Old second bancorp inc (OSBC)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
Interest and Dividend Income
Loans, including fees

23,597

23,587

25,109

24,924

24,099

-

23,377

22,512

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans, including fees

-

-

-

-

-

-

-

-

18,732

-

18,208

17,385

16,609

16,426

13,496

13,039

13,058

12,997

13,353

13,467

13,218

13,580

13,362

13,046

12,938

13,040

14,327

13,912

14,914

15,293

16,193

17,617

17,666

18,319

19,800

20,749

21,216

24,521

25,138

Loans held-for-sale

36

33

47

31

22

29

39

35

24

28

34

37

24

36

48

39

28

36

38

72

43

41

38

29

25

32

38

45

41

59

68

49

84

144

72

75

51

115

108

Securities:
Taxable

2,163

2,323

2,296

2,223

2,414

2,524

2,491

2,392

2,170

2,208

2,424

2,607

2,963

3,318

3,954

4,382

4,211

3,819

3,471

3,372

3,375

3,691

3,586

3,352

3,502

3,583

3,113

2,698

2,298

1,990

1,868

1,856

1,498

1,298

928

885

878

1,261

1,215

Tax exempt

1,455

1,467

1,719

2,141

2,098

2,102

2,064

2,114

2,061

1,751

1,628

1,648

912

263

180

220

179

116

122

163

141

96

110

118

148

146

148

174

119

113

98

102

103

104

114

127

142

210

689

Dividends from FHLBC and FRBC stock

125

143

154

156

149

131

121

111

106

99

94

92

85

82

83

84

84

76

76

77

77

77

78

78

76

76

76

76

76

77

77

77

74

74

73

74

69

66

62

Federal funds sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

-

1

1

Interest bearing deposits with financial institutions

75

115

119

111

114

104

84

97

49

43

37

31

23

71

64

15

19

12

12

19

12

13

25

20

15

17

22

27

42

30

29

35

25

33

58

69

70

42

44

Total interest and dividend income

27,451

27,668

29,444

29,586

28,896

29,038

28,176

27,261

23,142

22,664

22,425

21,800

20,616

20,196

17,825

17,779

17,579

17,056

17,072

17,170

16,866

17,498

17,199

16,643

16,704

16,894

17,724

16,932

17,490

17,562

18,333

19,736

19,450

19,972

21,045

21,980

22,426

26,216

27,257

Interest Expense
Savings, NOW, and money market deposits

635

706

724

759

771

669

642

501

344

255

239

233

223

212

193

193

191

187

185

183

179

176

175

188

199

204

206

221

228

255

253

254

300

304

327

372

576

819

1,200

Time deposits

1,766

1,805

1,672

1,641

1,618

1,642

1,568

1,444

1,175

1,146

1,077

1,025

979

1,018

931

869

822

824

799

771

807

896

1,073

1,210

1,321

1,447

1,674

1,800

1,853

1,889

1,973

2,342

2,605

3,258

3,436

3,791

3,993

4,622

4,750

Securities sold under repurchase agreements

116

146

135

147

149

139

140

104

79

-

4

4

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

-

1

1

-

-

-

-

-

4

13

Other short-term borrowings

109

144

429

575

607

-

311

276

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other short-term borrowings

-

-

-

-

-

-

-

-

329

-

220

146

108

37

23

26

20

11

6

7

9

9

5

3

2

2

6

1

19

15

0

1

3

-

-

-

-

-

-

Junior subordinated debentures

1,364

933

933

931

927

932

930

927

927

929

930

1,059

1,084

1,083

1,084

1,083

1,084

1,072

1,072

1,071

1,072

1,072

1,072

1,388

1,387

1,361

1,336

1,314

1,287

1,265

1,243

1,220

1,197

1,176

1,155

1,133

1,113

1,072

1,072

Senior notes

673

673

682

672

672

672

672

672

672

672

672

672

673

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Subordinated debt

-

-

-

-

-

-

-

-

-

-

-

-

-

222

245

243

239

210

205

202

197

199

199

198

196

201

209

205

196

219

223

224

237

212

201

206

203

234

203

Notes payable and other borrowings

130

72

89

107

116

-

173

95

-

-

-

-

-

2

2

2

2

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Notes payable and other borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

