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Regulatory & Capital Matters (Tables) | 3 Months Ended
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Mar. 31, 2017
Regulatory & Capital Matters |
Schedule of capital levels and industry defined regulatory minimum required levels | Capital levels and industry defined regulatory minimum required levels are as follows:
|  |  |  |  |  |  |  | Minimum Capital |  | To Be Well Capitalized Under |
|  |  |  |  |  |  |  | Adequacy with Capital |  | Prompt Corrective |
|  | Actual |  | Conservation Buffer if applicable 1 |  | Action Provisions 2 |
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 153,585 |  | 8.42 | % |  | $ | 104,883 |  | 5.750 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 227,422 |  | 12.46 |  |  |  | 104,950 |  | 5.750 |  |  | $ | 118,639 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 220,859 |  | 12.11 |  |  |  | 168,699 |  | 9.250 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 243,158 |  | 13.33 |  |  |  | 168,733 |  | 9.250 |  |  |  | 182,414 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 197,997 |  | 10.86 |  |  |  | 132,180 |  | 7.250 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 227,422 |  | 12.46 |  |  |  | 132,328 |  | 7.250 |  |  |  | 146,017 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 197,997 |  | 8.84 |  |  |  | 89,591 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 227,422 |  | 10.14 |  |  |  | 89,713 |  | 4.00 |  |  |  | 112,141 |  | 5.00 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 154,537 |  | 8.76 | % |  | $ | 90,411 |  | 5.125 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 221,153 |  | 12.53 |  |  |  | 90,456 |  | 5.125 |  |  | $ | 114,724 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 216,768 |  | 12.29 |  |  |  | 152,126 |  | 8.625 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 237,305 |  | 13.45 |  |  |  | 152,176 |  | 8.625 |  |  |  | 176,435 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 191,987 |  | 10.88 |  |  |  | 116,904 |  | 6.625 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 221,153 |  | 12.53 |  |  |  | 116,930 |  | 6.625 |  |  |  | 141,199 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 191,987 |  | 8.90 |  |  |  | 86,287 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 221,153 |  | 10.24 |  |  |  | 86,388 |  | 4.00 |  |  |  | 107,985 |  | 5.00 |
1 As of March 31, 2017, amounts are shown inclusive of a capital conservation buffer of 1.25%; as compared to December 31, 2016, of 0.625%. 2 The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”

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