Old Second Bancorp, Inc. · NASDAQ:OSBC

Old Second Bancorp — Investor Presentation (April 2006)

27 slides from Old Second Bancorp's investor presentation, Apr 18, 2006

  1. Slide 1: Old Second Bancorp Inc.

    Old Second Bancorp Inc. William B. Skoglund I. Douglas Cheatham Chairman, President & CEO Chief Financial Officer Old Second Bancorp, Inc. 630-906-5483 Old Second Bancorp, Ine. 630-906-5484, James L. Eccher President and CEO Old Second National Bank 630-966-2433 Right sized banking.

  2. Slide 2: Forward-looking Statements and Non-GAAP Disclosures

    Forward-looking Statements and Non-GAAP Disclosures In addition to historical information, this presentation contains forward-looking statements, which are subject to certain risks and uncertainties. Forward-looking statements include information concerning possible or assumed future results of Old

  3. Slide 3: Who We Are

    Who WeAre @ = $2.3 billion financial holding company headquartered in Aurora, Illinois = 3 independently chartered community banks = Trust & Investment Group with over $1 billion under management = Mortgage company ® 28 locations = 64 ATM locations ee Right sized banking.

  4. Slide 4: Old Second market area map

  5. Slide 5: Branch and mortgage office locations

    A Mortgage office @ Bank branch A @ Branch under construction Chicago

  6. Slide 6: Aurora population compared with other Illinois cities

    157,267 Aurora Rockford 151,068 135,389 Naperville Joliet 112,936 Peoria 112,670 111,834 Springfield Elgin 0 — 20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 (Excluding Chicago) Right sized banking.

  7. Slide 7: Illinois' Fastest Growing Cities

    Illinois’ Fastest Growing Cities: @ Net Gain 1990-2000 Aurora Naperville Joliet 29,004 Palatine Waukegan Cicero Elgin © — 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 ized banking.

  8. Slide 8: Illinois' Fastest Growing Counties by %

    Illinois’ FastestGrowing = Counties by % 7/1/01-7/1/02 Cout of 102 counties) 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% Kendall Will Kane Boone McHenry a Right sized banking.

  9. Slide 9: NE Illinois Planning Commission Population Forecasts

    NE Illinois Planning Commission Population Forecasts 2000 2030 Difference %Change DuPage Cty. 904,161 1,002,325 98,164 10.86% Kane Cty. 404,119 692,346 288,227 71.32% Aurora (excl. Kend.) 142,150 190, 167 48,017 33.78% Batavia 23,866 31,402 7,536 31.58% Elgin 94,487 162,416 67,929 71.89% Geneva 19,5

  10. Slide 10: Old Second Kane County Market Leader

    Old Second KaneCounty Market Leader 1999 2000 2001 2002 2003 2004 + =2005 % Mkt % Mkt % Mkt % Mkt % Mkt % Mkt % Mkt 02 18.08% 16.07% 16.19% 17.21% 17.34% 17.97% 18.44% Harris 10.41% 10.80% 10.82% 10.49% 10.59% 11.61% 10.54% 5/3 20.86% 17.72% 15.98% 13.41% 11.30% 9.70% 9.49% Chase 11.60% 10.62% 8.92%

  11. Slide 11: Old Second Kendall County Market Leader

    Old Second Kendall County (© Market Leader 1999 2000 2001 2002 2003 2004 2005 % Mkt % Mkt %Mkt %Mkt %Mkt % Mkt % Mkt OswgoC 15.05% 10.11% 15.66% 16.38% 15.93% 15.49% 14.27% Castle 13.10% 12.54% 12.42% 12.79% 13.38% 13.77% 14.36% Harris 5.00% 5.98% 5.47% 12.15% 11.57% 9.89% 8.79% Union 8.37% 8.14% 7.

