd bull copy IOycNM FRampmntact Sff lhe dbullUbull)td nnrucnont on this 111bull ftlf rncwe Wttorm1tion

tfvou lfe-mbull1 bullnc lhdtoyour fRICOlillaquot put YolJf 1Mtfbrtiotl NIM cltorMdn1w ifltheMlbfed lbullf ofttwtlt-mld

Toumfy tnt n1 YmiddotlO you rlbullal alSoWtlrTtbullI 1-100on-HtJC8ranch fot eldt btwdlbullbullthl 0UMdonof avOou Dettiir or Add rbullbullmiddot10ftleybeWDftotttG ln l hlgtdeCICVforTNtOfAtthtfJtY-lOawolQtJOnmiddottlMOotlampitlrir trp

- - - - - - hlD 1tUObull _ _ SO-Mt Addreu OK F sMce ftMbulld otricbullI 375034 WtsT SUIUlllAN BANC 711 SOUTH WESThIORE MEYUS lllGtD LOM SAAD

OK Fwll Setvkt 101 ORT11 VJCE mEn oma 101 NORlli Wt STlllEET OK - 450)74 OiURCH STREET 1111 MlfT[lllfl(U) degdeg OK fwll Srrice oe9l117 (QAfAQUTY JJS HOKTH poundCllA lllQAO OK - IOJOU6 wtsT GALEHA FACIUTY 2COO lepoundST GAUNA IOUllYAAD _ 2011115 IARTETT FAOLITY 1061 WlST STIAANS llOAD W-TLm

OK _ _14 aARE OMS 111NfOt l2S CAYIUON Ofl1VE INITUTT OK fwl Sl14JO JS5 WtST MfM TAAIL ROAD Offla JS5 wtST AllMY UAll lll eraquoD lampOQM 1 NGDAlE

fiJI SeMce IOUNGMOCX MAHCH UOtl wm IOUltitflcw degdeg ecwGMOOK F1o1bull StMu gtbull72gt IOUNGMOCX EAST fAOUTl 572 EAST IOUGHTOH ROAD llCUl GOllOOK F1i1bullSeMce 2S74910 UIO WEST ARMY TRM ROAO OFfta l3IO WESJ ARMY TUJL 1110AD CNIOL STlllEAM

OK _ 1227215 ltlGlNEVA ROAD OfFta ns poundAST GENEVA lllOAD CMQSTREAM

OK _ 12115 CAlllOl STREAM fAOUTY 401 GAAY AVJ14Upound cMOL STlllEAM

_ 75TH mm FACJUTY 1005 7STH mcET OMCN

_ 102434 IOOl SOUTH CASS AVl-Ul oma 9l01 SOUTH CASS AV(N Upound DMIEJrri

_ 9Slll 21aJ SOUTH fi tf lllOAD OfFICC l8Xgt SOUTH f1ftllY 1110AD 00ltltU GROVE _ DONhEJtSGROW lftAAhOt illOMMJrri Stt[(l DOWHUSOYC

OK LMTtbullwdSeMcbull 142110 400 wtST 9UTTpoundRf1 ELD llOAD MANOt 4CIgt WCST IUTTUlflUD [MffUOST ful SertICe GUhDAlE Hpound1GHTS fACJUTY 15S7 ll(X)MJ G0olpound lllQAD GLfHDAipound HEGnS

linltfd SnWbull 4210245 VIUASTBENEDICT 1920MNIAVE UU OK Ful sMa 1122 50l1lt MAIN STlllEET OFFICE 1122 SOUTH MAIN STllpoundpoundT LOMIWIO

OK LbullMfd sMce 2102201 BEACON HILL RpoundTIRpoundllpoundHT HOME IMNO 2400SOIJTH f1tlpoundY ROiflD lOMIWID

OK uma stwe gtOlgtSl7 llXINGTON SQJAAE k[TM(-i[l(T UAN01 2100 SOUTH f1MfT ROAD lOMIWID

