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  "documentTitle": "Old Second Bancorp | Investor Conference Presentation Deck | 21 slides",
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  "presentationDate": "2023-05-01 00:00:00",
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  "notes": "Includes three dual-axis charts showing trends from 2020 Q4 to 2023 Q1.",
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      "text": "QTD NCOs / Average Loans",
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      "text": "Loan quality has remained strong over the last several years entering into the current economic environment as a result of conservative underwriting and experienced lending teams. Old Second remains proactive on refreshing collateral valuations and continually stress tests maturing credits under renewal interest rates. Based on ongoing analysis, Old Second believes risk trends remain favorable and our outlook for credit has not changed. December 2021 acquisition of West Suburban resulted in step change in reported balance sheet and credit metrics. Despite variability in nonperforming and classified asset ratios, Old Second's reported credit loss rates have remained consistently low",
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      "text": "(1) Tier 1 Capital + Allowance for Credit Losses",
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      "text": "Credit Quality Overview",
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