Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 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
September 30, 2014
Total capital to risk weighted assets
Consolidated	$	234,500	17.56	%	$	106,834	8.00	%		N/A	N/A
Old Second Bank		246,873	18.47			106,929	8.00		$	133,662	10.00	%
Tier 1 capital to risk weighted assets
Consolidated		190,724	14.28			53,424	4.00			N/A	N/A
Old Second Bank		230,087	17.22			53,446	4.00			80,170	6.00
Tier 1 capital to average assets
Consolidated		190,724	9.68			78,812	4.00			N/A	N/A
Old Second Bank		230,087	11.67			78,864	4.00			98,581	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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