The latest financial statement is for the year ending 2025-12-31.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 80,310 |
| Net premium / discount amortization on securities | -1,932 |
| Securities (gains)/losses, net | 7 |
| Provision for credit losses | 27,553 |
| Originations of loans held-for-sale | 85,717 |
| Proceeds from sales of loans held-for-sale | 84,919 |
| Net gains on sales of mortgage loans | 2,291 |
| Mortgage servicing rights mark to market loss | 1,918 |
| Net accretion of discount on loans | 3,079 |
| Net change in cash surrender value of boli | 3,197 |
| Net gains on sale of other real estate owned | 201 |
| Provision for other real estate owned valuation losses | 681 |
| Depreciation of fixed assets and amortization of leasehold improvements | 6,147 |
| Amortization of operating lease right-of-use asset | 562 |
| Net gains on disposal and transfer of fixed assets | 742 |
| Amortization of core deposit intangibles | 4,545 |
| Change in current income taxes receivable | 4,324 |
| Deferred tax expense (benefit) | 1,593 |
| Change in accrued interest receivable and other assets | -8,781 |
| Accretion of purchase accounting adjustment on time deposits | -837 |
| Amortization of junior subordinated debentures issuance costs | 1 |
| Change in accrued interest payable and other liabilities | -10,250 |
| Payments on operating lease payable | 231 |
| Stock based compensation | 5,550 |
| Net cash provided by operating activities | 122,264 |
| Proceeds from maturities and calls, including pay down of securities available-for-sale | 279,579 |
| Proceeds from sales of securities available-for-sale | 125,941 |
| Purchases of securities available-for-sale | 191,592 |
| Net (purchases) redemptions of fhlbc/frbc stock | 10,626 |
| Net change in loans | 75,837 |
| Purchases of boli policies | 1,050 |
| Proceeds from claims on boli, net of claims receivable | 433 |
| Proceeds from sales of other real estate owned, net of participations | 24,699 |
| Proceeds from disposition of premises and equipment | 2,248 |
| Net purchases of premises and equipment | 4,505 |
| Cash paid for acquisition, net of cash and cash equivalents retained | -10,529 |
| Net cash used in investing activities | 159,819 |
| Net change in deposits | -404,347 |
| Net change in securities sold under repurchase agreements | -12,888 |
| Net change in other short-term borrowings | 179,500 |
| Dividends paid on common stock | 12,240 |
| Purchase of treasury stock | 7,412 |
| Net cash used in financing activities | -257,387 |
| Net change in cash and cash equivalents | 24,696 |
| Cash and cash equivalents at beginning of year | 99,329 |
| Cash and cash equivalents at end of year | 124,025 |
OLD SECOND BANCORP INC (OSBC)
OLD SECOND BANCORP INC (OSBC)