Old Second Bancorp, Inc. (OSBC)
NASDAQ: OSBC · Real-Time Price · USD
16.29
+0.32 (2.00%)
May 2, 2025, 4:00 PM EDT - Market closed

Old Second Bancorp Income Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTM FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2015 - 2019
Period Ending
Mar '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Interest Income on Loans
252.34253.41244.28176.5190.7891.23
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Interest Income on Investments
45.844.4947.6939.9614.3912.99
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Total Interest Income
298.14297.9291.97216.47105.17104.22
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Interest Paid on Deposits
39.6838.0115.43.352.476.6
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Interest Paid on Borrowings
13.7118.2624.646.975.985.86
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Total Interest Expense
53.3856.2740.0410.328.4512.46
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Net Interest Income
244.76241.64251.93206.1696.7291.75
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Net Interest Income Growth (YoY)
-1.16%-4.09%22.20%113.16%5.41%-5.18%
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Trust Income
11.9511.439.89.899.417.91
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Mortgage Banking Activities
0.310.290.260.331.041.65
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Gain (Loss) on Sale of Investments
-0--4.15-0.940.23-0.03
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Other Non-Interest Income
17.8719.1716.9722.2613.876.87
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Total Non-Interest Income
42.6142.9134.1843.1239.2637.43
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Non-Interest Income Growth (YoY)
15.57%25.56%-20.73%9.82%4.89%7.16%
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Revenues Before Loan Losses
287.37284.55286.11249.27135.98129.18
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Provision for Loan Losses
11.6512.7516.56.554.3310.41
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Revenue
275.72271.8269.61242.72131.65118.77
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Revenue Growth (YoY)
2.88%0.81%11.08%84.37%10.85%-8.70%
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Salaries and Employee Benefits
96.7994.1184.9683.6156.2647.46
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Occupancy Expenses
13.1812.5611.4912.78.187.28
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Federal Deposit Insurance
2.52.542.712.40.980.6
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Amortization of Goodwill & Intangibles
2.92.442.462.630.640.49
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Selling, General & Administrative
22.4622.0517.8924.9417.3810.27
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Other Non-Interest Expense
24.1423.8225.2924.7716.3914.67
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Total Non-Interest Expense
166.01159.75145.2151.1799.9781.42
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EBT Excluding Unusual Items
109.71112.05124.4191.5531.6837.35
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Pretax Income
110.61112.96124.4191.5527.8737.41
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Income Tax Expense
26.8327.6932.6824.147.829.58
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Net Income
83.7885.2691.7367.4120.0427.83
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Net Income to Common
83.7885.2691.7367.4120.0427.83
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Net Income Growth
-6.32%-7.05%36.09%236.28%-27.96%-29.48%
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Basic Shares Outstanding
454545453030
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Diluted Shares Outstanding
464645453130
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Shares Change (YoY)
0.53%0.54%0.40%47.09%1.87%-0.80%
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EPS (Basic)
1.871.902.051.510.660.94
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EPS (Diluted)
1.831.872.021.490.650.92
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EPS Growth
-7.11%-7.43%35.57%129.23%-29.35%-29.23%
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Dividend Per Share
0.2200.2100.2000.2000.1600.040
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Dividend Growth
10.00%5.00%-25.00%300.00%-
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Effective Tax Rate
24.26%24.52%26.27%26.37%28.07%25.62%
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Updated Mar 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q