Old Second Bancorp, Inc. (OSBC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 81.14M | 83.05M | 82.39M | 63.96M | 62.43M | 61.02M | 60.08M | 59.11M | 59.15M | 60.59M | 62.43M | 63.18M | 63.81M | 63.83M | 55.31M | 45M | 41.08M | 28.54M | 22.5M | 21.84M |
| NII Growth % | 29.97% | 36.1% | 37.14% | 8.21% | 5.55% | 0.72% | -3.77% | -6.45% | -7.3% | -5.08% | 12.88% | 40.41% | 55.33% | 123.7% | 145.77% | 106.04% | 75.34% | 20.1% | 0.5% | -3.29% |
| Net Interest Margin % | 1.18% | 1.2% | 1.18% | 1.12% | 1.09% | 1.08% | 1.06% | 1.04% | 1.05% | 1.06% | 1.08% | 1.07% | 1.08% | 1.08% | 0.93% | 0.75% | 0.66% | 0.46% | 0.69% | 0.67% |
| Interest Income | 98.35M | 102.3M | 103.69M | 74.97M | 73.09M | 74.72M | 75.58M | 72.64M | 72.69M | 73.05M | 73.63M | 73.49M | 69.88M | 67.49M | 57.75M | 47.13M | 43.18M | 30.73M | 24.68M | 24.08M |
| Interest Expense | 17.2M | 19.25M | 21.3M | 11M | 10.66M | 13.7M | 15.49M | 13.53M | 13.55M | 12.46M | 11.2M | 10.31M | 6.07M | 3.65M | 2.44M | 2.13M | 2.1M | 2.19M | 2.17M | 2.24M |
| Loan Loss Provision | 9.5M | 0 | 19.65M | 2.5M | 2.4M | 3.5M | 2M | 3.75M | 3.5M | 8M | 3M | 2M | 3.5M | 1.5M | 4.5M | 550K | 0 | 12.33M | -1.5M | -3.5M |
| Non-Interest Income | 12.82M | 12.15M | 11.78M | 9.68M | 9.29M | 10.68M | 9.62M | 10.39M | 9.86M | 8.04M | 9.13M | 7.4M | 6.41M | 7.9M | 10.3M | 8.42M | 13.08M | 10.13M | 8.79M | 7.41M |
| Non-Interest Income % | 11.53% | 10.62% | 10.2% | 11.44% | 11.28% | 12.5% | 11.29% | 12.51% | 11.94% | 9.91% | 11.03% | 9.14% | 8.41% | 10.48% | 15.14% | 15.15% | 23.25% | 24.79% | 26.27% | 23.52% |
| Total Revenue | 111.16M | 114.46M | 115.48M | 84.65M | 82.39M | 85.39M | 85.19M | 83.03M | 82.55M | 81.09M | 82.76M | 80.89M | 76.29M | 75.39M | 68.05M | 55.54M | 56.26M | 40.85M | 33.47M | 31.49M |
| Revenue Growth % | 34.93% | 34.04% | 35.54% | 1.95% | -0.2% | 5.31% | 2.94% | 2.65% | 8.21% | 7.56% | 21.61% | 45.63% | 35.61% | 84.53% | 103.33% | 76.4% | 55.85% | 19.43% | -7.45% | -12.28% |
| Non-Interest Expense | 50.4M | 52.94M | 61.45M | 41.93M | 43.13M | 42.83M | 37.85M | 36.55M | 36.96M | 35.69M | 36.08M | 33.61M | 34.71M | 38.38M | 34.53M | 36.19M | 37.72M | 37.88M | 21.47M | 20.77M |
| Efficiency Ratio | 45.34% | 46.25% | 53.22% | 49.54% | 52.35% | 50.15% | 44.43% | 44.03% | 44.78% | 44.01% | 43.59% | 41.55% | 45.49% | 50.91% | 50.75% | 65.16% | 67.04% | 92.71% | 64.14% | 65.98% |
| Operating Income | 34.06M | 42.27M | 13.07M | 29.21M | 26.2M | 25.37M | 29.85M | 29.19M | 28.54M | 24.94M | 32.48M | 34.97M | 32.01M | 31.85M | 26.58M | 16.68M | 16.44M | -11.54M | 11.33M | 11.97M |
