Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 30, 2015


					Minimum Required				Minimum Required
					for Capital				to be Well
	Actual				Adequacy Purposes				Capitalized 1
	Amount		Ratio		Amount		Ratio		Amount		Ratio
September 30, 2015
Common equity tier 1 capital to risk weighted assets
Consolidated	$	146,438	10.26	%	$	64,227	4.50	%		N/A	N/A
Old Second Bank		227,335	15.94			64,179	4.50		$	92,702	6.50	%
Total capital to risk weighted assets
Consolidated		219,255	15.36			114,195	8.00			N/A	N/A
Old Second Bank		243,942	17.10			114,125	8.00			142,656	10.00
Tier 1 capital to risk weighted assets
Consolidated		170,697	11.96			85,634	6.00			N/A	N/A
Old Second Bank		227,335	15.94			85,572	6.00			114,095	8.00
Tier 1 capital to average assets
Consolidated		170,697	8.46			80,708	4.00			N/A	N/A
Old Second Bank		227,335	11.26			80,758	4.00			100,948	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”.