For the quarter ending 2025-09-30, OSBC made $202,037K in revenue. $9,871K in net income. Net profit margin of 4.89%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 91,301 | 61,954 | 63,320 | 64,528 |
| Total interest expense | - | - | 13,621 | 15,494 |
| Loans held-for-sale | 31 | 39 | 24 | 27 |
| Taxable | 9,872 | 9,959 | 8,496 | 9,113 |
| Tax exempt | 1,235 | 1,229 | 1,291 | 1,291 |
| Dividends from fhlbc and frbc stock | 381 | 273 | 599 | 497 |
| Interest bearing deposits with financial institutions | 1,255 | 1,784 | 576 | 616 |
| Total interest and dividend income | 104,075 | 75,238 | 74,305 | 76,072 |
| Savings, now, and money market deposits | 9,043 | 5,606 | 4,345 | 4,860 |
| Time deposits | 10,896 | 4,508 | 4,824 | 5,539 |
| Securities sold under repurchase agreements | 60 | 56 | 81 | 93 |
| Other short-term borrowings | 308 | - | 3,542 | 4,185 |
| Junior subordinated debentures | 288 | 288 | 285 | 270 |
| Subordinated debentures | 547 | 546 | 546 | 547 |
| Notes payable and other borrowings | 158 | - | - | - |
| Total interest expense | 21,300 | 11,004 | - | - |
| Net interest and dividend income | 82,775 | 64,234 | 60,684 | 60,578 |
| Provision for credit losses | 19,653 | 2,500 | 3,500 | 2,000 |
| Net interest and dividend income after provision for credit losses | 63,122 | 61,734 | 57,184 | 58,578 |
| 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 | -239 | 964 |
| Service charges on deposits-Mortgage Servicing | 469 | 472 | - | - |
| Net gain on sales of mortgage loans | 620 | 550 | 415 | 507 |
| Securities losses, net | -1 | - | - | -1 |
| Change in cash surrender value of boli | 1,175 | 690 | 2,779 | 860 |
| Death benefit realized on boli | 430 | - | 0 | 12 |
| Service charges on deposits | - | - | 5,392 | 5,517 |
| Card related income | 2,739 | 2,716 | 1,291 | 2,589 |
| Other income | 1,539 | 1,026 | 941 | 1,595 |
| Total noninterest income | 13,109 | 10,898 | 11,056 | 10,581 |
| Salaries and employee benefits | 39,723 | 26,950 | 24,963 | 24,676 |
| Occupancy, furniture and equipment | 4,937 | 4,477 | 4,192 | 3,876 |
| Computer and data processing | 4,002 | 2,692 | 2,457 | 2,375 |
| Fdic insurance | 854 | 642 | 648 | 632 |
| Net teller & bill paying | 691 | 670 | 548 | 570 |
| General bank insurance | 437 | 328 | 318 | 320 |
| Amortization of core deposit intangible | 1,251 | 1,022 | 648 | 570 |
| Advertising expense | 545 | 320 | 236 | 299 |
| Card related expense | 1,708 | 1,489 | 1,387 | 1,458 |
| Legal fees | 432 | 388 | 443 | 202 |
| Consulting & management fees | 2,471 | 527 | 610 | 480 |
| Other real estate expense, net | 128 | 35 | 1,033 | 242 |
| Other expense | 5,984 | 3,879 | 3,801 | 3,608 |
| Total noninterest expense | 63,163 | 43,419 | 41,282 | 39,308 |
| Income before income taxes | 13,068 | 29,213 | 26,958 | 29,851 |
| Provision for income taxes | 3,197 | 7,391 | 6,747 | 6,900 |
| Net income | 9,871 | 21,822 | 20,211 | 22,951 |
| Earnings per share, basic | 0.19 | 0.49 | 0.45 | 0.52 |
| Earnings per share, diluted | 0.18 | 0.48 | 0.445 | 0.5 |
| Weighted average number of shares outstanding, basic | 52,686,391 | 45,053,650 | -22,434,441.5 | 44,850,325 |
| Weighted average number of shares outstanding, diluted | 53,509,690 | 45,839,465 | -22,861,014 | 45,679,140 |
OLD SECOND BANCORP INC (OSBC)
OLD SECOND BANCORP INC (OSBC)