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

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Income Statement Mar2016 Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Revenue & Cost
Provisions -0.30M1.15M0.75M2.27M-1.48M0.75M0.30M0.75M-0.72M1.45M18.28M0.45M0.45M0.55M0.15M7.98M2.13M1.28M-3.47M-3.50M-1.50M12.33M0.32M0.55M4.50M1.50M3.50M2.00M3.00M8.00M3.50M3.75M2.00M3.50M2.40M2.50M19.65M
Revenue 21.50M22.64M21.94M25.94M24.58M25.98M1.72M1.76M1.59M1.77M1.92M2.04M1.86M1.96M2.02M2.20M1.91M2.00M1.89M2.11M2.15M2.39M2.37M2.50M2.70M2.51M2.66M2.40M2.42M2.46M2.50M2.53M2.56M2.78M2.79M3.30M3.09M3.10M3.52M
Interest income
Interest income - Loans 13.06M13.04M13.50M16.43M16.61M17.39M18.21M18.54M18.73M22.51M23.38M24.14M24.10M24.92M25.11M23.59M23.60M22.35M21.98M23.00M22.21M20.82M21.32M26.28M36.37M38.23M46.61M55.17M57.21M61.56M62.66M62.75M62.67M62.15M64.53M63.97M61.59M61.95M91.30M
Interest income - Investments 0.08M0.08M0.08M0.08M0.09M0.09M0.09M0.10M0.11M0.11M0.78M-1.50M0.15M0.16M0.15M0.14M0.12M0.12M0.12M0.12M0.12M0.11M0.11M0.11M0.15M0.26M0.26M0.26M0.28M0.40M0.60M0.65M0.64M0.58M0.50M0.56M0.47M0.27M0.38M
Interest Income - Debt Securities 4.21M4.38M3.95M3.32M2.96M2.84M2.46M3.17M2.86M3.47M3.30M2.81M2.94M3.27M2.83M3.04M3.01M2.97M2.94M1.89M2.71M3.13M3.15M2.78M5.17M6.79M9.12M10.49M10.73M9.93M8.95M8.33M8.09M8.55M9.11M8.90M9.23M9.96M9.87M
Interest Income - Deposits 0.02M0.01M0.06M0.07M0.02M0.03M0.04M0.04M0.05M0.10M0.08M0.10M0.11M0.11M0.12M0.12M0.07M0.04M0.07M0.07M0.09M0.14M0.20M0.22M0.27M0.78M0.66M0.46M0.58M0.64M0.66M0.62M0.61M0.62M0.62M0.54M0.99M1.78M1.25M
Interest Income - Total 17.58M17.78M17.82M20.20M20.62M21.80M22.43M22.66M23.14M27.26M28.18M29.04M28.90M29.59M29.44M27.67M27.45M25.71M25.05M26.01M25.39M24.19M24.79M30.79M43.33M47.39M58.01M67.75M70.16M73.89M74.23M73.70M73.33M73.22M76.07M75.28M73.56M75.24M104.08M
Interest expenses
Interest Expense - Deposits 0.82M0.87M0.93M1.02M0.98M1.02M1.08M1.15M1.18M1.44M1.57M1.64M1.62M1.64M1.67M1.80M1.77M1.44M1.08M0.74M0.50M0.41M0.33M0.27M0.40M0.35M0.38M0.78M1.15M1.74M2.56M3.31M4.04M4.96M5.54M5.61M4.91M5.61M10.90M
Interest Expense - Debt 1.08M1.08M1.08M1.08M1.08M1.06M0.93M0.93M0.93M0.93M0.93M0.93M0.93M0.93M0.93M0.93M1.36M0.28M0.28M0.28M0.28M0.52M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M0.55M
