Old Second Bancorp, Inc. · NASDAQ:OSBC
Old Second Bancorp — Q2 2024 Earnings Presentation
9 slides from Old Second Bancorp's earnings presentation, Jul 17, 2024
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 2Q24 Earnings Investor Presentation Non-Owner Occupied CRE Portfolio Composition (in millions) a one oma rugs «=| es) «cua _ oe cme ae = rn == = eee Wisconsin $69 59% eae oom! Pennsylvania $23 4AT% - a ce oom vee ea = moO UG
Slide 6: Non-Owner Occupied Office CRE
Old Second 2Q24 Earnings Investor Presentation Non-Owner Occupied Office CRE Portfolio Composition (in millions) == Outstanding | LTV. | Classiied | Alowance | 201 70% 828 Texas _ Colorado winois 5.42% Chicago $39 eo% 89 441% Suburban s162 ese sie 5.67% Oktahoma sts ee 0.79% Texas 9 ee 079% colorado
Slide 7: Owner-Occupied CRE
Old Second 2Q24 Earnings Investor Presentation Owner-Occupied CRE Portfolio Composition (in millions) Industry Outstanding Manufacturing —_ Wholesale Trade 8% oe Health Care, SocialServices $293, Other Services 78 Manufacturing $65 Retail Trade $63 Real Estate, Leasing $52 Real Estate, Leasing” Whol
Slide 8: Commercial & Industrial
Old Second 2Q24 Earnings Investor Presentation Commercial & Industrial Portfolio Composition (in millions) Manufacturing sts Other (under $50 Construction $186 2 Real Estate, milion) Wholesale Trade sti7 st Information, Finance sat 3 Transportation tog 5 Professional sto . Administrative, Waste Serv
Slide 9: Net Charge-offs (Recoveries) (in thousands)
Old Second 2Q24 Earnings Investor Presentation Net Charge-offs (Recoveries) (in thousands) Construction & Land Development ($100) - - - ($100) (0.05%) Non-Owner Occupied CRE $6,754 34.981 (67) $4,560 $16,198 1.58% Office CRE $6,754 $4951 S16 $4,128 $15,849 6.35% Owner-Occupied CRE $23 310,443 $3,868