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  "documentTitle": "Old Second Bancorp | Shareholder Engagement Presentation Deck | 27 slides",
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  "authorName": "Old Second Bancorp",
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  "presentationDate": "2021-05-01 00:00:00",
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  "notes": "The chart includes a significant dip in pre-tax income in Q1 2020, likely related to the COVID-19 pandemic and CECL adoption mentioned in the text.",
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      "text": "Income Statement Trends",
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      "kind": "list",
      "text": "Expense Reduction Drivers: Growth drivers largely captured in recent expense run rate, Significant investments have been made in risk management and back office, Marginal funding costs in line with yield expansion",
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      "text": "Revenue Drivers: Focus on quality loan growth, Fee income streams, Maintain our core deposit franchise, Pretax income reduction in YTD 2020 primarily due to $10.4 million pretax provision for credit losses driven by CECL adoption and the impact of the COVID-19 pandemic",
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      "text": "Balance sheet growth, cost of funds improvement and stability in noninterest expense helped drive improved or stable core earnings over the last four years",
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      "kind": "source-note",
      "text": "(1) Denotes a non-GAAP financial measure. Refer to Appendix 1 for a reconciliation of non-GAAP financial measures. Source: Company filings.",
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