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OLD SECOND BANCORP, INC. ANNUAL REPORT 2021UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
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Obtain a copy of the official Form 10-K document from the SEC website or the company's investor relations page.
02
Review the general information section to understand the company's business model, executives, and geographic presence.
03
Carefully read the financial statements, including the balance sheet, income statement, and cash flow statement, to assess the company's financial health.
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Analyze the footnotes and management discussion and analysis (MD&A) section for insights into the company's performance and future prospects.
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Consider any risk factors disclosed in the document to evaluate potential risks associated with investing in the company.
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Check for any updates or amendments to the Form 10-K that may have been filed by the company.

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Form 10-K is an annual report filed by companies with the Securities and Exchange Commission (SEC) that gives a comprehensive summary of a company's financial performance.
Publicly traded companies are required to file Form 10-K with the SEC.
Form 10-K is typically filled out by the company's management team, including financial officers and legal counsel, and must be filed electronically through the SEC's EDGAR system.
The purpose of Form 10-K is to provide investors with detailed information about a company's financial performance, risks, and management.
Form 10-K includes information such as financial statements, management's discussion and analysis, market risks, legal proceedings, and more.
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