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Regulatory & Capital Matters (Tables) | 9 Months Ended
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Sep. 30, 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 |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 170,622 |  | 8.88 | % |  | $ | 110,482 |  | 5.750 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 243,109 |  | 12.67 |  |  |  | 110,330 |  | 5.750 |  |  | $ | 124,720 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 239,269 |  | 12.46 |  |  |  | 177,627 |  | 9.250 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 259,569 |  | 13.52 |  |  |  | 177,590 |  | 9.250 |  |  |  | 191,989 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 221,579 |  | 11.54 |  |  |  | 139,207 |  | 7.250 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 243,109 |  | 12.67 |  |  |  | 139,111 |  | 7.250 |  |  |  | 153,502 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 221,579 |  | 9.69 |  |  |  | 91,467 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 243,109 |  | 10.63 |  |  |  | 91,480 |  | 4.00 |  |  |  | 114,350 |  | 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 |  |  | 216,769 |  | 12.29 |  |  |  | 152,126 |  | 8.625 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 237,306 |  | 13.45 |  |  |  | 152,176 |  | 8.625 |  |  |  | 176,436 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 191,988 |  | 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 |  |  | 191,988 |  | 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 September 30, 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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