Old Second Bancorp Income Statement (2016-2025) | OSBC

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Income Statement	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Revenue & Cost
Provisions (Quarter)	-3.00M	-3.50M	-1.45M	12.33M	0.32M	1.33M	3.53M	1.50M	3.50M	2.00M	3.00M	8.00M	3.50M	3.75M	2.00M	3.50M	2.40M	2.50M	19.65M	2.95M
Revenue (Quarter)	0.57M	1.22M	0.24M	1.35M	0.14M	2.51M	0.08M	0.52M	0.52M	0.50M	0.52M	-1.27M	0.05M	0.51M	0.47M	-7.84M	0.07M	3.10M	2.92M	0.44M
Interest income
Interest income - Loans (Quarter)	22.21M	20.82M	21.32M	26.28M	36.37M	38.23M	46.61M	55.17M	57.21M	61.56M	62.66M	62.75M	62.67M	62.15M	64.53M	63.97M	61.59M	61.95M	91.30M	90.92M
Interest income - Investments (Quarter)	0.12M	0.11M	0.11M	0.11M	0.15M	0.26M	0.26M	0.26M	0.28M	0.40M	0.60M	0.65M	0.64M	0.58M	0.50M	0.56M	0.47M	0.27M	0.38M	0.39M
Interest Income - Debt Securities (Quarter)	1.61M	1.83M	3.15M	-0.82M	5.17M	4.28M	9.12M	10.49M	10.73M	9.93M	8.95M	4.74M	8.09M	3.55M	9.11M	23.91M	3.65M	9.96M	9.87M	-9.49M
Interest Income - Deposits (Quarter)	0.09M	0.14M	0.20M	0.22M	0.27M	0.78M	0.66M	0.46M	0.58M	0.64M	0.66M	0.62M	0.61M	0.62M	0.62M	0.54M	0.99M	1.78M	1.25M	0.60M
Interest Income - Total (Quarter)	25.39M	24.19M	24.79M	30.79M	43.33M	47.39M	58.01M	67.75M	70.16M	73.89M	74.23M	73.70M	73.33M	73.22M	76.07M	75.28M	73.56M	75.24M	104.08M	102.30M
Interest expenses
Interest Expense - Deposits (Quarter)	0.50M	0.22M	0.33M	0.27M	0.40M	0.27M	0.34M	1.02M	1.15M	1.16M	2.56M	4.96M	4.04M	4.96M	4.86M	4.65M	4.83M	4.51M	10.90M	7.24M
Interest Expense - Debt (Quarter)	0.28M	0.52M	0.29M	0.07M	0.55M	0.55M	0.55M	0.55M	0.28M	0.28M	0.55M	0.55M	0.28M	0.29M	0.27M	0.29M	0.55M	0.29M	0.29M	-0.49M
Interest Expense - Fed Funds (Quarter)	0.03M	0.02M	0.01M	0.01M	0.01M	0.01M	0.01M	0.01M	0.01M	0.01M	0.03M	0.05M	0.09M	0.08M	0.09M	0.07M	0.07M	0.06M	0.06M	0.04M
Interest Expense - Others (Quarter)							0.04M	0.44M	2.35M	5.16M	5.84M	5.43M	4.56M	3.34M	4.18M	2.53M	0.02M		0.31M	1.64M
Interest Expenses (Quarter)	1.85M	2.24M	2.17M	2.19M	2.10M	2.12M	2.44M	3.65M	6.07M	10.31M	11.20M	12.46M	13.55M	13.53M	15.49M	13.70M	10.66M	11.00M	21.30M	19.25M
Interest Income - Net (Quarter)	23.54M	21.95M	22.62M	28.60M	41.23M	45.26M	55.57M	64.09M	64.09M	63.58M	63.03M	61.23M	59.78M	59.69M	60.58M	61.58M	62.90M	64.23M	82.78M	83.05M
Non-interest income
Interest Income - Total (Quarter)	26.54M	25.45M	24.12M	16.27M	41.23M	44.71M	51.07M	62.59M	60.59M	61.58M	60.03M	53.23M	56.28M	55.94M	58.58M	58.08M	60.50M	61.73M	63.12M	80.05M
Financial Services Fees (Quarter)
Service Charges (Quarter)
Investment Gain (Loss) (Quarter)		0.00M	0.24M	-0.01M		-0.03M	-0.00M	-0.91M	-1.68M	-1.55M	-0.92M	-0.00M	0.00M		-0.00M				-0.00M	0.01M
Investment Banking Income (Quarter)	3.72M	1.90M	2.19M	1.50M	1.50M	-0.26M	0.45M	0.34M	0.31M	0.40M	0.41M	0.37M	0.31M	0.47M	0.51M	0.52M	0.46M	0.55M	0.62M	0.66M
Income - Trust (Quarter)
Mortgage Banking (Quarter)
Card Income (Quarter)	1.45M	1.67M	1.62M	1.98M	2.57M	2.96M	2.65M	2.79M	2.24M	2.69M	2.61M	2.51M	2.38M	2.58M	2.59M	2.57M	2.41M	2.72M	2.74M	2.75M
Other Non-Interest Income (Quarter)	0.06M	0.30M	0.61M	0.08M	0.18M	0.19M	0.48M	0.13M	1.49M	0.10M	1.02M	-2.56M	0.19M	0.74M	0.30M	0.85M	0.17M	1.03M	0.55M	1.37M
Non-Interest Income (Quarter)	11.30M	7.92M	9.34M	10.70M	13.46M	9.21M	11.50M	8.95M	7.35M	8.22M	9.88M	8.73M	10.50M	11.13M	10.58M	11.61M	10.20M	10.90M	13.11M	12.15M