0

4

4

4

4

4

4

4

4

4

4

5

4

4

4

4

4

4

4

4

Total interest expense

4,793

4,479

4,664

4,832

4,860

4,697

4,436

4,019

3,526

3,278

3,142

3,139

3,067

2,686

2,478

2,416

2,358

2,306

2,268

2,234

2,268

2,356

2,528

2,991

3,109

3,219

3,435

3,544

3,588

3,645

3,698

4,046

4,346

4,955

5,123

5,506

5,889

6,755

7,242

Net interest and dividend income

22,658

23,189

24,780

24,754

24,036

24,341

23,740

23,242

19,616

19,386

19,283

18,661

17,549

17,510

15,347

15,363

15,221

14,750

14,804

14,936

14,598

15,142

14,671

13,652

13,595

13,675

14,289

13,388

13,902

13,917

14,635

15,690

15,104

15,017

15,922

16,474

16,537

19,461

20,015

Provision for credit losses

7,984

-

-

-

450

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan and lease losses

-

-

550

450

-

500

0

1,450

-722

-

300

750

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,800

-2,500

-

0

200

6,084

1,387

3,000

500

4,000

11,825

44,623

Loan loss reserve release

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-2,100

-2,300

-

-1,300

0

-1,000

-1,000

-

-1,750

-

-

-

-

-

-

-

-

-

-

-

-

Net interest and dividend income after provision for loan and lease losses

14,674

23,039

24,230

24,304

23,586

23,841

23,740

21,792

20,338

18,636

18,983

17,911

17,549

16,760

15,347

15,363

15,221

14,750

16,904

17,236

14,598

16,442

14,671

14,652

14,595

16,175

16,039

15,188

16,402

13,917

14,635

15,490

9,020

13,630

12,922

15,974

12,537

7,636

-24,608

Noninterest Income
Trust income

-

-

-

-

-

-

-

-

-

-

-

1,638

1,458

-

1,403

1,502

1,369

1,427

1,444

1,596

1,486

1,579

1,483

1,677

1,459

1,673

1,494

1,681

1,491

1,438

1,489

1,463

1,651

1,661

1,657

1,715

1,784

1,746

1,852

Service charges on deposits

-

-

-

-

-

-

-

-

-

-

-

1,615

1,618

-

1,756

1,646

1,559

1,734

1,766

1,779

1,541

1,725

1,838

1,796

1,720

1,876

1,904

1,799

1,677

1,976

1,982

1,893

1,831

2,114

2,157

2,047

1,817

2,238

2,286

Secondary mortgage fees

-

-

-

-

-

-

-

-

-

-

-

223

176

-

322

280

193

192

190

281

244

180

174

155

112

141

183

267

230

350

350

311

296

323

269

236

227

473

338

Mortgage servicing rights mark to market loss

2,134

-240

946

1,137

819

923

11

105

-305

46

194

429

133

-1,002

147

733

1,041

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Mortgage servicing income

-

-

-

-

-

-

-

-

-

-

-

444

435

-

437

422

421

1,610

-274

500

-208

1,154

252

64

-47

691

235

743

244

76

-155

-397

187

-120

-328

-263

370

-322

-642

Net gain on sales of mortgage loans

2,246

1,113

2,074

1,163

762

669

965

1,240

917

1,088

1,095

1,473

1,147

1,312

2,177

1,642

1,212

1,098

1,359

1,695

1,623

980

914

1,038

662

1,026

814

1,811

1,976

3,179

2,504

2,358

2,647

1,791

1,314

1,117

1,236

3,328

2,156

Securities gains (losses), net

-24

35

3,463

986

27

0

13

312

35

-

102

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in cash surrender value of BOLI

-49

-

-

-

458

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Securities gains (losses), net

-

-

-

-

-

-

-

-

-

-

-

-131

-136

-

-1,959

0

-61

0

-57

-12

-109

262

1,231

295

-69

-4,103

-7

745

1,453

269

513

692

101

43

-63

512

139

620

1,756

Increase in cash surrender value of BOLI

-

-

267

320

-

38

347

351

248

361

362

350

359

296

383

319

285

262

236

299

480

425

304

366

358

405

419

372

407

362

425

326

495

499

233

434

463

519

262

Death benefit realized on bank-owned life insurance

-

-

-

-

-

0

0

0

1,026

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6

375

-

-

-

-

-

-

-

-

-

938

-

Debit card interchange income

1,287

602

1,124

1,166

1,285

1,141

1,135

1,132

1,012

1,069

1,075

1,081

975

1,018

1,013

1,049

947

1,015

1,004

1,050

959

1,035

1,011

930

830

893

873

900

792

886

788

1,113

760

-

775

784

-

-

-

Gains (losses) on disposal and transfer of fixed assets, net

-

-

-

-

-

-

-

-

-

0

0

-12

2

0

0

0

1

-

1,143

-

-

-

121

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Debit card interchange income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