  12. Slide 12: Aurora (Kane) Deposit Market Share

    AURORA (KANE) #of Deposits Market offices ($000) Share Old'Second 4 782,800 47.98% Fifth Third 4 223,071 14.60% Harris Aurora 4 137,351 8.99% Benchmark z 121,812 7.97% West Suburban 3 92,276 6.04% National City 2 73,533 4.81% Banco Popular 2 64,671 4.23% YORKVILLE #of Deposits Market offices (000s)

  13. Slide 13: Joliet, Naperville and Elgin Deposit Market Share

    JOLIET (WILL) NAPERVILLE (DUPAGE/WILL) #of Deposits Market #of Deposits Market offices ($000) Share offices (000s) Share 1. 1st Midwest 8 1,000,930 36.48% 1. Harris 6 696,993 19.83% 2. Harris 7 673,449 24.54% 2.MidAmerica 4 542,417 15.43% 3. JP Morgan 6 291,517 10.62% 3. Regency 3 449,433 12.79% 4.1

  14. Slide 14: Total Assets

    Total Assets e as of December 31 Millions $2,500 owt $2,000 Sc £ ojo $1,500 $1,000 $500 $0 2000 2001 2002 2003 2004 2005 Right sized banki:

  15. Slide 15: Total Loans

    Total Loans cc as of December 31 Millions $1,800 n $1,600 Grows é $1,400 era9e = $1,200 so hS o $1,000 $8- $800 $600 $400 $200 $0 2000 2001 2002 2003 2004 2005 Right sized banking.

  16. Slide 16: Loan Mix

    Loan Mix as of December 31 w Commercial & Industrial 34% ‘O.Commercial Real Estate BConstruction & Development Residential BConsumer

  17. Slide 17: Net Charge-Offs to Average Loans

    Net Charge-Offs to Average Loans 0.40% 0.35% 0.30% 0.25% 0.20% 0.15% 0.10% 0.05% 0.00% + 0.05% 2001 2002 2003 2004 2005 foscare| ay The peer group consists of the 30 Midwest banks closest in asset size to OSBC. Right sized banki

  18. Slide 18: Net Charge-Offs To Reserves

    Net Charge-Offs To Reserves 30% 25% 20% 15% 10% 5% 0% 7 5% 2001 2002 2003 2004 2005 concer] aaa The peer group consists of the 30 Midwest banks closest in asset size to OSBC. Right sized banki

  19. Slide 19: Total Deposits

    Total Deposits as of December 31 Millions $2,000 x si,s00 | 5, Gr) $1,600 /————yerad& “| $1,400 aS $1,200 $1,000 $800 $600 $400 $200 so 2000 2001 2002 2003 2004 2005

  20. Slide 20: Deposit Mix

    as of December 31 1 Noninterest-bearing| Savings BNOW Accounts Money Market LCD's less than ‘$100,000 LCD's $100,000 or 2390 Right sized banking.

  21. Slide 21: Net Interest Margin

    Net Interest Margin 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 2001 2002 2003 2004 2005 @ OSBC @ Peer The peer group consists of the 30 Midwest banks closest in asset size to OSBC. Reconciliations of non-GAAP disclosures are available in public filings linked at o2bancorp.com

  22. Slide 22: Efficiency Ratio

    Efficiency Ratio 70% 60% 50% 40% 30% 20% 10% 0% 2001 2002 2003 2004 2005 @ Cons lated eer The peer group consists of the 30 Midwest banks closest in asset size to OSBC. Reconciliations of non-GAAP disclosures are available in public filings linked at o2bancorp.com

  23. Slide 23: Return on Equity

    Return on Equity @ oe 49.11% 20% From ¥ zl — 2001 2002 2003 2004 2005 ae Right sized banking.

  24. Slide 24: Earnings chart

    2000 2001 2002 2003 2004 2005 e Right sized banking.

  25. Slide 25: Peer Comparison

    Peer Comparison @ Market National Area Illinois $1-$3b Return on equity 11.42% 11.76% 13.10% Return on assets 1.07% 95% 1.12% Net interest margin 3.66% 345% 4.10% Efficiency ratio 66.62% 62.96% 59.09% NPL % of loans 041% 049% 0.45% Charge-offs/Avg. Loans 0.13% 0.18% 0.22% Price to LTM earnings NA 18

  26. Slide 26: Stock Comparison

    StockComparison == One Year Performance 2 2 2 2 2 e 2 e e 2 2 ad F 8 o 9 # S ss s e ££ e SK Soe SSS — OSBC -- Nasdaq Banks —- S&P 500

  27. Slide 27: Searchable text section of graphics shown above

    Searchable text section of graphics shown above [LOGO] William B. Skoglund J. Douglas Cheatham James L. Eccher Chairman, President & CEO Chief Financial Officer President and CEO Old Second Bancorp, Inc. Old Second Bancorp, Inc. Old Second National Bank 630-906-5483 630-906-5484 630-966-2433 Right s

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