OLD SECOND BANCORP INC (OSBC)

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OLD SECOND BANCORP INC

OSBC • CIK 0000357173

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Income (Expense), Net	$251,931	$241,635	$292,964	$330,299
Provision for Loan, Lease, and Other Losses	$16,501	$12,750	$27,553	$39,653
Interest Income (Expense), after Provision for Loan Loss	$235,430	$228,885	$265,411	$290,646
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$124,408	$112,956	$107,751	$124,240
Income Tax Expense (Benefit)	$32,679	$27,692	$27,441	$31,818
Net Income (Loss) Available to Common Stockholders, Basic	$91,729	$85,264	$80,310	$92,422
Interest and Fee Income, Loans and Leases Held-in-portfolio	$244,187	$253,319	$305,775	$359,209
Interest and Fee Income, Loans Held-for-sale, Mortgages	$91	$94	$127	$171
Dividend Income, Operating	$1,920	$2,278	$1,517	$1,818
Interest Income, Deposits with Financial Institutions	$2,503	$2,393	$4,625	$2,929
Interest and Dividend Income, Operating	$291,970	$297,904	$355,181	$405,913
Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits	$8,761	$17,866	$27,468	$31,608
Interest Expense, Time Deposits	$6,636	$20,147	$28,898	$32,977
Interest Expense, Securities Sold under Agreements to Repurchase	$93	$337	$229	$195
Interest Expense, Other Short-term Borrowings	$18,774	$14,607	$1,969	$6,732
Interest Expense, Junior Subordinated Debentures	$1,095	$1,127	$1,152	$1,161
Interest Expense, Subordinated Notes and Debentures	$2,185	$2,185	$2,185	$2,314
InterestExpenseOperating	—	—	$62,217	$75,614
Mortgage Servicing Rights (MSR) Impairment (Recovery)	$1,425	$723	$1,918	$1,121
Gain (Loss) on Sale of Mortgage Loans	$1,477	$1,805	$2,291	$2,472
Debt and Equity Securities, Gain (Loss)	$-4,148	$-4,148	$7	$7
Life Insurance, Corporate or Bank Owned, Change in Value	$2,120	$3,619	$3,197	$4,560
Noninterest Income, Other Operating Income	$4,196	$4,218	$4,973	$6,063
Noninterest Income	$34,179	$43,819	$46,362	$51,154
Labor and Related Expense	$88,566	$98,025	$124,662	$130,495
Equipment Expense	$14,437	$16,159	$19,054	$20,518
Communications and Information Technology	$7,277	$9,473	$13,840	$15,392
General Insurance Expense	$1,212	$1,268	$1,449	$1,495
Amortization of Intangible Assets	$2,461	$2,440	$4,545	$4,829
Advertising Expense	$721	$1,243	$1,331	$1,331
Legal Fees	$927	$1,326	$1,724	$1,724
Other Noninterest Expense	$16,843	$14,756	$19,565	$20,917
Noninterest Expense	$145,201	$159,748	$204,022	$217,560
Interest Income, Securities, Operating, Taxable	$37,940	$34,656	$38,194	$37,045
Interest Income, Securities, Operating, Tax Exempt	$5,329	$5,164	$4,943	$4,741

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$55,534	$52,175	$51,665	$47,964
Interest-bearing Deposits in Banks and Other Financial Institutions	$44,611	$47,154	$72,360	$95,369
Cash and Cash Equivalents, at Carrying Value	$100,145	$99,329	$124,025	$143,333
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$1,192,829	$1,161,701	$1,090,523	$1,040,760
Liabilities and Equity	$5,722,799	$5,649,377	$6,902,675	$6,870,305
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	$33,355	$19,441	$32,025	$40,125
Financing Receivable, Held-for-Sale	$1,322	$1,556	$3,645	$2,349
Property, Plant and Equipment, Net	$79,310	$87,311	$86,645	$84,505
Real Estate Acquired Through Foreclosure	$5,123	$21,617	$1,427	$622
Servicing Asset at Fair Value, Amount	$10,344	$10,374	$9,459	$9,825
Goodwill	$86,478	$93,260	$129,196	$129,196
Intangible Assets, Net (Excluding Goodwill)	$11,217	$22,031	$23,692	$21,349
Bank Owned Life Insurance	$109,318	$112,751	$130,481	$133,493
Deferred Income Tax Assets, Net	$31,077	$26,619	$31,276	$28,689
Other Assets	$63,592	$55,670	$60,451	$60,569
Securities Sold under Agreements to Repurchase	$26,470	$36,657	$23,769	$23,241
Other Short-term Borrowings	$405,000	$20,000	$215,000	$375,000
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust	$25,773	$25,773	$25,774	$25,774
Subordinated Debt	$59,382	$59,467	$59,552	$29,798
Notes and Loans Payable	—	—	$14,825	$14,850
Other Liabilities	$58,147	$67,715	$70,918	$54,143
Liabilities	$5,145,518	$4,978,343	$6,005,907	$5,967,494
Common Stock, Value, Issued	$44,705	$44,908	$53,015	$53,015
Additional Paid in Capital	$202,223	$205,284	$341,451	$339,616
Retained Earnings (Accumulated Deficit)	$393,311	$469,165	$537,231	$583,701
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-62,781	$-47,748	$-28,738	$-31,861
Treasury Stock, Common, Value	$177	$575	$6,191	$41,660
Stockholders' Equity Attributable to Parent	$577,281	$671,034	$896,768	$902,811
Noninterest-bearing Deposit Liabilities	$1,834,891	$1,704,920	$1,739,117	$1,746,755
Deposits	$4,570,746	$4,768,731	$5,596,069	$5,444,688
Interest-bearing Deposit Liabilities, Domestic	$2,207,949	$2,315,134	$2,745,540	$2,771,532
Time Deposits	$527,906	$748,677	$1,111,412	$926,401
Common Stock, Shares Authorized	60,000,000	60,000,000	120,000,000	120,000,000
Common Stock, Shares, Issued	44,705,150	44,907,619	53,015,496	53,015,496
Common Stock, Shares, Outstanding	44,697,917	44,873,467	52,669,224	50,938,962
Treasury Stock, Common, Shares	7,233	34,152	346,272	2,076,534

