The latest financial statement is for the quarter ending 2025-09-30.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 9,871 | 41,652 |
| Net premium / discount amortization on securities | -482 | -916 |
| Securities losses, net | -1 | - |
| Provision for credit losses | 19,653 | 4,900 |
| Originations of loans held-for-sale | 19,176 | 36,371 |
| Proceeds from sales of loans held-for-sale | 21,255 | 35,369 |
| Net gains on sales of mortgage loans | 620 | 1,014 |
| Mortgage servicing rights mark to market loss | 389 | 1,101 |
| Net accretion of discount on loans | 1,263 | 508 |
| Net change in cash surrender value of boli | 1,175 | 1,188 |
| Net losses (gains) on sale of other real estate owned | 0 | -160 |
| Provision for other real estate owned valuation losses | 70 | 611 |
| Depreciation of fixed assets and amortization of leasehold improvements | 1,621 | 2,843 |
| Amortization of operating lease right-of-use asset | 549 | 524 |
| Net gains on disposal and transfer of fixed assets | 457 | - |
| Amortization of core deposit intangibles | 1,251 | 2,059 |
| Change in current income taxes receivable | -1,873 | -2,695 |
| Deferred tax (benefit) expense | -12,979 | 6,224 |
| Change in accrued interest receivable and other assets | -3,767 | 648 |
| Accretion of purchase accounting adjustment on time deposits | -242 | -367 |
| Amortization of junior subordinated debentures issuance costs | 0 | 1 |
| Change in accrued interest payable and other liabilities | 13,209 | -13,136 |
| Payments on operating lease payable | -52 | 881 |
| Stock based compensation | 1,556 | 2,531 |
| Net cash provided by operating activities | 35,941 | 42,083 |
| Proceeds from maturities and calls, including pay down of securities available-for-sale | 41,089 | 159,559 |
| Proceeds from sales of securities available-for-sale | 125,892 | - |
| Purchases of securities available-for-sale | 21,241 | 162,517 |
| Net (purchases) redemptions of fhlbc/frbc stock | 7,237 | -354 |
| Net change in loans | 58,017 | 27,341 |
| Purchases of boli policies | 0 | 460 |
| Proceeds from claims on boli, net of claims receivable | 433 | - |
| Proceeds from sales of other real estate owned, net of participations | 0 | 19,349 |
| Proceeds from disposition of premises and equipment | 1,593 | - |
| Net purchases of premises and equipment | 1,226 | 2,398 |
| Cash received from acquisition, net | -10,501 | -28 |
| Net cash provided by investing activities | 91,787 | -13,426 |
| Net change in deposits | -270,469 | 30,075 |
| Net change in securities sold under repurchase agreements | -22,962 | 10,595 |
| Net change in other short-term borrowings | 149,500 | -20,000 |
| Dividends paid on common stock | 3,155 | 5,397 |
| Purchase of treasury stock | 5,884 | 1,492 |
| Net cash used in financing activities | -152,970 | 13,781 |
| Net change in cash and cash equivalents | -25,242 | 42,438 |
| Cash and cash equivalents at beginning of period | 99,329 | - |
| Cash and cash equivalents at end of period | 116,525 | - |
OLD SECOND BANCORP INC (OSBC)
OLD SECOND BANCORP INC (OSBC)