700

699

724

Lease revenue from other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

257

-

-

840

911

1,179

1,098

1,060

957

520

429

442

Net gain on sale of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

20

355

23

378

297

402

234

199

347

Litigation related income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,645

-

Other income

1,000

1,780

1,459

1,253

828

1,371

1,128

1,366

1,261

1,039

1,567

1,041

1,131

1,187

1,209

1,150

1,392

1,073

1,123

1,076

1,957

965

1,237

1,160

1,296

1,255

1,549

1,147

1,737

803

1,592

1,371

1,294

630

1,137

1,456

1,451

1,183

1,327

Total noninterest income

6,322

9,242

11,933

8,143

6,482

6,502

7,814

8,532

8,505

8,184

7,843

7,317

7,028

8,428

6,594

7,277

6,275

7,409

5,648

8,264

7,973

7,091

8,323

7,481

6,321

3,866

7,470

9,840

10,007

6,011

10,348

10,396

10,464

9,162

8,508

9,397

8,941

14,695

10,848

Noninterest Expense
Salaries and employee benefits

12,918

11,608

12,062

11,587

11,612

10,434

11,165

12,355

10,207

8,913

10,049

10,545

10,573

9,380

9,014

8,814

9,026

8,397

8,260

9,149

9,255

9,027

8,856

9,183

9,101

9,180

9,299

9,177

9,032

8,154

8,963

8,823

9,049

8,521

7,985

8,580

8,929

9,227

8,918

Occupancy expense, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,500

1,346

1,581

2,739

1,156

1,094

1,271

1,154

1,143

1,185

1,481

1,245

1,266

1,242

1,279

1,157

1,242

1,207

1,235

1,184

1,273

1,310

1,345

1,236

1,237

Occupancy, furniture and equipment

2,301

2,140

2,235

1,925

1,989

1,923

1,782

1,652

1,558

1,441

1,482

1,462

1,566

2,970

1,105

1,063

925

1,181

1,110

1,065

1,001

1,016

989

984

983

990

1,026

1,104

1,144

1,198

1,078

1,183

1,155

1,261

1,405

1,475

1,460

1,511

1,544

Computer and data processing

1,335

1,285

1,490

1,524

1,332

1,413

1,247

2,741

1,344

1,104

1,081

1,112

1,090

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FDIC Insurance

57

-

-114

-

174

-

162

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FDIC insurance

-

-

-

116

-

-

-

165

156

146

199

165

148

72

228

362

203

311

373

377

273

615

649

627

279

981

987

1,024

1,035

973

1,029

1,029

1,000

970

1,032

1,113

1,739

848

1,527

General bank insurance

246

246

270

236

250

260

230

299

251

251

246

264

270

270

269

272

298

298

308

310

357

358

371

343

489

489

489

491

849

846

851

841

846

824

845

826

825

165

133

Amortization of core deposit intangible

128

129

157

121

132

133

136

97

21

22

24

25

25

-

-

-

-

-

-

-

-

0

154

511

512

525

524

525

525

537

420

250

195

136

276

206

229

282

283

Advertising expense

109

250

360

381

234

242

492

492

341

412

255

452

386

421

430

435

347

348

434

353

205

225

291

459

303

384

347

328

166

327

400

264

318

375

311

187

233

353

439

Debit card interchange expense

532

110

279

233

355

38

320

301

281

296

285

399

349

269

363

620

203

383

379

400

352

423

418

412

378

361

366

362

344

365

388

453

342

333

394

324

373

349

337

Legal fees

131

195

111

243

126

147

243

286

159

200

162

184

104

206

242

191

161

253

279

420

223

335

332

409

257

642

615

486

323

961

760

770

685

1,211

924

1,040

943

964

666

Other real estate expense, net

237

99

26

248

50

164

-370

429

173

237

680

539

709

700

426

879

738

474

977

2,388

1,352

2,252

2,007

1,650

1,008

1,804

2,544

3,302

3,097

676

6,545

6,788

4,654

7,738

5,353

5,951

5,314

5,354

6,845

Other expense

3,008

3,766

3,078

3,512

2,940

3,853

3,304

3,469

2,863

3,169

2,455

2,839

2,834

2,989

3,005

2,718

2,782

1,713

2,968

3,371

2,864

3,362

3,134

3,289

2,725

3,472

3,119

3,510

3,144

3,210

3,187

3,026

2,973

3,240