OK lgtNttd- lOMampWl FAOUTY 717wtSTMaE hfYtlllS ROAO LOMIWID

_ gttQll]4 -tAt lrri STMpoundT fAOUTY 707 flllaffii MAiN STRUT lOMIWID

wtsT SU8UUAH UMntD SElVICI

OK Umltted smce MANOI 701 SOUTH MfYUS ftOAD LOMIWID

f SeMCe lllO DOUGlAS degdeg 1111AHCH lllO DOUGLAS ROAD MONTERY

FulSMQ 1H6 CAST OUCAGO MANCH 126 poundAST OtlCAGOAVCNUpound NAPUVIW

OK _ 2020 fEUgtOTT LANE IAAN 1020 fllDOTI lAfltE NAPOVUl

OK _ I-I lllfYUl JIUN PANCH UIM lCM STllpoundpoundT SUITT UlO NNpound1MUl _ nooua UNO mtET FACJUTY 11W1S4 UhD STRUT TUUIAC( OK )4tlUS 015WEGO MANOI 2llO US llaquoIHWA Y 34 QSW(GQ OK J07159S aswt GO WCST IAAN Ot 1071 STATION OJllVE QSW(GQ _ J4911DI RtwEOYWf IAANOt SOt hOllTlI WHUl ftOAD bullOMpoundlt1VW )tlUI OWt LESTOWN( 1111AHOt XIXgt UST MAIJrri STREET SAINT OWLES _ l41J099 SANT CHMllS fACJUTY 31S SOUT11 AANDAl1 lllCWgt SAIHTOfMlES 1154155 t l70 MCDONALD lllOAD orna 1110 MCDOHAlD Rewgt SOUTM UGIN

OK _ UGAll GR01pound 521 ROUTpound 4 1 UGAll GllOVE OK _ VILLA PARJ IMN01 AO UST SAINT 01MUSOAD VIUAARK

_ 210ll72 WAMUWUll FACIJTY JS041 lllOUR 59 WAltJIENVlLf

OK _ ll15195 WUtradeOHTMAHOt 6400 sount CASS AVEHUE WUTMOHT OK m SOtmi WCST mtCt OfACE ru SOUTIlt wm mm WHlAJOll OK D15n WHCATON IAAHCH 29iWUTLOOll ftOAO WHlATilH flII ltbull )6118gt7 YOIUVIUpound MANOi 10 SMAVlhOS llOAO YORCVILU

lloGodo IL 60141

IL tD506 IL 50I - anm fOIOI IOUbull bull IL IL OOU IL OOU IL fOIU 00561

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FOKIJMHUMbull omc NurntMfmiddotbull HoodOffico Hiud Office ID usobull _

DIPAGE UNITEDSTATU 1240 1 0 WEST SYIUllllAN SANK 1750]4

UITIDSTATES ll wtST SUIUllllAN IANIC 1750]4

UNITTDSTATlS H-Ollteqund NOIRlaquoQMred WpoundST SiJIURIAH 8ANC )750]4

DUP U-fltDSTATCS 245545 56 WtST SUWllAN 114-c )750)4

OWpound fT(D STATpoundS mlOS 14 WEST SIJIUlllMH BAAlt 1750]4

DlbullAGE u-rno STATES ZS4147 29 WEST SUauRIAH MN( )750

coac U1ltDST4TlS 479451 47 WpoundST SUllJltlAH IANtC mo

DIPAGE UdegrttD STAJU 26 [ST SUIUQAH 11-d W1U rfED STATpoundS U WEST SUBUUAH W1U UNTltD STATtS 2S226 11 WEST suaotllAN IAN( 3750]4

DU PAGE UNITTDSTATlS 254141 JO WEST 5U9UR9AN IAN( 3750)4

DU PAGE UNITTD STATES 41062 W WEST SUBUJIBAN INtiK 1750)4 DIPAGE Ul iTEO STATES 2Sill4S 21 WEST 5UIURIAN IAH( DIPAGE Uflli TmSTATlS gtSm 17 WEST SUIWUAH IAAIC UN TED STATts lbullS91 16 WEST SJIMIUAH BAA( )nltIJ4

DIPAGE PlmDSTATtS 20 WE5T SUIUUAH IA- )750)4

0) UNTCD STATU l5ampUt 40 WCST 5UBUllBAH IAH( lnltIJ4 OU PAGE UfllirrcD STATts 24SSl6 I WEST SUMlIUH IMIC )nltIJ4

