Old Second Bancorp, Inc
(NASDAQ:OSBC)

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides a range of banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company al...

Website: http://www.oldsecond.com

Founded: 1981

Full Time Employees: 535

Sector: Financial Services

Industry: Banks-Regional

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At a glance:

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Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-09-30	2022-06-30	2022-03-31	2021-09-30	2021-06-30	2021-03-31	2020-09-30	2020-06-30	2020-03-31	2019-09-30	2019-03-31	2018-06-30	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31	2006-03-31	2005-09-30	2005-06-30	2005-03-31	2004-09-30	2002-09-30

interest and dividend income
loans, including fees	91,301,000	61,954,000	61,595,000	62,673	62,665	61,561	57,210	46,614,000	38,229,000	36,376	21,315,000	20,815	22,207	21,980,000	22,347	23,597,000	25,109,000	24,099,000	22,512,000	18,732,000	18,208,000	17,385,000	16,609,000	16,426,000	13,496,000	13,039,000	13,058,000	13,353,000	13,467,000	12,938,000	13,040,000	14,327,000	13,912,000	14,914,000	15,293,000	16,193,000	17,617,000	17,666,000		19,800,000	20,749,000	20,869,000	24,521,000	25,138,000	26,632,000	29,060,000	29,834,000	30,114,000	33,961,000	34,257,000	34,305,000	33,784,000	32,873	31,307,000	28,977,000	26,413,000	24,946,000	23,014,000	20,919,000	16,905,000
loans held-for-sale	31,000	39,000	22,000	14	29	19	12	22,000	32,000	57	39,000	38	55	95,000	110	36,000	47,000	22,000	35,000	24,000	34,000	37,000	24,000	36,000	48,000	39,000	28,000	38,000	72,000	25,000	32,000	38,000	45,000	41,000	59,000	68,000	49,000	84,000		72,000	75,000	51,000	115,000	108,000	72,000	165,000	305,000	312,000
securities:
taxable	9,872,000	9,959,000	9,227,000	8,092	8,946	9,930	10,735	9,116,000	6,670,000	5,047	1,835,000	1,832	1,615	1,458,000	1,694	2,163,000	2,296,000	2,414,000	2,392,000	2,170,000	2,424,000	2,607,000	2,963,000	3,318,000	3,954,000	4,382,000	4,211,000	3,471,000	3,372,000	3,502,000	3,583,000	3,113,000	2,698,000	2,298,000	1,990,000	1,868,000	1,856,000	1,498,000		928,000	885,000	878,000	1,261,000	1,215,000	1,238,000			3,796,000	3,591,000	4,214,000	4,746,000	4,605,000	4,028	3,895,000	3,184,000	3,193,000	2,842,000	2,750,000	2,590,000	3,515,000
tax exempt	1,235,000	1,229,000	1,260,000	1,306	1,333	1,337	1,337	1,332,000	1,413,000	1,433	1,285,000	1,259	1,307	1,327,000	1,396	1,455,000	1,719,000	2,098,000	2,114,000	2,061,000	1,628,000	1,975,000	1,065,000	263,000	180,000	220,000	179,000	122,000	163,000		110,250	148,000	174,000		75,750	98,000	102,000			114,000	127,000		210,000	689,000
dividends from fhlbc and frbc stock	381,000	273,000	473,000	635	597	396	280	261,000	263,000	153	114,000	113	115	118,000	123	125,000	154,000	149,000	111,000	106,000	94,000	92,000	85,000
interest bearing deposits with financial institutions	1,255,000	1,784,000	988,000	610	659	643	585	663,000	782,000	269	203,000	137	92	68,000	42	75,000	119,000	114,000	97,000	49,000	37,000	31,000	23,000	71,000	64,000	15,000	19,000	12,000	19,000	15,000	22,750	22,000	27,000	42,000	22,250	29,000	35,000	25,000		58,000	69,000	70,000	42,000	44,000	16,000		2,000	2,000
total interest and dividend income	104,075,000	75,238,000	73,565,000	73,330	74,229	73,886	70,159	58,008,000	47,389,000	43,335	24,791,000	24,194	25,391	25,046,000	25,712	27,451,000	29,444,000	28,896,000	27,261,000	23,142,000	22,425,000	22,127,000	20,769,000	20,196,000	17,825,000	17,779,000	17,579,000	17,072,000	17,170,000	16,704,000	16,894,000	17,724,000	16,932,000	17,490,000	17,562,000	18,333,000	19,736,000	19,450,000		21,045,000	21,980,000	22,079,000	26,216,000	27,257,000	28,759,000	31,943,000	33,788,000	35,713,000	39,195,000	40,230,000	40,792,000	40,186,000	38,631	36,729,000	33,492,000
interest expense
savings, now, and money market deposits	9,043,000	5,606,000	4,913,000	4,037	2,558	1,742	1,149	380,000	347,000	397	209,000	217	241	299,000	385	635,000	724,000	771,000	501,000	344,000	239,000	233,000	223,000	212,000	193,000	193,000	191,000	185,000	183,000	199,000	163,750	206,000	221,000	228,000	201,750	253,000	254,000	300,000		327,000	372,000	576,000	819,000	1,200,000	1,385,000	1,586,000	1,546,000	1,846,000	3,563,000	3,504,000	4,810,000	6,603,000	5,798	5,734,000	3,678,000
time deposits	10,896,000	4,508,000	4,829,000	4,041	1,982	1,156	664	335,000	265,000	277	330,000	409	500	1,084,000	1,442	1,766,000	1,672,000	1,618,000	1,444,000	1,175,000	1,077,000	1,025,000	979,000	1,018,000	931,000	869,000	822,000	799,000	771,000	1,321,000	1,447,000	1,674,000	1,800,000	1,853,000	1,889,000	1,973,000	2,342,000	2,605,000		3,436,000	3,791,000	3,993,000	4,622,000	4,750,000	5,097,000	7,972,000	9,062,000	9,701,000	8,987,000	11,431,000	12,324,000	12,377,000	12,104	11,840,000	9,129,000	6,760,000	5,942,000	5,690,000	4,882,000	4,407,000
securities sold under repurchase agreements	60,000	56,000	68,000	86	27	7	9	10,000	9,000	11	15,000	21	31	28,000	23	116,000	135,000	149,000	104,000											1,000	1,000	1,000		1,000		1,000	1,000						4,000	13,000	10,000	13,000	17,000	98,000	182,000	202,000	336,000	612,000	665	553,000
other short-term borrowings	308,000		17,000	4,557	5,840	5,160	2,345	44,000						24,000	34	109,000	429,000	607,000	276,000	408,000	224,000	150,000	108,000	37,000	23,000	26,000	20,000	6,000	7,000	1,000	1,000	5,000		19,000	13,000		1,000	3,000							18,000	36,000	74,000	147,000	848,000	612,000	789,000	1,951,000	1,907	1,243,000	1,402,000	1,135,000	1,176,000	609,000	135,000	37,000
junior subordinated debentures	288,000	288,000	288,000	280	245	281	279	285,000	284,000	280	286,000	284	280	285,000	283	1,364,000	933,000	927,000	927,000	927,000	930,000	1,059,000	1,084,000	1,083,000	1,084,000	1,083,000	1,084,000	1,072,000	1,071,000	1,387,000	1,361,000	1,336,000	1,314,000	1,287,000	1,265,000	1,243,000	1,220,000	1,197,000		1,155,000	1,133,000	1,113,000	1,072,000	1,072,000	1,072,000	1,071,000	1,072,000	1,072,000	1,072,000	1,072,000	1,065,000	1,053,000	907	617,000	617,000	617,000	597,000	617,000	617,000
subordinated debentures	547,000	546,000	546,000	546	547	546	546	546,000	547,000	546	547,000	517
notes payable and other borrowings	158,000						87	111,000	95,000	103	113,000	119	123	144,000	165	130,000	89,000	116,000	95,000					2,000	2,000	2,000	2,000	1,000		4,000	4,000	4,000	4,000	4,000	4,000	5,000	4,000	4,000		4,000	4,000	4,000	4,000	4,000	1,000	2,000	3,000	111,000	219,000	211,000	243,000
total interest expense	21,300,000	11,004,000	10,661,000	13,547	11,199	10,306	6,073	2,439,000	2,125,000	2,099	2,173,000	2,240	1,848	2,537,000	3,005	4,793,000	4,664,000	4,860,000	4,019,000	3,526,000	3,142,000	3,139,000	3,067,000	2,686,000	2,478,000	2,416,000	2,358,000	2,268,000	2,234,000	3,109,000	3,219,000	3,435,000	3,544,000	3,588,000	3,645,000	3,698,000	4,046,000	4,346,000		5,123,000	5,506,000	5,889,000	6,755,000	7,242,000	7,778,000	10,921,000	12,114,000	13,507,000	15,562,000	17,702,000	20,852,000	22,878,000	21,581	20,250,000	15,357,000	12,213,000	10,710,000	9,429,000	7,499,000	7,429,000
net interest and dividend income	82,775,000	64,234,000	62,904,000	59,783	63,030	63,580	64,086	55,569,000	45,264,000	41,236	22,618,000	21,954	23,543	22,509,000	22,707	22,658,000	24,780,000	24,036,000	23,242,000	19,616,000	19,283,000	18,988,000	17,702,000	17,510,000	15,347,000	15,363,000	15,221,000	14,804,000	14,936,000	13,595,000	13,675,000	14,289,000	13,388,000	13,902,000	13,917,000	14,635,000	15,690,000	15,104,000		15,922,000	16,474,000	16,190,000	19,461,000	20,015,000	20,981,000	21,022,000	21,674,000	22,206,000	23,633,000	22,528,000	19,940,000	17,308,000	17,050	16,479,000
benefit from credit losses	19,653,000	2,500,000	2,400,000	3,500	3,000	2,000	3,501								2,129	7,984,000
net interest and dividend income after benefit from credit losses	63,122,000	61,734,000	60,504,000	56,283	60,030	61,580	60,585								20,578	14,674,000
noninterest income
wealth management	3,515,000	3,103,000	3,089,000	2,561	2,475	2,458	2,270	2,280,000	2,506,000	2,698	2,372,000	2,389	2,151
service charges on deposits	2,920,000	2,788,000	2,719,000	2,415	2,504	2,362	2,424	2,661,000	2,328,000	2,090	1,368,000	1,221	1,195	1,322,000	1,120	1,726,000	2,020,000	1,862,000	1,769,000	1,592,000	1,722,000	1,615,000	1,618,000	1,723,000	1,756,000	1,646,000	1,559,000	1,766,000	1,779,000	1,720,000	1,877,000	1,904,000	1,799,000	1,677,000	1,976,000	1,982,000	1,893,000	1,831,000		2,157,000	2,047,000	1,817,000	2,238,000	2,286,000	2,018,000	2,285,000	2,173,000	2,112,000	2,543,000	2,313,000	2,055,000	2,190,000	2,166	2,050,000	1,956,000	2,194,000	2,109,000	1,800,000	2,058,000	1,540,000
secondary mortgage fees	92,000	84,000	73,000	50	66	76	59	81,000	50,000	139	240,000	272	322	492,000	505	270,000	282,000	136,000	195,000	162,000	195,000	223,000	176,000	243,000	322,000	280,000	193,000	190,000	281,000	112,000	141,000	183,000	267,000	230,000	350,000	350,000	311,000	296,000		269,000	236,000	227,000	473,000	338,000	223,000	270,000	469,000	409,000	157,000	232,000	283,000	133,000	197	122,000	153,000		287,000	184,000	181,000	348,000
