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v3.19.1

Regulatory & Capital Matters (Tables) | 3 Months Ended
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Mar. 31, 2019
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, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 216,215 |  | 9.75 | % |  | $ | 155,231 |  | 7.000 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 300,290 |  | 13.60 |  |  |  | 154,561 |  | 7.000 |  |  | $ | 143,521 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 292,151 |  | 13.17 |  |  |  | 232,922 |  | 10.500 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 319,601 |  | 14.47 |  |  |  | 231,915 |  | 10.500 |  |  |  | 220,871 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 272,840 |  | 12.30 |  |  |  | 188,548 |  | 8.500 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 300,290 |  | 13.60 |  |  |  | 187,681 |  | 8.500 |  |  |  | 176,641 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 272,840 |  | 10.44 |  |  |  | 104,536 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 300,290 |  | 11.54 |  |  |  | 104,087 |  | 4.00 |  |  |  | 130,108 |  | 5.00 |
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 |
1 As of March 31, 2019, amounts are shown inclusive of a capital conservation buffer of 2.50%; as compared to December 31, 2018, of 1.875%. 2 The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”

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