Regulatory & Capital Matters (Tables)

3 Months Ended

Mar. 31, 2018

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, 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.”