Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 2014

Schedule of capital levels and industry defined regulatory minimum required levels



					Minimum Required				Minimum Required
					for Capital				to be Well
	Actual				Adequacy Purposes				Capitalized 1
	Amount		Ratio		Amount		Ratio		Amount		Ratio
June 30, 2014
Total capital to risk weighted assets
Consolidated	$	233,167	17.66	%	$	105,625	8.00	%		N/A	N/A
Old Second Bank		241,394	18.29			105,585	8.00			131,981	10.00
Tier 1 capital to risk weighted assets
Consolidated		189,576	14.36			52,807	4.00			N/A	N/A
Old Second Bank		224,812	17.03			52,804	4.00			79,206	6.00
Tier 1 capital to average assets
Consolidated		189,576	9.51			79,738	4.00			N/A	N/A
Old Second Bank		224,812	11.28			79,721	4.00			99,651	5.00

December 31, 2013
Total capital to risk weighted assets
Consolidated	$	191,139	15.16	%	$	100,865	8.00	%		N/A	N/A
Old Second Bank		227,467	18.04			100,872	8.00			126,090	10.00
Tier 1 capital to risk weighted assets
Consolidated		134,199	10.65			50,403	4.00			N/A	N/A
Old Second Bank		211,568	16.78			50,433	4.00			75,650	6.00
Tier 1 capital to average assets
Consolidated		134,199	6.96			77,126	4.00			N/A	N/A
Old Second Bank		211,568	10.97			77,144	4.00			96,430	5.00

1 The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized”.

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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