OUPAGE u-ntD STATtS 2CS5ll l WEST SUIUllllAH IAM OU PAGE UN1TtD STATU sun11 49 wrn SUIUltSAN IAHIC 575034

OU PAGE UNlTtD STATES mm 21 WEST SU80R9A IANIC

OU PAGE Ul rTpoundD STATU 2St79 23 WEST SUIUUAN ampAAIC lnltIJ4

D)PAGf UtiTCDSTATU rum 12 WEST suaJltampAN MJtjlC )nltIJ4

UfllITTOSTATU hot fd hotR--ed WEST SUBUUAN MM )750)4

DOfAGE UTCDSTATU 2bullSSlS 7 wtST SUllJUAN INtlt lnltIJ4

DU PAGE UflIITTDSTATES 2bull532 4 wtST SU9URlampAN MhK 1750)4

lENOAU U1TIDSTATlS 11 wrsr SUSU11BAN IANC DUPAGf UPlttfltD STAID 42 WEST SUIUHAN BANC 1750]4

DIPAGE U1TlDSTATU U WEST SUIURMN MHK WOLl UNrTtD STATts 41 WUT SU9UQAH ampAft l U-JTftgt STATn 6 WtsT SU_IAN WIC lnltIJ4 WltDAU U-mtgt STATU 164171 41 WpoundS1 SU9URIAN INtC 175034

WOAU UPiilfllDSTATU 46 WEST SUIURIAN IAAI( 175034 1 UhntDSTATU 24SS47 31 WUT SUllU-IAN IAAIC lnltIJ4

UNfTEOSTATU lt WUT SUIURIAN MJI( )750)4

UPlttlT(D STATtS 254149 lJ WIST SUIUltlAH INflC lnltIJ4

UlflTpoundDSTATU 969 0 wtST SUIURMN IANIC )750]4

-middot UMTED STATES 526237 50 wtST SUBURBAN IANC 11 DOfAGE UMTEDSTATU 20546 37 WEST SUIUllllAh IANIC )75034

DUPAGE UPlttrTpoundDSTATU 24 WEST SUBURBAN ampAhlC DUI- WtntDSTATD 245 54 1 14 WEST SUMJHAN MhC )75034

DUPAGE UMTtDSTATU 14SSCC 35 WpoundST SUIUltlAN BANC DIPAGE UhITTD STATS 245541 ll WEST suaubullBAA IAhlt ([DALL UhrTED STAtts 4SIWpoundST sueubullav INOC )75034

Report Item 4 Insiders

List each director trustee partner executive officer principal shareholder ( 10 or more) or person exercising similar functions regardless of title or compensation of the bank holding company showing the following

(1) Name and address (city and statecountry) Kevin J Acker Bloomingdale IlUSA

(2) Title or position with

(a) the bank holding company Chairman of the Board and lthief Executive Officer Director

(b) all direct and indirect subsidiaries of the bank holding company Senior Vicc-President _varketing-West Suburban Bank

(3) Title or position with any other business company in which the person is a director trustee partner or principal officer NA

(4) Principal occupation if other than with the holding company organization NIA

(5) Number of shares and percentage of each class o f voting securities owned controlled or held with power to vote in

(a) the bank holding company 1 835 1 -43 1

(b) direct and indirect subsidiaries of the bank holding company NIA

( c) any other business company if 25 percent or more of its outstanding voting securities arc held (report tl1e name of the business company and actual percentage of ownership) NIA

List each director trustee partner executive officer principal shareholder (I 0 or more) or person exercising similar functions regardless of title or compensation of the bank holding company showing the following

(1) Name and address (city and statelcow1try) Keith W Acker Warrenvik IlUSA

(a) the bank holding company Chief Operating Officer and Vice-President

(b) all direct and indirect snbsidiaries of the bank holding company Director and President of West Suburban Bank

(3) Title or position with any other business company in which the person is a director trustee partner or principal officer NIA

(4) Principal occupation if other than with ilic holding company organization NIA

(5) Number of shares and percentage of each class of voting securities owned controlled or held with power to vote in

(a) ilie bank holding company 30049 -705

( c) any other business company if 25 percent or more of its outstanding voting securities are held (report the name of the business company and actual percentage of ownership) NIA