mortgage servicing rights mark to market loss	-389,000	-531,000									-282,000			-160,000	-445	-2,134,000				305,000	-194,000	-429,000	-133,000
mortgage servicing income	469,000	472,000	480,000	488	519	499	516	514,000	579,000	518	572,000	507	567	521,000	458	468,000	460,000	457,000	627,000	452,000	451,000	444,000	435,000											244,000				187,000				370,000			163,000	128,000	134,000	137,000	137,000	143,000	152,000	156,000	168	148,000	98,000	62,000				21,000
net gain on sales of mortgage loans	620,000	550,000	464,000	314	407	398	306	449,000	-262,000	1,495	2,186,000	1,895	3,721	5,246,000	4,631	2,246,000	2,074,000	762,000	1,240,000	917,000	1,095,000	1,473,000	1,147,000	1,312,000	2,177,000	1,642,000	1,212,000	1,359,000	1,695,000	662,000	1,026,000	814,000	1,811,000	1,976,000	3,179,000	2,504,000	2,358,000	2,647,000		1,314,000	1,117,000	1,236,000	3,328,000	2,156,000	1,157,000	1,799,000	2,710,000	2,486,000	938,000	1,768,000	1,945,000	1,011,000	1,219	1,098,000
securities losses	-1,000				-924	-1,547	-1,675
change in cash surrender value of boli	1,175,000	690,000	498,000	1,172	919	418	242	146,000	72,000	124	406,000	423	334	459,000	532	-49,000
death benefit realized on boli	430,000													-2,000	59
card related income	2,739,000	2,716,000	2,412,000	2,376	2,606	2,690	2,244	2,653,000	2,965,000	2,550	1,624,000	1,666	1,447	1,499,000	1,311	1,287,000
other income	1,539,000	1,026,000	1,036,000	1,030	1,024	773	1,489	2,165,000	924,000	901	610,000	577	450	803,000	860	1,000,000	1,459,000	1,126,000	1,366,000	1,261,000	1,567,000	1,041,000	1,131,000	1,187,000	1,209,000	1,150,000	1,391,000	1,156,000	1,092,000	1,296,000	1,263,000	1,549,000	1,147,000	1,737,000	803,000	1,592,000	1,368,000	1,178,000		1,137,000	1,456,000	1,798,000	1,174,000	1,164,000	1,100,000	1,186,000	1,232,000	1,557,000	1,405,000	1,431,000	1,097,000	1,166,000	1,064	952,000	1,464,000	1,501,000	1,382,000	1,230,000	1,605,000	1,035,000
total noninterest income	13,109,000	10,898,000	10,201,000	10,501	9,877	8,223	7,350	11,496,000	9,211,000	13,493	9,340,000	7,919	11,300	11,685,000	10,695	6,322,000	11,933,000	6,482,000	8,532,000	8,505,000	7,843,000	7,317,000	7,028,000	8,428,000	6,594,000	7,277,000	6,275,000	5,648,000	8,264,000	6,321,000	1,717,000	8,387,000	10,483,000	10,596,000	11,706,000	10,348,000	10,396,000	10,464,000		8,508,000	9,397,000	9,288,000	14,695,000	10,848,000					7,800,000	10,103,000	8,860,000	7,600,000	8,136	7,974,000	7,075,000	7,374,000	7,105,000	6,472,000	6,676,000	6,788,000
noninterest expense
salaries and employee benefits	39,723,000	26,950,000	26,993,000	24,312	23,115	21,798	22,248	21,011,000	21,332,000	19,967	12,964,000	12,896	13,506	12,586,000	11,342	12,918,000	12,062,000	11,612,000	12,355,000	10,207,000	10,049,000	10,545,000	10,573,000	9,380,000	9,014,000	8,814,000	9,026,000	8,260,000	9,149,000	9,101,000	9,180,000	9,299,000	9,177,000	9,032,000	8,154,000	8,963,000	8,823,000	9,049,000		7,985,000	8,580,000	8,929,000	9,227,000	8,918,000	9,025,000	9,421,000	9,676,000	10,885,000	10,630,000	11,572,000	11,623,000	8,898,000	9,779	9,912,000	9,531,000	8,780,000	8,980,000	9,120,000	8,602,000	7,618,000
occupancy, furniture and equipment	4,937,000	4,477,000	4,548,000	3,927	3,506	3,639	3,475	4,119,000	3,046,000	3,733	2,418,000	2,303	2,467	2,003,000	1,935	2,301,000	2,235,000	1,989,000	1,652,000	1,558,000	1,482,000	1,462,000	1,566,000
computer and data processing	4,002,000	2,692,000	2,348,000	2,255	1,922	1,290	1,774	2,543,000	4,006,000	6,228	1,477,000	1,304	1,298	1,226,000	1,247	1,335,000	1,490,000	1,332,000	2,741,000	1,344,000	1,081,000	1,112,000	1,090,000
fdic insurance	854,000	642,000	628,000	667	744	794	584	659,000	702,000	410	211,000	192	201	191,000	155	57,000	-114,000	174,000	165,000	156,000	199,000	165,000	148,000	72,000	228,000	362,000	203,000	373,000	377,000	279,000	981,000	987,000	1,024,000	1,035,000	973,000	1,029,000	1,029,000	1,000,000		1,032,000	1,113,000	1,739,000	848,000	1,527,000	1,428,000	822,000	2,421,000	817,000
net teller & bill paying	691,000	670,000	658,000	521	534	515	502
general bank insurance	437,000	328,000	330,000	309	300	306	305	257,000	351,000	315	301,000	277	276	281,000	237	246,000	270,000	250,000	299,000	251,000	246,000	264,000	270,000	270,000	269,000	272,000	298,000	308,000	310,000	489,000	489,000	489,000	491,000	849,000	846,000	851,000	841,000	846,000		845,000	826,000	825,000
amortization of core deposit intangible	1,251,000	1,022,000	1,037,000	580	616	618	624	657,000	659,000	665	113,000	115	120	122,000	124	128,000	157,000	132,000	97,000	21,000	24,000	25,000	25,000
advertising expense	545,000	320,000	167,000	192	93	103	142	83,000	194,000	182	107,000	95	60	62,000	57	109,000	360,000	234,000	492,000	341,000	255,000	452,000	386,000	421,000	430,000	435,000	347,000	434,000	353,000	303,000	384,000	347,000	328,000	166,000	327,000	400,000	264,000	318,000		311,000	187,000	233,000	353,000	439,000	256,000	313,000	242,000	432,000	592,000	636,000	372,000	399,000	415	425,000	464,000
card related expense	1,708,000	1,489,000	1,380,000	1,277	1,347	1,222	1,216	1,453,000	1,057,000	534	662,000	626	593	566,000	514	532,000
legal fees	432,000	388,000	472,000	226	97	283	319	212,000	179,000	294	455,000	135	55	169,000	176	131,000	111,000	126,000	286,000	159,000	162,000	184,000	104,000	206,000	242,000	191,000	161,000	279,000	420,000	257,000	642,000	615,000	486,000	323,000	961,000	760,000	770,000	685,000		924,000	1,040,000	943,000	964,000	666,000	559,000
consulting & management fees	2,471,000	527,000	426,000	336	549	520	790	607,000	523,000	605
other real estate expense	128,000	35,000	1,873,000	46		-98	306	22,000	87,000		25,000	77	36	125,000	143	237,000	26,000	50,000	429,000	173,000	680,000	539,000	709,000	700,000	426,000	879,000	738,000	977,000	2,388,000	1,008,000	-345,000	3,461,000	3,945,000	3,686,000	6,371,000	6,545,000	6,788,000	4,654,000		5,353,000	5,951,000	5,314,000	5,354,000	6,845,000	6,428,000	1,862,000	2,983,000
total noninterest expense	63,163,000	43,419,000	44,505,000	38,241	37,423	34,830	35,922	35,988,000	37,249,000	38,286	22,129,000	21,401	21,738	20,266,000	18,896	21,002,000	19,954,000	19,194,000	22,286,000	17,354,000	16,918,000	17,986,000	18,054,000	17,215,000	16,582,000	16,700,000	16,264,000	16,244,000	18,927,000	17,516,000	17,924,000	21,499,000	22,194,000	21,527,000	24,099,000	24,863,000	24,634,000	22,452,000		22,820,000	24,358,000	24,598,000	23,555,000	25,479,000					19,663,000	20,091,000	20,161,000	16,117,000	16,832	16,585,000	16,148,000	15,050,000	15,410,000	14,999,000	14,347,000	12,408,000
income before income taxes	13,068,000	29,213,000	26,200,000	28,543	32,484	34,973	32,013	26,577,000	16,676,000	16,443	11,329,000	11,972	16,105	13,628,000	12,377		16,209,000	10,874,000	8,038,000	11,489,000	9,908,000	7,569,000	6,676,000	7,973,000	5,359,000	5,940,000	5,232,000	6,308,000	6,573,000	3,400,000	-32,000	2,927,000	3,477,000	5,471,000	-399,000	120,000	1,252,000				1,013,000					1,346,000		668,000	5,470,000	10,640,000	7,739,000	8,191,000	7,766	7,868,000	8,618,000	10,723,000	9,773,000	9,142,000	9,384,000	8,018,000
benefit from income taxes	3,197,000	7,391,000	6,370,000	7,231	8,149	9,411	8,406		4,429,000	4,423		3,152			3,139		4,036,000	2,406,000	1,777,000	2,000,000	1,831,000	2,112,000	2,104,000	2,955,000	1,860,000	2,095,000	1,910,000	2,384,000	2,444,000																				1,349,000	3,318,000	2,175,000	2,114,000	2,040	2,120,000	2,513,000	3,541,000	3,203,000	2,953,000	3,096,000	2,792,000
net income	9,871,000	21,822,000	19,830,000	21,312	24,335	25,562	23,607	19,523,000	12,247,000	12,020	8,412,000	8,820	11,879	10,265,000	9,238	275,000	12,173,000	8,468,000			8,077,000	5,457,000	4,572,000	5,018,000	3,499,000	3,845,000	3,322,000	3,924,000	4,129,000	2,202,000	213,000	72,924,000	3,477,000	5,471,000	-399,000	120,000	1,252,000			-1,390,000	1,013,000		-88,000	-23,383,000		1,472,000	-58,426,000	984,000	4,121,000	7,322,000	5,564,000	6,077,000	5,726	5,748,000	6,105,000	7,182,000	6,570,000	6,189,000	6,288,000	5,226,000
yoy	40462.98%	85268.91%	83900.51%	-99.89%	-99.80%	112.66%	-99.72%	221249.21%	102997.90%	-99.88%	90958.67%	-96.79%	-99.90%	21.22%			50.71%	55.18%			130.84%	41.92%	37.63%	27.88%	-15.26%	74.61%	1459.62%	-94.62%	18.75%	-59.75%	-153.38%	60670.00%	177.72%			-108.63%	23.59%			-94.06%			-99.85%	-2476.32%		-79.90%	-1150.07%	-83.81%	71869.96%	27.38%	-8.86%	-15.39%	-99.91%	-7.13%	-2.91%	37.43%
qoq	-54.77%	10.05%	92946.17%	-12.42%	-4.80%	8.28%	-99.88%	59.41%	101788.52%	-99.86%	95274.15%	-25.75%	-99.88%	111017.12%	-96.64%	-97.74%	43.75%				48.01%	19.36%	-8.89%	43.41%	-9.00%	15.74%	-15.34%	-4.96%	87.51%	933.80%	-99.71%	1997.33%	-36.45%	-1471.18%	-432.50%	-90.42%				-237.22%			-99.62%			-102.52%	-6037.60%	-76.12%	-43.72%	31.60%	-8.44%	106029.93%	-99.90%	-5.85%	-15.00%	9.32%	6.16%	-1.57%	20.32%

