Old Second Bancorp, Inc. is a financial holding company. The Company conducts a full service community banking and trust business through its wholly owned subsidiaries. The Company’s subsidiaries include Old Second National Bank (the Bank); Old Second Financial, Inc., which provides insurance agency services; Old Second Capital Trust I and Old Second Capital Trust II, which were formed for the purpose of issuing trust preferred securities; Old Second Affordable Housing Fund, L.L.C., which was formed for the purpose of providing down payment assistance for home ownership to qualified individuals; Old Second Management, LLC (OSM); Old Second Acquisition, Inc., and Station I, LLC, a wholly owned subsidiary of the Bank, which was formed, in August 2008, to hold property acquired by the Bank. On February 8, 2008, the Company completed the acquisition of HeritageBanc, Inc., and its wholly owned banking subsidiary, Heritage Bank, a bank operating in the south Chicago suburbs.