All of the Company's revenue from contracts with customers within the scope of ASC 606 is recognized within noninterest income. The following table presents the Company's sources of noninterest income. Items outside of the scope of the ASC 606 are noted as such.



	Three Months Ended September 30,				Nine Months Ended September 30,
	2019		2018		2019			2018
Deposit service charges and fees	$	983	$	1,003	$	2,887		$	2,970
Loan servicing fees ⁽¹⁾	99		71		178			231
Mortgage brokerage and banking fees ⁽¹⁾	28		46		77			226
Gain (loss) on sale of equity securities ⁽¹⁾	—		—		295			(14		)
Loss on disposal of other assets	—		—		(19		)	—
Gain on sale of premises held-for-sale	—		—		—			93
Trust and insurance commissions and annuities income	198		207		627			670
Earnings on bank-owned life insurance ⁽¹⁾	37		35		105			146
Bank-owned life insurance death benefit ⁽¹⁾	—		—		—			1,389
Other ⁽¹⁾	129		208		374			492
Total noninterest income	$	1,474	$	1,570	$	4,524		$	6,203

(1) Not within the scope of ASC 606

A description of the Company's revenue streams accounted for under ASC 606 follows:

Deposit service charges and fees: The Company earns fees from its deposit customers based on specific types of transactions, account maintenance and overdraft services. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer's account balance.

Interchange income: The Company earns interchange fees from debit cardholder transactions conducted through the Visa payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Interchange income is included in deposit service charges and fees. Interchange income was $1.2 million and $1.1 million for the nine months ended September 30, 2019 and 2018. Interchange income was $395,000 and $382,000 for the three months ended September 30, 2019 and 2018.

Gain on sale of premises held-for-sale: On April 23, 2018, the Bank sold its office building located in Burr Ridge, Illinois. The sale was to an unrelated party and title was transferred at closing. As such, the transaction constituted a sale and a net gain was recorded in the second quarter of 2018.

Trust and insurance commissions and annuities income: The Company earns trust, insurance commissions and annuities income from its contracts with trust customers to manage assets for investment, and/or to transact on their accounts. These fees are primarily earned over time as the Company provides the contracted monthly or quarterly services and are generally assessed based on a tiered scale of the market value of assets under management (AUM) at month-end. Fees that are transaction based, including trade execution services, are recognized at the point in time that the transaction is executed, i.e., the trade date. Other related services provided include fees the Company earns, which are based on a fixed fee schedule, are recognized when the services are rendered.