Slide 1: Loan Portfolio Disclosures
Old Second Bancorp, Inc. Loan Portfolio Disclosures As of June 30, 2020
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
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
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.
Slide 5: Non-Owner Occupied CRE
Old Second 1Q24 Earnings Investor Presentation Non-Owner Occupied CRE Portfolio Composition (in millions) : a = ae se Industral $233 5% | 0.85% office $229 60% = S27 4% Mixed Use 72 6% S13 1.53% Hotel 349 49% 081% Parking Garage $35 1% 0.60% agg Gas Station $35 52% - 0.60% Senior Housing 28 Mh 0.85%
Slide 6: Non-Owner Occupied Office CRE
Old Second 1Q24 Earnings Investor Presentation Non-Owner Occupied Office CRE Portfolio Composition (in millions) Texas _ Colorado ctor tos 208 cox sor 405% * Chicago $43 75% $13 3.66% subuton s1as we 10% Ohoma ss oe oat conrato ss oe oat Teas 2 ou 060% Tova sx oon sor 14% Hinois - Suburban % Non-Own
Slide 7: Owner-Occupied CRE
Old Second 1Q24 Earnings Investor Presentation Owner-Occupied CRE Portfolio Composition (in millions) Wholesale Trade monn Industry aoa Health Care, Social Services $307, $48 287% Other Services $80 3 0.33% Retail Trade sm 6 0.70% Manufacturing S68 - 0.45% Wholesale Trade $48 - 0.31% RealEstate, Rea
Slide 8: Commercial & Industrial
Old Second 1Q24 Earnings Investor Presentation Commercial & Industrial Portfolio Composition (in millions) Manufacturing $208 si ther under ss0 Realestate, mon) consructon si? : teasing 1 aa Wholesale Trade sus st Iforaton, Fence sto 2 ‘Actinistration, ‘ransportation cmigration, Transport 101 . 8% P
Slide 9: Net Charge-offs (Recoveries) and Allowance for Credit Losses
Old Second 1Q24 Earnings Investor Presentation Net Charge-offs (Recoveries) (in thousands) Construction & Land Development . ($100) ($100) Non-Owner Occupied CRE ss $6,754 4.951 (67) $11,689 Office CRE = $6,754 $4951 S16 st172t Owner-Occupied CRE 198 $23 310,443 $3,868 314,532 Health Care - = $10,44