← OLD SECOND BANCORP INC

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Noninterest income:
Additional Financial Items
Bank Owned Life Insurance Income $1.3m $1.4m $984k $1.4m $1.2m $1.4m $718k $2.1m $3.6m $3.2m
Amortization of Intangible Assets $16k $96k $387k $539k $494k $644k $2.6m $2.5m $2.4m $4.5m
Debt and Equity Securities, Gain (Loss) ($2.2m) $474k $360k $4.5m ($25k) $232k ($944k) ($4.1m) — $7k
Goodwill, Impairment Loss — — $0 $0 — — — — — —
Loans, including fees $56.0m $70.7m $88.8m $97.7m $90.9m $90.7m $176.4m $244.2m $253.3m $305.8m
Loans held-for-sale $151k $123k $127k $133k $306k $165k $130k $91k $94k $127k
Taxable $15.9m $10.2m $9.6m $9.3m $6.8m $8.1m $31.6m $37.9m $34.7m $38.2m
Tax exempt $842k $5.9m $8.3m $7.4m $5.5m $5.2m $5.3m $5.3m $5.2m $4.9m
Dividends from FHLBC and FRBC stock $0 $0 $0 $1 $0 $0 $1 $2 $2 $2
Interest bearing deposits with financial institutions $169k $134k $334k $459k $258k $656k $2.2m $2.5m $2.4m $4.6m
Savings, NOW, and money market deposits $789k $950k $2.2m $3.0m $1.6m $961k $1.9m $8.8m $17.9m $27.5m
Time deposits $3.6m $4.2m $5.8m $6.7m $5.0m $1.5m $1.4m $6.6m $20.1m $28.9m
Securities sold under repurchase agreements — $17k $462k $577k $202k $82k $40k $93k $337k $229k
Other short-term borrowings $106k $758k $1.4m $1.8m $179k — $480k $18.8m $14.6m $2.0m
Junior subordinated debentures $4.3m $4.0m $3.7m $3.7m $2.2m $1.1m $1.1m $1.1m $1.1m $1.2m
Subordinated debentures $949k — — — — $1.6m $2.2m $2.2m $2.2m $2.2m
Senior notes $112k $2.7m $2.7m $2.7m $2.7m $2.7m $2.7m $2.4m — —
Notes payable and other borrowings $8k — $398k $384k $574k $463k $446k $87k — $316k
Net interest and dividend income $63.4m $74.9m $90.9m $96.8m $91.8m $96.8m $206.2m $251.9m $241.6m $293.0m
Provision for credit losses — — $1.2m $1.6m $10.4m $4.3m $6.5m $16.5m $12.8m $27.6m
Net interest and dividend income after provision for credit losses $62.7m $73.1m $89.7m $95.2m $81.3m $92.4m $199.6m $235.4m $228.9m $265.4m
Service charges on deposits $6.7m $6.7m $16.4m $17.0m $15.5m $18.0m $21.9m $21.9m $23.9m $26.8m
Mortgage servicing rights mark to market loss ($919k) ($802k) ($734k) ($2.7m) ($4.0m) $1.3m $3.2m ($1.4m) ($723k) ($1.9m)
Net gain on sales of mortgage loans $6.3m $4.8m $3.8m $5.1m $15.5m $9.3m $2.0m $1.5m $1.8m $2.3m
Securities gains (losses), net ($2.2m) $474k $360k $4.5m ($25k) $232k ($944k) ($4.1m) — $7k
Change in cash surrender value of BOLI $1.3m $1.4m $984k $1.4m $1.2m $1.4m $718k $2.1m $3.6m $3.2m
Death benefit realized on BOLI — — $1.0m $872k $57k — — — $905k $430k
Card related income $4.0m $4.2m $4.4m $4.2m $5.5m $6.7m $11.0m $10.1m $10.1m $10.6m
Other income $4.9m $4.8m $5.1m $5.3m $3.6m $2.4m $5.2m $4.2m $4.2m $5.0m
Salaries and employee benefits $36.2m $40.1m $44.2m $46.9m $49.5m $57.7m $86.6m $88.6m $98.0m $124.7m
Occupancy, furniture and equipment $4.4m $4.4m $6.9m $8.3m $8.5m $13.6m $15.0m $14.4m $16.2m $19.1m
Computer and data processing $4.3m $4.4m $6.7m $5.6m $5.1m $7.9m $15.8m $7.3m $9.5m $13.8m
FDIC insurance $865k $658k $653k $176k $597k $975k $2.4m $2.7m $2.5m $2.8m