Interest Expense - Fed Funds 0.00M0.00M0.01M0.08M0.10M0.14M0.14M0.15M0.15M0.14M0.15M0.12M0.02M0.03M0.04M0.03M0.02M0.01M0.01M0.01M0.01M0.01M0.01M0.01M0.01M0.03M0.05M0.09M0.08M0.09M0.07M0.07M0.06M0.06M
Interest Expense - Others 0.33M0.31M0.51M0.61M0.57M0.43M0.14M0.11M0.03M0.02M0.01M0.04M0.44M2.35M5.16M5.84M5.43M4.56M3.34M4.18M2.53M0.02M0.31M
Interest Expenses 2.36M2.42M2.48M2.69M3.07M3.14M3.14M3.28M3.53M4.02M4.44M4.70M4.86M4.83M4.66M4.48M4.79M3.00M2.54M2.13M1.85M2.24M2.17M2.19M2.10M2.12M2.44M3.65M6.07M10.31M11.20M12.46M13.55M13.53M15.49M13.70M10.66M11.00M21.30M
Interest Income - Net 15.22M15.36M15.35M17.51M17.55M18.66M19.28M19.39M19.62M23.24M23.74M24.34M24.04M24.75M24.78M23.19M22.66M22.71M22.51M23.88M23.54M21.95M22.62M28.60M41.23M45.26M55.57M64.09M64.09M63.58M63.03M61.23M59.78M59.69M60.58M61.58M62.90M64.23M82.78M
Non-interest income
Interest Income - Total 15.22M15.36M15.35M16.76M17.55M17.91M18.98M18.64M20.34M21.79M23.74M23.84M23.59M24.30M24.23M23.04M14.67M20.58M22.21M23.88M26.54M25.45M24.12M16.27M41.23M44.71M51.07M62.59M60.59M61.58M60.03M53.23M56.28M55.94M58.58M58.08M60.50M61.73M63.12M
Financial Services Fees 0.42M0.42M0.44M0.44M0.43M0.44M0.45M0.45M0.45M0.63M
Service Charges 1.56M1.65M1.76M1.72M1.62M1.61M1.72M1.76M1.59M1.77M
Investment Gain (Loss) -0.06M-1.96M-0.19M-0.14M-0.13M0.10M0.64M0.04M0.31M0.01M0.03M0.99M3.46M0.04M-0.02M-0.00M0.24M-0.01M-0.00M-0.91M-1.68M-1.55M-0.92M-0.00M0.00M-0.00M-0.00M
Investment Banking Income 1.21M1.64M2.18M1.31M1.15M1.47M1.09M1.09M0.92M1.24M0.96M0.67M0.76M1.16M2.07M1.11M2.25M4.63M5.25M3.40M3.72M1.90M2.19M1.50M1.50M-0.26M0.45M0.34M0.31M0.40M0.41M0.37M0.31M0.47M0.51M0.52M0.46M0.55M0.62M
Income - Trust 1.37M1.50M1.40M1.40M1.46M1.64M1.47M1.64M1.50M1.65M
Mortgage Banking 0.19M0.28M0.32M0.24M0.18M0.22M0.20M0.18M0.16M0.20M
Card Income 0.95M1.05M1.01M1.02M0.97M1.08M1.07M1.07M1.01M1.13M1.14M2.38M1.28M1.55M1.59M1.43M1.29M1.31M1.50M1.44M1.45M1.67M1.62M1.98M2.57M2.96M2.65M2.79M2.24M2.69M2.61M2.51M2.38M2.58M2.59M2.57M2.41M2.72M2.74M
Other Non-Interest Income 1.39M1.15M1.21M1.19M1.13M1.07M1.57M1.04M1.26M1.37M1.13M0.13M0.83M0.87M0.99M-0.40M1.40M0.53M0.45M0.81M0.45M0.58M0.61M0.69M0.86M0.92M2.17M1.29M1.49M0.77M1.02M0.91M1.03M0.74M1.59M0.85M1.04M1.03M1.54M
Non-Interest Income 6.28M7.28M6.59M8.43M7.03M7.32M7.84M8.18M8.51M8.53M7.81M6.50M6.48M8.14M11.93M9.24M6.32M10.70M11.69M8.79M11.30M7.92M9.34M10.70M13.46M9.21M11.50M8.95M7.35M8.22M9.88M8.73M10.50M11.13M10.58M11.61M10.20M10.90M13.11M