Operating Items
Amortization - Intangibles (Quarter)	0.12M	0.12M	1.27M	1.27M	0.67M	0.66M	0.66M	3.31M	0.62M	0.62M	0.62M	3.47M	0.58M	0.57M	0.57M	0.72M	1.04M	1.23M	1.24M	1.22M
Depreciation & Amortization - Total (Quarter)	2.47M	2.30M	2.42M	6.36M	3.70M	3.05M	4.12M	4.13M	3.48M	3.64M	3.51M	3.82M	3.93M	3.90M	3.88M	4.46M	4.55M	4.48M	4.94M	5.09M
Research & Development (Quarter)	1.30M	1.30M	1.48M	3.86M	6.27M	4.01M	2.54M	2.98M	1.77M	1.29M	1.92M	2.29M	2.25M	2.18M	2.38M	2.66M	2.35M	2.69M	4.00M	4.80M
Wages, Salaries and Other (Quarter)	13.51M	12.90M	12.96M	18.32M	19.97M	21.33M	21.01M	24.26M	22.25M	21.80M	23.11M	21.41M	24.31M	23.42M	24.68M	25.61M	26.99M	26.95M	39.72M	31.00M
Rent Expense (Quarter)
Other Operating Expenses (Quarter)	17.97M	17.79M	18.23M	28.30M	28.29M	30.20M	29.33M	32.58M	30.67M	29.90M	32.00M	30.92M	32.06M	31.79M	33.06M	37.21M	37.61M	36.25M	54.22M	43.05M
Operating Expenses (Quarter)	21.74M	21.40M	22.13M	38.51M	38.25M	37.25M	35.99M	39.68M	35.92M	34.83M	37.42M	37.03M	38.24M	37.88M	39.31M	44.32M	44.51M	43.42M	63.16M	52.94M
EBIT (Quarter)	17.95M	14.21M	13.50M	-9.35M	18.54M	18.80M	29.02M	35.51M	38.09M	45.28M	43.68M	37.40M	42.09M	42.72M	45.34M	39.07M	36.86M	40.22M	34.37M	58.52M
Net income details
EBT (Quarter)	16.11M	11.97M	11.33M	-11.54M	16.44M	16.68M	26.58M	31.85M	32.01M	34.97M	32.48M	24.94M	28.54M	29.19M	29.85M	25.37M	26.20M	29.21M	13.07M	39.27M
Tax Provisions (Quarter)	4.23M	3.15M	2.92M	-2.47M	4.42M	4.43M	7.05M	-2.67M	8.41M	9.41M	8.15M	6.71M	7.23M	7.30M	6.90M	6.26M	6.37M	7.39M	3.20M	8.89M
Profit After Tax (Quarter)	11.88M	8.82M	8.41M	-9.07M	12.02M	12.25M	19.52M	34.52M	23.61M	25.56M	24.34M	18.23M	21.31M	21.89M	22.95M	19.11M	19.83M	21.82M	9.87M	30.38M
Income from Continuing Operations (Quarter)	11.88M	8.82M	8.41M	-9.07M	12.02M	12.25M	19.52M	34.52M	23.61M	25.56M	24.34M	18.23M	21.31M	21.89M	22.95M	19.11M	19.83M	21.82M	9.87M	30.38M
Consolidated Net Income (Quarter)	11.88M	8.82M	8.41M	-9.07M	12.02M	12.25M	19.52M	34.52M	23.61M	25.56M	24.34M	18.23M	21.31M	21.89M	22.95M	19.11M	19.83M	21.82M	9.87M	30.38M
Income towards Parent Company (Quarter)	11.88M	8.82M	8.41M	-9.07M	12.02M	12.25M	19.52M	34.52M	23.61M	25.56M	24.34M	18.23M	21.31M	21.89M	22.95M	19.11M	19.83M	21.82M	9.87M	30.38M
Net Income towards Common Stockholders (Quarter)	11.88M	8.82M	8.41M	-9.07M	12.02M	12.25M	19.52M	23.61M	23.61M	25.56M	24.34M	18.23M	21.31M	21.89M	22.95M	19.11M	19.83M	21.82M	9.87M	28.79M
Additional items
EPS (Basic) (Quarter)	0.41	0.30	0.30	-0.35	0.27	0.28	0.43	0.53	0.53	0.57	0.55	0.40	0.48	0.48	0.52	0.42	0.44	0.49	0.19	0.56
EPS (Weighted Average and Diluted) (Quarter)	0.40	0.30	0.29	-0.34	0.27	0.27	0.43	0.52	0.52	0.56	0.54	0.40	0.47	0.48	0.50	0.42	0.43	0.48	0.18	0.56
Shares Outstanding (Weighted Average) (Quarter)	29.23M	29.04M	28.93M	30.21M	44.46M	44.50M	44.57M	44.53M	44.62M	44.64M	44.68M	44.66M	44.76M	44.80M	44.85M	44.83M	44.97M	45.05M	52.69M	48.88M
EBITDA (Quarter)	20.42M	16.52M	15.92M	-2.99M	22.24M	21.85M	33.13M	39.63M	41.56M	48.92M	47.19M	41.22M	46.02M	46.62M	49.22M	43.52M	41.41M	44.69M	39.30M	63.61M
Tax Rate (Quarter)	26.24%	26.33%	25.75%	21.42%	26.90%	26.56%	26.54%	-8.37%	26.26%	26.91%	25.09%	26.92%	25.33%	25.01%	23.11%	24.68%	24.31%	25.30%	24.46%	22.64%

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Old Second Bancorp Income Statement (2016-2025) | OSBC

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