List each director trustee partner executive officer principal shareholder (10 or more) or person exercising similar functions regardless of title or compensation of the bank holding company showing the following

(1) Name and address (city and statecountry) Charles P Howard Lombard llUSA

(a) the bank holding company Director

(b) all direct and indirect subsidiaries of the bank holding company NIA

(3) Title or position with any other business company in which the person is a director trustee partner or principal officer Business Admiltrltor Parkview Community Church

( 4) Principal occupation if other than with the holding company organization Business Administrator Parkview Community Church

(a) the bank holding company 3 270- 077

(c) any other business company if25 percent or more of its outstanding voting securities arc held (report the name of the business company and aciual percentage of ownership) NIA

List each director trustee partner executive officer principal shareholder (10 or more) or person exercising similar fundions regardless of title or compensation of the bank holding company showing the following

(1) Name and address (city and statecountry) Peggy P LoCicero Elmhurst IlIUSA

( 4) Principal occupation if other than with the holding company organization NIA

(a) the bank holding company I 0 579- 248

( c) any other business company if 25 percent or more of its outstanding voting securities arc held (report the name of the business company and actual percentage of ownership) NIA

(1) Name and address (city and statecountry) David S Bell Lombard IllJ SA

(3) Title or position with any other business company in which the person is a director trustee partner or principal officer Partner in Lexington Square Senior and Health Care Centers

( 4) Principal occupation if other than with the holding company organization Partner in Lexington Sguare Senior and Health Care Centers

(a) the bank holding company 959- 022

( c) any other business company if 25 percent or more of its outstanding voting securities are held (report

the name of the business company and actual percentage of ownership) NA

(1) Name and address (city and statecountry) Duane G Debs Darien IlU SA

(a) the bank holding company President and Chief Financial Officer Qirector

(b) all direct and indirect subsidiaries of the bank holding company Senior Vice-Prsident and Comptroller West Suburban Bank

(a) the bank holding company I 873- 043

FR Y-6 Cover Page

Report Item 1 Annual Report to Shareholders

Report Items 2a Organization Chart 3 Securities Holders

Report Item 2b Domestic Branch Listing

Profile and Business Review

West Suburban Bancorp Inc (West Suburban ) is the parent bank holding company of West Suburban Bank Lombard I l linois (the Bank and together with West Suburban the Company) The Company had total assets at December 31 2014 of approximately $21 billion and maintained 37 full-service branches seven l imited-service branches and four departments providing insurance financial and other services for the convenience of the customers of the Bank throughout DuPage Kane Kendall and Will Counties in Illinois The Bank is one of the largest independent banks headquartered in DuPage County Illinois and focuses on providing retail and commercial banking products and services in its market area The Company had 490 full-time equivalent employees at December 31 2014

Net incon1e Per share data

Earnings per share Book value

Net loans Total assets Total deposits

Financial Highlights

Years Ended December 31

(Dollars in thousands except per share data) 2014 2013

13729 $ 7503

3223 1758

44830 39886

1070 109 1028036

2109404 2041212

1902871 1854322

Table of Contents

Profile and Business Review 1 Special Note Concerning forward-Looking Statements I

Letter to Our Shareholders Customers and Friends 2

Financial Statements

Independent Auditors Report 3

Consolidated Financial Statements 4

Notes to Consolidated Financial Statements 9 Selected Financial Data 34

Average Balance Sheets Net Interest Income and Average Rates and Yields on a Tax Equivalent Basis 35

Boards of Directors and Officers 36

Addresses of West Suburban Facilities 39

Map of Facilities 41

Shareholder Information 42

Special Note Concerning Forward-Looking Statements

1his document and future oral and ivritten statements of the (ompany and its tnanagement may contain fonvardshylooking statements with respect to the financial condition results of operations plans objectives future performance and business of the Company Fonvard-looking statements which may be based upon beliejI expectations and assumptions of the Company s management and vn itformation currently available to management are generally identifiable by the use of wordy such as believe expect anticipate plan intend estimate may vi would could should or other similar expressions A number of factors many of which are beyond the ability of the Company to control or predict can cause actual results to differ materially from those in its fonvard-looking statements Additionally all statements in this document including

fiuward-looking statements speak only as of the date they are made and the (ompany undertakes no obligalion to update any statement in light of new information or fature events