Operating Items
Amortization - Intangibles 0.18M0.22M0.18M0.26M0.91M1.65M1.63M1.75M2.06M2.11M2.06M2.10M0.13M2.14M1.72M1.47M1.46M1.40M1.33M1.29M1.31M1.26M1.27M1.27M1.32M1.30M1.33M1.34M1.34M1.34M1.33M1.32M1.31M1.29M1.29M1.27M1.26M1.23M1.25M
Depreciation & Amortization - Total 0.93M1.06M1.10M2.97M1.57M1.46M1.48M1.44M1.56M1.65M1.78M1.92M1.99M1.93M2.23M2.14M2.30M1.94M2.00M2.26M2.47M2.30M2.42M6.36M3.70M3.05M4.12M4.13M3.48M3.64M3.51M3.82M3.93M3.90M3.88M4.46M4.55M4.48M4.94M
Research & Development 1.09M1.11M1.08M1.10M1.34M2.74M1.25M1.41M1.33M1.52M1.49M1.28M1.33M1.25M1.23M1.33M1.30M1.30M1.48M3.86M6.27M4.01M2.54M2.98M1.77M1.29M1.92M2.29M2.25M2.18M2.38M2.66M2.35M2.69M4.00M
Wages, Salaries and Other 9.03M8.81M9.01M9.38M10.57M10.54M10.05M8.91M10.21M12.36M11.16M10.43M11.61M11.59M12.06M11.61M12.92M11.34M12.59M12.70M13.51M12.90M12.96M18.32M19.97M21.33M21.01M24.26M22.25M21.80M23.11M21.41M24.31M23.42M24.68M25.61M26.99M26.95M39.72M
Rent Expense 1.58M1.35M1.50M1.64M1.57M1.46M1.48M1.44M
Other Operating Expenses 13.76M14.29M13.98M12.61M13.83M13.95M12.87M12.21M14.45M17.89M15.68M15.44M15.87M16.68M16.23M16.40M17.37M15.71M17.04M17.66M17.97M17.79M18.23M28.30M28.29M30.20M29.33M32.58M30.67M29.90M32.00M30.92M32.06M31.79M33.06M37.21M37.61M36.25M54.22M
Operating Expenses 16.26M16.70M16.58M17.21M18.05M17.99M16.92M16.19M17.35M22.29M18.71M18.78M19.19M20.13M19.95M19.83M21.00M18.90M20.27M21.25M21.74M21.40M22.13M38.51M38.25M37.25M35.99M39.68M35.92M34.83M37.42M37.03M38.24M37.88M39.31M44.32M44.51M43.42M63.16M
EBIT 7.59M8.36M7.84M10.66M9.59M10.38M13.05M13.91M15.02M12.06M17.28M16.26M15.73M17.15M20.87M16.93M4.79M15.38M16.16M13.54M17.95M14.21M13.50M-9.35M18.54M18.80M29.02M35.51M38.09M45.28M43.68M37.40M42.09M42.72M45.34M39.07M36.86M40.22M34.37M
Net income details
EBT 5.23M5.94M5.36M7.97M6.52M7.24M9.91M10.63M11.49M8.04M12.84M11.57M10.87M12.32M16.21M12.45M-0.01M12.38M13.63M11.41M16.11M11.97M11.33M-11.54M16.44M16.68M26.58M31.85M32.01M34.97M32.48M24.94M28.54M29.19M29.85M25.37M26.20M29.21M13.07M
Tax Provisions 1.91M2.10M1.86M2.96M2.10M2.10M1.83M13.14M2.00M1.78M3.20M2.95M2.41M3.04M4.04M2.92M-0.28M3.14M3.36M3.36M4.23M3.15M2.92M-2.47M4.42M4.43M7.05M8.24M8.41M9.41M8.15M6.71M7.23M7.30M6.90M6.26M6.37M7.39M3.20M
