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Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 30, 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 applicable1						Action Provisions2
		Amount			Ratio			Amount			Ratio			Amount			Ratio
September 30, 2018
Common equity tier 1 capital to risk weighted assets
Consolidated		$	196,632		9.12	%		$	137,448		6.375	%			N/A		N/A
Old Second Bank			285,010		13.26				137,024		6.375			$	139,711		6.50	%
Total capital to risk weighted assets
Consolidated			270,976		12.57				212,879		9.875				N/A		N/A
Old Second Bank			304,333		14.16				212,238		9.875				214,924		10.00
Tier 1 capital to risk weighted assets
Consolidated			251,653		11.67				169,817		7.875				N/A		N/A
Old Second Bank			285,010		13.26				169,265		7.875				171,952		8.00
Tier 1 capital to average assets
Consolidated			251,653		9.72				103,561		4.00				N/A		N/A
Old Second Bank			285,010		11.05				103,171		4.00				128,964		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 September 30, 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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- 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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958577-112826

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=84167132&loc=d3e65071-112826

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958568-112826

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958570-112826

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