basic earnings per share	0.19	0.49	0.44	0.48	0.55	0.57	0.53	0.43	0.28	0.27	0.3	0.3	0.41	0.35	0.31	0.01	0.41	0.28	0.21	0.32	0.27	0.19	0.15	0.17	0.12	0.13	0.11	0.12	0.12		-0.07	5.08	0.15										-0.09		-0.69	0.03	-4.29	0.01	0.3	0.53	0.43	0.5	0.45	0.44	0.45	0.53	0.49	0.46	0.47	0.71
diluted earnings per share	0.18	0.48	0.43	0.47	0.54	0.56	0.52	0.43	0.27	0.27	0.29	0.3	0.4	0.34	0.31	0.01	0.4	0.28	0.21	0.31	0.27	0.18	0.15	0.17	0.12	0.13	0.11	0.12	0.12		-0.07	5.08	0.15													0.03		0.01	0.3	0.53	0.42	0.49	0.45	0.43	0.45	0.52	0.48	0.46	0.46	0.7
dividends declared per share	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.01	0.01	0.01	0.01	0.01	0.01																										0.01			0.04
securities gains				1				-1,000	-33,000		244,000	2				-24,000	3,463,000	27,000	312,000	35,000										-69,000	-4,103,000		745,000	1,453,000	269,000	513,000	692,000	101,000			512,000	139,000	620,000	1,756,000		454,000	1,391,000			1,075,000	308,000	11,000		482,000	227,000				88,000	2,000
mortgage servicing rights mark to market gain			-570,000	94	281	96	-525	548,000	82,000	2,978		-1,033	1,113				-946,000	-819,000	-105,000
senior notes						1,414	994	728,000	578,000	485	673,000	673	673	673,000	673	673,000	682,000	672,000	672,000	672,000	672,000	672,000	673,000
other real estate income					-27
provision for (release of) credit losses								4,500,000
net interest and dividend income after provision for (release of) credit losses								51,069,000
other expense								4,365,000			3,396,000			2,935,000
provision for income taxes								7,054,000			2,917,000			3,363,000
benefit from (release of) credit losses									550,000
net interest and dividend income after benefit from (release of) credit losses									44,714,000
release of credit losses
net interest and dividend income after release of credit losses										41,236
other real estate (gain) expense										-12
(release of) provision for credit losses											-1,500,000
net interest and dividend income after (release of) provision for credit losses											24,118,000
(release of) benefit from credit losses												-3,500	-3,000
net interest and dividend income after (release of) benefit from credit losses												25,454	26,543
benefit for income taxes													4,226
provision for credit losses														300,000
net interest and dividend income after provision for credit losses														22,209,000
trust income														1,506,000	1,664	1,532,000	1,730,000	1,486,000	1,645,000	1,495,000	1,468,000	1,638,000	1,458,000	1,396,000	1,403,000	1,502,000	1,369,000	1,444,000	1,596,000	1,459,000	1,673,000	1,494,000	1,681,000	1,491,000	1,438,000	1,489,000	1,463,000	1,651,000		1,657,000	1,715,000	1,784,000	1,746,000	1,852,000	1,657,000	2,042,000	1,846,000	1,889,000	1,952,000	2,190,000	2,182,000	1,863,000	2,233	2,176,000	1,734,000	1,580,000	1,629,000	1,649,000	1,458,000	1,255,000
securities gains														-1,000
(benefit from) benefit from income taxes																-281,000
benefit from loan and lease losses																	550,000		1,450,000
net interest and dividend income after benefit from loan and lease losses																	24,230,000	23,586,000	21,792,000
increase in cash surrender value of boli																	267,000	458,000	351,000	248,000	362,000	350,000	359,000
debit card interchange income																	1,124,000	987,000	1,132,000	1,012,000	1,075,000	1,081,000	975,000	1,018,000	1,013,000	1,049,000	947,000	1,004,000	1,050,000	830,000	893,000	873,000	900,000	792,000	886,000	788,000	1,113,000	760,000		775,000	784,000	700,000	699,000	724,000	663,000	693,000	635,000	576,000	623,000	618,000	551,000	524,000	519	463,000
debit card interchange expense																	279,000	147,000	301,000	281,000	285,000	399,000	349,000	269,000	363,000	620,000	203,000	379,000	400,000	378,000	361,000	366,000	362,000	344,000	365,000	388,000	453,000	342,000		394,000	324,000	373,000
provision (release) for loan and lease losses																		450,000
death benefit realized on bank-owned life insurance																				1,026,000												6,000											938,000
net income available to common stockholders																		8,468,000	6,261,000	9,489,000				5,018,000	3,499,000	3,845,000	3,322,000	3,585,000	3,419,000		-1,128,000	71,601,000	2,172,000		253,000	-1,135,000	14,000			-2,580,000	-162,000		-1,223,000	-24,514,000		351,000	-59,661,000
gain on disposal and transfer of fixed assets																						12,000
release of loan and lease losses																				-722,000
net interest and dividend income after (release) benefit from loan and lease losses																				20,338,000
losses on disposal and transfer of fixed assets
subordinated debt																								222,000	245,000	243,000	239,000	205,000	202,000	196,000	201,000	209,000	205,000	196,000	219,000	223,000	224,000	237,000		201,000	206,000	203,000	234,000	203,000	195,000	241,000	309,000	490,000	495,000	477,000	315,000
benefit from loan losses																					300,000	750,000												-2,500,000			200,000	6,084,000		3,000,000	500,000	4,000,000	11,825,000	44,623,000	19,220,000	9,650,000	47,500,000	9,425,000	6,300,000	1,900,000	900,000	600,000	588		444,000	450,000	400,000			710,000
net interest and dividend income after benefit from loan losses																					18,983,000	18,238,000	17,702,000				15,221,000	16,904,000	17,236,000		16,175,000	16,039,000		16,402,000	13,917,000	14,635,000	15,490,000	9,020,000		12,922,000	15,974,000	12,190,000	7,636,000		1,761,000	11,372,000		12,781,000	17,333,000	20,628,000	19,040,000	16,708,000	16,462	16,479,000
securities gain																					102,000							-57,000	-12,000
securities loss																						-131,000	-136,000	-505,000	-1,959,000		-61,000
loss on disposal and transfer of fixed assets																												-1,143,000
dividends from federal reserve bank and federal home loan bank stock																								62,750	83,000	84,000	84,000	76,000	77,000	76,000	76,000	76,000	76,000	76,000	77,000	77,000	77,000	74,000		73,000	74,000	69,000	66,000	62,000	56,000	56,000	57,000	56,000
loan loss reserve release																												-2,100,000	-2,300,000	-1,000,000
net interest and dividend income after release for loan losses																								11,482,750	15,347,000	15,363,000
mortgage servicing gain / (loss), net of changes in fair value																								-160,250	290,000
increase in cash surrender value of bank-owned life insurance																								296,000	383,000	319,000	285,000	203,000	283,000	358,000	405,000	419,000	372,000	407,000	362,000	425,000	326,000	495,000		233,000	434,000	463,000	519,000		429,000	474,000		127,000
occupancy expense																								1,254,000	1,120,000	1,009,000	1,229,000	1,156,000	1,094,000	1,481,000	1,245,000	1,266,000	1,242,000	1,279,000	1,157,000	1,242,000	1,207,000	1,235,000		1,273,000	1,310,000	1,345,000	1,236,000	1,237,000	1,525,000	1,427,000	1,645,000	1,515,000	1,478,000	1,559,000	1,438,000	1,442,000	1,255	1,226,000	1,092,000	1,015,000	983,000	611,000	974,000	737,000
furniture and equipment expense																								1,267,000	1,144,000	1,078,000	958,000	1,110,000	1,065,000	983,000	990,000	1,026,000	1,104,000	1,144,000	1,198,000	1,078,000	1,183,000	1,155,000		1,405,000	1,475,000	1,460,000	1,511,000	1,544,000	1,639,000	1,673,000	1,742,000	1,740,000	1,713,000	1,585,000	1,786,000	1,647,000	1,582	1,494,000	1,282,000	1,378,000	1,183,000	1,266,000	1,077,000	1,095,000
preferred stock dividends and accretion of discount																												339,000	710,000	1,572,000			1,305,000	1,289,000				1,223,000				1,159,000
mortgage servicing (loss) / gain, net of changes in fair value																										-311,000
loan loss reserve
mortgage servicing loss, net of changes in fair value																											-620,000
mortgage servicing gain, net of changes in fair value																												-274,000	500,000	-47,000
amortization of core deposit																														512,000
dividends waived upon preferred stock redemption
gain on preferred stock redemption
tax-exempt																														148,000				119,000				103,000				142,000			745,000			1,431,000	1,484,000	1,513,000	1,484,000	1,494,000	1,425	1,324,000	1,232,000	1,266,000	1,207,000	1,124,000	823,000	642,000
net interest and dividend income after loan loss reserve release																														14,595,000
income tax expense																														1,198,000
net income available to common shareholders																														630,000				4,182,000				-4,191,000				-4,279,000			-9,682,000			183,000
share and per share information:
basic income per share																														0.04				0.3
diluted income per share																														0.04				0.3
dividends paid per share																																													0.01	0.01		0.04	0.16	0.16	0.15	0.15	0.15	0.14	0.13	0.13	0.13	0.12	0.12
(release) benefit from loan losses																															-2,500,000	-1,750,000
mortgage servicing income, net of changes in fair value																															305,500	235,000	743,000		-91,250	-155,000	-397,000
lease revenue from other real estate owned																															243,500	309,000	257,000	408,000	567,000	840,000	911,000	1,179,000		1,060,000	957,000	520,000	429,000	442,000	518,000
net gain on sale of other real estate owned																															293,750	608,000	386,000	181,000	1,800,000	20,000	355,000	23,000		297,000	402,000	234,000	199,000	347,000	151,000
amortization of core deposit and other intangible asset																															393,500	524,000	525,000		216,250	420,000	250,000			276,000	206,000		282,000	283,000		292,000	291,000
income tax benefit																															-17,499,250	-69,997,000
preferred stock dividends and accretion																															979,250	1,323,000			929,000	1,255,000	1,238,000			1,190,000	1,175,000		1,135,000	1,131,000		1,121,000	1,235,000
net interest and dividend income after (release) benefit from loan losses																																	15,188,000
death benefit realized on bank owned life insurance																																	375,000
income taxes expense
amortization of core deposit asset																																		525,000
ending number of shares																																		13,882,910				14,084,328				14,034,991			13,939,833			13,824,561	13,756,186	13,745,686	13,740,186	12,145,296	12,145,838	13,110,423	13,559,075			13,496,111	13,417,680	7,363,105
average number of shares																																		14,076,114				14,043,545				13,973,870			13,916,650			13,791,789	13,747,723	13,742,576	13,070,056	12,145,479	12,622,032	13,134,897	13,529,648			13,452,126	13,417,680	7,377,812
diluted average number of shares																																		14,157,523				14,196,143				14,213,701			14,197,223			13,857,941	13,832,875	13,856,956	13,216,375	12,295,282	12,766,424	13,267,077	13,708,648			13,594,802	13,555,748	7,459,015
federal funds sold																																									1,000		1,000	1,000		14,000	1,000	2,000	40,000	55,000	29,000	138,000	79	58,000	3,000	4,000	3,000		42,000	256,000
income taxes
basic loss per share																																			0.01	-0.08		-0.3		-0.18	-0.01	-0.3		-1.74
diluted loss per share																																			-0.093	-0.08
litigation related income																																					3,000	116,000					2,645,000
amortization of core deposit and other intangible assets																																						195,000				229,000			282,000			292,000	301,000	296,000	200,000
federal funds purchased																																															31,000	42,000	196,000	193,000	970,000
net interest rate swap gains and fees																																											9,000	163,000	190,000	712,000
impairment of goodwill																																															57,579,000
net interest and dividend expense after benefit from loan losses
increase in cash surrender value of bank owned life insurance																																												262,000			347,000		65,000	333,000	287,000	546,000	570	483,000
total non-interest income																																													8,267,000	10,212,000	9,980,000	9,216,000
total non-interest expense																																													24,749,000	20,238,000	80,508,000	21,329,000
preferred stock dividends																																													1,128,000			801,000
securities, taxable																																														1,278,000	2,173,000
securities, tax exempt																																														1,343,000	1,416,000
interest bearing deposits																																														27,000			30,000	7,000	4,000	4,000	8	16,000		1,000	1,000		2,000	1,000
non-interest income
net gain on sales of other real estate owned																																														169,000
non-interest expense
(benefit) benefit from income taxes
net interest rate swap gains
loans held for sale																																																	89,000	184,000	224,000	161,000	218	129,000	95,000	185,000	189,000	173,000	178,000	458,000
note payable																																																				282,000	200	263,000	44,000
loss on settlement of pension obligation
amortization of core deposit intangible assets																																																							89,000	88,000	89,000	89,000	88,000	88,000
interest bearing deposits with banks																																																							1,000
repurchase agreements																																																							487,000	390,000	296,000	211,000	102,000	184,000
net interest income																																																							18,135,000	18,849,000	18,478,000	17,632,000	17,055,000	14,348,000
net interest income after benefit from loan losses																																																							17,691,000	18,399,000	18,078,000	17,669,000	17,055,000	13,638,000
gain on sale of loans																																																							971,000	1,819,000	1,484,000	1,394,000	1,286,000	2,587,000
bank owned life insurance																																																							472,000	218,000	215,000	219,000
interest income
total interest income																																																								31,062,000	29,188,000	27,061,000	24,554,000	21,777,000
savings deposits																																																								3,276,000	2,672,000	2,279,000	1,748,000	2,799,000
notes payable																																																								35,000	27,000	23,000	15,000	2,000
litigation settlement
per share information:
amortization of goodwill

