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Regulatory & Capital Matters (Tables)

3 Months Ended

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 applicable1						Action Provisions2
		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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- 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
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-SubTopic 505
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-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
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-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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