Regulatory & Capital Matters (Tables)

3 Months Ended

Mar. 31, 2015

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
March 31, 2015
Common equity tier 1 capital to risk weighted assets
Consolidated	$	136,976	9.46	%	$	65,158	4.50	%		N/A	N/A
Old Second Bank		245,076	16.91			65,218	4.50		$	94,204	6.50	%
Total capital to risk weighted assets
Consolidated		250,416	17.30			115,799	8.00			N/A	N/A
Old Second Bank		263,398	18.18			115,907	8.00			144,883	10.00
Tier 1 capital to risk weighted assets
Consolidated		197,987	13.68			86,836	6.00			N/A	N/A
Old Second Bank		245,076	16.91			86,958	6.00			115,944	8.00
Tier 1 capital to average assets
Consolidated		197,987	9.82			80,646	4.00			N/A	N/A
Old Second Bank		245,076	12.15			80,683	4.00			100,854	5.00

December 31, 2014
Total capital to risk weighted assets
Consolidated	$	240,566	17.68	%	$	108,853	8.00	%		N/A	N/A
Old Second Bank		254,897	18.73			108,872	8.00		$	136,090	10.00	%
Tier 1 capital to risk weighted assets
Consolidated		196,499	14.44			54,432	4.00			N/A	N/A
Old Second Bank		237,828	17.47			54,454	4.00			81,681	6.00
Tier 1 capital to average assets
Consolidated		196,499	9.93			79,154	4.00			N/A	N/A
Old Second Bank		237,828	12.02			79,144	4.00			98,930	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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