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Regulatory & Capital Matters (Tables) | 3 Months Ended
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Mar. 31, 2018
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, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 189,150 |  | 9.82 | % |  | $ | 122,793 |  | 6.375 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 260,159 |  | 13.56 |  |  |  | 122,309 |  | 6.375 |  |  | $ | 124,707 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 261,536 |  | 13.58 |  |  |  | 190,182 |  | 9.875 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 278,342 |  | 14.51 |  |  |  | 189,430 |  | 9.875 |  |  |  | 191,828 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 243,353 |  | 12.63 |  |  |  | 151,734 |  | 7.875 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 260,159 |  | 13.56 |  |  |  | 151,088 |  | 7.875 |  |  |  | 153,486 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 243,353 |  | 10.44 |  |  |  | 93,239 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 260,159 |  | 11.19 |  |  |  | 92,997 |  | 4.00 |  |  |  | 116,246 |  | 5.00 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 179,853 |  | 9.25 | % |  | $ | 111,801 |  | 5.750 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 249,417 |  | 12.88 |  |  |  | 111,347 |  | 5.750 |  |  | $ | 125,870 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 251,383 |  | 12.93 |  |  |  | 179,837 |  | 9.250 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 266,873 |  | 13.78 |  |  |  | 179,142 |  | 9.250 |  |  |  | 193,667 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 233,927 |  | 12.03 |  |  |  | 140,978 |  | 7.250 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 249,417 |  | 12.88 |  |  |  | 140,394 |  | 7.250 |  |  |  | 154,917 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 233,927 |  | 10.08 |  |  |  | 92,828 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 249,417 |  | 10.79 |  |  |  | 92,462 |  | 4.00 |  |  |  | 115,578 |  | 5.00 |
1 As of March 31, 2018, amounts are shown inclusive of a capital conservation buffer of 1.875%; as compared to December 31, 2017, of 1.25%. 2 The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”

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