3,022

3,346

3,208

3,266

3,550

Total noninterest expense

21,002

19,828

19,954

20,126

19,194

18,777

18,711

22,286

17,354

16,191

16,918

17,986

18,054

17,215

16,582

16,700

16,264

16,097

16,244

18,927

17,153

18,767

18,344

19,052

17,516

20,073

20,582

21,551

20,938

18,404

24,863

24,634

22,452

25,793

22,820

24,358

24,598

23,555

25,479

Income before income taxes

-6

12,453

16,209

12,321

10,874

11,566

12,843

8,038

11,489

10,629

9,908

7,242

6,523

7,973

5,359

5,940

5,232

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,308

6,573

5,418

4,766

4,650

3,081

3,400

-32

2,927

3,477

5,471

1,524

120

1,252

-2,968

-3,001

-1,390

1,013

-3,120

-1,224

-39,239

Provision for income taxes

-281

2,917

4,036

3,043

2,406

2,946

3,201

1,777

2,000

13,141

1,831

2,096

2,096

2,955

1,860

2,095

1,910

2,229

2,384

2,444

1,919

1,777

1,726

1,060

1,198

-

-69,997

-

-

-

-

-

-

-

-

0

-

-1,136

-15,856

Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,499

3,845

3,322

3,833

3,924

4,129

3,499

2,989

2,924

2,021

2,202

213

72,924

3,477

5,471

1,524

120

1,252

-2,968

-3,001

-1,390

1,013

-3,120

-88

-

Preferred stock dividends and accretion of discount

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

339

710

824

1,077

1,065

1,348

1,572

-

1,323

1,305

-

-

-

-

-

-

-

-

-

-

-

Dividends waived upon preferred stock redemption

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,433

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on preferred stock redemption

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,348

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income (loss)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-23,383

Preferred stock dividends and accretion of discount

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,289

-

1,255

1,238

1,223

1,206

1,190

1,175

1,159

1,135

1,131

Net income available to common stockholders

275

9,536

12,173

9,278

8,468

8,620

9,642

6,261

9,489

-2,512

8,077

5,146

4,427

-

-

-

3,322

3,833

3,585

3,419

2,675

1,912

1,859

7,454

630

-1,128

71,601

2,172

4,182

253

-1,135

14

-4,191

-4,207

-2,580

-162

-4,279

-1,223

-24,514

Average number of shares (in shares)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

14,043

-

-

-

13,973

-

-

Diluted average number of shares (in shares)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

14,196

-

-

-

14,213

-

-

Basic earnings per share (in dollars per share)

0.01

0.32

0.41

0.31

0.28

0.29

0.32

0.21

0.32

-0.08

0.27

0.17

0.15

0.17

0.12

0.13

0.11

0.13

0.12

0.12

0.09

0.10

0.06

0.26

0.04

-0.08

5.08

0.15

0.30

0.02

-0.08

0.00

-0.30

-0.30

-0.18

-0.01

-0.30

-0.09

-1.74

Diluted earnings per share (in dollars per share)

0.01

0.31

0.40

0.31

0.28

0.28

0.32

0.21

0.31

-0.09

0.27

0.17

0.15

0.17

0.12

0.13

0.11

0.13

0.12

0.12

0.09

0.10

0.06

0.26

0.04

-0.08

5.08

0.15

0.30

0.02

-0.08

0.00

-0.30

-0.30

-0.18

-0.01

-0.30

-0.09

-1.75

Dividends declared per share (in dollars per share)

0.01

0.01

0.01

0.01

0.01

0.01

0.01

0.01

0.01

-

0.01

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0.00

0.00

-

0.01

Deposit Account
Service charges on deposits

1,726

-

2,020

1,959

1,862

-

1,923

1,769

1,592

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Trust Income
Service charges on deposits

1,532

1,700

1,730

1,739

1,486

1,633

1,644

1,645

1,495

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank Servicing
Service charges on deposits

468

6,307

460

491

457

5,778

471

627

452

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Secondary mortgage fees
Service charges on deposits

270

151

282

203

136

140

199

195

162

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-