Slide 1: 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
Slide 2: Who We Are
Who We Are @ = $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 ® 27 locations = 64 ATM locations a Right sized banking.
Slide 3: =
= Right sized banking.
Slide 4: Mortgage offices and bank branches map
A Mortgage office @ Bank branch @ Branch under construction Chicago cme Right sized banking.
Slide 5: Illinois' Largest Cities
Illinois’ Largest Cities © 187,267 Aurora Rockford Naperville Joliet 151,068 135,389 112,936 Peoria 112,670 Springfield Elgin 111,834 0 20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 (Excluding Chicago)
Slide 6: Illinois' Fastest Growing Cities
Illinois’ Fastest Growing Cities: @ Net Gain 1990-2000 Aurora Naperville Joliet Palatine Waukegan Cicero Elgin © — 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000
Slide 7: Illinois' Fastest Growing Counties by %
Illinois’ Fastest Growing @ 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 ~~ Right sized banking.
Slide 8: 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
Slide 9: Old Second Kane County Market Leader
Old Second Kane County @ Market Leader 1999 2000 2001 2002 2003 2004 + =2005 % Mkt % Mkt % Mkt % Mkt % Mkt % Mkt % Mkt 02 13.08% 15.07% 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.
Slide 10: 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 02 21.38% 24.40% 25.67% 28.53% 30.21% 32.39% 33.46% 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
Slide 11: Deposit Market Share
Deposit MarketShare © AURORA (KANE) #of Deposits Market offices ($000) Share OldSecond = 4—732,09 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
Slide 12: Total Assets
Total Assets @ Millions $2,500 $2,000 evade N $1,500 ere is $1,000 $500 $0 1999 2000 §=2001 «2002, 2003) 2004 Sep-05 Right sized banking.
Slide 13: Total Loans
Total Loans e Millions $1,800 $1,600 $1,400 $1,200 $1,000 $800 $600 $400 $200 $0 1999 2000 ©2001 2002 2003 «2004 Sep-05 Right sized banking.
Slide 14: Loan mix at September 30, 2005
September 30, 2005 S36 Commercial & Industrial Commercial Real Estate BConstruction & Development Residential BConsumer ight sized bankii
Slide 15: Net Charge-Offs to Average Loans
NetCharge-Offs © to Average Loans 0.05% i o 0.00% 1999 2000 2001 2002 2003 2004 = Sep-05 @ OSBC Wi Peer banks
Slide 16: Total Deposits
Total Deposits $2,000 $1,800 pout li $1,600 oe $1,400 fo pet $1,200 552 $1,000 $800 $600 $400 $200 $0 1999 =2000 «62001 §=2002 §=62003 §=62004 = Sep-05
Slide 17: Deposit Mix
Deposit Mix September 30, BNoninterest-bearing| Savings NOW Accounts ‘| Money Market CD's less than ‘$100,000 [CD's $100,000 or more 2396 Right sized banking.
Slide 18: Net Interest Margin
Net Interest Margin © 5.0% | 4.0% 3.0% 2.0% 1.0% 0.0% 1999 2000 2001 2002 2003 2004 = Sep-05 BOSBC ‘eer ic bank holding companies in the Midwest ne: in size to OSBC.
Slide 19: Efficiency Ratio
Efficiency Ratio © 10% 60% 50% 40% 30% 20% 10% 0% 1999 2000 2001 2002 2003 2004 Sep-05 @ Consolidated H Peer is the 30 public bank holding comp:
Slide 20: Non-GAAP Reconciliations
Non-GAAP Reconciliations ( (in Thousants) 1998 __ 000 200 mon __2003 2004 _ Sos Not intrest Mang Intretceme (GAAP) $e6q00 $ TIM $ BAT $ B54 $ DR $ ows ATI Tebeqardet gue Tome 163 m i 2% 193 m6 138 Tarai 63 sis ae tgs ase Intec noone FTE Gor yas 86436 e710 «6 a aD Inter exper GAAP) wise 35216 35280 r
Slide 21: Return on Equity
Return on Equity é 25% 20% 2.06% to 18 67 d From 2 15% 10% 5% 0% Al 1999 2000 2001 2002 2003 2004 Sep-05
Slide 22: Earnings Per Share
Earnings Per Share @ $2.00 $1.80 con oe $1.60 $1.40 pyes $1.20 ae $1.00 $0.80. $0.60 $0.40 $0.20 $0.00 1999 2000-2001 2002 = 2003S 2004 Sep-05
Slide 23: Peer Comparison
Peer Comparison @ Midwest Illinois National Return on equity 13.28% 11.62% 13.14% Return on assets 1.09% 94% 1.12% Net interest margin 3.69% 347% 4.02% Efficiency ratio 59.22% 63.55% 59.04% NPA % of assets 0.63% 0.63% 041% Charge-offs/Avg. Loans 0.26% 0.16% 0.23% Price to LTM earnings 17.0x 16.9x 17
Slide 24: Searchable text section of graphics shown above
Searchable text section of graphics shown above Forward-looking Statements and Non-GAAP Disclosures [LOGO] In addition to historical information, this presentation contains forward-looking statements, which are subject to certain risks and uncertainties. Forward-looking statements include informatio