Old Second Bancorp, Inc. (FRA:OSB)

Old Second Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	252.17	253.41	244.28	176.51	90.78	91.23
Interest Income on Investments	47.99	44.49	47.69	39.96	14.39	12.99
Total Interest Income	300.15	297.9	291.97	216.47	105.17	104.22
Interest Paid on Deposits	40.51	38.01	15.4	3.35	2.47	6.6
Interest Paid on Borrowings	10.34	18.26	24.64	6.97	5.98	5.86
Total Interest Expense	50.85	56.27	40.04	10.32	8.45	12.46
Net Interest Income	249.3	241.64	251.93	206.16	96.72	91.75
Net Interest Income Growth (YoY)	2.28%	-4.09%	22.20%	113.16%	5.41%	-5.18%
Trust Income	12.28	11.43	9.8	9.89	9.41	7.91
Mortgage Banking Activities	0.33	0.29	0.26	0.33	1.04	1.65
Gain (Loss) on Sale of Investments	-0	-	-4.15	-0.94	0.23	-0.03
Other Non-Interest Income	17.83	19.17	16.97	22.26	13.87	6.87
Total Non-Interest Income	43.28	42.91	34.18	43.12	39.26	37.43
Non-Interest Income Growth (YoY)	10.01%	25.56%	-20.73%	9.82%	4.89%	7.16%
Revenues Before Loan Losses	292.58	284.55	286.11	249.27	135.98	129.18
Provision for Loan Losses	10.4	12.75	16.5	6.55	4.33	10.41
Revenue	282.18	271.8	269.61	242.72	131.65	118.77
Revenue Growth (YoY)	6.55%	0.81%	11.08%	84.37%	10.85%	-8.70%
Salaries and Employee Benefits	99.89	94.11	84.96	83.61	56.26	47.46
Occupancy Expenses	13.76	12.56	11.49	12.7	8.18	7.28
Federal Deposit Insurance	2.53	2.54	2.71	2.4	0.98	0.6
Amortization of Goodwill & Intangibles	3.35	2.44	2.46	2.63	0.64	0.49
Selling, General & Administrative	23.12	22.05	17.89	24.94	17.38	10.27
Other Non-Interest Expense	24.74	23.82	25.29	24.77	16.39	14.67
Total Non-Interest Expense	171.55	159.75	145.2	151.17	99.97	81.42
EBT Excluding Unusual Items	110.62	112.05	124.41	91.55	31.68	37.35
Pretax Income	110.64	112.96	124.41	91.55	27.87	37.41
Income Tax Expense	26.92	27.69	32.68	24.14	7.82	9.58
Net Income	83.71	85.26	91.73	67.41	20.04	27.83
Net Income to Common	83.71	85.26	91.73	67.41	20.04	27.83
Net Income Growth	-2.39%	-7.05%	36.09%	236.28%	-27.96%	-29.48%
Basic Shares Outstanding	45	45	45	45	30	30
Diluted Shares Outstanding	46	46	45	45	31	30
Shares Change (YoY)	0.48%	0.54%	0.40%	47.09%	1.87%	-0.80%
EPS (Basic)	1.86	1.90	2.05	1.51	0.66	0.94
EPS (Diluted)	1.83	1.87	2.02	1.49	0.65	0.92
EPS Growth	-3.18%	-7.43%	35.57%	129.23%	-29.35%	-29.23%
Dividend Per Share	0.230	0.210	0.200	0.200	0.160	0.040
Dividend Growth	15.00%	5.00%	-	25.00%	300.00%	-
Effective Tax Rate	24.34%	24.52%	26.27%	26.37%	28.07%	25.62%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.