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-03-31	2018-12-31	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-09-30	2003-06-30	2003-03-31	2002-09-30	2001-09-30	2001-03-31

assets
cash and due from banks	53,099,000	63,484,000	52,703,000	52,175,000	48,841,000	55,548,000	59,466,000	50,860,000	56,632,000	64,903,000	53,295,000	41,511,000	38,565,000	26,705,000	29,829,000	25,448,000	24,306,000	29,489,000	32,424,000	27,627,000	34,096,000	42,671,000	28,898,000	38,599,000	34,161,000	29,478,000	33,738	32,772,000	32,614,000	41,332,000	31,689,000	29,203,000	32,806,000	27,168,000	26,975,000	35,443,000	29,164,000	40,245,000	33,210,000	47,486,000	12,264,000	17,202,000	44,221,000	38,185,000	45,015,000	35,455,000	2,692,000	29,337,000	36,088,000	35,905,000	37,670	51,077,000	43,632,000	32,626,000	42,935	37,449,000	43,198,000	36,840,000	49,916	52,512,000	67,293,000	67,912,000	49,775	81,562,000	64,453,000	50,308,000	53,114	58,758,000	86,677,000	46,116,000	55,063	60,713,000	63,610,000	47,171,000	52,228	58,609,000	49,513,000	45,088,000	51,110,000	58,395,000	52,661,000	49,671,000	42,553,000	33,629,000
interest earning deposits with financial institutions	63,426,000	78,283,000	203,418,000	47,154,000	49,253,000	53,485,000	53,144,000	52,162,000	58,545,000	51,251,000	228,040,000	593,166,000	713,542,000	492,548,000	562,931,000	415,497,000	305,597,000	283,651,000	225,065,000	45,511,000	16,536,000	11,366,000	11,438,000	16,636,000
cash and cash equivalents	116,525,000	141,767,000	256,121,000	99,329,000	98,094,000	109,033,000	112,610,000	103,022,000	115,177,000	116,154,000	281,335,000	634,677,000	752,107,000	519,253,000	592,760,000	440,945,000	329,903,000	313,140,000	257,489,000	73,138,000	50,632,000	54,037,000	40,336,000	55,235,000	65,308,000	47,872,000		47,502,000	51,097,000	60,679,000		189,947,000	40,331,000	36,649,000	40,338,000	53,772,000	38,516,000	54,487,000	47,660,000	80,072,000	67,858,000	81,117,000	128,507,000	72,241,000	130,029,000	76,617,000	50,949,000	108,671,000	105,784,000	174,449,000		69,834,000	129,896,000	97,680,000		118,179,000	86,899,000	43,073,000		56,291,000	72,025,000	73,255,000		94,174,000	83,140,000	52,403,000		58,875,000	86,785,000	46,231,000		60,785,000	63,645,000	47,227,000		103,671,000	81,568,000	45,176,000	58,912,000	58,417,000	52,720,000	96,305,000	119,533,000	98,008,000
securities available-for-sale, at fair value	1,157,480,000	1,177,688,000	1,146,721,000	1,161,701,000	1,168,797,000	1,229,618,000	1,335,622,000	1,455,068,000	1,539,359,000	1,609,759,000	1,734,416,000	1,816,450,000	1,692,488,000	715,188,000	579,948,000	593,280,000	496,178,000	448,421,000	447,436,000	449,694,000	484,648,000	488,422,000	509,090,000	541,248,000	543,644,000	550,942,000		533,484,000	568,227,000	611,054,000		531,057,000	764,551,000	500,912,000	456,066,000	408,836,000	399,836,000	400,212,000	372,191,000	373,478,000
federal home loan bank chicago (“fhlbc”) and federal reserve bank chicago (“frbc”) stock	28,282,000	19,087,000	19,441,000	19,441,000	28,518,000	35,830,000	36,730,000
loans held-for-sale	1,463,000	3,235,000	4,202,000	1,556,000	1,072,000	2,297,000	1,218,000	946,000	491,000	1,297,000	1,707,000	8,075,000	4,737,000	3,009,000	6,814,000	7,842,000	12,611,000	10,229,000	9,416,000	10,049,000	3,061,000	5,592,000	2,134,000	2,984,000	5,206,000	2,426,000		1,641,000	5,440,000	3,933,000		3,750,000	5,589,000	6,184,000	2,849,000	3,899,000	6,208,000	2,507,000	3,822,000	3,129,000	4,498,000	6,381,000	9,571,000	5,032,000	6,445,000	6,405,000	12,806,000	9,281,000	7,273,000	3,189,000		11,648,000	9,823,000	8,958,000		9,234,000	23,161,000	15,584,000
loans	5,265,014,000	3,998,667,000	3,940,232,000	3,981,336,000	3,969,411,000	4,029,543,000	4,015,525,000	4,003,354,000	3,869,609,000	3,869,334,000	3,625,070,000	3,402,370,000	3,421,948,000	1,867,942,000	1,903,366,000	1,959,625,000	2,034,851,000	2,030,327,000	2,052,336,000	1,957,204,000	1,930,812,000	1,899,811,000	1,903,146,000	1,897,027,000	1,849,162,000	1,601,812,000		1,594,191,000	1,539,647,000	1,488,021,000		1,202,852,000	1,161,151,000	1,138,838,000	1,133,715,000	1,132,912,000	1,158,883,000	1,111,237,000	1,101,256,000	1,077,640,000	1,102,703,000	1,113,302,000	1,150,050,000	1,208,289,000	1,238,134,000	1,322,348,000	1,368,985,000	1,423,957,000	1,530,406,000	1,601,761,000		1,815,667,000	1,899,030,000	1,958,101,000		2,152,691,000	2,212,977,000	2,252,424,000		2,251,425,000	2,215,927,000	2,179,656,000		1,889,471,000	1,832,220,000	1,776,289,000		1,785,406,000	1,746,536,000	1,739,046,000		1,670,650,000	1,631,903,000	1,590,038,000		1,454,344,000	1,425,361,000	1,391,220,000	1,257,735,000	1,182,639,000	1,115,800,000	1,025,580,000	827,318,000	755,160,000
less: allowance for credit losses on loans	75,037,000	42,990,000	41,551,000	43,619,000	44,113,000	51,729,000	55,314,000	53,392,000	49,480,000	48,847,000	45,388,000	44,308,000	44,281,000	26,949,000	28,639,000	30,967,000	33,855,000	32,918,000	31,273,000	30,045,000
net loans	5,189,977,000	3,955,677,000	3,898,681,000	3,937,717,000	3,925,298,000	3,977,814,000	3,960,211,000	3,949,962,000	3,820,129,000	3,820,487,000	3,579,682,000	3,358,062,000	3,377,667,000	1,840,993,000	1,874,727,000	1,928,658,000	2,000,996,000	1,997,409,000	2,021,063,000	1,927,159,000	1,911,023,000	1,880,160,000	1,883,830,000	1,878,021,000	1,829,841,000	1,583,624,000		1,577,726,000	1,523,811,000	1,472,280,000		1,187,869,000	1,145,329,000	1,122,592,000	1,117,492,000	1,116,299,000	1,140,562,000	1,085,761,000	1,073,975,000	1,048,093,000	1,067,661,000	1,074,668,000	1,111,453,000	1,168,032,000	1,197,848,000	1,274,738,000	1,316,988,000	1,364,105,000	1,464,388,000	1,528,633,000		1,747,503,000	1,818,071,000	1,891,288,000		2,094,688,000	2,138,426,000	2,206,136,000		2,227,250,000	2,194,344,000	2,159,509,000		1,872,167,000	1,815,471,000	1,760,040,000		1,769,062,000	1,730,443,000	1,723,155,000		1,654,811,000	1,616,378,000	1,574,624,000		1,436,174,000	1,407,047,000	1,372,909,000	1,240,128,000	1,165,755,000	1,099,545,000	1,011,094,000	815,892,000	744,939,000
premises and equipment	87,714,000	85,702,000	87,466,000	87,311,000	81,290,000	76,472,000	72,797,000	72,547,000	72,355,000	77,301,000	81,901,000	86,156,000	88,005,000	44,120,000	44,544,000	45,055,000	45,477,000	44,914,000	44,536,000	44,579,000	44,354,000	42,900,000	42,025,000	42,439,000	42,532,000	37,209,000		37,971,000	38,061,000	38,594,000		39,092,000	38,953,000	39,151,000	39,612,000	39,701,000	41,696,000	45,716,000	46,005,000	46,392,000	46,793,000	47,356,000	47,002,000	48,509,000	49,196,000	49,830,000	50,477,000	51,972,000	52,692,000	53,650,000		55,601,000	56,505,000	57,294,000		59,571,000	60,557,000	61,459,000		63,216,000	61,992,000	61,200,000		49,051,000	49,452,000	49,542,000		45,736,000	43,534,000	43,368,000		39,731,000	38,086,000	37,651,000		33,645,000	33,468,000	33,199,000	32,341,000	31,420,000	30,556,000	28,714,000	24,158,000	22,392,000
other real estate owned	6,416,000	6,486,000	2,878,000	21,617,000	5,123,000	407,000	761,000	1,255,000	1,561,000	1,561,000	1,624,000	2,374,000	2,356,000	1,912,000	1,877,000	2,163,000	2,474,000	2,686,000	5,082,000	5,049,000	5,004,000	4,682,000	6,365,000	7,175,000	8,912,000	7,063,000		9,024,000	11,724,000	13,481,000		14,144,000	16,252,000	17,745,000	19,141,000	24,451,000	31,964,000	40,220,000	41,537,000	49,066,000	59,465,000	65,663,000	72,423,000	88,093,000	89,671,000	101,680,000	93,290,000	100,554,000	82,611,000	85,570,000		54,577,000	47,128,000	49,855,000		24,492,000	15,590,000	18,951,000		925,000	608,000							83,000	333,000	251,000								921,000			62,000	61,000
mortgage servicing rights, at fair value	9,549,000	9,680,000	9,938,000	10,374,000	10,564,000	11,461,000	11,041,000	10,784,000	11,189,000	11,461,000	10,722,000	10,376,000	7,097,000	5,320,000	5,267,000	5,889,000
goodwill	130,262,000	93,232,000	93,232,000	93,260,000	86,478,000	86,478,000	86,478,000	86,478,000	86,478,000	86,478,000	86,332,000	86,332,000	86,332,000																																													57,579,000		59,053,000	59,014,000	59,078,000		2,130,000	2,130,000	2,130,000		2,130,000	2,130,000	2,130,000		2,130,000	2,130,000	2,130,000		2,130,000	2,130,000	2,130,000	2,130,000	2,130,000	2,130,000	2,130,000	2,236,000	2,453,000
core deposit intangible	24,927,000	19,972,000	20,994,000	22,031,000	10,637,000	11,820,000	12,436,000	13,054,000	13,678,000	14,323,000	14,980,000	15,639,000	16,304,000																									665,000	1,177,000
bank-owned life insurance	129,057,000	114,399,000	113,249,000	112,751,000	110,490,000	108,187,000	107,268,000	106,850,000	106,608,000	105,642,000	105,496,000	105,424,000	105,300,000	64,265,000	63,859,000	63,436,000	63,102,000	62,222,000	61,763,000	61,714,000	61,763,000	62,589,000	62,002,000	61,544,000	61,159,000	60,808,000		61,403,000	61,041,000	60,691,000		60,036,000	59,653,000	59,334,000	58,028,000	57,647,000	57,444,000	55,768,000	55,410,000	55,005,000	54,586,000	54,610,000	54,203,000	53,841,000	53,416,000	53,090,000	52,595,000	52,096,000	51,863,000	51,429,000		50,502,000	50,876,000	50,614,000		49,702,000	49,228,000	48,881,000
deferred tax assets	33,374,000	20,395,000	23,684,000	26,619,000	31,699,000	44,051,000	39,827,000	37,845,000	44,750,000	49,620,000	32,481,000	22,628,000	6,100,000	7,335,000	6,696,000	8,067,000	8,121,000	9,626,000	13,242,000	14,292,000	11,459,000	12,691,000	17,271,000	21,280,000	27,812,000	26,581,000		42,394,000	45,356,000	49,699,000		55,536,000	57,738,000	64,505,000	64,552,000	65,150,000	65,473,000	74,453,000	75,303,000	78,865,000
other assets	76,728,000	53,974,000	51,079,000	55,670,000	58,012,000	64,688,000	106,943,000	52,267,000	56,012,000	54,209,000	54,454,000	55,579,000	60,439,000	43,387,000	43,679,000	40,739,000	47,053,000	50,349,000	36,990,000	35,964,000	26,474,000	25,766,000	20,902,000	23,473,000	26,355,000	26,050,000		23,241,000	14,595,000	18,708,000		18,327,000	18,762,000	14,701,000	17,674,000	16,054,000	15,780,000	19,426,000	14,284,000	23,137,000	29,317,000	30,081,000	24,160,000	36,090,000	40,217,000	38,945,000	34,534,000	43,369,000	48,027,000	52,585,000
total assets	6,991,754,000	5,701,294,000	5,727,686,000	5,649,377,000	5,616,072,000	5,758,156,000	5,883,942,000	5,920,283,000	5,888,317,000	5,967,705,000	6,005,543,000	6,223,746,000	6,212,189,000	3,275,132,000	3,250,634,000	3,166,652,000	3,040,837,000	2,974,824,000	2,932,436,000	2,656,810,000	2,635,545,000	2,614,315,000	2,623,531,000	2,676,003,000	2,649,748,000	2,366,485,000	2,318,798	2,360,407,000	2,343,441,000	2,353,313,000	2,142,748,000	2,112,751,000	2,159,774,000	2,121,295,000	2,077,863,000	2,049,594,000	2,065,053,000	2,059,419,000	2,004,034,000	2,032,788,000	1,932,934,000	1,954,044,000	2,045,799,000	1,903,400,000	1,985,658,000	1,981,548,000	1,941,418,000	1,940,704,000	1,981,409,000	2,115,406,000	2,426,356	2,297,904,000	2,462,760,000	2,497,685,000	2,813,221	2,699,094,000	2,720,237,000	2,901,857,000	2,920,591	2,950,174,000	2,955,967,000	3,000,645,000	2,515,740	2,631,556,000	2,555,611,000	2,444,031,000	2,377,771	2,412,664,000	2,423,139,000	2,364,399,000	2,239,334	2,346,745,000	2,236,540,000	2,201,595,000	1,963,535	2,074,659,000	2,001,071,000	1,900,405,000	1,739,395,000	1,709,229,000	1,623,621,000	1,580,729,000	1,332,718,000	1,214,796,000

