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  "documentTitle": "Old Second Bancorp | Shareholder Engagement Presentation Deck | 27 slides",
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      "text": "Focused on initiatives that grow core revenues at a rate faster than operating expenses\nResulting discipline expected to accelerate earnings growth and capture economies of scale as we grow\nNet interest income and net interest margin decreased in 2020 and 2021 YTD, compared to prior years, due to the lower market rate environment, but we had continued growth in noninterest income due to an increase in mortgage originations",
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