Old Second Bancorp, Inc. · NASDAQ:OSBC

Old Second Bancorp — Earnings Presentation (January 2025)

9 slides from Old Second Bancorp's earnings presentation, Jan 22, 2025

  1. Slide 1: Loan Portfolio Disclosures

    Old Second Bancorp, Inc. Loan Portfolio Disclosures As of June 30, 2020 ​ ​

  2. Slide 2: Loan Portfolio Composition

    Loan Portfolio Composition Loan Portfolio Characteristics Balance Outstanding (000’s) $2,052,336 Total Commitment (000’s) $2,539,355 Average Loan Commitment $352,024 Number of Payment Deferrals /Modifications 449 Payment Modification Rate (% of Total Commitment)* 9.03% Loan Portfolio Characteristics

  3. Slide 3: Commercial and Industrial (includes Leasing)

    Commercial and Industrial (includes Leasing) Commercial and Industrial Portfolio Characteristics Balance Outstanding (000’s) $574,935 Total Commitment (000’s) $838,075 Average Loan Commitment $351,247 Number of Payment Deferrals /Modifications 164 Payment Modification Rate (% of Total Commitment)* 6

  4. Slide 4: CRE Owner-Occupied

    CRE Owner-Occupied CRE Owner-Occupied Portfolio Characteristics Balance Outstanding (000’s) $343,982 Total Commitment (000’s) $357,453 Average Loan Commitment $549,928 Number of Payment Deferrals /Modifications 72 Payment Modification Rate (% of Total Commitment) 15.97% Weighted Average Seasoning 6.

  5. Slide 5: CRE Investor

    Q4 2024 Loan Portfolio Disclosures Ola Second Commercial Real Estate Investor Portfolio Composition (in millions) — = ie Hotel $68 52% 111% Parking Garage $54 48% 0.88% Senior Living 349 5% | ost industrial Gas Station! Convenience $47 51% - 087% = Other (under $20 milion) $47 19% 1.01% Total $1,079

  6. Slide 6: Office Investor

    Old Second Q4 2024 Loan Portfolio Disclosures Office Commercial Real Estate Investor Portfolio Composition (in millions) oe _ Si winois 61% 3.06% Chicago $35 m% 3.20% Suburban 5145 see 82 3.02% Oktahoma sts eee 088% Texas 9 2% 084% colorado 6 sim 084% Total $210 82 273% Minois - Suburban 0 so 20 Se

  7. Slide 7: Owner-Occupied

    Old Second Q4 2024 Loan Portfolio Disclosures Commercial Real Estate Owner-Occupied Portfolio Composition (in millions) Manufacturing Indu: Outstanding 8% _ Wholesale Trade w ce Health Care, Social Services $267 - Other Services 7s 3 y Retail Trade $60 = Manufacturing $86 st Real Estate, Leasing S58

  8. Slide 8: Commercial (including Leases)

    Q4 2024 Loan Portfolio Disclosures Ola Second Commercial (including Leases) Portfolio Composition (in millions) Real Estate, other (under $50 i “shied Construction ‘S151 1 pots Ts sts _ ne ane : nat ns ona - : grt, Forestry ss : nie sing 5 : : \_ Wholesale Trade Total ‘$1,292 ‘$25 a Commercial Revol

  9. Slide 9: Net Charge-offs and Allowance for Credit Losses

    Q4 2024 Loan Portfolio Disclosures Ola Second Net Charge-offs (Recoveries) (in thousands) Commercial (incl. Leases) ($98) $36 $8,583 $8,583 0.87% Commercial Real Estate Investor (67) $4,560 (3149) (3173) S471 0.39% Office CRE S16 $4,128 = = $4144 1.84% Commercial Real Estate OwnerOccupied $3,868 1,1

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