Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Cash Flow 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
Net Income	70.63	85.26	91.73	67.41	20.04	27.83
Depreciation & Amortization	11.3	9.16	7.7	6.89	3.8	3.29
Other Amortization	0.05	0.05	-	-	-	-
Gain (Loss) on Sale of Assets	-0.46	-0.42	-0.88	-2.18	-0.04	-0.2
Gain (Loss) on Sale of Investments	1.94	2.65	7.47	6.16	2.7	2.35
Total Asset Writedown	2.43	1.74	0.27	0.1	3.89	0.36
Provision for Credit Losses	28.05	12.75	16.5	6.55	4.33	10.41
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.19	0.81	0.1	5.17	15.2	4.16
Accrued Interest Receivable	3.14	4.14	-6.64	-1.11	6.87	-17.69
Change in Income Taxes	-3.71	5.99	-4.87	12.05	-9.29	0.81
Change in Other Net Operating Assets	-3.13	-3.62	-2.12	-0.72	-1.39	-1.23
Other Operating Activities	-11.95	-2.57	-1.49	-10.32	3.89	2.44
Operating Cash Flow	102.02	131.53	116.4	97.34	31.05	25.99
Operating Cash Flow Growth	-25.32%	13.00%	19.58%	213.54%	19.47%	-50.63%
Capital Expenditures	-5.77	-10.79	-12.38	-4.33	-2.03	-3.92
Sale of Property, Plant and Equipment	1.59	-	4.54	13.35	-	-
Cash Acquisitions	247.97	237.44	-	-0.15	149	-
Investment in Securities	159	44	378.37	9.18	-141.38	0.83
Net Decrease (Increase) in Loans Originated / Sold - Investing	-89.13	34.71	-197.57	-443.9	122.1	-103.89
Other Investing Activities	3.26	14.1	-13.42	-7.86	-0.59	-0.11
Investing Cash Flow	337.67	322.7	161.56	-432.78	132.92	-103.81
Short-Term Debt Issued	-	10.19	315	90	-	18.29
Long-Term Debt Issued	-	-	-	-	59.15	20
Total Debt Issued	112.29	10.19	315	90	59.15	38.29
Short-Term Debt Repaid	-	-385	-5.69	-18.18	-16.64	-48.5
Long-Term Debt Repaid	-	-	-54	-10.06	-4.32	-35.91
Total Debt Repaid	-327.37	-385	-59.69	-28.24	-20.96	-84.41
Net Debt Issued (Repaid)	-215.08	-374.81	255.31	61.76	38.19	-46.12
Repurchase of Common Stock	-7.63	-1.05	-0.61	-0.46	-10.42	-5.92
Common Dividends Paid	-11.24	-9.41	-8.95	-8.88	-4.61	-1.19
Total Dividends Paid	-11.24	-9.41	-8.95	-8.88	-4.61	-1.19
Net Increase (Decrease) in Deposit Accounts	-204.98	-69.78	-538.75	-353.93	235.08	410.32
Financing Cash Flow	-438.93	-455.05	-292.99	-301.5	258.24	357.09
Net Cash Flow	0.76	-0.82	-15.03	-636.93	422.2	279.27
Free Cash Flow	96.25	120.75	104.03	93.01	29.01	22.07
Free Cash Flow Growth	-22.27%	16.07%	11.84%	220.58%	31.49%	-54.28%
Free Cash Flow Margin	33.32%	44.42%	38.58%	38.32%	22.04%	18.58%
Free Cash Flow Per Share	2.02	2.65	2.29	2.06	0.94	0.73
Cash Interest Paid	55.28	55.28	38.45	10.2	8.12	12.35
Cash Income Tax Paid	23.03	23.03	35.67	11.23	10.59	7.92

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

SEC Filings: 10-K · 10-Q