Old Second Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	124.03	99.33	100.15	115.18	752.11
Investment Securities	642.44	692.81	693.92	880.6	848.36
Trading Asset Securities	-	5.58	5.38	6.59	4
Mortgage-Backed Securities	448.09	468.89	498.91	658.76	845.27
Total Investments	1,091	1,167	1,198	1,546	1,698
Gross Loans	5,252	3,981	4,043	3,870	3,421
Allowance for Loan Losses	-72.3	-43.62	-44.26	-49.48	-44.28
Net Loans	5,180	3,938	3,999	3,820	3,377
Property, Plant & Equipment	86.65	87.31	79.31	72.36	88.01
Goodwill	129.2	93.26	86.48	86.48	86.33
Other Intangible Assets	23.69	22.03	11.22	13.68	16.3
Loans Held for Sale	3.65	1.56	1.32	0.49	4.74
Accrued Interest Receivable	-	24.6	27.1	22.7	13.5
Other Current Assets	-	1.4	1	4.6	-
Long-Term Deferred Tax Assets	31.28	26.62	31.08	44.75	6.1
Other Real Estate Owned & Foreclosed	2.79	21.62	5.12	1.56	2.36
Other Long-Term Assets	199.03	162.11	164.67	154.82	161.53
Total Assets	6,903	5,649	5,723	5,888	6,212
Interest Bearing Deposits	3,857	2,668	2,474	2,861	3,171
Institutional Deposits	-	396.15	261.87	197.9	207.51
Non-Interest Bearing Deposits	1,739	1,705	1,835	2,052	2,088
Total Deposits	5,596	4,769	4,571	5,111	5,466
Short-Term Borrowings	238.77	59.85	439.79	134.42	57.15
Current Portion of Long-Term Debt	-	-	-	9	8
Long-Term Debt	74.38	59.47	59.38	103.88	114.77
Trust Preferred Securities	25.77	25.77	25.77	25.77	25.77
Other Long-Term Liabilities	70.92	64.52	49.82	43.38	38.25
Total Liabilities	6,006	4,978	5,146	5,427	5,710
Common Stock	53.02	44.91	44.71	44.71	44.71
Additional Paid-In Capital	341.45	205.28	202.22	202.28	202.44
Retained Earnings	537.23	469.17	393.31	310.51	252.01
Treasury Stock	-6.19	-0.58	-0.18	-3.23	-5.9
Comprehensive Income & Other	-28.74	-47.75	-62.78	-93.12	8.77
Shareholders' Equity	896.77	671.03	577.28	461.14	502.03
Total Liabilities & Equity	6,903	5,649	5,723	5,888	6,212
Total Debt	338.92	145.09	524.95	273.08	205.69
Net Cash (Debt)	-214.9	-40.18	-419.42	-151.31	550.42
Net Cash Growth	-	-	-	-	230.68%
Net Cash Per Share	-4.33	-0.88	-9.24	-3.35	17.91
Filing Date Shares Outstanding	52.67	45.05	44.8	44.67	44.46
Total Common Shares Outstanding	52.67	44.87	44.7	44.58	44.46
Book Value Per Share	17.03	14.95	12.92	10.34	11.29
Tangible Book Value	743.88	555.74	479.59	360.99	399.39
Tangible Book Value Per Share	14.12	12.38	10.73	8.10	8.98

Source: S&P Global Market Intelligence. Banks template. Financial Sources.