{
  "docId": "019de071-0f46-701e-9cc7-3ec5bc39797f",
  "docSlug": "7d8bd19e356b673088dac3a4c7824244",
  "documentTitle": "Old Second Bancorp | Shareholder Engagement Presentation Deck | 27 slides",
  "authorId": "old-second-bancorp",
  "authorName": "Old Second Bancorp",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2021-05-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.3333334,
  "pageNumber": 15,
  "pageCount": 27,
  "prevPage": 14,
  "nextPage": 16,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 10,
  "notes": "The chart shows a stacked bar breakdown of loan types from 2017 to Q1 2021.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de071-0f46-701e-9cc7-3ec5bc39797f/15",
  "deckHref": "/decks/019de071-0f46-701e-9cc7-3ec5bc39797f",
  "deckJsonHref": "/decks/019de071-0f46-701e-9cc7-3ec5bc39797f.json",
  "deckAnchorHref": "/decks/019de071-0f46-701e-9cc7-3ec5bc39797f#slide-15",
  "components": [
    {
      "bbox": {
        "h": 0.6,
        "w": 0.55,
        "x": 0.42,
        "y": 0.16
      },
      "kind": "chart",
      "text": "Gross Loan Trends",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c1bc02c4-11cd-417c-b1be-04f3fdabb7ef",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.9,
        "x": 0.03,
        "y": 0.9
      },
      "kind": "disclaimer",
      "text": "Source: Company filings. Excludes loans held for sale. (1) Includes Consumer, Overdraft, Other & Deferred Loan Costs prior to 2020 (2) Due to adoption of CECL, deferred loan costs and purchase credit deteriorated loans (\"PCD\" loans) are within each loan segment for 2020 and 2021.",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "23415412-c905-47cf-8200-b523dcf84fd2",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.6,
        "w": 0.38,
        "x": 0.03,
        "y": 0.0017
      },
      "kind": "list",
      "text": "Total loan decline of 3.7% as of 3/31/21 compared to 12/31/21 primarily due to 294 PPP loans forgiven during the first quarter of 2021, and growth in paydowns. Reduction in all segments from 12/31/20 to 3/31/21 due to paydowns as commercial and consumer liquidity increased due to the receipt of federal stimulus funds. We adopted CECL on January 1, 2020. Provision for credit losses totaled $10.4 million for the year ended December 31, 2020. Total ACL on loans of $33.9 million as of 12/31/20. Due to a more favorable economic projection as of 3/31/21, $3.0 million of provision for credit losses was reversed in the first quarter of 2021. Total ACL on loans was $31.0 million at 3/31/21; in addition, $3.5 million of ACL on unfunded commitments was within Other Liabilities.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b4de4b13-e2a4-46fd-9cc7-b08fa51ed6da",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.45,
        "x": 0.03,
        "y": 0.04
      },
      "kind": "title",
      "text": "Focus on Quality Loan Growth",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bf9d379f-1115-4fb5-8d3a-0bc06704a1bd",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "05c96ec7-2eb0-4b27-93f8-862d7e04cf03",
      "evidence": "list/bullet: Total loan decline of 3.7% as of 3/31/21 compared to 12/31/21 primarily due to 294 PPP loans forgiven during the first quarter of 2021, and growth in paydowns.",
      "confidence": 0.8
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 20,
      "from": 14,
      "beatId": "c45e873e-d539-43b6-85cd-2f096496fd32",
      "arcName": "The Sequoia Pitch",
      "arcSlug": "sequoia-pitch",
      "beatName": "Financials",
      "beatSlug": "sequoia-pitch-financials",
      "evidence": "The presentation provides detailed financial highlights, including historical financial data and key performance indicators.",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Evidence",
      "parentBeatSlug": "evidence"
    }
  ],
  "loops": [
    {
      "to": 20,
      "from": 14,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "0910664f-f7db-4ebb-a336-ad569ea4bb46",
      "evidence": "The presentation provides data and metrics to support the company's strategic focus and growth strategy.",
      "position": 0,
      "objective": "To highlight the importance of the company's strategic focus on quality loan growth, stable credit, and core earnings stability",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.7,
      "description": "Quantify what happens if the audience does nothing"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}