Sincerely

()rinion

Crowe Horwath LLP

Assets

83206 25206

1084 1 2

602744

208369 6076

8 1 7 1 89

1 070 1 09 34366 45574

7409 26345

Total liabilities

$ 203373 1 699498 1 90287 1

3 1 86 1 2355

1 9 1 84 1 2

3406 35224

1 52980 (6 1 8)

1 90992 $ 2 1 09404

20 1 3

$ 54382 200

630603

1 8403 1 5 1 3 8

8 1 9772

1 028036 33823 466 1 5 20458 37926

$ 204 1 2 1 2

$ 1 74471 1 67985 1 1 854322

3456 1 3504

1 87 1 282

3406 35224

1 3925 1 (7 95 1 )

1 69930 $ 20412 1 2

Interest expense

Nonintcrest income

Noninterest expense

Net Income

Tax effect

Net of tax

Tax effect

Net of tax

$ 13729

( 166) (5422)

40 287

7333 $ 21062

$ 7503

( 18207)

(1176)

(11401)

69 (94) 134

( 11267)

$ (3764)

Accumulated Other

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Sincerely

()rinion

Crowe Horwath LLP

Assets

83206 25206

1084 1 2

602744

208369 6076

8 1 7 1 89

1 070 1 09 34366 45574

7409 26345

Total liabilities

$ 203373 1 699498 1 90287 1

3 1 86 1 2355

1 9 1 84 1 2

3406 35224

1 52980 (6 1 8)

1 90992 $ 2 1 09404

20 1 3

$ 54382 200

630603

1 8403 1 5 1 3 8

8 1 9772

1 028036 33823 466 1 5 20458 37926

$ 204 1 2 1 2

$ 1 74471 1 67985 1 1 854322

3456 1 3504

1 87 1 282

3406 35224

1 3925 1 (7 95 1 )

1 69930 $ 20412 1 2

Interest expense

Nonintcrest income

Noninterest expense

Net Income

Tax effect

Net of tax

Tax effect

Net of tax

$ 13729

( 166) (5422)

40 287

7333 $ 21062

$ 7503

( 18207)

(1176)

(11401)

69 (94) 134

( 11267)

$ (3764)

Accumulated Other

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

()rinion

Crowe Horwath LLP

Assets

83206 25206

1084 1 2

602744

208369 6076

8 1 7 1 89

1 070 1 09 34366 45574

7409 26345

Total liabilities

$ 203373 1 699498 1 90287 1

3 1 86 1 2355

1 9 1 84 1 2

3406 35224

1 52980 (6 1 8)

1 90992 $ 2 1 09404

20 1 3

$ 54382 200

630603

1 8403 1 5 1 3 8

8 1 9772

1 028036 33823 466 1 5 20458 37926

$ 204 1 2 1 2

$ 1 74471 1 67985 1 1 854322

3456 1 3504

1 87 1 282

3406 35224

1 3925 1 (7 95 1 )

1 69930 $ 20412 1 2

Interest expense

Nonintcrest income

Noninterest expense

Net Income

Tax effect

Net of tax

Tax effect

Net of tax

$ 13729

( 166) (5422)

40 287

7333 $ 21062

$ 7503

( 18207)

(1176)

(11401)

69 (94) 134

( 11267)

$ (3764)

Accumulated Other

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Assets

83206 25206

1084 1 2

602744

208369 6076

8 1 7 1 89

1 070 1 09 34366 45574

7409 26345

Total liabilities

$ 203373 1 699498 1 90287 1

3 1 86 1 2355

1 9 1 84 1 2

3406 35224

1 52980 (6 1 8)

1 90992 $ 2 1 09404

20 1 3

$ 54382 200

630603

1 8403 1 5 1 3 8

8 1 9772

1 028036 33823 466 1 5 20458 37926

$ 204 1 2 1 2

$ 1 74471 1 67985 1 1 854322

3456 1 3504

1 87 1 282

3406 35224

1 3925 1 (7 95 1 )