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$-15,032	$-816	$24,696	$1,566
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$100,145	$99,329	$124,025	$-16,369
Net Income (Loss) Attributable to Parent	$91,729	$85,264	$80,310	$92,422
Net Cash Provided by (Used in) Operating Activities	$116,401	$131,533	$122,264	$145,705
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$186,049	$304,167	$279,579	$280,386
Proceeds from Sale of Debt Securities, Available-for-sale	$205,738	$5,331	$125,941	$125,941
Payments to Acquire Debt Securities, Available-for-sale	$13,414	$265,496	$191,592	$145,102
Payments for (Proceeds from) Federal Home Loan Bank Stock	—	$-13,914	$10,626	$19,080
Payments for (Proceeds from) Loans and Leases	$197,574	$-34,710	$75,837	$61,335
Payment to Acquire Life Insurance Policy, Investing Activities	$590	$1,050	$1,050	$1,051
Proceeds from Sale of Other Real Estate	$2,005	$3,235	$24,699	$6,875
Proceeds from Sale of Productive Assets	$4,542	$4,542	$2,248	$2,248
Payments to Acquire Property, Plant, and Equipment	$12,376	$10,787	$4,505	$3,543
Payments to Acquire Businesses, Net of Cash Acquired	$146	$-237,441	$-10,529	$-10,529
Net Cash Provided by (Used in) Investing Activities	$161,555	$322,701	$159,819	$196,349
Increase (Decrease) in Deposits	$-538,751	$-69,776	$-404,347	$-585,754
Proceeds from (Payments for) in Securities Sold under Agreements to Repurchase	$-5,686	$10,187	$-12,888	$-24,011
Repayments of Notes Payable	$9,000	$9,000	$9,000	$9,000
Repayments of Senior Debt	$45,000	$45,000	$45,000	$45,000
Proceeds from (Repayments of) Notes Payable	$-6,056	$-6,056	—	$-6,056
Payments of Ordinary Dividends, Common Stock	$8,946	$9,413	$12,240	$14,147
Payments for Repurchase of Common Stock	$605	$1,048	$7,412	$46,127
Net Cash Provided by (Used in) Financing Activities	$-292,988	$-455,050	$-257,387	$-340,488
Income Taxes Paid, Net	$35,670	$23,034	$20,692	$20,692
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	—	$1,250	$1,654	$1,654
Accretion (Amortization) of Discounts and Premiums, Investments	$-3,317	$-2,651	$-1,932	$-1,890
Debt and Equity Securities, Gain (Loss)	$-4,148	$-4,148	$7	$7
Provision for Loan, Lease, and Other Losses	$16,501	$12,750	$27,553	$39,653
Payments for Origination of Mortgage Loans Held-for-sale	$52,091	$58,011	$85,717	$102,454
Proceeds from Sale of Loans Held-for-sale	$52,186	$58,818	$84,919	$104,475
Gain (Loss) on Sale of Mortgage Loans	$1,477	$1,805	$2,291	$2,472
Mortgage Servicing Rights (MSR) Impairment (Recovery)	$1,425	$723	$1,918	$1,121
Life Insurance, Corporate or Bank Owned, Change in Value	$2,120	$3,619	$3,197	$4,560
Real Estate Owned, Valuation Allowance, Provision	$269	$1,744	$681	$80
Depreciation, Depletion and Amortization	$4,485	$5,591	$6,147	$6,736
Operating Lease, Right-of-Use Asset, Amortization Expense	—	$1,129	$562	$562
Gain (Loss) on Disposition of Property Plant Equipment	$623	$31.311	$742	$742
Gain (Loss) on Termination of Lease	—	$-46.5	$-46.5	$-46.5
Amortization of Intangible Assets	$2,461	$2,440	$4,545	$4,829
Increase (Decrease) in Income Taxes Payable	$-4,872	$5,991	$4,324	$-2,725
Amortization of Debt Issuance Costs	—	—	$1	$1
Share-based Payment Arrangement, Noncash Expense	$3,603	$3,914	$5,550	$5,871

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Import this data to Google Sheets with:

=jivedata("OSBC","financials")

Full statements spill as a table. For one cell: =jivedata("OSBC","Revenue") or =jivedata("OSBC","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.