| Operating Margin % | 30.64% | 36.93% | 11.32% | 34.51% | 31.8% | 29.71% | 35.04% | 35.16% | 34.57% | 30.75% | 39.25% | 43.24% | 41.96% | 42.25% | 39.05% | 30.02% | 29.23% | -28.25% | 33.85% | 38.02% |
| Operating Income Growth % | 30.02% | 66.6% | -56.22% | 0.08% | -8.21% | 1.74% | -8.11% | -16.54% | -10.84% | -21.71% | 22.23% | 109.72% | 94.69% | 376.05% | 134.59% | 39.29% | 2.1% | -201.14% | -16.87% | -3.27% |
| Pretax Income | 34.06M | 39.27M | 13.07M | 29.21M | 26.2M | 25.37M | 29.85M | 29.19M | 28.54M | 24.94M | 32.48M | 34.97M | 32.01M | 31.85M | 26.58M | 16.68M | 16.44M | -11.54M | 11.33M | 11.97M |
| Pretax Margin % | 30.64% | 34.31% | 11.32% | 34.51% | 31.8% | 29.71% | 35.04% | 35.16% | 34.57% | 30.75% | 39.25% | 43.24% | 41.96% | 42.25% | 39.05% | 30.02% | 29.23% | -28.25% | 33.85% | 38.02% |
| Income Tax | 8.48M | 10.48M | 3.2M | 7.39M | 6.37M | 6.26M | 6.9M | 7.3M | 7.23M | 6.71M | 8.15M | 9.41M | 8.41M | 8.24M | 7.05M | 4.43M | 4.42M | -2.47M | 2.92M | 3.15M |
| Effective Tax Rate % | 24.89% | 26.69% | 24.46% | 25.3% | 24.31% | 24.68% | 23.11% | 25.01% | 25.33% | 26.92% | 25.09% | 26.91% | 26.26% | 25.86% | 26.54% | 26.56% | 26.9% | 21.42% | 25.75% | 26.33% |
| Net Income | 25.59M | 28.79M | 9.87M | 21.82M | 19.83M | 19.11M | 22.95M | 21.89M | 21.31M | 18.23M | 24.34M | 25.56M | 23.61M | 23.61M | 19.52M | 12.25M | 12.02M | -9.07M | 8.41M | 8.82M |
| Net Margin % | 23.02% | 25.15% | 8.55% | 25.78% | 24.07% | 22.38% | 26.94% | 26.37% | 25.82% | 22.48% | 29.4% | 31.6% | 30.94% | 31.33% | 28.69% | 22.05% | 21.37% | -22.19% | 25.13% | 28.01% |
| Net Income Growth % | 29.02% | 50.64% | -56.99% | -0.32% | -6.95% | 4.86% | -5.69% | -14.36% | -9.72% | -22.82% | 24.65% | 108.72% | 96.4% | 360.45% | 132.09% | 38.85% | 1.19% | -212.68% | -18.05% | -4.52% |
| Net Income (Continuing) | 25.59M | 28.79M | 9.87M | 21.82M | 19.83M | 19.11M | 22.95M | 21.89M | 21.31M | 18.23M | 24.34M | 25.56M | 23.61M | 23.61M | 19.52M | 12.25M | 12.02M | -9.07M | 8.41M | 8.82M |
| EPS (Diluted) | 0.48 | 0.54 | 0.18 | 0.48 | 0.43 | 0.42 | 0.50 | 0.48 | 0.47 | 0.40 | 0.54 | 0.56 | 0.52 | 0.52 | 0.43 | 0.27 | 0.27 | -0.27 | 0.29 | 0.30 |
| EPS Growth % | 11.63% | 28.57% | -64% | 0% | -8.51% | 5% | -7.41% | -14.29% | -9.62% | -23.08% | 25.58% | 107.41% | 92.59% | 292.59% | 48.28% | -10% | -32.5% | -200% | -14.71% | -3.23% |
| EPS (Basic) | 0.49 | 0.55 | 0.19 | 0.48 | 0.44 | 0.43 | 0.51 | 0.49 | 0.48 | 0.40 | 0.55 | 0.57 | 0.53 | 0.53 | 0.43 | 0.28 | 0.27 | -0.27 | 0.30 | 0.30 |
| Diluted Shares Outstanding | 53.48M | 53.48M | 53.51M | 45.72M | 45.72M | 45.67M | 45.68M | 45.68M | 45.52M | 45.41M | 44.67M | 45.42M | 45.32M | 45.23M | 45.22M | 45.25M | 45.16M | 34.53M | 29.23M | 29.37M |