Net teller & bill paying — — — — $648k $874k $3.7m $2.1m $2.2m $2.7m
General bank insurance $1.1m $1.0m $1.0m $1.0m $1.0m $1.2m $1.2m $1.2m $1.3m $1.4m
Amortization of core deposit intangible $16k $96k $387k $539k $494k $644k $2.6m $2.5m $2.4m $4.5m
Legal fees $800k $650k $835k $675k $761k $1.1m $873k $927k $1.3m $1.7m
Consulting & management fees — — — $242k $760k $5.0m $2.4m $2.4m $2.5m $3.9m
Provision for income taxes $8.8m $19.2m $9.9m $12.4m $9.6m $7.8m $24.1m $32.7m $27.7m $27.4m
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $24.5m $34.3m $43.9m $51.9m $37.4m $27.9m $91.5m $124.4m $113.0m $107.8m
Total interest and dividend income $73.4m $87.5m $107.6m $115.6m $104.2m $105.2m $216.5m $292.0m $297.9m $355.2m
Total noninterest income $28.6m $30.4m $31.4m $35.8m $37.5m $39.2m $43.1m $34.2m $43.8m $46.4m
Income before income taxes $24.5m $34.3m $43.9m $51.9m $37.4m $27.9m $91.5m $124.4m $113.0m $107.8m
Net Income (Loss) Attributable to Parent $15.7m $15.1m $34.0m $39.5m $27.8m $20.0m $67.4m $91.7m $85.3m $80.3m
Net Income (Loss) Available to Common Stockholders, Basic $15.7m $15.1m $34.0m $39.5m $27.8m $20.0m $67.4m $91.7m $85.3m $80.3m
Earnings Per Share, Basic $0.53 $0.51 $1.14 $1.32 $0.94 $0.66 $1.51 $2.05 $1.90 $1.64
Earnings Per Share, Diluted $0.53 $0.50 $1.12 $1.30 $0.92 $0.65 $1.49 $2.02 $1.87 $1.62
Common Stock, Dividends, Per Share, Declared $0.53 $0.51 $0.04 $0.04 $0.04 $0.16 $0.20 $0.20 $0.21 $0.25
Weighted Average Number of Shares Outstanding, Basic 29.5m 29.6m 29.7m 29.9m 29.6m 30.2m 44.5m 44.7m 44.8m 48.9m
Weighted Average Number of Shares Outstanding, Diluted 29.8m 30.0m 30.3m 30.4m 30.2m 30.7m 45.2m 45.4m 45.6m 49.7m
Noninterest expense:
Labor and Related Expense $36.2m $40.1m $44.2m $46.9m $49.5m $57.7m $86.6m $88.6m $98.0m $124.7m
Equipment Expense $4.4m $4.4m $6.9m $8.3m $8.5m $13.6m $15.0m $14.4m $16.2m $19.1m
Operating Lease, Expense — — — — — $1.2m $1.9m $2.1m $2.4m $3.0m
Advertising expense $1.6m $1.5m $1.6m $1.2m $298k $343k $589k $721k $1.2m $1.3m
Card related expense $1.5m $1.3m $940k $977k $2.2m $2.5m $4.3m $5.1m $5.6m $6.2m
Other real estate expense, net $2.7m $2.2m $396k $423k $651k $167k $130k $399k $2.2m $2.1m
Other expense $12.8m $11.3m $13.5m $13.3m $12.2m $12.6m $15.5m $16.8m $14.8m $19.6m
Interest Expense $9.9m $12.6m $16.7m $18.8m $12.5m $8.5m $10.3m $40.0m $56.3m $62.2m
Interest Expense, Debt $8k — — — — — — — — —
Interest Expense, Securities Sold under Agreements to Repurchase — $17k $462k $577k $202k $82k $40k $93k $337k $229k
Current Income Tax Expense (Benefit) — — — — — — — — — $25.8m
Interest Income (Expense), Net $63.4m $74.9m $90.9m $96.8m $91.8m $96.8m $206.2m $251.9m $241.6m $293.0m
Total interest expense $9.9m $12.6m $16.7m $18.8m $12.5m $8.5m $10.3m $40.0m $56.3m $62.2m
Total noninterest expense $66.8m $69.1m $77.1m $79.1m $81.4m $103.8m $151.2m $145.2m $159.7m $204.0m
Income Tax Expense (Benefit) $8.8m $19.2m $9.9m $12.4m $9.6m $7.8m $24.1m $32.7m $27.7m $27.4m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.