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  "documentTitle": "Old Second Bancorp | Shareholder Engagement Presentation Deck | 30 slides",
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  "authorName": "Old Second Bancorp",
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  "presentationDate": "2022-05-01 00:00:00",
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  "notes": "Includes a market ranking table and key financial metrics.",
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      "text": "(1) Branch, deposit and market demographics data as of June 30, 2020 and per S&P Global Market Intelligence. Market rankings pro forma for pending acquisitions. (2) Commercial loans include commercial and industrial, multifamily, and commercial real estate. (3) Retail deposits reflects the aggregate balance of all deposit accounts with a balance of $250,000 or less. Excludes retirement deposit accounts.",
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      "text": "Average deposits per branch of ~$61mm. Deposit-weighted average median household income of ~$99,000 in counties that West Suburban operates in. Compared to ~$77,000 for the Chicago MSA and the national average of ~$68,000. Deposit-weighted average projected population growth of 0.1% in West Suburban counties compared to (0.3%) for the Chicago MSA.",
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      "text": "Headquartered in Lombard, IL, West Suburban operated 43 branches throughout the western Chicago suburbs. West Suburban offered traditional community banking services as well as insurance, land trust and health savings accounts. Attractive, low cost deposit franchise with top quartile deposit beta during last rising rate environment. ~59% loan / deposit ratio with 96% core deposit funding. Strong capital ratios with CET1 of 13.5% and TCE / TA of 8.22%. Low risk balance sheet with 0.09% average NCOs / Loans over last 5 years.",
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      "kind": "title",
      "text": "Overview of West Suburban pre-acquisition",
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