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Cash Flow
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Balance Sheet
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Cash Flow Overview
Free Cash flow
$27,918K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net change in other short-term b...
Proceeds from maturities and cal...
Proceeds from sales of loans hel...
Others
Negative Cash Flow Breakdown
Net change in deposits
Net change in loans
Originations of loans held-for-s...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
28,179
25,585
28,787
9,871
Net premium / discount amortization on securities
-399
-475
-534
-482
Securities (gains)/losses, net
-
-
8
-1
Provision for credit losses
7,500
9,500
3,000
19,653
Originations of loans held-for-sale
30,158
22,950
30,170
19,176
Proceeds from sales of loans held-for-sale
32,400
22,525
28,295
21,255
Net gains on sales of mortgage loans
640
555
657
620
Mortgage servicing rights mark to market loss
152
152
428
389
Net accretion of purchase accounting adjustments and other discounts on loans
278
175
1,308
1,263
Net change in cash surrender value of boli
1,469
1,082
834
1,175
Net gains on sale of other real estate owned
-
-
201
-
Net (gains) losses on sale of other real estate owned
0
258
-
0
Provision for other real estate owned valuation losses
10
-
0
70
Depreciation of fixed assets and amortization of leasehold improvements
1,734
1,698
1,683
1,621
Amortization of operating lease right-of-use asset
-
-
-511
549
Net gains on disposal and transfer of fixed assets
-
-
285
457
Change in operating lease right-of-use asset
516
512
-
-
Amortization of core deposit intangibles
1,167
1,176
1,235
1,251
Change in current income taxes
-16,858
7,114
8,892
-1,873
Deferred tax expense
2,929
871
8,348
-12,979
Change in accrued interest receivable and other assets
-3,487
-2,187
-5,662
-3,767
Accretion of purchase accounting adjustment on time deposits
-24
-25
-228
-242
Amortization of junior subordinated debentures issuance costs
-
-
0
0
Change in accrued interest payable and other liabilities
-1,446
-10,991
-10,323
13,209
Payments on operating lease payable
-
-
-598
-52
Change in operating lease payable
607
602
-
-
Stock based compensation
1,410
1,442
1,463
1,556
Net cash provided by operating activities
28,585
36,939
44,240
35,941
Proceeds from maturities and calls, including pay down of securities available-for-sale
82,162
78,204
78,931
41,089
Proceeds from sales of securities available-for-sale
-
-
49
125,892
Purchases of securities available-for-sale
9,141
106,886
7,834
21,241
Net (purchases) redemptions of fhlbc/frbc stock
8,775
-675
3,743
7,237
Net change in loans
69,601
-56,762
-9,521
58,017
Purchases of boli policies
461
-
590
0
Proceeds from claims on boli, net of claims receivable
-
-
0
433
Proceeds from sales of other real estate owned, net of participations
0
1,525
5,350
0
Proceeds from disposition of premises and equipment
0
76
655
1,593
Net purchases of premises and equipment
667
769
881
1,226
Cash paid for acquisition, net of cash and cash equivalents retained
-
-
0
-10,501
Net cash provided by (used in) investing activities
-6,483
29,587
81,458
91,787
Net change in deposits
-120,287
-31,045
-163,953
-270,469
Net change in securities sold under repurchase agreements
111
-639
-521
-22,962
Net change in other short-term borrowings
175,000
-15,000
50,000
149,500
Redemption of subordinated debentures
30,000
-
-
-
Vesting of restricted stock, net of excise taxes
51
-
-
-
Dividends paid on common stock
3,618
3,686
3,688
3,155
Purchase of treasury stock
15,753
24,454
36
5,884
Net cash (used in) provided by financing activities
5,504
-74,824
-118,198
-152,970
Net change in cash and cash equivalents
27,606
-8,298
7,500
-25,242
Cash and cash equivalents at beginning of period
115,727
124,025
116,525
99,329
Cash and cash equivalents at end of period
143,333
115,727
124,025
116,525
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Proceeds from sales of
loans held-for-sale
$32,400K
(-8.39%↓ Y/Y)
Net change in other
short-term borrowings
$175,000K
(975.00%↑ Y/Y)
Net income
$28,179K
(-32.35%↓ Y/Y)
Provision for credit
losses
$7,500K
(53.06%↑ Y/Y)
Change in accrued
interest receivable and...
-$3,487K
(-638.12%↓ Y/Y)
Deferred tax expense
$2,929K
(-52.94%↓ Y/Y)
Depreciation of fixed assets
and amortization of...
$1,734K
(-39.01%↓ Y/Y)
Stock based
compensation
$1,410K
(-44.29%↓ Y/Y)
Amortization of core deposit
intangibles
$1,167K
(-43.32%↓ Y/Y)
Change in operating
lease payable
$607K
Net premium /
discount amortization on...
-$399K
(56.44%↑ Y/Y)
Mortgage servicing
rights mark to market...
$152K
(-86.19%↓ Y/Y)
Provision for other real
estate owned valuation...
$10K
(-98.36%↓ Y/Y)
Net change in
securities sold under...
$111K
(-98.95%↓ Y/Y)
Vesting of restricted
stock, net of excise...
$51K
Net cash provided by
operating activities
$28,585K
(-32.07%↓ Y/Y)
Net cash (used in)
provided by financing...
$5,504K
(-60.06%↓ Y/Y)
Canceled cashflow
$51,389K
Canceled cashflow
$169,658K
Net change in cash
and cash...
$27,606K
(-34.95%↓ Y/Y)
Canceled cashflow
$6,483K
Originations of loans
held-for-sale
$30,158K
(-17.08%↓ Y/Y)
Change in current
income taxes
-$16,858K
(-525.53%↓ Y/Y)
Net change in cash
surrender value of boli
$1,469K
(23.65%↑ Y/Y)
Change in accrued
interest payable and...
-$1,446K
(88.99%↑ Y/Y)
Net gains on sales of
mortgage loans
$640K
(-36.88%↓ Y/Y)
Change in operating
lease right-of-use...
$516K
Net accretion of
purchase accounting...
$278K
(-45.28%↓ Y/Y)
Accretion of purchase
accounting adjustment on...
-$24K
(93.46%↑ Y/Y)
Proceeds from maturities
and calls,...
$82,162K
(-48.51%↓ Y/Y)
Net change in
deposits
-$120,287K
(-499.96%↓ Y/Y)
Redemption of subordinated
debentures
$30,000K
Purchase of treasury
stock
$15,753K
(955.83%↑ Y/Y)
Dividends paid on common
stock
$3,618K
(-32.96%↓ Y/Y)
Net cash provided by
(used in) investing...
-$6,483K
(51.71%↑ Y/Y)
Canceled cashflow
$82,162K
Net change in loans
$69,601K
(154.57%↑ Y/Y)
Purchases of securities
available-for-sale
$9,141K
(-94.38%↓ Y/Y)
Net (purchases)
redemptions of fhlbc/frbc...
$8,775K
(2578.81%↑ Y/Y)
Net purchases of
premises and equipment
$667K
(-72.19%↓ Y/Y)
Purchases of boli policies
$461K
(0.22%↑ Y/Y)
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OLD SECOND BANCORP INC (OSBC)
OLD SECOND BANCORP INC (OSBC)