1 69930 $ 20412 1 2

Interest expense

Nonintcrest income

Noninterest expense

Net Income

Tax effect

Net of tax

Tax effect

Net of tax

$ 13729

( 166) (5422)

40 287

7333 $ 21062

$ 7503

( 18207)

(1176)

(11401)

69 (94) 134

( 11267)

$ (3764)

Accumulated Other

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Interest expense

Nonintcrest income

Noninterest expense

Net Income

Tax effect

Net of tax

Tax effect

Net of tax

$ 13729

( 166) (5422)

40 287

7333 $ 21062

$ 7503

( 18207)

(1176)

(11401)

69 (94) 134

( 11267)

$ (3764)

Accumulated Other

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Net Income

Tax effect

Net of tax

Tax effect

Net of tax

$ 13729

( 166) (5422)

40 287

7333 $ 21062

$ 7503

( 18207)

(1176)

(11401)

69 (94) 134

( 11267)

$ (3764)

Accumulated Other

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Accumulated Other

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Cash Hows

Loss Contingencies

Balance at

1 213 1 1 13

$ (7725) (226)

$ (79 5 1 )

Current Period

Change

$ 7743 (4 1 0)

$ 7333

Balance at

1 23 1 1 4

$ 1 8 (636)

$ (61 8)

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Note 2 - Securities

Amorti7cd Cost

$ 43 1 5 8 458058

8 1 350 20 149

$ 6027 1 5

An1ortized Cost

$ 70580 424522 1 20303 28334

$ 643739

Gross Unrealized

Gains $ 2

3951 494 400

$ 4847

Gross Unrealized

Gains $ 6 1

2 1 78 167 648

$ 3054

2014 Gross

Unrealized Losses

$ (461) (41 92)

( 1 65)

$ (48 1 8)

20 1 3 Gross

Unrealized losscs

$ (2242) ( 1 2007)

( 194 1 )

$ ( 1 6 1 90)

Fair Value

$ 42699 4578 1 7

8 1 679 20549

$ 602744

Fair Value

$ 68399 4 1 4693 1 1 8529 28982

$ 630603

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

2014 Gross Gross

Total $ 208369 $ 6829 $ $ 2 1 5 1 98

20 1 3 Gross Gross

Total $ 1 8403 1 $ 59 1 1 $ (659) $ 1 89283

Total $

74377 6 1 606

458058 6027 1 5 $

2014 $ 83686

555 (389)

8688 $ 74675 6 1 564

4578 1 7 602744 $

2013 $ 62 1 89

1 364 ( 1 88)

Cost Fair Value 206 1 4 $ 2075 1 22494 23 1 3 3 1 8094 19468

147 1 67 1 5 1 846 208369 $ 2 1 5 1 98

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Note 3 - Loans

Consumer 8740 98 1 5 Total t 09549 1 1 058588

Real and Real

loan losses (2962) (366) ( 1 282) (523) 1 3 9 (4994)

Decembtr 31 20 1 3

loan losses 5433 (929) ( 1 222) 1 707 (4) 4985

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Real and Real

attnbutabk to loans

1mpamnent $ 5732 $ 259 $ $ 1 242 $ $ 7233

balance $ 1 6886 $ 3 0 8 $ 681 $ 4385 $ 322 $ 25382

for 1mpa1rrnent $ 2 461 $ 17775 $ 2423 $ 1 2882 $ $ 5454 l

December 3 1 20 1 3

impairment $ 9906 $ 370 $ $ 1 565 $ $ 1 841

balance $ 19468 $ 3501 $ 1 948 $ 5288 $ 347 $ 30552

ror impa1rmtnt $ 23442 $ 1 8225 $ 4702 $ 14298 $ $ 60667

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Total $ 59724 $ 54541 $ 7233

