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Old Second Bancorp Inc (OSBC) Annual Income Statement

Annual · GAAP · USD millions
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Reviewing income statement figures over time helps illustrate how Old Second Bancorp Inc generates earnings and manages operating expenses.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases0.13
Interest and Dividend Income, Securities, Operating43.14
Interest Income, Deposits with Financial Institutions4.63
Other Income307.29
Total Interest Income355.18
Interest Expense, Deposits28.90
Interest Expense, Short-term Borrowing0.23
Interest Expense, Long-term Debt and Capital Securities2.19
Total Interest Expense62.22
Net Interest Income292.96
Provision for loan losses27.55
Total Net Interest Income265.41
Revenue From Contract With Customer Including Assessed Tax13.24
Other Non-interest Income4.97
Gain (Loss) on Disposition of Assets and Other Investments0.00
Loss / Gain on Investment2.29
Other Non-Interest Income20.29
Total Non-interest Income46.36
Total Revenues311.77
Costs & Expenses
Salaries & employee benefits, SGA126.11
Restructuring, Accretion & impairment charges0.00
Unusual Expense /-Income1.72
Depreciation & Amortization4.55
Communications and Information Technology13.84
Federal Deposit Insurance Corporation Premium Expense0.00
Other Noninterest Expense19.57
Other loss /-income25.95
Total Operating Expenses204.02
Total Costs & Expenses235.33
Income & Taxes
Income /-loss before income taxes107.75
Income taxes expenses/-benefit27.44
Income after income taxes80.31
Income /-loss after income taxes80.31
Net Income/-loss80.31
Income/-loss to shareholder80.31
Earnings Per Share
Basic EPS (excl. extra items)1.64
Basic Net EPS1.64
Basic shares outstanding (Mill. of Units)48.88
Diluted Net EPS1.62
Diluted average shares (Mill. of Units)49.67
Dividend per share0.25
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About Old Second Bancorp Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.