Call reports 2025
OLD SECOND NATIONAL BANK — 2025
What OLD SECOND NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,726,177,000 | 5,699,285,000 | 6,981,757,000 | 6,899,693,000 |
| Total loans | 3,944,434,000 | 4,001,902,000 | 5,266,477,000 | 5,255,776,000 |
| Allowance for loan losses | 41,551,000 | 42,990,000 | 75,037,000 | 72,301,000 |
| Securities available for sale | 1,146,721,000 | 1,177,688,000 | 1,156,796,000 | 1,089,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,925,326,000 | 4,869,419,000 | 5,795,547,000 | 5,661,376,000 |
| Interest-bearing deposits | 3,139,080,000 | 3,094,356,000 | 4,022,222,000 | 3,856,952,000 |
| Noninterest-bearing deposits | 1,786,246,000 | 1,775,063,000 | 1,773,325,000 | 1,804,424,000 |
| Equity capital | 699,797,000 | 727,855,000 | 905,453,000 | 904,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 73,553,000 | 148,779,000 | 252,842,000 | 355,134,000 |
| Interest expense | 9,827,000 | 19,997,000 | 40,391,000 | 58,809,000 |
| Net interest income | 63,726,000 | 128,782,000 | 212,451,000 | 296,325,000 |
| Noninterest income | 10,240,000 | 20,711,000 | 34,350,000 | 47,228,000 |
| Noninterest expense | 42,293,000 | 83,106,000 | 142,618,000 | 194,127,000 |
| Provision for loan losses | 2,285,000 | 4,509,000 | 24,123,000 | 27,369,000 |
| Pretax income | 29,273,000 | 61,487,000 | 79,629,000 | 121,881,000 |
| Income tax | 7,446,000 | 15,639,000 | 20,188,000 | 31,258,000 |
| Net income | 21,827,000 | 45,848,000 | 59,441,000 | 90,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 632,124,000 | 656,886,000 | 787,478,000 | 785,569,000 |
| Total capital | 675,692,000 | 702,169,000 | 862,375,000 | 847,838,000 |
| Risk-weighted assets | 4,632,967,000 | 4,683,779,000 | 5,990,868,000 | 5,962,695,000 |