Old Second Bancorp, Inc. · NASDAQ:OSBC
Old Second Bancorp — Investor Presentation (October 2021)
14 slides from Old Second Bancorp's investor presentation, Oct 21, 2021
Slide 1: Loan Portfolio Disclosures
Old Second Old Second Bancorp, Inc. Loan Portfolio Disclosures As of September 30, 2021
Slide 2: Loan Portfolio Composition
Loan Portfolio Composition Loan Portfolio Characteristics Balance Outstanding (000's) $1,867,942 Total Commitment (000) $235,723 Ieee et 238961 NumoerotAcive Payment Deel loticatons 2 Payment Modification Rate (% of Total Commitment)" 0.38% Res owner ecples Loan Type Res Investor = a ; WY consumer <
Slide 3: Commercial and Industrial
Commercial and Industrial Old Second Commercial and Industrial Portfolio Characteristic Balance Outstanding (000's) $321,548 + Lending focused on full relationship, small and middle market businesses Commercial and industrial Portfolio Characteristics + Well dversiied by industry with limited exposu
Slide 4: Leasing
Leasing Cc © Old Second Balance Outstanding (000's) $162,444 + DedicatedLeasing Service lending team + Well diversified by industry and by geography with minimal exposure to high risk Total Commitment (000's) $162,085 industries + Leases over $MM are underwniten by the Bank's centralized creat depar
Slide 5: CRE Owner-Occupied
CRE Owner-Occupied Old Second Balance Outstanding (000's) $330,648 + Lending focused on fullrelationship, small and middle market businesses + Well diversified by industy with limited exposure tothe Accommodation and Total Commitment (000's) $341,783 Food Service andEntertainmentindustries aes Gn CO
Slide 6: Investor CRE
Investor CRE Old Second Investor CRE Portfolio Characteristics Investor CRE Portfolio Characteristics Balance Outstanding (00's) Total Commitment (000's) Average Loan Commitment Number of Active Payment Deferrals Modifications Payment Modification Rate (% of Total Commitment) Weighted Average Season
Slide 7: Multifamily
Multifamily Old Second Muttifamily Portfolio Characteristics ily Portfolio Character Balance Outstanding (000's) $160,798 Total Commitment (000's) $162,075 Average Loan Commitment $844,140 Number of Active Payment Deferrals Modifications ° Payment Modification Rate (% of Total Commitment) 0.00% Weig
Slide 8: Construction and Development Portfolio Characteristics
Old Second C&D Portfolio Characteristics C&D Portfolio Characteristics Balance Outstanding (00's) $108,690 Lending focused on strong sponsorship with full recourse + Well diversified by property type with limited exposure to high-riskreal estate Total Commitment (000's) $166,729 ((¢. Hotel, Recreati
Slide 9: Payment Modifications
Payment Modifications ‘Old Second + Adopted regulatory and accounting guidance to establish COVID-19 payment relief programs for retail and commercial borrowers in March 2020 + Approximately one third of all payment relief modifications have been interest only, while the remaining are full payment d
Slide 10: SBA Payment Protection Program Loans
SBA Payment Protection Program Loans old Second Balance Outstanding (000's) $34,699 + Largestloan funded was $4.89 million, with the balance of loans over $2 million ' totaling $25 0 milion or 12.2% of total loans fundeg Total Commitment (000s) $3499 + Balance of loans under $150,000totaling $42 8 m
Slide 11: Allowance for Credit Losses
Allowance for Credit Losses Old Second Key methodology assumptions + year economic forecast utilized, assuming recessionary conditions reverting to long-term historical loss rates + Key economic inputs include GDP and civilan unemployment + Loss rates driven by portfolio risk characteristics, averag
Slide 12: Key Performance Ratios
Key Performance Ratios Credit Quali Overview + Loan quality has remained strong over the last several years entering nto the current economic environments a result of conservative underwriting and experiencediending teams, + Relationship managers continue to work with Borrowers requestingloan paymen
Slide 13: Allowance for Credit Losses — Coverage Ratios
Allowance for Credit Losses — Coverage Ratios Old Second ACLAdequacy ACL/ Total Loans (excluding PPP) recoveries), the adoption of CECL has allowed managementto increase the a howanes for Gredt Losses(ACL) considerabiinanfcpation ofan $1950,000 economic dwntum duetothe COVD pandemic + Coverage level
Slide 14: Appendix — Non-GAAP Financial Measurements
Appendix 1 — Non-GAAP Financial Measurements ‘Nomperforming Loans to Total Loans, Payment Modification Rate and ACL to Total Loans Non-GAAP Reconciliations Forthe YearEmied Forthe Quarter Ende December-31, 2020__September30, 2021 fonperformingLoans s 2305S 28,952 Total Loans (GAAP) s 2034851 $ 1,867
OLD Second Bancorp — Investor Presentation (October 2021) on 6ix