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Income Statement
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Balance Sheet
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Income Overview
Net Income
$28,179K
EPS
$0.54
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Service charges on deposits-Fiduciary And Trust
3,628
3,383
3,961*
3,515
Service charges on deposits-Deposit Account
3,075
3,126
2,720*
2,920
Service charges on deposits-Mortgage Banking
166
121
108*
92
Service charges on deposits-Mortgage Servicing
464
497
454*
469
Mortgage servicing rights mark to market loss
152
152
538*
389
Net gain on sales of mortgage loans
640
555
536*
620
Securities gains (losses), net
-
-
10*
-1
Change in cash surrender value of boli
1,469
1,082
400*
1,175
Death benefit realized on boli
-
-
-860*
430
Card related income
2,483
2,354
2,437*
2,739
Other income
1,488
1,664
1,126*
1,539
Total noninterest income
13,261
12,630
10,352*
13,109
Loans, including fees
89,845
87,138
75,894*
91,301
Loans held-for-sale
62
43
22*
31
Taxable
9,088
8,949
8,448*
9,872
Tax exempt
1,132
1,155
1,247*
1,235
Dividends from fhlbc and frbc stock
535
512
536*
381
Interest bearing deposits with financial institutions
527
549
67*
1,255
Total interest and dividend income
101,189
98,346
86,213*
104,075
Savings, now, and money market deposits
7,512
7,147
5,495*
9,043
Time deposits
6,199
7,217
6,491*
10,896
Securities sold under repurchase agreements
40
50
55*
60
Other short-term borrowings
2,989
1,791
1,045*
308
Junior subordinated debentures
289
296
288*
288
Subordinated debentures
675
546
546*
547
Notes payable and other borrowings
156
155
-158*
158
Total interest expense
17,860
17,202
13,761*
21,300
Net interest and dividend income
83,329
81,144
72,452*
82,775
Provision for credit gaines
7,500
9,500
-5,676*
19,653
Net interest and dividend income after provision for credit losses
75,829
71,644
78,128*
63,122
Salaries and employee benefits
30,103
29,673
24,653*
39,723
Occupancy, furniture and equipment
5,118
5,371
4,933*
4,937
Computer and data processing
3,217
3,375
3,799*
4,002
Fdic insurance
759
759
600*
854
Net teller & bill paying
724
716
679*
691
General bank insurance
351
353
302*
437
Amortization of core deposit intangible
1,167
1,176
1,136*
1,251
Advertising expense
-
-
34*
545
Advertising and marketing expense
483
551
-
-
Card related expense
1,604
1,519
1,434*
1,708
Legal fees
-
-
494*
432
Professional fees
1,160
1,299
-
-
Consulting & management fees
-
-
-555*
2,471
Consumer credit expense
1,720
1,522
-
-
Other real estate expense, net
52
-186
1,873*
128
Other expense
4,794
4,082
4,771*
5,984
Total noninterest expense
51,252
50,210
44,149*
63,163
Income before income taxes
37,838
34,064
44,330*
13,068
Provision for income taxes
9,659
8,479
11,559*
3,197
Net income
28,179
25,585
32,771
9,871
Basic EPS
0.55
0.49
0.67
0.19
Diluted EPS
0.54
0.48
0.66
0.18
Basic Average Shares
51,250,245
52,450,306
48,886,579
52,686,391
Diluted Average Shares
52,120,337
53,303,072
49,659,462
53,509,690
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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Income Statement
Loans, including fees
$89,845K
(45.02%↑ Y/Y)
Taxable
$9,088K
(-8.75%↓ Y/Y)
Tax exempt
$1,132K
(-7.89%↓ Y/Y)
Dividends from fhlbc and
frbc stock
$535K
(95.97%↑ Y/Y)
Interest bearing
deposits with financial...
$527K
(-70.46%↓ Y/Y)
Loans held-for-sale
$62K
(58.97%↑ Y/Y)
Total interest and
dividend income
$101,189K
(34.49%↑ Y/Y)
Net interest and
dividend income
$83,329K
(29.73%↑ Y/Y)
Service charges on
deposits-Fiduciary And Trust
$3,628K
(16.92%↑ Y/Y)
Service charges on
deposits-Deposit Account
$3,075K
(10.29%↑ Y/Y)
Card related income
$2,483K
(-8.58%↓ Y/Y)
Other income
$1,488K
(45.03%↑ Y/Y)
Change in cash
surrender value of boli
$1,469K
(112.90%↑ Y/Y)
Net gain on sales of
mortgage loans
$640K
(16.36%↑ Y/Y)
Service charges on
deposits-Mortgage Servicing
$464K
(-1.69%↓ Y/Y)
Service charges on
deposits-Mortgage Banking
$166K
(97.62%↑ Y/Y)
Total interest
expense
$17,860K
(62.30%↑ Y/Y)
Net interest and
dividend income after...
$75,829K
(22.83%↑ Y/Y)
Total noninterest
income
$13,261K
(21.68%↑ Y/Y)
Provision for credit
gaines
$7,500K
(200.00%↑ Y/Y)
Mortgage servicing
rights mark to market...
$152K
(-71.37%↓ Y/Y)
Savings, now, and money
market deposits
$7,512K
(34.00%↑ Y/Y)
Time deposits
$6,199K
(37.51%↑ Y/Y)
Other short-term
borrowings
$2,989K
Subordinated debentures
$675K
(23.63%↑ Y/Y)
Junior subordinated
debentures
$289K
(0.35%↑ Y/Y)
Notes payable and
other borrowings
$156K
Securities sold under
repurchase agreements
$40K
(-28.57%↓ Y/Y)
Income before income
taxes
$37,838K
(29.52%↑ Y/Y)
Total noninterest
expense
$51,252K
(18.04%↑ Y/Y)
Net income
$28,179K
(29.13%↑ Y/Y)
Provision for income taxes
$9,659K
(30.69%↑ Y/Y)
Salaries and employee
benefits
$30,103K
(11.70%↑ Y/Y)
Occupancy, furniture and
equipment
$5,118K
(14.32%↑ Y/Y)
Other expense
$4,794K
(23.59%↑ Y/Y)
Computer and data
processing
$3,217K
(19.50%↑ Y/Y)
Consumer credit expense
$1,720K
Card related expense
$1,604K
(7.72%↑ Y/Y)
Amortization of core deposit
intangible
$1,167K
(14.19%↑ Y/Y)
Professional fees
$1,160K
Fdic insurance
$759K
(18.22%↑ Y/Y)
Net teller & bill
paying
$724K
(8.06%↑ Y/Y)
Advertising and marketing
expense
$483K
General bank insurance
$351K
(7.01%↑ Y/Y)
Other real estate
expense, net
$52K
(48.57%↑ Y/Y)
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OLD SECOND BANCORP INC (OSBC)
OLD SECOND BANCORP INC (OSBC)