| Income Statement | 2025-09-30 | 2025-06-30 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Loans, including fees | 91,301 | 61,954 | 64,528 | 62,151 |
| Loans held-for-sale | 31 | 39 | 27 | 19 |
| Taxable | 9,872 | 9,959 | 9,113 | 8,552 |
| Tax exempt | 1,235 | 1,229 | 1,291 | 1,292 |
| Interest expense | - | - | 15,494 | 13,533 |
| Dividends from fhlbc and frbc stock | 381 | 273 | 497 | 584 |
| Interest bearing deposits with financial institutions | 1,255 | 1,784 | 616 | 625 |
| Total interest and dividend income | 104,075 | 75,238 | 76,072 | 73,223 |
| Savings, now, and money market deposits | 9,043 | 5,606 | 4,860 | 4,317 |
| Time deposits | 10,896 | 4,508 | 5,539 | 4,961 |
| Securities sold under repurchase agreements | 60 | 56 | 93 | 83 |
| Other short-term borrowings | 308 | - | 4,185 | 3,338 |
| Junior subordinated debentures | 288 | 288 | 270 | 288 |
| Subordinated debentures | 547 | 546 | 547 | 546 |
| Notes payable and other borrowings | 158 | - | - | - |
| Total interest expense | 21,300 | 11,004 | - | - |
| Net interest and dividend income | 82,775 | 64,234 | 60,578 | 59,690 |
| Provision for credit losses | 19,653 | 2,500 | 2,000 | 3,750 |
| Net interest and dividend income after provision for credit losses | 63,122 | 61,734 | 58,578 | 55,940 |
| Service charges on deposits-Fiduciary And Trust | 3,515 | 3,103 | - | - |
| Service charges on deposits-Deposit Account | 2,920 | 2,788 | - | - |
| Service charges on deposits-Mortgage Banking | 92 | 84 | - | - |
| Mortgage servicing rights mark to market loss | 389 | 531 | 964 | 238 |
| Service charges on deposits-Mortgage Servicing | 469 | 472 | - | - |
| Net gain on sales of mortgage loans | 620 | 550 | 507 | 468 |
| Securities losses, net | -1 | - | -1 | - |
| Change in cash surrender value of boli | 1,175 | 690 | 860 | 820 |
| Death benefit realized on boli | 430 | - | 12 | 893 |
| Fees and commissions, depositor accounts | - | - | 5,517 | 5,352 |
| Card related income | 2,739 | 2,716 | 2,589 | 2,577 |
| Other income | 1,539 | 1,026 | 1,595 | 742 |
| Total noninterest income | 13,109 | 10,898 | 10,581 | 11,127 |
| Salaries and employee benefits | 39,723 | 26,950 | 24,676 | 23,424 |
| Occupancy, furniture and equipment | 4,937 | 4,477 | 3,876 | 3,899 |
| Computer and data processing | 4,002 | 2,692 | 2,375 | 2,184 |
| Fdic insurance | 854 | 642 | 632 | 616 |
| Net teller & bill paying | 691 | 670 | 570 | 578 |
| General bank insurance | 437 | 328 | 320 | 312 |
| Amortization of core deposit intangible | 1,251 | 1,022 | 570 | 574 |
| Advertising expense | 545 | 320 | 299 | 472 |
| Card related expense | 1,708 | 1,489 | 1,458 | 1,323 |
| Legal fees | 432 | 388 | 202 | 238 |
| Consulting & management fees | 2,471 | 527 | 480 | 797 |
| Other real estate expense, net | 128 | 35 | 242 | -87 |
| Other expense | 5,984 | 3,879 | 3,608 | 3,547 |
| Total noninterest expense | 63,163 | 43,419 | 39,308 | 37,877 |
| Income before income taxes | 13,068 | 29,213 | 29,851 | 29,190 |
| Provision for income taxes | 3,197 | 7,391 | 6,900 | 7,299 |
| Net income | 9,871 | 21,822 | 22,951 | 21,891 |
| Earnings per share, basic | 0.19 | 0.49 | 0.52 | 0.48 |
| Earnings per share, diluted | 0.18 | 0.48 | 0.5 | 0.48 |
| Weighted average number of shares outstanding, basic | 52,686,391 | 45,053,650 | 44,850,325 | 44,846,848 |
| Weighted average number of shares outstanding, diluted | 53,509,690 | 45,839,465 | 45,679,140 | 45,682,239 |
OLD SECOND BANCORP INC (OSBC)
OLD SECOND BANCORP INC (OSBC)