Old Second Bancorp, Inc. (OSBC) quarterly income statement — complete revenue, gross profit & net income history
| 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 |
| 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% |
| 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% |
| 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 |
| 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 |
| Loan Loss Provision | 9.5M | 0 | 19.65M | 2.5M | 2.4M | 3.5M | 2M | 3.75M | 3.5M | 8M | 3M | 2M |
| 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 |
| 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% |
| 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 |
| 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% |
| 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 |
| 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% |
| 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 |
| 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% |
| 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% |
| 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 |
| 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% |
| 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 |
| 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% |
| 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 |
| 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% |
| 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% |
| 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 |
| 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 |
| EPS Growth % | 11.63% | 28.57% | -64% | 0% | -8.51% | 5% | -7.41% | -14.29% | -9.62% | -23.08% | 25.58% | 107.41% |
| 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 |
| 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 |