liabilities
deposits:
noninterest bearing demand	1,738,028,000	1,704,083,000	1,713,711,000	1,704,920,000	1,799,927,000	1,862,659,000	1,897,694,000	1,950,144,000	2,051,702,000	2,098,144,000	2,078,272,000	1,461,712,000	1,428,055,000	1,037,638,000	1,028,558,000	982,664,000	909,505,000	889,085,000	890,636,000	702,598,000	669,795,000	643,355,000	629,909,000	618,830,000	620,807,000	582,766,000		556,874,000	546,463,000	559,666,000		473,477,000	477,883,000	461,764,000	442,639,000	430,810,000	432,773,000	387,090,000	373,389,000	373,499,000	366,406,000	351,328,000	379,451,000	381,111,000	412,635,000	369,619,000	361,963,000	347,154,000	343,789,000	371,940,000		312,738,000	327,599,000							312,988,000	316,559,000	312,813,000		281,085,000	258,946,000	259,349,000
interest bearing:
savings, now, and money market	2,763,990,000	2,400,235,000	2,434,579,000	2,315,134,000	2,221,696,000	2,273,671,000	2,368,033,000	2,516,170,000	2,617,100,000	2,726,596,000	2,803,201,000	3,605,457,000	3,534,367,000	1,366,138,000	1,305,180,000	1,290,937,000	1,202,134,000	1,185,731,000	1,133,283,000	1,043,572,000	1,015,285,000	1,004,501,000	1,061,216,000	1,040,668,000	1,058,295,000	998,008,000		947,969,000	971,715,000	991,700,000		904,137,000	902,576,000	929,742,000	908,598,000	878,226,000	877,587,000	872,521,000	836,300,000	809,521,000	827,952,000	865,863,000	826,976,000	798,281,000	800,200,000	811,872,000	761,335,000	737,165,000	738,027,000	762,539,000		880,848,000	991,125,000	981,225,000		994,976,000	938,215,000	902,439,000		981,502,000	1,015,157,000	969,912,000		912,141,000	853,263,000	828,102,000		813,641,000	802,196,000	769,821,000
time	1,258,232,000	694,121,000	704,501,000	748,677,000	586,652,000	477,990,000	451,855,000	430,906,000	441,921,000	456,619,000	461,382,000	477,556,000	503,810,000	310,553,000	348,263,000	382,941,000	425,434,000	404,427,000	427,398,000	449,472,000	441,669,000	426,635,000	432,387,000	457,175,000	482,749,000	381,274,000		384,272,000	391,967,000	385,788,000		399,768,000	401,666,000	405,188,000	407,849,000	411,443,000	403,192,000	464,670,000	472,439,000	490,103,000	496,265,000	501,065,000	510,792,000	517,542,000	557,189,000	582,379,000	617,483,000	643,715,000	687,244,000	767,870,000		808,972,000	832,295,000	866,997,000		1,026,022,000	1,095,463,000	1,214,869,000		1,034,702,000	1,087,138,000	1,136,885,000		1,003,001,000	984,550,000	978,412,000		945,787,000	949,888,000	985,334,000		853,082,000	804,216,000	801,148,000		759,361,000	674,807,000	634,457,000	591,712,000	514,690,000	531,951,000	477,352,000	398,117,000	434,753,000
total deposits	5,760,250,000	4,798,439,000	4,852,791,000	4,768,731,000	4,608,275,000	4,614,320,000	4,717,582,000	4,897,220,000	5,110,723,000	5,281,359,000	5,342,855,000	5,544,725,000	5,466,232,000	2,714,329,000	2,682,001,000	2,656,542,000	2,537,073,000	2,479,243,000	2,451,317,000	2,195,642,000	2,126,749,000	2,074,491,000	2,123,512,000	2,116,673,000	2,161,851,000	1,962,048,000		1,889,115,000	1,910,145,000	1,937,154,000		1,777,382,000	1,782,125,000	1,796,694,000	1,759,086,000	1,720,479,000	1,713,552,000	1,724,281,000	1,682,128,000	1,673,123,000	1,690,623,000	1,718,256,000	1,717,219,000	1,696,934,000	1,770,024,000	1,763,870,000	1,740,781,000	1,728,034,000	1,769,060,000	1,902,349,000		2,002,558,000	2,151,019,000	2,164,462,000		2,335,667,000	2,349,277,000	2,438,490,000		2,329,192,000	2,418,854,000	2,419,610,000		2,196,227,000	2,096,759,000	2,065,863,000		2,017,831,000	2,008,021,000	2,004,479,000		1,946,854,000	1,909,520,000	1,836,579,000		1,849,430,000	1,709,195,000	1,572,661,000	1,544,080,000	1,484,172,000	1,396,097,000	1,375,498,000	1,126,841,000	1,035,486,000
securities sold under repurchase agreements	24,290,000	47,252,000	38,664,000	36,657,000	33,546,000	25,894,000	31,532,000	27,897,000	32,156,000	35,497,000	37,599,000	33,521,000	50,337,000	42,962,000	68,566,000	77,321,000	66,980,000	59,268,000	52,088,000	51,236,000	48,693,000	48,870,000	42,361,000	46,632,000	54,038,000	41,366,000	31,478	26,853,000	36,361,000	34,731,000	34,016,000	46,606,000	43,138,000	33,852,000	34,070,000	27,074,000	32,415,000	23,212,000	22,560,000	20,719,000	30,510,000	20,802,000	17,875,000	1,738,000	13,802,000	1,804,000	901,000	2,631,000	1,331,000	1,878,000	14,883	6,315,000	20,379,000	21,319,000	29,782	21,835,000	26,801,000	34,814,000	45,183	38,765,000	44,767,000	38,919,000	53,323	53,970,000	56,123,000	51,704,000		42,506,000	43,615,000	45,180,000		56,118,000	52,131,000	37,857,000		36,066,000	42,868,000	35,161,000	33,613,000	39,458,000	53,762,000	48,862,000	39,350,000	23,144,000
other short-term borrowings	165,000,000			20,000,000	220,000,000	435,000,000	485,000,000	315,000,000	90,000,000	25,000,000								6,125,000	8,250,000	6,375,000	48,500,000	84,000,000	85,000,000	149,500,000	76,625,000	45,000,000	67,959	125,000,000	75,000,000	85,000,000	26,518,000		50,000,000	20,000,000	15,000,000	35,000,000	20,000,000	20,000,000	5,000,000	55,000,000			100,000,000			15,000,000		4,315,000	4,133,000	4,579,000	5,095	4,426,000	4,860,000	4,390,000	44,734	9,739,000	11,175,000	10,973,000	137,800	222,756,000	108,006,000	103,497,000	76,600	139,365,000	167,692,000	101,702,000		133,724,000	162,386,000	105,433,000		141,698,000	73,153,000	136,611,000		1,269,000	80,877,000	123,020,000	4,015,000	26,008,000	18,192,000	11,765,000	13,575,000
junior subordinated debentures	25,774,000	25,774,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	25,773,000	57,734,000	57,722,000	57,698,000	57,686,000	57,662,000	57,650,000	57,615	57,627,000	57,615,000	57,603,000	57,567,000	57,579,000	57,567,000	57,555,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378,000	58,378	58,378,000	58,378,000	58,378,000	58,378	58,378,000	58,378,000	58,378,000	58,295	58,378,000	58,378,000	58,378,000	48,996	57,399,000	57,399,000	31,625,000	31,625	31,625,000	31,625,000	31,625,000	31,625	31,625,000	31,625,000	31,625,000		30,216,000
subordinated debentures	59,531,000	59,510,000	59,489,000	59,467,000	59,403,000	59,361,000	59,339,000	59,318,000	59,297,000	59,275,000	59,254,000	59,233,000	59,212,000	59,190,000	59,169,000																																																																	26,330,000
notes payable and other borrowings	14,812,000								9,000,000	10,000,000	11,000,000	17,992,000	19,074,000	20,155,000	21,234,000	22,314,000	23,393,000	24,469,000	25,541,000	26,609,000	6,673,000	8,856,000	13,207,000	15,379,000	23,496,000						477,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500,000	500	500,000	500,000	500,000	4,966	500,000	500,000	500,000	23,988	22,538,000	24,742,000	25,590,000
other liabilities	75,412,000	51,670,000	56,478,000	67,715,000	72,916,000	65,250,000	50,761,000	53,594,000	55,642,000	52,528,000	35,625,000	31,678,000	45,054,000	47,037,000	33,525,000	29,187,000	36,156,000	39,329,000	42,628,000	41,101,000	25,062,000	26,111,000	14,315,000	16,894,000	22,154,000	12,337,000	22,131	17,016,000	29,182,000	12,526,000	12,929,000	14,057,000	13,823,000	10,945,000	9,900,000	9,520,000	9,967,000	38,560,000	42,776,000	38,029,000	36,821,000	35,254,000	34,275,000	30,109,000	27,807,000	26,385,000	21,856,000	23,568,000	22,033,000	22,536,000
total liabilities	6,125,069,000	4,982,645,000	5,033,195,000	4,978,343,000	5,019,913,000	5,225,598,000	5,369,987,000	5,423,413,000	5,427,176,000	5,533,991,000	5,556,639,000	5,757,428,000	5,710,162,000	2,953,900,000	2,934,696,000	2,855,539,000	2,733,750,000	2,678,556,000	2,649,920,000	2,391,033,000	2,357,681,000	2,344,294,000	2,380,276,000	2,446,922,000	2,439,934,000	2,162,484,000		2,159,644,000	2,152,311,000	2,170,996,000		1,941,124,000	1,992,153,000	1,964,546,000	1,921,934,000	1,895,951,000	1,879,812,000	1,909,931,000	1,856,342,000	1,890,749,000	1,861,832,000	1,878,190,000	1,973,247,000	1,832,659,000	1,915,511,000	1,910,937,000	1,867,416,000	1,862,426,000	1,900,435,000	2,035,220,000		2,136,335,000	2,299,234,000	2,309,945,000		2,488,279,000	2,512,976,000	2,636,816,000		2,752,006,000	2,755,842,000	2,801,874,000		2,488,977,000	2,421,236,000	2,281,810,000		2,258,110,000	2,267,811,000	2,207,717,000		2,198,622,000	2,092,016,000	2,063,807,000		1,945,269,000	1,878,586,000	1,776,963,000	1,625,640,000	1,598,263,000	1,486,535,000	1,451,582,000	1,209,349,000	1,097,291,000
stockholders’ equity																																																			175,850				234,905				196,110				148,652				154,690				144,843				125,998
common stock	53,015,000	45,094,000	45,094,000	44,908,000	44,908,000	44,705,000	44,705,000	44,705,000	44,705,000	44,705,000	44,705,000	44,705,000	44,705,000	34,957,000	34,957,000	34,957,000	34,957,000	34,957,000	34,957,000	34,957,000	34,854,000	34,825,000	34,825,000	34,720,000	34,717,000	34,717,000		34,626,000	34,626,000	34,570,000		34,533,000	34,533,000	34,427,000	34,427,000	34,423,000	34,423,000	18,840,000	18,830,000	18,830,000	18,780,000	18,780,000	18,729,000	18,729,000	18,729,000	18,729,000	18,628,000	18,628,000	18,628,000	18,628,000		18,467,000	18,467,000	18,495,000		18,373,000	18,373,000	18,373,000		18,302,000	18,291,000	18,286,000		16,691,000	16,691,000	16,683,000		16,634,000	16,630,000	16,631,000		16,570,000	16,570,000	16,568,000		16,490,000	8,245,000	8,242,000	8,221,000	8,221,000	8,221,000	8,159,000	6,116,000
additional paid-in capital	340,108,000	206,207,000	205,282,000	205,284,000	203,129,000	201,553,000	200,963,000	200,121,000	202,276,000	201,700,000	201,282,000	203,190,000	202,443,000	121,074,000	120,572,000	120,075,000	122,212,000	121,746,000	121,437,000	121,081,000	120,657,000	120,291,000	119,126,000	119,081,000	118,082,000	117,379,000		117,458,000	117,186,000	116,938,000		116,468,000	116,311,000	116,087,000	115,918,000	115,773,000	115,651,000	66,297,000	66,212,000	66,168,000	66,162,000	66,109,000	66,189,000	66,118,000	66,051,000	65,985,000	65,999,000	65,714,000	65,539,000	65,286,000		64,800,000	64,547,000	64,315,000		64,184,000	63,956,000	63,677,000		58,504,000	58,102,000	57,776,000		15,867,000	15,692,000	15,341,000		14,758,000	14,658,000	14,605,000		13,732,000	13,732,000	13,698,000		12,373,000	12,373,000	12,316,000	11,678,000	11,678,000	11,678,000	10,139,000
retained earnings	512,131,000	505,419,000	486,300,000	469,165,000	412,388,000	377,320,000	355,219,000	331,890,000	310,512,000	289,126,000	271,831,000	261,807,000	252,011,000	262,513,000	255,536,000	248,165,000	236,579,000	228,825,000	218,856,000	209,915,000	213,723,000	204,486,000	183,634,000	175,463,000	157,796,000	151,833,000		145,767,000	138,442,000	133,281,000		124,283,000	121,080,000	117,531,000	114,209,000	110,376,000	106,791,000	94,693,000	92,549,000	92,612,000	19,958,000	16,747,000	12,048,000	11,795,000	12,930,000	12,916,000	17,107,000	21,314,000	23,894,000	24,056,000		106,103,000	107,781,000	132,436,000		152,655,000	152,442,000	212,658,000		220,447,000	218,516,000	213,381,000		205,262,000	201,001,000	197,089,000		188,768,000	185,660,000	181,167,000		170,837,000	165,410,000	160,595,000		149,228,000	152,795,000	148,885,000	140,004,000	135,425,000	131,270,000	123,877,000	111,427,000	104,856,000
accumulated other comprehensive loss	-32,294,000	-37,426,000	-41,379,000	-47,748,000	-63,361,000	-90,619,000	-86,186,000	-79,100,000																				-632,000	-2,668,000	-6,128,000		-7,437,000	-8,083,000	-15,330,000	-12,659,000	-10,963,000	-7,211,000	-7,493,000	-7,038,000	-12,435,000	-10,484,000	-2,202,000		-2,556,000	-3,965,000
treasury stock	-6,275,000	-645,000	-806,000	-575,000	-905,000	-401,000	-746,000	-746,000	-3,228,000	-3,428,000	-3,670,000	-5,900,000	-5,900,000	-109,561,000	-109,560,000	-105,350,000	-101,423,000	-100,304,000	-99,156,000	-98,357,000	-95,932,000	-95,952,000	-96,066,000	-96,104,000	-96,294,000	-96,294,000		-96,456,000	-96,456,000	-96,344,000		-96,220,000	-96,220,000	-95,966,000	-95,966,000	-95,966,000	-95,966,000	-95,849,000	-95,803,000	-95,803,000	-95,710,000	-95,710,000		-94,956,000	-94,956,000
total stockholders’ equity	866,685,000	718,649,000	694,491,000	671,034,000	596,159,000	532,558,000	513,955,000	496,870,000	461,141,000	433,714,000	448,904,000	466,318,000	502,027,000	321,232,000	315,938,000	311,113,000	307,087,000	296,268,000	282,516,000	265,777,000	277,864,000	270,021,000	243,255,000	229,081,000	209,814,000	204,001,000		200,763,000	191,130,000	182,317,000		171,627,000	167,621,000	156,749,000	155,929,000	153,643,000	185,241,000	149,488,000	147,692,000	142,039,000	71,102,000	75,854,000	72,552,000	70,741,000	70,147,000	70,611,000	74,002,000	78,278,000	80,974,000	80,186,000		161,569,000	163,526,000	187,740,000		210,815,000	207,261,000	265,041,000		198,168,000	200,125,000	198,771,000		142,579,000	134,375,000	162,221,000		154,554,000	155,328,000	156,682,000		148,123,000	144,524,000	137,788,000		129,390,000	122,485,000	123,442,000	113,755,000	110,966,000		129,147,000
total liabilities and stockholders’ equity	6,991,754,000	5,701,294,000	5,727,686,000	5,649,377,000	5,616,072,000	5,758,156,000	5,883,942,000	5,920,283,000	5,888,317,000	5,967,705,000	6,005,543,000	6,223,746,000	6,212,189,000	3,275,132,000	3,250,634,000	3,166,652,000	3,040,837,000	2,974,824,000	2,932,436,000	2,656,810,000	2,635,545,000	2,614,315,000	2,623,531,000	2,676,003,000	2,649,748,000	2,366,485,000		2,360,407,000	2,343,441,000	2,353,313,000		2,112,751,000	2,159,774,000	2,121,295,000	2,077,863,000	2,049,594,000	2,065,053,000	2,059,419,000	2,004,034,000	2,032,788,000	1,932,934,000	1,954,044,000	2,045,799,000	1,903,400,000	1,985,658,000	1,981,548,000	1,941,418,000	1,940,704,000	1,981,409,000	2,115,406,000	2,426,356	2,297,904,000	2,462,760,000	2,497,685,000	2,813,221	2,699,094,000	2,720,237,000	2,901,857,000	2,920,591	2,950,174,000	2,955,967,000	3,000,645,000	2,515,740	2,631,556,000	2,555,611,000	2,444,031,000	2,377,771	2,412,664,000	2,423,139,000	2,364,399,000	2,239,334	2,346,745,000	2,236,540,000	2,201,595,000	1,963,535	2,074,659,000	2,001,071,000	1,900,405,000	1,739,395,000	1,709,229,000		1,580,729,000
senior notes								44,611,000	44,585,000	44,559,000	44,533,000	44,506,000	44,480,000	44,454,000	44,428,000	44,402,000	44,375,000	44,349,000	44,323,000	44,297,000	44,270,000	44,244,000	44,183,000	44,158,000	44,108,000	44,083,000	44,010	44,033,000	44,008,000	43,982,000	2,050,000
federal home loan bank chicago (fhlbc) and federal reserve bank chicago (frbc) stock								30,205,000	20,530,000	19,413,000	20,413,000	21,974,000	13,257,000	9,917,000	9,917,000	9,917,000	9,917,000	9,917,000	9,917,000
accumulated other comprehensive income									-93,124,000	-98,389,000	-65,244,000	-37,484,000	8,768,000	12,249,000	14,433,000	13,266,000	14,762,000	11,044,000	6,422,000	-1,819,000	4,562,000	6,371,000	1,736,000	-4,079,000	-4,487,000	-3,634,000																														1,580,000						4,086,000														1,637,000		4,337,000	4,190,000	5,457,000	5,002,000	5,868,000	6,225,000
