Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	84.38	91.73	67.41	20.04	27.83	39.46
Depreciation & Amortization	7.74	6.95	6.71	3.8	3.29	3
Other Amortization	-	-	-	-	-	0.16
Gain (Loss) on Sale of Assets	-0.27	-0.88	-2.18	-0.04	-0.2	-0.26
Gain (Loss) on Sale of Investments	2.93	7.47	6.16	2.7	2.35	-1.79
Total Asset Writedown	-	0.27	0.1	3.89	0.36	0.52
Provision for Credit Losses	17.25	16.5	6.55	4.33	10.41	1.6
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.9	0.1	5.17	15.2	4.16	3.78
Accrued Interest Receivable	9.1	-5.88	-0.94	6.87	-17.69	-6.35
Change in Income Taxes	-0.81	-4.87	12.05	-9.29	0.81	1.55
Change in Other Net Operating Assets	-3.39	-2.12	-0.72	-1.39	-1.23	-1.42
Other Operating Activities	3.73	-1.01	-10.13	3.89	2.44	8.13
Operating Cash Flow	136.62	116.4	97.34	31.05	25.99	52.64
Operating Cash Flow Growth	9.64%	19.58%	213.54%	19.47%	-50.63%	-4.13%
Capital Expenditures	-12.8	-12.38	-4.33	-2.03	-3.92	-4.38
Sale of Property, Plant and Equipment	0.08	4.54	13.35	-	-	0.03
Cash Acquisitions	-	-	-0.15	149	-	-
Investment in Securities	100.13	378.37	9.18	-141.38	0.83	73.51
Net Decrease (Increase) in Loans Originated / Sold - Investing	5.16	-197.57	-443.9	122.1	-103.89	-34.44
Other Investing Activities	5.81	-13.42	-7.86	-0.59	-0.11	4.71
Investing Cash Flow	100.44	161.56	-432.78	132.92	-103.81	42.21
Short-Term Debt Issued	-	315	90	-	18.29	2.06
Long-Term Debt Issued	-	-	-	59.15	20	-
Total Debt Issued	-2.6	315	90	59.15	38.29	2.06
Short-Term Debt Repaid	-	-5.69	-18.18	-16.64	-48.5	-101
Long-Term Debt Repaid	-	-54	-10.06	-4.32	-35.91	-8.8
Total Debt Repaid	-69.42	-59.69	-28.24	-20.96	-84.41	-109.8
Net Debt Issued (Repaid)	-72.03	255.31	61.76	38.19	-46.12	-107.74
Issuance of Common Stock	-	-	-	-	-	0.03
Repurchase of Common Stock	-0.79	-0.61	-0.46	-10.42	-5.92	-0.67
Common Dividends Paid	-8.96	-8.95	-8.88	-4.61	-1.19	-1.2
Total Dividends Paid	-8.96	-8.95	-8.88	-4.61	-1.19	-1.2
Net Increase (Decrease) in Deposit Accounts	-148.55	-538.75	-353.93	235.08	410.32	10.11
Financing Cash Flow	-230.32	-292.99	-301.5	258.24	357.09	-99.45
Net Cash Flow	6.73	-15.03	-636.93	422.2	279.27	-4.6
Free Cash Flow	123.82	104.03	93.01	29.01	22.07	48.26
Free Cash Flow Growth	7.93%	11.84%	220.58%	31.49%	-54.28%	-8.96%
Free Cash Flow Margin	46.89%	38.58%	38.32%	22.04%	18.58%	37.10%
Free Cash Flow Per Share	2.72	2.29	2.06	0.94	0.73	1.59
Cash Interest Paid	38.45	38.45	10.2	8.12	12.35	18.76
Cash Income Tax Paid	35.67	35.67	11.23	10.59	7.92	4.43

Source: S&P Capital IQ. Banks template. Financial Sources.