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Regulatory & Capital Matters (Tables)

3 Months Ended

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 applicable1						Action Provisions2
		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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- 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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