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  "documentTitle": "Old Second Bancorp | Investor Conference Presentation Deck | 21 slides",
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  "authorName": "Old Second Bancorp",
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  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-05-01 00:00:00",
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  "pageNumber": 9,
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  "nDataPoints": 2,
  "notes": "The slide uses scatter plots to benchmark 'Old Second' against a 'Community Bank Median' for deposit beta and deposit composition.",
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      "text": "Composition of Deposits",
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      "text": "Deposit Franchise Performance",
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      "text": "Retail checking average age of 14 years; Commercial checking average age of 12 years; Public funds account average age of 27 years; Over 50% of all accounts have less than $5k in average balances; Almost 2/3 of all accounts have less than $10K in average balances; Largest uncollateralized depositor is the parent company; More than 80% of all balances are FDIC insured or collateralized",
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      "kind": "subtitle",
      "text": "Source: Federal Reserve, SNL Financial, FactSet and company filings. Financial data as of the quarter ended March 31, 2023. Note: Community Bank group includes publicly-traded banks with $5-10bn in assets.",
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      "text": "Stable, Low-Cost Deposit Base",
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