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Income Statement
Balance Sheet
Cash Flow Statement

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Op Efficiency
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OLD SECOND BANCORP INC (OSBC)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsJun-30-23Mar-31-23Dec-31-22Sep-30-22Jun-30-22Mar-31-22Dec-31-21Sep-30-21
   10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q
    Interest income:  
        Interest income on loans  220.6197.2176.4147.5122.2104.890.687.3
        Interest income on investments  45.642.436.929.221.816.813.311.9
       269.8243.3216.5179.5146.3123.1105.2100.4
    Interest expense:  
        Interest on borrowings  8.02.80.50.0    
       22.514.310.38.98.68.78.58.4
Net interest income  247.3229.0206.2170.7137.7114.496.792.0
Provision for loan losses  11.510.16.617.411.4 4.3-8.0
Net interest income after provision for loan losses  235.8219.0199.6153.3126.3107.192.4100.0
        Other non-interest income  36.037.043.144.942.741.439.337.3
Total non-interest income  36.037.043.144.942.741.439.337.3
Non-interest expenses  146.4148.8151.2150.0136.1120.3103.886.5
Pre-tax income before non-recurring items  126.5108.192.449.334.329.529.051.7
Non-recurring items  1.00.90.91.11.31.31.10.9
Pre-tax income  125.4107.191.548.232.928.227.950.8
Income taxes  33.128.124.113.49.38.07.813.7
            Tax rate  26.4%26.3%26.4%27.9%28.3%28.4%28.1%26.9%
Net income  92.379.067.434.723.620.220.037.2
            Net margin  34.0%30.9%27.8%17.5%14.0%13.6%15.2%27.1%
   
Basic EPS  $2.07$1.77$1.51$0.85$0.64$0.61$0.69$1.28
Diluted EPS  $2.06$1.77$1.51$0.85$0.64$0.61$0.68$1.27
   
Shares outstanding (basic)  44.644.644.540.937.033.129.229.1
Shares outstanding (diluted)  44.844.744.741.137.133.229.429.2
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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