Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	278.94	253.41	244.28	176.51	90.78	91.23
Interest Income on Investments	49.21	44.49	47.69	39.96	14.39	12.99
Total Interest Income	328.16	297.9	291.97	216.47	105.17	104.22
Interest Paid on Deposits	50.05	38.01	15.4	3.35	2.47	6.6
Interest Paid on Borrowings	6.61	18.26	24.64	6.97	5.98	5.86
Total Interest Expense	56.66	56.27	40.04	10.32	8.45	12.46
Net Interest Income	271.5	241.64	251.93	206.16	96.72	91.75
Net Interest Income Growth (YoY)	12.52%	-4.09%	22.20%	113.16%	5.41%	-5.18%
Trust Income	13.01	11.43	9.8	9.89	9.41	7.91
Mortgage Banking Activities	0.34	0.29	0.26	0.33	1.04	1.65
Gain (Loss) on Sale of Investments	-0	-	-4.15	-0.94	0.23	-0.03
Other Non-Interest Income	18.81	19.17	16.97	22.26	13.87	6.87
Total Non-Interest Income	45.39	42.91	34.18	43.12	39.26	37.43
Non-Interest Income Growth (YoY)	13.38%	25.56%	-20.73%	9.82%	4.89%	7.16%
Revenues Before Loan Losses	316.89	284.55	286.11	249.27	135.98	129.18
Provision for Loan Losses	28.05	12.75	16.5	6.55	4.33	10.41
Revenue	288.83	271.8	269.61	242.72	131.65	118.77
Revenue Growth (YoY)	9.38%	0.81%	11.08%	84.37%	10.85%	-8.70%
Salaries and Employee Benefits	114.36	94.11	84.96	83.61	56.26	47.46
Occupancy Expenses	14.82	12.56	11.49	12.7	8.18	7.28
Federal Deposit Insurance	2.75	2.54	2.71	2.4	0.98	0.6
Amortization of Goodwill & Intangibles	4.03	2.44	2.46	2.63	0.64	0.49
Selling, General & Administrative	27.79	22.05	17.89	24.94	17.38	10.27
Other Non-Interest Expense	27.61	23.82	25.29	24.77	16.39	14.67
Total Non-Interest Expense	195.41	159.75	145.2	151.17	99.97	81.42
EBT Excluding Unusual Items	93.42	112.05	124.41	91.55	31.68	37.35
Pretax Income	93.85	112.96	124.41	91.55	27.87	37.41
Income Tax Expense	23.22	27.69	32.68	24.14	7.82	9.58
Net Income	70.63	85.26	91.73	67.41	20.04	27.83
Net Income to Common	70.63	85.26	91.73	67.41	20.04	27.83
Net Income Growth	-16.29%	-7.05%	36.09%	236.28%	-27.96%	-29.48%
Basic Shares Outstanding	47	45	45	45	30	30
Diluted Shares Outstanding	48	46	45	45	31	30
Shares Change (YoY)	4.68%	0.54%	0.40%	47.09%	1.87%	-0.80%
EPS (Basic)	1.51	1.90	2.05	1.51	0.66	0.94
EPS (Diluted)	1.48	1.87	2.02	1.49	0.65	0.92
EPS Growth	-20.17%	-7.43%	35.57%	129.23%	-29.35%	-29.23%
Dividend Per Share	0.240	0.210	0.200	0.200	0.160	0.040
Dividend Growth	20.00%	5.00%	-	25.00%	300.00%	-
Effective Tax Rate	24.74%	24.52%	26.27%	26.37%	28.07%	25.62%

Updated Oct 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q