goodwill and core deposit intangible														20,433,000	20,546,000	20,661,000	20,781,000	20,901,000	21,023,000	21,147,000	21,275,000	21,404,000	21,682,000	21,814,000	22,074,000	8,901,000		8,944,000	8,968,000	8,993,000
mortgage servicing rights																	4,224,000	5,010,000	4,479,000	4,108,000	5,935,000	5,361,000	6,715,000	7,357,000	7,812,000	7,541,000		6,684,000	6,528,000	6,608,000		5,075,000	4,698,000	5,052,000	5,847,000	5,470,000	5,884,000	5,614,000	5,807,000	5,456,000	5,301,000	4,469,000	4,116,000	3,603,000	3,531,000	3,806,000	3,487,000	3,605,000	4,018,000	4,330,000		2,453,000	2,344,000	2,821,000		1,579,000	1,725,000	1,325,000		2,104,000	2,200,000	2,108,000		2,724,000	2,842,000	2,957,000		2,900,000	2,721,000	2,458,000		1,883,000	1,337,000						148,000	148,000	170,000	188,000		187,000
federal home loan bank chicago ("fhlbc") and federal reserve bank chicago ("frbc") stock																				9,917,000	9,917,000	10,711,000	11,179,000	13,433,000	9,093,000	7,468,000		10,393,000	8,593,000	8,593,000
less: allowance for loan and lease losses																					19,789,000	19,651,000	19,316,000	19,006,000	19,321,000	18,188,000
interest bearing deposits with financial institutions																									31,147,000	18,394,000	12,224	14,730,000	18,483,000	19,347,000	33,226,000	160,744,000	7,525,000	9,481,000	13,363,000	18,329,000	9,352,000	14,242,000	14,450,000	32,586,000	55,594,000	63,915,000	84,286,000	34,056,000	85,014,000	41,162,000	48,257,000	79,334,000	69,696,000	137,556,000		16,178,000	84,997,000	63,977,000		75,456,000	3,241,000	293,000		417,000	237,000	1,723,000		649,000	126,000	604,000
securities:
taxable																											347,712				635,914,000																				154,485				193,952				326,542				364,942				319,992				338,167				320,185
non-taxable																											208,142				36,643,000																				45,435				135,644				151,408				147,875				140,864				139,137				97,221
total securities																											555,854				672,557,000																				199,920				329,596				477,950				512,817				460,856				477,304				417,406
dividends from fhlbc and frbc																											8,127				7,944,000
loans and loans held-for-sale1																											1,537,742				1,218,931,000
total interest earning assets																											2,113,947				1,932,658,000																				2,189,354				2,599,387				2,692,648				2,355,624				2,218,993				2,107,496				1,858,710
allowance for loan and lease losses																											-16,390
other noninterest bearing assets																											187,503				194,356,000
liabilities and stockholders' equity
now accounts																											425,435				389,266,000																				402,954				361,806				291,274				250,984				259,666
money market accounts																											278,826				273,101,000																				356,627				439,325				554,358				499,647				415,610
savings accounts																											261,974				256,905,000																				185,175				152,671				110,426				102,659				114,787				573,334				515,646
time deposits																											389,771				404,285,000																				840,647				1,092,598				1,085,924				985,861				947,577				819,341				696,013
interest bearing deposits																											1,356,006				1,323,557,000																				64,894				16,928				1,310				1,438				968				361				307
subordinated debt																															42,910,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000,000	45,000	45,000,000	45,000,000	45,000,000	45,000	45,000,000	45,000,000	45,000,000	40,451	45,000,000	45,000,000	45,000,000
total interest bearing liabilities																											1,557,068				1,487,095,000																				1,909,259				2,245,198				2,393,119				2,093,185				1,952,492				1,824,790				1,598,249
noninterest bearing deposits																											547,719				476,422,000																				322,480				314,436				312,943				257,090				254,609				253,649				227,912
stockholders' equity																											191,880				166,302,000
total liabilities and stockholders' equity																											2,318,798				2,142,748,000																																																		1,623,621,000		1,332,718,000	1,214,796,000
net interest income																											78,167				63,987,000																				79,660				90,158				92,926				71,887				74,123				76,801				70,323
net interest income (te) to total earning assets																											3.7				3,310
interest bearing liabilities to earning assets																											73.66				76,950
less: allowance for loan losses																												16,465,000	15,836,000	15,741,000		14,983,000	15,822,000	16,246,000	16,223,000	16,613,000	18,321,000	25,476,000	27,281,000	29,547,000	35,042,000	38,634,000	38,597,000	40,257,000	40,286,000	47,610,000	51,997,000	59,852,000	66,018,000	73,128,000		68,164,000	80,959,000	66,813,000		58,003,000	74,551,000	46,288,000		24,175,000	21,583,000	20,147,000		17,304,000	16,749,000	16,249,000
allowance for loan losses																															-15,955,000																				-74,487				-57,976				-22,058				-16,648				-16,085	16,344,000	16,093,000	15,891,000	-15,522	15,839,000	15,525,000	15,414,000	-18,295	18,170,000	18,314,000	18,311,000	17,607,000	16,884,000	16,255,000	14,486,000	11,426,000	10,221,000
securities held-to-maturity, at amortized cost																																		245,952,000	247,746,000	250,044,000	253,419,000	264,298,000	256,571,000	258,101,000
federal home loan bank and federal reserve bank stock																																7,918,000	7,918,000	8,518,000	8,518,000	8,271,000	8,271,000	10,292,000	10,292,000	10,292,000	10,292,000	11,202,000	11,202,000	11,800,000	12,177,000	12,583,000	14,050,000	14,050,000	14,050,000	14,050,000		13,691,000	13,691,000	13,044,000		13,044,000	13,044,000	13,044,000		12,334,000	10,417,000	10,417,000		8,947,000	8,946,000	8,783,000		8,783,000	8,783,000	8,806,000
preferred stock																																					31,553,000	73,000,000	72,942,000	72,667,000	72,396,000	72,130,000	71,869,000	71,611,000	71,358,000	71,108,000
core deposit																																								1,702,000	2,226,000	2,751,000	3,276,000
securities available-for-sale																																									584,937,000	575,746,000	579,886,000	412,346,000	398,895,000	359,371,000	307,564,000	188,187,000	145,613,000	142,225,000		168,427,000	216,934,000	210,542,000		242,354,000	246,318,000	359,590,000
core deposit intangible assets																																												3,813,000																								89,000	178,000	266,000		444,000	533,000	622,000		799,000	888,000	977,000	1,155,000	1,243,000	1,332,000	1,510,000	1,865,000	2,043,000
core deposit and other intangible assets																																													4,233,000	4,483,000		4,814,000	5,090,000	5,296,000		5,807,000	6,089,000	6,372,000		6,946,000	7,238,000	7,529,000		8,120,000	8,421,000	8,718,000
federal funds sold																																																		988,000	2,009	2,579,000	1,267,000	1,077,000	15,060	1,235,000	37,284,000	3,764,000	10,032	2,192,000	3,399,000	2,800,000	6,248	11,963,000	18,561,000	1,491,000	809				216				3,967	45,000,000	31,500,000		7,530,000			46,575,000	76,900,000	64,300,000
core deposit and other intangible asset																																															4,678,000
commitments and contingencies
preferred stock,																																															70,863,000	70,622,000	70,385,000	70,151,000		69,695,000	69,473,000	69,254,000				68,448,000
dividends from frb and fhlb stock																																																			13,467				13,044
loans and loans held-for-sale																																																			1,909,064				2,224,759
other noninterest-bearing assets																																																			273,819				228,875				200,085				126,989				121,749				92,297				70,892
liabilities and stockholders’ equity
total interest bearing deposits																																																			1,785,403				2,046,400
federal funds purchased																																																							15,938			28,100,000	45,420	17,900,000	38,300,000	88,000,000	58,777
accrued interest and other liabilities																																																			18,767	19,158,000	19,098,000	15,896,000	18,682	17,160,000	21,845,000	20,561,000	18,419	17,477,000	17,795,000	22,880,000	16,813	23,606,000	26,603,000	15,941,000	15,980	19,049,000	17,089,000	17,800,000	16,052	19,127,000	22,887,000	18,435,000	11,376	25,588,000	14,903,000	15,390,000	13,726,000	22,295,000	18,484,000	15,457,000	17,649,000	14,738,000
net interest income (tax equivalent) to total earning assets																																																			3.64				3.47				3.45				3.05				3.34				3.64				3.78
interest bearing liabilities to earnings assets																																																			87.21				86.37				88.88				88.86				87.99				86.59				85.99
short-term securities available-for-sale																																																								4,039,000	3,176,000	2,176,000
deferred tax asset																																																				66,739,000	65,106,000
accrued interest and other assets																																																				51,122,000	46,297,000	109,217,000		79,305,000	78,051,000	68,706,000		34,430,000	30,125,000	23,747,000		27,706,000	28,365,000	26,230,000		30,989,000	30,848,000	30,473,000		31,282,000	27,340,000	27,232,000		42,092,000	42,594,000	34,199,000	17,171,000	19,483,000	17,718,000	14,776,000	12,858,000	11,124,000
non-interest bearing demand																																																						316,240,000		314,669,000	315,599,000	321,182,000
accumulated other comprehensive
preferred stock, 1.00 par value; authorized 300,000 shares at september 30, 2009; series b, 5% cumulative perpetual, 73,000 shares issued and outstanding at september 30, 2009, 1,000.00 liquidation value																																																								68,827,000
preferred stock, 1.00 par value; authorized 300,000 shares at june 30, 2009; series b, 5% cumulative perpetual, 73,000 shares issued and outstanding at june 30, 2009, 1,000.00 liquidation value																																																									68,619,000
frb and fhlb stock																																																											10,816
loans and loans held for sale																																																											2,192,540				1,835,121				1,756,360				1,629,615				1,437,030
short-term securities available for sale																																																												1,170,000	1,096,000	820,000
securities available for sale																																																												426,039,000	461,212,000	543,681,000		518,056,000	504,648,000	487,176,000		445,437,000	463,363,000	454,345,000		525,707,000	453,595,000	479,290,000		437,685,000	418,093,000	391,004,000	363,757,000	370,811,000	386,176,000	377,482,000	333,093,000	302,483,000
loans held for sale																																																												11,589,000	7,053,000	10,709,000		9,087,000	13,649,000	8,426,000		5,509,000	11,433,000	10,817,000		8,650,000	12,392,000	11,930,000		18,463,000	15,283,000	19,890,000	23,653,000	59,822,000	33,212,000	48,469,000	23,083,000	31,167,000
bank owned life insurance																																																												48,823,000	48,556,000	48,223,000		47,514,000	46,968,000	46,344,000		43,071,000	42,588,000	42,099,000		21,322,000	21,104,000	20,889,000
preferred stock, 1.00 par value; authorized 300,000 shares; none issued
note payable																																																															16,338	18,410,000	16,660,000	14,975,000	7,905	13,375,000	5,075,000	3,200,000
securities sold under agreement to repurchase																																																																			46,461
federal funds purchased and other borrowed funds																																																																			128,861				114,560				71,515
interest bearing deposits with banks																																																																				117,000	108,000	115,000
demand																																																																				258,403,000	255,937,000	249,324,000		253,587,000	256,170,000	243,760,000		242,578,000	230,274,000	210,666,000	212,570,000	212,905,000	178,070,000	182,069,000	154,829,000	143,155,000
preferred stock, no par value; authorized 300,000 shares; none issued
interest bearing transaction accounts																																																																							237,027				244,806
repurchase agreements																																																																							45,993				37,006
notes payable																																																																							2,910	3,200,000	2,700,000	2,700,000	1,638	2,700,000	500,000	500,000					11,934,000	21,666,000
interest bearing balances with banks																																																																								72,000	35,000	56,000		62,000	555,000	88,000	272,000	22,000	59,000	59,000	80,000	79,000
savings																																																																								840,185,000	849,134,000	791,671,000		847,491,000	804,114,000	727,538,000	739,798,000	756,577,000	686,076,000	716,077,000	573,895,000	457,578,000
trust preferred debentures																																																																											31,625		30,243,000	30,231,000
trust preferred debentures note																																																																															30,206,000
total stockholders' equity																																																																																	137,086,000		123,369,000	117,505,000
surplus																																																																																			10,048,000	9,799,000
other short-term borrowing																																																																																				2,257,000
preferred stock, no par value;
authorized 300,000 shares; none issued
issued 6,103,830 in 2001 and 6,103,830 in 2000																																																																																				6,104,000
outstanding; 5,805,594 in 2001; 5,832,094 in 2000
unrealized net gain on securities available for sale																																																																																				3,943,000
271,736 shares in 2000																																																																																				-7,197,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-09-30	2022-06-30	2022-03-31	2021-06-30	2021-03-31	2020-09-30	2020-06-30	2020-03-31	2019-03-31	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31