Total $ 69649 $ 60667 $ 1 1 841

Total $ 58686 $ 67223

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

December 3 1 2014

Consumer Total

Nonaccrual

1 7094 1 160 2423

1 3 1 4 4 1 3

4 22408

1 86 1 8 451

1 269 98

25 138

1 1 6 6

26 1 48

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

December 3 1 2014

30 - 59 Days

Past l)uc

Consumer Total

December 3 I 20 1 3

8 1 7 469

$ 1 0696

Consun1er Jolal

1 858 223

2 1 $ 5261

60 - 89 Days

Past J)uc

225 339

1 9 $ 1 083

948 225

$ 1 1 73

$ 1 6732 1 1 60

1 3 1 4 4 1 7

4 $ 22050

$ 1 8230 380

1 385 1 04 26

$ 24827

Total Past J)ue

$ 24377 3425

2356 1 225

23 $ 33829

$ 1 8661 3 1 08

4 1 9 1 552

47 $ 3 1 26 1

Loans Not Past l)uc

$ 366628 355646

4 1 7 1 7

1 20645 1 68309

87 1 7 $ 1 06 1 662

$ 320358 338361

1 30 1 58 1 77823

9768 $ 1 027327

$ 3 9 1 005 359071

44 1 40

1 23001 1 69534

8740 $ 1 095491

$ 3390 1 9 3 4 1 469

5556 1

1 34349 1 78375

98 1 5 $ 1 058588

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

December 31 2014

Total 6 $ 3375 $ 3476

Total 1 1 $ 225 1 $ 2324

December 3 1 2014

Total $

Total 2 $ 807

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Total $ 77563 $ 7 1 6653 $ 794216

J otal $ 92626 $ 643423 $ 736049

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

368 258

74 74 74 43

$ 20458 880

( 1 1 870) (2059)

$ 7409

20 1 3 $ 22757

1 291 7 ( 13575)

( 1 64 1 ) $ 20458

Note 6 - Deposits

20 1 4 $ 203373

42 1 1 99 546288 457055

2603 1 2 1 4644

$ 1 902871

20 1 3 $ 477

20 1 3 $ 1 74471

40 1 1 5 5 534275 433995

293206 1 7220

$ 1 854322

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

20 1 5 $ 1 77 73 1 20 1 6 42756 20 1 7 19962 20 1 8 2 1 5 1 0 20 1 9 12898 Thereafter 99

Total $ 274956

Federal $ 42 1 0 $ 1 5 1 3 State 70 1

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Service cost

Interest cost

l3enefits paid

Benefits paid

Ending plan assets

l 298 1 2 6 1

737 (29)

29 (29)

$ 2079

l 4 1 4 1 7 53

( 1 59) (27)

27 (27)

$ 1298

Total $ l 080 $ 383

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

$ 82 2400

$ 63 1 8 1 3

2015 $ 69 20 1 6 84 20 1 7 6 1 201 8 59 20 1 9 69 Fallowing 5 Years 496

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Mortgage loans

Letters of credit

1 32498 786

1 09453 6333

32 1 0 1 28 1 1 7 1

20 1 3 1 3 1 387

796 3468

1 1 2774 7691

33474 289590

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Inputs (Level 3)

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

1 50 1 7 $ 4825 2423 7460

1 1 0 1 1 824 2796

1 0742 $ 4844

656 7971

1 772 2258 3761

(Level 2) (Level 3)

$ $ 1 5 0 1 7 4825 2423 7460

1 1 0 1 1 824 2796

$ $ 1 0742 4844

656 7971

1 772 2258 376 1

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Fair Value

1 0742

Sales comparison 5

Sales comparison 14

Sales comparison 16

201 4 20 1 3

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Per share data

Ratios

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Assets

Total assets $2088070 $2037539

O oo 04oo 02dego

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

BOARDS OF DIRECTORS

West Suburban Bank

OFFICERS

West Suburban Bank

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

George E Ranstead

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Trust Officer

Insurance Agent

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Aurora

(630) 652 - 2000

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

MEMBER FDIC -

BBB I lilillilil

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

REPORT ITEM 1

REPORT ITEM 2A

REPORT ITEM 26

REPORT ITEM 3

Organlzaon Chart

Securities holders

Not Appl1cabre

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

lloGodo IL 60141

60Ut-21 oam IL 50141

ll 60141

IL IL 40 40 IOJll

bulll 60174

IL 60171

IOlll L

FR Y-6 Cover Page

Documents

rRV-6 ro - Federal Reserve Bank of Chicago/media/others/banking/financial... · Profile and Business Review West Suburban Bancorp, Inc. ("West Suburban") is the parent bank holding