Slide 1: Old Second Bancorp, Inc. 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: Investor CRE
Q3 2024 Loan Portfolio Disclosures Ola Second Commercial Real Estate Investor Portfolio Composition (in millions) Property Type [ities [LTV | Cliente | Akoermes % on eS ml = c 2? & Ing Paring Garage ws ee 117% se & Ba & ne a5 er siean : Retire va so oe . Texas $59 53% - 24% Fema S ae — - ae veers sx
Slide 6: Office Investor
Old Second Q3 2024 Loan Portfolio Disclosures Office Commercial Real Estate Investor Portfolio Composition (in millions) roxas _Clrado Togs. cour == Outstanding Ciassiied | Alowance | 180 en 8 winois 4.80% Chicago $35 7% 3.18% Suburban $186 ese 89 5.16% Oktahoma sts ee 1.15% Texas st0 ee 1.15% color
Slide 7: Owner-Occupied
Old Second Q3 2024 Loan Portfolio Disclosures Commercial Real Estate Owner-Occupied Portfolio Composition (in millions) anutactung = - =p Outstanding 8% _ Wholesale Trade — Wnoesse Heath Cae SocalSenices $278 other Services se , fet Tade so lantactng so eal Estat, Leos s Real Estate, ° ° ss Other Se
Slide 8: Commercial (including Leases)
Q3 2024 Loan Portfolio Disclosures Ola Second Commercial (including Leases) Portfolio Composition (in millions) Other (under $50 Manufacturing S15 Construction $182 2 Wholesale Trade $135 S18 Professional st34 4 ‘Transportation $96 2 ‘Administrative, Waste Services S08 - Information, Fhance seo - Re
Slide 9: Net Charge-offs and Allowance for Credit Losses
Q3 2024 Loan Portfolio Disclosures Old Second Net Charge-offs (Recoveries) (in thousands) Commercial (incl. Leases) Commercial Real Estate Investor Office CRE Commercial Real Estate Owner Occupied Health Care Construction - . Residential Real Estate ei) (s10) Mutitamiy - - HELOc 7) (17) other $3 19