{
  "docId": "019de075-c33c-777c-b750-195774ea344d",
  "docSlug": "8d884b07f6bde07d27ba40601badfcaa",
  "documentTitle": "Old Second Bancorp | Investor Conference Presentation Deck | 21 slides",
  "authorId": "old-second-bancorp",
  "authorName": "Old Second Bancorp",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-08-01 00:00:00",
  "orientation": "landscape",
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  "pageNumber": 9,
  "pageCount": 21,
  "prevPage": 8,
  "nextPage": 10,
  "slideType": "key_messages",
  "function": "compare_peers",
  "density": "dense",
  "nDataPoints": 2,
  "notes": "The slide uses scatter plots to benchmark 'Old Second' against a 'Community Bank Median' across two key metrics.",
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  "slideHref": "/slides/019de075-c33c-777c-b750-195774ea344d/9",
  "deckHref": "/decks/019de075-c33c-777c-b750-195774ea344d",
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  "deckAnchorHref": "/decks/019de075-c33c-777c-b750-195774ea344d#slide-9",
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        "h": 0.65,
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        "x": 0.64,
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      "kind": "chart",
      "text": "Composition of Deposits: Uninsured Deposits % vs Commercial Deposits %",
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        "h": 0.65,
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        "x": 0.27,
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      "kind": "chart",
      "text": "Deposit Franchise Performance: Deposit Beta vs Cost of Deposits",
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        "h": 0.2,
        "w": 0.24,
        "x": 0.03,
        "y": 0.75
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      "kind": "disclaimer",
      "text": "Source: Federal Reserve, SNL Financial, FactSet and company filings. Financial data as of the quarter ended March 31, 2023...",
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      "bbox": {
        "h": 0.45,
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        "x": 0.03,
        "y": 0.28
      },
      "kind": "list",
      "text": "Long-term customer relationship focus drives strong core deposit base; 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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      "bbox": {
        "h": 0.05,
        "w": 0.4,
        "x": 0.04,
        "y": 0.15
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      "kind": "title",
      "text": "Stable, Low-Cost Deposit Base",
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      "subkind": "headline",
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      "componentId": "bc6ea9de-dcdd-4217-b9e6-78051d90cd19",
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  "metrics": [],
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      "matchId": "93d193a5-dcc6-435f-ac94-f8fa3d19938f",
      "evidence": "Scatter plots comparing company performance against Community Bank Median",
      "confidence": 0.009
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  "arcBeats": [
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      "arcName": "The Sparkline",
      "arcSlug": "sparkline",
      "beatName": "What Could Be",
      "beatSlug": "sparkline-what-could-be-2",
      "evidence": "The subsequent slides highlight the bank's potential and growth strategy.",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": "Turn",
      "parentBeatSlug": "turn"
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  ],
  "loops": [
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      "name": "Analogy",
      "slug": "08-analogy",
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      "matchId": "3e679273-4781-4cf1-9aaa-e42aef949f3e",
      "evidence": "The presentation uses an analogy to explain the bank's balance sheet management.",
      "position": 0,
      "objective": "To illustrate the bank's balance sheet management strategy",
      "structure": "The Familiar Domain -> Key Parallel -> Applied to Our Situation -> Insight",
      "confidence": 0.6,
      "description": "Explain the unfamiliar through a well-understood parallel domain"
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      "name": "Before After",
      "slug": "21-before-after",
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      "matchId": "075ddff2-02d4-4aaf-9225-014f5d173835",
      "evidence": "The presentation uses a before-after loop to show the impact of higher interest rates.",
      "position": 1,
      "objective": "To show the impact of higher interest rates on the bank's balance sheet",
      "structure": "The Old Way (Pain) -> The Moment of Change -> The New Way (Glory) -> The Measurable Delta",
      "confidence": 0.6,
      "description": "Show the dramatic contrast between the old way and the new way through side-by-side comparison"
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  "locked": true
}