cash flows from operating activities
net income	9,871,000	21,822,000	19,830,000	21,312,000	24,335,000	25,562,000	23,607,000	19,523,000	12,247,000	12,020,000	8,820,000	11,879,000	10,265,000	9,238,000	275,000	8,468,000	9,489,000	7,621,000	5,457,000	4,572,000	5,018,000	3,499,000	3,845,000	3,322,000	3,924,000	5,426,000	2,202,000	213,000	72,924,000	3,477,000	5,471,000	1,524,000	120,000	1,252,000	-2,968,000	-3,001,000	-1,390,000	1,013,000	-3,120,000	-88,000	-23,383,000	-8,554,000	1,472,000	-58,426,000	984,000	4,121,000	7,322,000	5,564,000	6,077,000	5,726,000	5,748,000
adjustments to reconcile net income to net cash from operating activities:
net premium / discount amortization on securities	482,000	459,000	457,000	821,000	880,000	827,000	799,000	959,000	1,491,000	1,809,000
securities losses					924,000	1,547,000	1,675,000											-102,000	131,000	136,000		1,959,000	0	61,000																		2,000
benefit from credit losses	19,653,000	2,500,000	2,400,000	3,500,000	3,000,000	2,000,000	3,501,000						300,000	2,129,000	7,984,000
originations of loans held-for-sale	-19,176,000	-22,000,000	-14,371,000	-9,103,000	-14,498,000	-14,364,000	-10,206,000	-15,455,000	-16,909,000	-32,739,000	-62,118,000	-78,284,000	-112,534,000	-133,436,000	-50,418,000	-25,815,000	-31,096,000	-37,998,000	-44,678,000	-30,401,000	-47,715,000	-63,488,000	-49,068,000	-34,630,000	-39,272,000	-94,954,000	-19,764,000	-29,896,000	-39,440,000
proceeds from sales of loans held-for-sale	21,255,000	23,254,000	12,115,000	9,536,000	13,691,000	14,314,000	9,957,000	16,059,000	22,413,000	30,791,000	64,657,000	85,914,000	116,475,000	137,864,000	45,706,000	27,224,000	33,305,000	42,410,000	44,336,000	32,313,000	47,407,000	66,923,000	50,929,000	32,395,000	42,681,000	94,348,000	21,592,000	30,053,000	41,269,000	61,942,000	57,755,000	80,971,000	82,267,000	67,594,000	72,729,000	74,144,000	53,727,000	46,660,000	56,889,000	99,862,000	76,665,000	62,235,000	86,107,000	146,279,000	143,097,000
net gains on sales of mortgage loans	-620,000	-550,000	-464,000	-314,000	-407,000	-398,000	-306,000	-449,000	262,000	-1,495,000	-1,895,000	-3,721,000	-5,246,000	-4,631,000	-2,246,000	-762,000	-917,000
mortgage servicing rights mark to market loss	389,000	531,000	570,000					-548,000	-82,000	-2,978,000			160,000	445,000	2,134,000
net accretion of discount on loans									-1,459,000	-2,382,000
net change in cash surrender value of boli	-1,175,000	-690,000	-498,000	-1,172,000	-919,000	-418,000	-242,000	-146,000	-72,000	-124,000	-423,000	-334,000	-459,000	-532,000	49,000
net incomees (gains) on sale of other real estate owned	0						28,000
benefit from other real estate owned valuation losses	70,000	157,000	454,000		0	0	269,000				61,000	6,000	46,000	60,000	158,000		112,000
depreciation of fixed assets and amortization of leasehold improvements	1,621,000	1,435,000	1,408,000	1,350,000	1,111,000	1,089,000	1,046,000	978,000	1,015,000	1,086,000	763,000	765,000	718,000	695,000	662,000	638,000	537,000	567,000
amortization of operating lease right-of-use asset	549,000	263,000	261,000
net gains on disposal and transfer of fixed assets					-1,000	-201,000	-434,000	89,000
amortization of core deposit intangibles	1,251,000	1,022,000	1,037,000	580,000	616,000	618,000	624,000	657,000	659,000	665,000	115,000	120,000	122,000	124,000	128,000
change in current income taxes receivable	-1,873,000	-8,492,000	5,797,000	4,825,000	1,526,000	-7,499,000	7,043,000	8,008,000	-3,684,000	2,955,000	-5,044,000	3,557,000	-1,918,000			673,000	1,093,000			67,000	-40,000	41,000			-16,000							0	0
deferred tax (benefit) expense				-375,000
change in accrued interest receivable and other assets	3,767,000	-1,819,000	1,171,000	1,543,000	40,541,000	-53,229,000	2,635,000	-5,964,000	6,098,000	902,000	1,986,000	2,200,000	-11,806,000	-3,257,000	-4,081,000	136,000	-4,081,000	-8,514,000	4,072,000	-2,407,000	2,606,000	493,000	-4,135,000	983,000	-262,000	4,339,000	-6,238,000	9,098,000	-1,761,000			10,818,000														1,097,000	-3,654,000	8,277,000
accretion of purchase accounting adjustment on time deposits	-242,000	-93,000	-274,000	-78,000	-303,000	-334,000	-367,000	-386,000	-397,000	-424,000						-25,000
amortization of junior subordinated debentures issuance costs	0												0	0	643,000	12,000	11,000	12,000	12,000	12,000	12,000	12,000	12,000	12,000
change in accrued interest payable and other liabilities	13,209,000	2,853,000	-15,989,000	14,059,000	13,700,000	635,000	-6,344,000	10,347,000	4,978,000	-12,011,000	2,760,000	-3,375,000	-2,518,000	1,653,000	8,925,000	-1,864,000	-152,000	-12,324,000	16,176,000	719,000	1,213,000	-61,000	1,180,000	-1,365,000	-912,000	608,000	-3,082,000	4,536,000	1,688,000	2,019,000	634,000	3,430,000	1,485,000	-216,000	3,420,000				513,000	137,000	2,623,000	619,000
payments on operating lease payable	52,000	-440,000	-441,000
stock based compensation	1,556,000	1,148,000	1,383,000	1,058,000	935,000	842,000	932,000	707,000	722,000	747,000	497,000	114,000	309,000	585,000	729,000	573,000	395,000	272,000	304,000	321,000	175,000	157,000	156,000	169,000	122,000	278,000	66,000	44,000	56,000	53,000	14,000	71,000	67,000	66,000	87,000	285,000	175,000	253,000	238,000	253,000	429,000	6,000	228,000	277,000	249,000				174,000	173,000	156,000
net cash from operating activities	35,941,000	24,245,000	17,838,000	47,290,000	81,759,000	-29,442,000	35,004,000	32,961,000	26,822,000	278,000	9,105,000	15,390,000	-4,058,000	11,791,000	9,022,000	12,498,000	9,016,000	-5,757,000	27,652,000	6,652,000	10,062,000	9,450,000	4,671,000	3,072,000	8,138,000	12,105,000	-4,942,000	15,541,000	4,180,000	13,370,000	2,165,000	14,623,000	10,775,000	6,572,000	11,333,000	8,613,000	9,364,000	4,843,000	6,483,000	8,762,000	28,063,000	16,137,000	19,916,000			6,214,000	4,367,000	21,781,000	7,723,000	13,415,000	4,322,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0
free cash flows	35,941,000	24,245,000	17,838,000	47,290,000	81,759,000	-29,442,000	35,004,000	32,961,000	26,822,000	278,000	9,105,000	15,390,000	-4,058,000	11,791,000	9,022,000	12,498,000	9,016,000	-5,757,000	27,652,000	6,652,000	10,062,000	9,450,000	4,671,000	3,072,000	8,138,000	12,105,000	-4,942,000	15,541,000	4,180,000	13,370,000	2,165,000	14,623,000	10,775,000	6,572,000	11,333,000	8,613,000	9,364,000	4,843,000	6,483,000	8,762,000	28,063,000	16,137,000	19,916,000			6,214,000	4,367,000	21,781,000	7,723,000	13,415,000	4,322,000
cash flows from investing activities
proceeds from maturities and calls, including pay down of securities available-for-sale	41,089,000	53,230,000	106,329,000	32,665,000	30,490,000	36,263,000	37,718,000	83,054,000	72,779,000	75,650,000	60,863,000	7,259,000	6,122,000	19,477,000	16,046,000
proceeds from sales of securities available-for-sale				5,331,000	65,572,000	73,996,000	66,170,000	0					0	-120,000	18,126,000	81,524,000	2,522,000	51,620,000	36,468,000	64,388,000	35,026,000	226,381,000	9,419,000	35,574,000	14,055,000	24,340,000	31,781,000	49,190,000	59,290,000	193,667,000	231,155,000	37,999,000	177,502,000	0	8,359,000	11,004,000	0	11,522,000	3,755,000	27,210,000	73,578,000	2,000,000	11,750,000	93,695,000	108,345,000
purchases of securities available-for-sale	-21,241,000	-79,642,000	-82,875,000	-15,661,000	0	0	-4,186,000	-520,000	-34,879,000	-266,250,000	-52,955,000	-109,708,000	-1,881,000	-6,700,000	-6,100,000	-46,176,000	-23,930,000	-41,216,000	-51,102,000	-154,653,000	-57,429,000	-30,552,000	-34,695,000	-88,005,000	-33,150,000	-35,875,000	-62,931,000	-44,661,000	-91,405,000
net (purchases) redemptions of fhlbc/frbc stock
net change in loans	-58,017,000	-64,156,000	36,815,000	70,048,000	-20,286,000	-11,521,000	-132,445,000	-243,673,000	-221,855,000	21,900,000	57,499,000	75,858,000	23,275,000	-95,929,000	-27,716,000	-6,140,000	17,208,000	-54,126,000	-51,895,000	-12,690,000	-53,939,000	-42,795,000	-23,323,000	-5,482,000	25,985,000	7,892,000	-15,474,000	-28,380,000	18,303,000	4,611,000	26,971,000	51,762,000	22,222,000	73,258,000	20,248,000	34,642,000	67,441,000	52,683,000	61,737,000	43,671,000	19,983,000	68,940,000	22,384,000	18,320,000	10,369,000
purchases of boli policies	0
proceeds from claims on boli, net of claims receivable													0
proceeds from sales of other real estate owned, net of participations	0	1,300,000	18,049,000
proceeds from disposition of premises and equipment					3,355,000	349,000	756,000											0
net purchases of premises and equipment	-1,226,000	-789,000	-1,609,000	-3,330,000	-5,170,000	-1,487,000	-1,560,000	-1,144,000	-1,039,000	-487,000	-252,000	-343,000	-1,096,000	-652,000	-887,000	-224,000	-118,000	-477,000	-163,000	-212,000	-823,000	-725,000	-336,000	-102,000	-216,000	-222,000	-355,000	-260,000	-273,000
cash received from acquisition	10,501,000	0	28,000
net cash from investing activities	91,787,000	-90,163,000	76,737,000	93,890,000	75,496,000	91,940,000	-42,922,000	-156,656,000	-173,163,000	-176,536,000	73,597,000	-26,609,000	29,249,000	-83,441,000	-220,000	37,391,000	3,253,000		-1,447,000	-87,230,000	-240,502,000	191,737,000	-25,156,000	-49,151,000	22,786,000	35,881,000	-45,990,000	-8,799,000	-19,582,000	-8,704,000	46,666,000		16,591,000			-73,037,000	33,067,000	60,774,000	75,138,000	95,188,000	19,119,000	92,317,000	32,848,000	138,216,000	53,323,000	-16,399,000	37,025,000	21,460,000
cash flows from financing activities
net change in deposits	-270,469,000	-54,259,000	84,334,000	37,607,000	-102,959,000	-179,304,000	-213,136,000	-61,110,000	-201,473,000	78,917,000	25,459,000	119,469,000	27,926,000	255,675,000	68,893,000	6,864,000	39,123,000	-21,030,000	-27,009,000	70,369,000	40,509,000	-4,743,000	-14,569,000	37,608,000	6,927,000	-13,656,000	42,153,000	9,005,000	-17,500,000	-27,633,000	1,037,000		-73,090,000	6,154,000	23,089,000										51,362,000		-460,000	11,341,000	99,468,000	30,896,000	3,170,000
net change in securities sold under repurchase agreements	-22,962,000	8,588,000	2,007,000	7,076,000	-5,638,000	3,635,000	-4,259,000	-2,102,000	4,078,000	-16,816,000	-8,755,000	10,341,000	7,180,000	852,000	2,543,000	-4,271,000	11,448,000	-9,508,000	1,630,000	9,016,000	-20,891,000	3,468,000	9,286,000	-218,000	-5,341,000	10,727,000	652,000	1,841,000	-9,791,000	9,708,000	2,927,000	16,137,000	-12,064,000	11,998,000	903,000						-940,000	2,945,000							-2,153,000	4,419,000	13,486,000
net change in other short-term borrowings	149,500,000	0	-20,000,000	-185,000,000	-50,000,000	170,000,000	225,000,000						-2,125,000	1,875,000	-42,125,000	-64,500,000	-70,000,000	50,000,000	-10,000,000	15,000,000	70,000,000	-50,000,000	30,000,000	5,000,000	15,000,000	-40,000,000	15,000,000	-50,000,000	55,000,000						15,000,000				438,000							114,750,000	2,462,000	18,590,000	-28,327,000
dividends paid on common stock	-3,155,000	-2,703,000	-2,694,000	-2,237,000	-2,235,000	-2,241,000	-2,237,000	-2,227,000	-2,231,000	-2,192,000	-1,449,000	-293,000	-296,000	-297,000	-300,000	-297,000	-296,000	-296,000	-296,000	-296,000	-296,000
purchase of treasury stock	-5,884,000	-62,000	-1,430,000	-776,000	0	0	-605,000	-47,000			-4,210,000	-6,178,000	-1,148,000	-1,028,000	-2,627,000	-417,000	-505,000	0	-112,000	-124,000	0	0			0	-71,000	-46,000	0	-93,000
net cash from financing activities	-152,970,000	-48,436,000	62,217,000	-143,231,000	-160,832,000	-52,910,000	-4,237,000	-41,486,000	-207,001,000	58,828,000	69,113,000	122,261,000	30,460,000	256,001,000	13,704,000	-64,788,000	-20,230,000	19,166,000	-35,787,000	93,923,000	87,827,000	-51,571,000	24,167,000	42,390,000	-15,668,000	-60,494,000	57,759,000	-39,154,000	27,616,000			136,422,000	-85,154,000	3,152,000	38,929,000														68,915,000
net change in cash and cash equivalents	-25,242,000	-114,354,000	156,792,000	-2,051,000	-3,577,000	9,588,000	-12,155,000	-165,181,000	-353,342,000	-117,430,000	151,815,000	111,042,000	55,651,000	184,351,000	22,506,000	-14,899,000	-7,961,000	-3,595,000	-9,582,000	13,345,000	-142,613,000			-3,689,000	15,256,000	-12,508,000	6,827,000	-32,412,000	12,214,000			56,266,000	-57,788,000	53,412,000	25,668,000		2,887,000	-68,665,000	75,691,000		32,216,000	17,884,000	31,280,000				-1,230,000	8,516,000
cash and cash equivalents at beginning of period	0	0	99,329,000	100,145,000	0	0	115,177,000	0	0	752,107,000	0	329,903,000	0	0	50,632,000	55,235,000	55,833,000	0	0	47,334,000	0	0	0	40,338,000	0	-3,463,000	47,660,000	0	0	0	128,507,000	0	0	0	50,949,000		0	0	98,758,000	0	0	79,796,000	0	0	73,214,000	0	0	64,739,000	0	0	88,525,000
cash and cash equivalents at end of period	-25,242,000	-114,354,000	256,121,000	98,094,000	-3,577,000	9,588,000	103,022,000	-165,181,000	-353,342,000	634,677,000	151,815,000	440,945,000	55,651,000	184,351,000	73,138,000	40,336,000	47,872,000	-3,595,000	-9,582,000	60,679,000	-142,613,000	149,616,000	3,682,000	36,649,000	15,256,000	-15,971,000	54,487,000	-32,412,000	12,214,000	-13,259,000	81,117,000	56,266,000	-57,788,000	53,412,000	76,617,000		2,887,000	-68,665,000	174,449,000	-60,062,000	32,216,000	97,680,000	31,280,000	43,826,000	43,073,000	-15,734,000	-1,230,000	73,255,000	11,034,000	30,737,000	52,403,000