Profit After Tax 3.32M3.85M3.50M5.02M4.57M5.46M8.08M-2.51M9.49M6.26M9.64M8.62M8.47M9.28M12.17M9.54M0.28M9.24M10.27M8.05M11.88M8.82M8.41M-9.07M12.02M12.25M19.52M23.61M23.61M25.56M24.34M18.23M21.31M21.89M22.95M19.11M19.83M21.82M9.87M
Income from Continuing Operations 3.32M3.85M3.50M5.02M4.43M5.15M8.08M-2.51M9.49M6.26M9.64M8.62M8.47M9.28M12.17M9.54M0.28M9.24M10.27M8.05M11.88M8.82M8.41M-9.07M12.02M12.25M19.52M23.61M23.61M25.56M24.34M18.23M21.31M21.89M22.95M19.11M19.83M21.82M9.87M
Consolidated Net Income 3.32M3.85M3.50M5.02M4.43M5.15M8.08M-2.51M9.49M6.26M9.64M8.62M8.47M9.28M12.17M9.54M0.28M9.24M10.27M8.05M11.88M8.82M8.41M-9.07M12.02M12.25M19.52M23.61M23.61M25.56M24.34M18.23M21.31M21.89M22.95M19.11M19.83M21.82M9.87M
Income towards Parent Company 3.32M3.85M3.50M5.02M4.43M5.15M8.08M-2.51M9.49M6.26M9.64M8.62M8.47M9.28M12.17M9.54M0.28M9.24M10.27M8.05M11.88M8.82M8.41M-9.07M12.02M12.25M19.52M23.61M23.61M25.56M24.34M18.23M21.31M21.89M22.95M19.11M19.83M21.82M9.87M
Net Income towards Common Stockholders 3.32M3.85M3.50M5.02M4.43M5.15M8.08M-2.51M9.49M6.26M9.64M8.62M8.47M9.28M12.17M9.54M0.28M9.24M10.27M8.05M11.88M8.82M8.41M-9.07M12.02M12.25M19.52M23.61M23.61M25.56M24.34M18.23M21.31M21.89M22.95M19.11M19.83M21.82M9.87M
Additional items
EPS (Basic) 0.110.130.120.170.150.170.27-0.090.320.210.320.290.280.310.410.320.010.310.350.270.410.300.30-0.350.270.280.430.530.530.570.550.400.480.480.520.420.440.490.19
EPS (Weighted Average and Diluted) 0.110.130.120.170.150.170.27-0.090.310.210.320.280.280.310.400.320.010.310.340.270.400.300.29-0.340.270.270.430.520.520.560.540.400.470.480.500.420.430.480.18
Shares Outstanding (Weighted Average) 29.48M29.55M29.55M29.55M29.56M29.58M29.63M29.63M29.69M29.75M29.75M29.76M29.89M29.90M29.90M29.90M30.02M29.68M29.59M29.36M29.13M28.86M28.71M28.71M44.46M44.46M44.56M44.57M44.67M44.67M44.68M44.70M44.80M44.85M44.85M44.85M45.05M45.06M52.65M
EBITDA 8.52M9.42M8.94M13.63M11.16M11.84M14.53M15.35M16.57M13.71M19.06M18.19M17.72M19.08M23.11M19.07M7.09M17.32M18.17M15.80M20.42M16.52M15.92M-2.99M22.24M21.85M33.13M39.63M41.56M48.92M47.19M41.22M46.02M46.62M49.22M43.52M41.41M44.69M39.30M
Tax Rate 36.51%35.27%34.71%37.06%32.13%28.94%18.48%17.41%22.11%24.92%25.47%22.13%24.70%24.90%23.42%25.36%24.68%29.47%26.24%26.33%25.75%21.42%26.90%26.56%26.54%25.86%26.26%26.91%25.09%26.92%25.33%25.01%23.11%24.68%24.31%25.30%24.46%