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
4Q23 Earnings Investor Presentation Old Second Non-Owner Occupied CRE Portfolio Composition (in millions) St winois Wisconsin Texas Indiana Florida Michigan Tennessee Other (under $20 milion) Total state | Outstanaing | $620 $81 $82 $38 $28 324 20 60 $1,023 Retail Office Industral Mixed Use Hotel Pa
Slide 6: Non-Owner Occupied Office CRE
Old Second 4Q23 Earnings Investor Presentation Non-Owner Occupied Office CRE Portfolio Composition (in millions) == Outstanding | LTV. | Classiied | Alowance | 188 ar 420% Texas _ Colorado ee Michigan aa Chicago ses 75% 813 6.03% Suburban $158 ose S13, 3.80% Okahoma sts em 0.79% Michigan sn ee 3.99%
Slide 7: Owner-Occupied CRE
Old Second 4Q23 Earnings Investor Presentation Owner-Occupied CRE Portfolio Composition (in millions) Wholesale Trade pn Industry 01 nding Health Care, SocialServices $311 rasastee ae wa i pe a Independent $9 - 0.85% vem omens re’ wa res
Slide 8: Commercial & Industrial
Old Second 4Q23 Earnings Investor Presentation Commercial & Industrial Portfolio Composition (in millions) Manufacturing otter consrusten srs s % ‘Wholesale Trade ‘$149 - : Information, Finance: sit 2 Transportation sias - Professional s1a0 - Acmnisratve, Waste Service sas - —— see ” Ae Heath Care,
Slide 9: Net Charge-offs (Recoveries)
Old Second 4Q23 Earnings Investor Presentation Net Charge-offs (Recoveries) (in thousands) Construction & Land Development . - ($100) - ($100) (0.06%) Non-Owner Occupied CRE (7) Sst $6,754 $4,950 $11,738 1.18% Office CRE = - $6,754 $4,950 11,704 470% Owner-Occupied CRE 61) 197 $23 10,444 $10,663, 1.