securities gains																-27,000													7,000
net accretion of discount on loans and unfunded commitments		-329,000	-179,000	-157,000	-527,000	-913,000	-1,180,000
deferred tax expense		3,289,000	2,935,000		-2,493,000	762,000	1,442,000	-4,254,000	942,000	1,458,000	917,000	668,000
net redemptions of fhlbc/frbc stock
net incomees on sale of other real estate owned			236,000
securities (gains) losses				-1,000													-35,000
mortgage servicing rights mark to market (gain) loss				-94,000							1,033,000	-1,113,000
proceeds from redemptions (purchases) of fhlbc/frbc stock				4,837,000
proceeds from sales of other real estate owned, net of participations and improvements					635,000	865,000	300,000	96,000	727,000	118,000	240,000	325,000
repayment of term note					0	0	-9,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000	-1,000,000
vesting of restricted stock				99,000
mortgage servicing rights mark to market gain					-281,000	-96,000	525,000
net gains on sale of other real estate owned					-71,000			-33,000	-81,000	-49,000	-15,000	-20,000	-165,000	0	-23,000	-73,000	-80,000
net purchases of fhlbc/frbc stock					900,000
cash paid for acquisition, net of cash and cash equivalents acquired
net change in notes payable and other borrowings, excluding term note								0	-5,975,000	-81,000	-79,000	-78,000	-77,000
repayment of senior notes					0
purchases of fhlbc/frbc stock							-9,675,000	0	0	-8,717,000
provision for (release of) credit losses
provision for other real estate owned valuation losses
proceeds from sales of fhlbc/frbc stock								1,000,000
issuance of subordinated debentures, net of issuance costs
securities losses (gains)													1,000	0	24,000										57,000	52,000	69,000
release of benefit from credit losses
proceeds from disposition of fixed assets									6,240,000	1,250,000																		4,000			6,000
amortization of senior and subordinated debentures issuance costs										47,000
net premium / discount from amortization on securities											561,000	534,000	586,000	620,000	506,000
(release of) benefit from credit losses											-3,500,000	-3,000,000
net discount from accretion on loans											-68,000	-520,000	-235,000	-197,000	-409,000
redemption of junior subordinated debentures													0	0	-32,604,000
issuance of term note													0	0	20,000,000
securities losses
(benefit from) / benefit from deferred tax expense													1,810,000	-2,170,000	-333,000
amortization of purchase accounting adjustment on notes payable and other borrowings													5,000	8,000	12,000	27,000
amortization of senior notes issuance costs													26,000	26,000	27,000	25,000	25,000	25,000	26,000	26,000
net proceeds from sales of fhlbc stock																2,254,000
proceeds from sales of other real estate owned, net of participation purchase													2,829,000	0	311,000	874,000	1,335,000
proceeds from exercise of stock options																32,000																											0	0	55,000	107,000			1,000	143,000	277,000
change in current income taxes (payable) / receivable															-1,430,000
net change in notes payable and other borrowings, excluding term note issuance															-76,000
benefit from loan and lease losses
net discount / premium from accretion on loans
increase in cash surrender value of boli																-458,000	-248,000	-362,000	-350,000	-359,000
net (gains) on disposal and transfer of fixed assets
amortization of core deposit intangible																132,000														525,000	525,000
benefit from deferred tax expense																1,732,000	907,000	1,630,000	2,016,000	2,036,000	2,945,000	1,759,000	1,890,000	1,827,000	2,279,000	3,038,000	1,168,000																-5,149,000	35,798,000	1,461,000
proceeds from maturities and calls including pay down of securities available-for-sale																5,279,000	2,391,000	26,763,000	63,559,000	15,005,000	15,437,000	37,181,000	20,321,000	5,366,000	4,743,000	25,931,000	2,361,000	1,853,000	3,283,000	16,837,000	18,055,000
net disbursements from purchases of frb stock
proceeds from claims on boli
improvements in other real estate owned																	-59,000				0	-4,000	0	-12,000
cash paid for acquisition, net of cash and cash equivalents retained
net change in notes payable and other borrowings																-2,199,000
net premium / discount from amortization (accretion) on securities																723,000
benefit from (release of) loan and lease losses																450,000
change in fair value of mortgage servicing rights																819,000	-305,000	194,000	429,000	133,000	-1,001,000	146,000	733,000	1,041,000	688,000
net discount / premium from amortization on loans																-110,000
release for loan and lease losses																	-722,000
net premium amortization/discount (accretion) of purchase accounting adjustment on loans																	51,000
net premium amortization/discount (accretion) on securities																	706,000	1,027,000	171,000	122,000					72,000
amortization of core deposit																	21,000	24,000	25,000	25,000							512,000
net incomees on disposal and transfer of fixed assets
net disbursements/proceeds from sales (purchases) of fhlbc stock																	2,700,000
proceeds from claims on boli, net of premiums paid																	1,204,000
payment of senior note issuance costs																		0	0	-42,000
loan loss reserve																		300,000
net gain on sales of mortgage loans																		-1,095,000	-1,473,000	-1,147,000	-1,312,000	-2,177,000	-1,642,000	-1,212,000	-1,359,000	-2,656,000	-662,000	-1,026,000	-814,000
net discount accretion of purchase accounting adjustment on loans																		-265,000	-495,000	-355,000
net gain on sale of other real estate owned																		-276,000	-104,000	-74,000	-58,000	-249,000	-25,000	-42,000	-432,000	49,000	-386,000	-781,000	-608,000
benefit from other real estate owned losses																		920,000	392,000	318,000	265,000	365,000	489,000	451,000	1,128,000	2,261,000	436,000	1,756,000	1,961,000	2,589,000	1,987,000
net (gain) loss on disposal and transfer of fixed assets
proceeds from maturities and calls including pay down of securities held-to-maturity																					0	0	1,243,000	2,129,000	3,706,000	5,090,000	1,893,000	1,903,000
net disbursements/proceeds from (purchases) sales of fhlbc stock
net cash from (provided by) investing activities
change in current income taxes (payable) receivable																								-17,000				-31,000
net (gain) loss on disposal of fixed assets
loss on transfer of premises to other real estate owned
net proceeds from (purchases) sales of fhlbc stock
proceeds from sales of other real estate owned																			1,673,000	1,607,000	2,583,000	2,251,000	1,615,000	1,381,000	7,663,000	-1,282,000	5,955,000	11,565,000	12,071,000	8,190,000	11,842,000	18,137,000	4,849,000	10,697,000	5,369,000	13,437,000	9,871,000	10,459,000	9,357,000	4,057,000	4,854,000	5,436,000	2,021,000	3,268,000	799,000
depreciation and amortization of leasehold improvement																				593,000	606,000	585,000	534,000	563,000	600,000	572,000	644,000	647,000	674,000	727,000	746,000	735,000	759,000
net income on disposal of fixed assets																				2,000
net proceeds from sales/purchases of fhlbc stock																				-675,000
increase in cash surrender value of bank-owned life insurance																					-296,000	-383,000	-319,000	-285,000	-203,000	-279,000	-358,000	-405,000	-419,000
death claim on bank-owned life insurance
net discount (accretion)/premium amortization on securities																					-121,000						-474,000	-397,000
net gain on disposal of fixed assets
purchases of securities held-to-maturity																											-9,220,000	0
cash paid for acquisition, net of cash and cash equivalent retained
redemption of preferred stock																									-31,553,000
proceeds from the issuance of common stock
proceeds from the issuance of senior notes
repayment of subordinate debt
repayment of note payable
dividends paid on preferred stock																									-701,000
loan loss reserve release																									-2,100,000	-1,300,000	-1,000,000
proceeds from sales of federal home loan bank stock																						0			0
net premium (accretion)/amortization/discount on securities
dividends paid preferred stock
dividends paid common stock
net premium amortization/discount on securities																								-201,000
change in market value on mortgage servicing rights																											304,000			-345,000	106,000				123,000
gain on recapture of restricted stock																												0	0
tax effect on vesting of restricted stock																											29,000
change in market value of mortgage servicing rights																												-179,000				260,000	480,000				644,000			535,000
(release) benefit from loan losses																												-2,500,000
benefit from deferred tax benefit																												-215,000
death claim on bank owned life insurance																												0	0
amortization of core deposit and other intangible assets																																	420,000	250,000	195,000	136,000	276,000	206,000	229,000	282,000	283,000	282,000	292,000	291,000	292,000	301,000	296,000	200,000
net sales of federal reserve bank and federal home loan bank stock
investment in other real estate owned
benefit from loan losses																																0	0	200,000	6,084,000	1,387,000	3,000,000	500,000	4,000,000	11,825,000	44,623,000	19,220,000	9,650,000	47,500,000	9,425,000	6,300,000	1,900,000	900,000	600,000
change in current income taxes payable																																				1,000				0									-460,000	-1,464,000	2,120,000
net premium amortization on securities																														-252,000	414,000	279,000	111,000	150,000	403,000	39,000	19,000	33,000	65,000	107,000	112,000	141,000	26,000	157,000	233,000	177,000	174,000	153,000	129,000	242,000	264,000
proceed from disposition of fixed assets
supplemental cash flow information
income taxes paid																																																	2,578,000
interest paid for deposits																														2,041,000	2,124,000	2,148,000					4,091,000												18,898,000	17,837,000	17,377,000
interest paid for borrowings																														213,000	225,000	228,000					206,000
noncash transfer of loans to other real estate
noncash transfer of loans to securities available-for-sale
change in dividends declared not paid																																1,013,000
accretion on preferred stock warrants																														266,000	261,000	258,000					237,000
fair value difference on recapture of restricted stock																														0	43,000
non-cash transfer of loans to other real estate																															6,985,000
non-cash transfer of loans to securities available-for-sale																															5,329,000
purchases of fedral reserve bank stock
income taxes received																																0
non-cash transfer of loans to other real estate owned																																4,817,000					29,842,000
non-cash transfer of premises to other real estate owned
write-down of other real estate owned expensed
proceeds from maturities and pre-refunds including pay down of securities available-for-sale																																	-60,418,000	109,104,000	17,254,000		21,085,000	12,535,000	4,764,000	20,514,000	31,437,000	21,143,000	9,430,000	24,928,000	75,815,000
net sales (purchases) of federal reserve bank and federal home loan bank stock																																	377,000	406,000	1,467,000
write-down of other real estate owned																																		5,296,000	2,500,000		2,719,000	4,109,000	2,393,000	3,795,000	6,831,000	3,908,000	1,382,000	3,122,000	290,000
depreciation and amortization																																			801,000
depreciation																																				915,000	1,016,000	1,059,000	1,083,000	1,130,000	1,143,000	1,177,000	1,240,000	1,262,000	1,229,000	1,176,000	1,134,000	1,109,000	1,212,000	1,204,000	1,186,000
amortization of leasehold improvements
loss on transfer of mortgage servicing rights
origination of loans held-for-sale
net write-down of other real estate owned
proceeds from maturities including pay down of securities available-for-sale
purchases of federal reserve bank and federal home loan bank stock
dividends paid
purchases of treasury stock
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
amortization of leasehold improvement																																					0	1,000	1,000	1,000	0	127,000	77,000	58,000	33,000	64,000	45,000	41,000	217,000	43,000	43,000
tax effect from vesting of restricted stock
change in dividends declared or accrued not paid
income taxes (received) paid
amortization and recovery of mortgage servicing rights																																													241,000	109,000	-42,000	410,000	139,000	160,000	80,000
benefit from deferred tax (benefit) expense
impairment of goodwill																																											0
net change in federal funds purchased
proceeds from the issuance of preferred stock																																											0	0	68,245,000
proceeds from the issuance of common stock warrants																																											0	0	4,755,000
proceeds from notes payable and other borrowings																																											0	0	2,240,000	621,000	1,199,000	2,683,000
tax benefit from dividend equivalent payment																																											0	2,000	4,000
net (gain) loss on sale of other real estate owned
(gain) loss on sale of other real estate owned
purchase of bank-owned life insurance
proceeds from the issuance of subordinated debt																																														0	0	45,000,000
proceeds from junior subordinated debentures																																														0
tax benefit from stock options exercised																																														39,000			0	43,000	142,000
gain on sale of other real estate owned
gain on sales of mortgage loans
securities losses (gains)																																													77,000
loss on sale of other real estate owned																																													52,000
net cash (used in) financing activities
origination of loans held for sale
proceeds from sale of loans held for sale																																														47,343,000	93,322,000	113,386,000	53,924,000	69,573,000	53,992,000
increase in cash surrender value of bank owned life insurance
securities (gains)
stock-based compensation																																														255,000	252,000	253,000
proceeds from maturities and pre-refunds including pay down of securities available for sale																																														28,742,000	59,015,000	100,243,000	38,464,000	50,279,000	33,695,000
proceeds from sales of securities available for sale																																														0	58,238,000	3,581,000	0	0	560,000
purchases of securities available for sale
purchases of federal home loan bank stock
investment in unconsolidated subsidiary
purchase of bank owned life insurance
net sales of other real estate owned																																																	0	0	48,000
proceeds from to junior subordinated debentures																																																979,000
amortization of core deposit intangible assets
proceeds from the issuance of junior subordinated debentures																																																	0
proceeds from note payable																																																	1,750,000	19,360,000	2,050,000
interest paid for debt																																																	3,903,000	3,655,000	2,689,000
changes in dividends declared not paid																																																			6,000
gain on sales of loans held for sale
amortization of mortgage servicing rights
gain on sale of loans
proceeds from matured or called securities available for sale
purchase of fhlb stock
net change in other real estate
interest paid
gain on sale of loans held for sale
net change in repurchase agreements
net cash provided (used) by operating activities
proceeds from sales of securities held for sale
net change in other borrowings
adjustments to reconcile net income to net cash provided (used) by operating activities:
change in mortgage servicing rights
premium amortization and discount accretion on securities
proceeds from maturity of securities available for sale
change in other real estate owned
net cash used by investing activities
net change in notes payable
proceeds from sales of available for sale securities
sales of other real estate owned
proceeds from issuance of junior subordinate debentures
changes in mortgage servicing rights,net
net change in mortgage loans held for sale
change in income taxes payable
proceeds from sales and maturities of securities available for sale
sales of other real estate
proceeds from issuance of junior subordinated debentures
proceeds from notes payable
proceeds from issuance of trust preferred debentures
change in accrued interest and other assets
change in accrued interest and other liabilities
(purchase) sales of other real estate
net cash provided (used) by financing activities
amortization of mortgage servicing rights,net
change in net income taxes payable
property and equipment expenditures
net change in fed funds and repurchase agreements
proceeds from the issuance of subordinated debentures
paydown of notes payable
proceeds from exercise of incentive stock options
amortization and impairment of mortgage servicing rights,net
origination of mortgage servicing rights
gain on sale of securities
amortization of goodwill
net principal disbursed on loans
sale of mortgage servicing rights
gain sale of securities
net principal disbursed or repaid on loans
proceeds from sales of other real estate
proceeds from sale of mortgage servicing rights
adjustments to reconcile net income to
net cash provided (used) by operating activities:
valuation related to mortgage servicing rights
net change in other short-term borrowing

Old Second Bancorp, Inc(NASDAQ:OSBC)

Old Second Bancorp, Inc
(NASDAQ:OSBC)