财务数据和关键指标变化 - 第二季度净收入为2560万美元,每股摊薄收益为0.56美元,创历史新高 [10] - 调整后净收入也为2560万美元,每股摊薄收益为0.56美元 [10] - 资产收益率为1.74%,平均有形普通股权益回报率为25.3%,效率比率为46.84% [11] - 净利息收入同比增加40.5%至1.83亿美元,主要受益于利率上升 [12] - 贷款净增长1220万美元,同比增长11%至3.905亿美元 [13] - 净利差收缩10个基点至4.64%,主要受存款成本上升和提前赎回高级债券的影响 [14][26] 各条业务线数据和关键指标变化 - 贷款收益率较上季度增加21个基点,同比增加174个基点 [15] - 贷款占存款比率从上季度的82%上升至85% [15] 各个市场数据和关键指标变化 - 芝加哥市场的办公楼贷款敞口约为6000万美元,公司已经对此计提超过10%的拨备 [71][93] - 公司总的办公楼贷款敞口约为2.5亿美元,对此计提了5.5%的拨备 [72][73] 公司战略和发展方向及行业竞争 - 公司正在努力管理流动性,建立长期的商业贷款业务能力,以维持与最近业绩相符的股权回报率 [22] - 公司正在积极寻找有经验的银行家加入,以把握市场机会,但同时也谨慎应对贷款需求放缓的局势 [84][85] 管理层对经营环境和未来前景的评论 - 管理层对信贷质量保持乐观,认为之前被分类的贷款在第三季度将得到解决 [42][53] - 管理层预计贷款需求在下半年将保持较为疲软的态势,但仍将积极寻找人才以备长期发展 [84][99] - 管理层认为净息差在未来几个季度将保持相对稳定,主要受益于再次加息和资产重新定价 [32][45] 问答环节重要的提问和回答 问题1 **Terry McEvoy 提问** 您提到第三季度会有更多的贷款下调,但最终结果会更有利,能否再解释一下? [41] **Jim Eccher 回答** 我的意思是相反,我们正在看到一些之前被下调的贷款得到解决,并有望在第三季度实现一些升级 [42] 问题2 **Nathan Race 提问** 您提到将继续减少可变利率证券敞口,这是否意味着您对利率前景持谨慎态度? [64] **Brad Adams 回答** 是的,我们不认为利率会很快降回零附近,但仍将谨慎地增加组合的久期,以降低资产敏感性 [65][66] 问题3 **Chris McGratty 提问** 您提到对芝加哥办公楼敞口计提了超过10%的拨备,这个数字是否准确,以及对整个办公楼敞口的拨备情况如何? [66][67] **Jim Eccher 和 Brad Adams 回答** 公司总的办公楼敞口约为2.5亿美元,对此计提了5.5%的拨备,其中对芝加哥办公楼敞口计提了超过10%的拨备 [71][72][73]

Table of Contents I UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to Commission File Number 000-10537 (Exact name of Registrant as specified in its charter) Delaware 36-3143493 (State or other jurisdiction (I.R.S. Emplo ...

Old Second Bancorp, Inc. (NASDAQ:OSBC) Q1 2023 Earnings Conference Call April 20, 2023 11:00 AM ET Company Participants Jim Eccher - Chairman, President, & CEO Brad Adams - CFO Gary Collins - Vice Chairman Conference Call Participants Nathan Race - Piper Sandler Terry McEvoy - Stephens Nick Moutafakis - KBW Brian Martin - Janney Operator Good morning, everyone, and thank you for joining us today for Old Second Bancorp, Inc.'s First Quarter 2023 Earnings Call. On the call today is Jim Eccher, the Company's C ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ⌧ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ◻ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-10537 (Exact name of registrant as specified in its charter) Delaware 36-3143493 (State of or other jurisdiction of incorporat ...

Old Second Bancorp, Inc. (NASDAQ:OSBC) Q4 2022 Earnings Conference Call January 26, 2023 11:00 AM ET Company Representatives Jim Eccher - Chief Executive Officer Brad Adams - Chief Financial Officer Gary Collins - Vice Chairman of the Board Conference Call Participants Jeff Rulis - D.A. Davidson Chris McGratty - KBW David Long - Raymond James Operator Good morning, everyone, and thank you for joining us today for Old Second Bancorp, Inc.'s Fourth Quarter 2022 Earnings Call. On the call today is Jim Eccher, ...