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Regulatory & Capital Matters (Tables) | 12 Months Ended
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Dec. 31, 2018
Regulatory & Capital Matters |
Schedule of capital levels and industry defined regulatory minimum required levels |
|  |  |  |  |  |  |  | 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 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 207,597 |  | 9.29 | % |  | $ | 142,444 |  | 6.375 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 295,599 |  | 13.29 |  |  |  | 141,791 |  | 6.375 |  |  | $ | 144,571 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 282,126 |  | 12.63 |  |  |  | 220,648 |  | 9.875 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 314,600 |  | 14.14 |  |  |  | 219,637 |  | 9.875 |  |  |  | 222,417 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 263,125 |  | 11.78 |  |  |  | 175,960 |  | 7.875 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 295,599 |  | 13.29 |  |  |  | 175,153 |  | 7.875 |  |  |  | 177,934 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 263,125 |  | 10.08 |  |  |  | 104,415 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 295,599 |  | 11.36 |  |  |  | 104,084 |  | 4.00 |  |  |  | 130,105 |  | 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 December 31, 2018, amounts shown are 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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