OLD Second Bancorp Inc income statement
In fiscal 2025, OLD Second Bancorp Inc reported revenue of $339m, up 18.9% on the year before and net income of $80.3m, or $1.62 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.
Income statement
| Fiscal year | 2010Dec 2010 | 2011Dec 2011 | 2012Dec 2012 | 2013Dec 2013 | 2014Dec 2014 | 2015Dec 2015 | 2016Dec 2016 | 2017Dec 2017 | 2018Dec 2018 | 2019Dec 2019 | 2020Dec 2020 | 2021Dec 2021 | 2022Dec 2022 | 2023Dec 2023 | 2024Dec 2024 | 2025Dec 2025 | LTMJun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 124 | 100 | 97 | 86 | 86 | 88 | 92 | 105 | 122 | 133 | 129 | 136 | 249 | 286 | 285 | 339 | 381 |
| Interest expense | 28 | 21 | 16 | 14 | 11 | 9 | 10 | 13 | 17 | 19 | 12 | 8 | 10 | 40 | 56 | — | — |
| Net interest income | 79 | 64 | 59 | 55 | 57 | 59 | 63 | 75 | 91 | 97 | 92 | 97 | 206 | 252 | 242 | 293 | 330 |
| Non-interest income | 45 | 36 | 37 | 31 | 29 | 29 | 29 | 30 | 31 | 36 | 37 | 39 | 43 | 34 | 44 | 46 | 51 |
| Non-interest expense | 101 | 98 | 90 | 83 | 74 | 68 | 67 | 69 | 77 | 79 | 81 | 104 | 151 | 145 | 160 | 204 | 218 |
| Provision for credit losses | 90 | 9 | 6 | −9 | — | −4 | 1 | 2 | 1 | 2 | 10 | 4 | 7 | 17 | 13 | 28 | 40 |
| Income before tax | −67 | −6 | −0 | 12 | 16 | 24 | 25 | 34 | 44 | 52 | 37 | 28 | 92 | 124 | 113 | 108 | 124 |
| Income tax | 42 | 0 | 0 | −70 | 6 | 9 | 9 | 19 | 10 | 12 | 10 | 8 | 24 | 33 | 28 | 27 | 32 |
| Net income | −109 | −6 | −0 | 82 | 10 | 15 | 16 | 15 | 34 | 39 | 28 | 20 | 67 | 92 | 85 | 80 | 92 |
| Diluted EPS | −$8.03 | −$0.79 | −$0.36 | $5.45 | $0.46 | $0.46 | $0.53 | $0.50 | $1.12 | $1.30 | $0.92 | $0.65 | $1.49 | $2.02 | $1.87 | $1.62 | $1.74 |
| Diluted shares (average) | — | 14m | 14m | 14m | 26m | 30m | 30m | 30m | 30m | 30m | 30m | 31m | 45m | 45m | 46m | 50m | 53m |
| Quarter | 2024 Q3Sept 2024 | 2024 Q4Dec 2024 | 2025 Q1Mar 2025 | 2025 Q2Jun 2025 | 2025 Q3Sept 2025 | 2025 Q4Dec 2025 | 2026 Q1Mar 2026 | 2026 Q2Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 71 | 73 | 73 | 75 | 96 | 95 | 94 | 97 |
| Interest expense | 15 | 14 | 11 | — | — | — | — | — |
| Net interest income | 61 | 62 | 63 | 64 | 83 | 83 | 81 | 83 |
| Non-interest income | 11 | 12 | 10 | 11 | 13 | 12 | 13 | 13 |
| Non-interest expense | 39 | 44 | 45 | 43 | 63 | 53 | 50 | 51 |
| Provision for credit losses | 2 | 4 | 2 | 3 | 20 | 3 | 10 | 8 |
| Income before tax | 30 | 25 | 26 | 29 | 13 | 39 | 34 | 38 |
| Income tax | 7 | 6 | 6 | 7 | 3 | 10 | 8 | 10 |
| Net income | 23 | 19 | 20 | 22 | 10 | 29 | 26 | 28 |
| Diluted EPS | $0.50 | $0.42 | $0.43 | $0.48 | $0.18 | $0.56 | $0.48 | $0.54 |
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