Old Second Bancorp, Inc. (OSBC)

Nasdaq: OSBC · State Commercial Banks · Aurora, IL · filing with the SEC since 1995

Grade5.0

◀ Past 5.4● Present 4.9▶ Future 4.6

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Feb 26, 2026	Mar 6, 2025	Mar 7, 2024	Mar 9, 2023	Mar 10, 2022	Mar 8, 2021	Mar 6, 2020	Mar 7, 2019	Mar 13, 2018	Mar 13, 2017
For lenders
Interest and dividend income	355,181	297,904	291,970	216,473	105,165^r	104,215	115,594	107,617	87,505	73,379
Interest expense on deposits and borrowings	62,217	56,269	40,039	·	·	·	·	·	·	·
Net interest income	292,964	241,635	251,931	206,156	96,715^r	91,751	96,759	90,939	74,879	63,441
Provision for credit losses	27,553	12,750	16,501	6,550	4,326	10,413	1,600	1,228	1,800	750
Net interest income after provision	265,411	228,885	235,430	199,606	92,389^r	81,338	95,159	89,711	73,079	62,691
Noninterest income	46,362	43,819	34,179	43,116	39,260^r	37,487	35,800	31,353	30,372	28,574
Noninterest expense	204,022	159,748	145,201	151,173	103,782^r	81,417	79,102	77,128	69,149	66,761
Interest expense	·	56,269	40,039	10,317	8,450^r	12,464	18,835	16,678	12,626	9,938
Income before income taxes	107,751	112,956	124,408	91,549	27,867	37,408	51,857	43,936	34,302	24,504
Income tax expense	27,441	27,692	32,679	24,144	7,823	9,583	12,402	9,924	19,164	8,820
Net income	80,310	85,264	91,729	67,405	20,044	27,825	39,455	34,012	15,138	15,684
Net income to common shareholders	80,310	85,264	91,729	67,405	20,044	27,825	39,455	34,012	15,138	15,684
Earnings per share, basic	1.64	1.90	2.05	1.51	0.66	0.94	1.32	1.14	0.51	0.53
Earnings per share, diluted	1.62	1.87	2.02	1.49	0.65	0.92	1.30	1.12	0.50	0.53
Weighted average shares, basic	48,875,540	44,828,290	44,663,722	44,526,655	30,208,663	29,623,333	29,891,046	29,728,308	29,600,702	29,532,510
Weighted average shares, diluted	49,669,539	45,639,351	45,395,010	45,213,088	30,737,862	30,174,072	30,416,348	30,308,935	30,038,417	29,838,931

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton OSBC · research, not advice