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Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 30, 2016

Regulatory & Capital Matters

Schedule of capital levels and industry defined regulatory minimum required levels

								Minimum Capital						To Be Well Capitalized Under
								Adequacy with Capital						Prompt Corrective
		Actual						Conservation Buffer if applicable1						Action Provisions2
		Amount			Ratio			Amount			Ratio			Amount			Ratio
September 30, 2016
Common equity tier 1 capital to risk weighted assets
Consolidated		$	157,172		10.68	%		$	75,422		5.125	%			N/A		N/A
Old Second Bank			223,359		15.22				75,211		5.125			$	95,390		6.50	%
Total capital to risk weighted assets
Consolidated			226,785		15.42				126,850		8.625				N/A		N/A
Old Second Bank			238,337		16.24				126,580		8.625				146,759		10.00
Tier 1 capital to risk weighted assets
Consolidated			194,910		13.25				97,455		6.625				N/A		N/A
Old Second Bank			223,359		15.22				97,224		6.625				117,403		8.00
Tier 1 capital to average assets
Consolidated			194,910		9.32				83,652		4.00				N/A		N/A
Old Second Bank			223,359		10.65				83,891		4.00				104,863		5.00
December 31, 2015
Common equity tier 1 capital to risk weighted assets
Consolidated		$	151,410		10.55	%		$	64,582		4.50	%			N/A		N/A
Old Second Bank			202,158		14.10				64,519		4.50			$	93,193		6.50	%
Total capital to risk weighted assets
Consolidated			223,311		15.56				114,813		8.00				N/A		N/A
Old Second Bank			218,375		15.23				114,708		8.00				143,385		10.00
Tier 1 capital to risk weighted assets
Consolidated			176,625		12.30				86,159		6.00				N/A		N/A
Old Second Bank			202,158		14.10				86,025		6.00				114,700		8.00
Tier 1 capital to average assets
Consolidated			176,625		8.69				81,300		4.00				N/A		N/A
Old Second Bank			202,158		9.94				81,351		4.00				101,689		5.00

1  As of September 30, 2016, amounts are shown inclusive of a capital conservation buffer of 0.625%

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

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- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826

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