{
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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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  "presentationDate": "2023-08-01 00:00:00",
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  "pageNumber": 8,
  "pageCount": 21,
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  "nDataPoints": 12,
  "notes": "The slide uses a dual-chart layout to compare 'Prior Rate Cycle' (2015-2019) vs 'Current Rate Cycle' (2021-2023).",
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      "kind": "callout",
      "text": "Old Second Spread Outperformance of 53bps(1)",
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      "text": "Old Second Spread Outperformance of 147bps(1)",
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      "text": "Change in Yields & Costs Over Time (Current Rate Cycle)",
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      "text": "Change in Yields & Costs Over Time (Prior Rate Cycle)",
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      "kind": "list",
      "text": "Short duration, commercial banking focused loan book; Modest organic loan growth in 2020 and 2021; Focus on variable, credit-protected AFS securities; Zero HTM Securities; Strong 2022 loan growth; 2023 focus on balance sheet optimization.",
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      "kind": "source-note",
      "text": "Source: Federal Reserve, SNL Financial. Financial data as of quarter ended March 31, 2023. (1) Calculated as loan yield delta - deposit cost delta relative to Community Banks Group.",
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      "kind": "title",
      "text": "Prudently Managed & Well-Positioned Balance Sheet",
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