Old Second Bancorp, Inc. (OSBC) Q2 2025 Earnings Call

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WEBVTT 00:00:00.250 -- 00:00:06.318 Morning, everyone, and thank you for joining us today for Old Second Bancorp Incorporated's 00:00:06.318 -- 00:00:09.102 second quarter 2025 earnings 00:00:09.102 -- 00:00:14.289 call. On the call today are Jim Ecker, the company's chairman, president, 00:00:14.289 -- 00:00:19.396 and CEO, Brad Adams, the company's COO and CFO, 00:00:19.396 -- 00:00:23.241 and Gary Collins, the vice chairman of our board. 00:00:23.241 -- 00:00:28.007 I will start with a reminder that Old Second's comments today will contain forward-looking 00:00:28.007 -- 00:00:33.316 statements about the company's business, strategies and prospects which are based 00:00:33.316 -- 00:00:38.521 on management's existing expectations in the current economic environment. 00:00:38.521 -- 00:00:43.726 These statements are not a guarantee of future performance and results may differ materially 00:00:43.726 -- 00:00:49.752 from those projected. Management would ask you refer to the company's SEC filing 00:00:49.752 -- 00:00:53.436 for a full discussion of the company's risk factors. 00:00:53.436 -- 00:00:59.228 The company does not undertake any duty to update such forward-looking statements. 00:00:59.228 -- 00:01:04.293 On today's call, we will also be discussing certain non-GAAP financial measures. 00:01:04.293 -- 00:01:09.418 These non-GAAP measures are described and reconciled to their GAAP counterparts in our 00:01:09.418 -- 00:01:14.503 earnings release, which is available on our website at oldsecond.com, 00:01:14.503 -- 00:01:18.547 on the homepage, and under the Investor Relations tab. 00:01:18.547 -- 00:01:24.070 So I will now turn it over to Jim Ecker. Over to you. 00:01:24.092 -- 00:01:26.714 Good morning, everyone, and thank you for joining us. 00:01:26.714 -- ...