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Regulatory & Capital Matters (Tables) | 9 Months Ended
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Sep. 30, 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 |  | Well Capitalized |
|  |  |  |  |  |  |  | Adequacy with Capital |  | Under Prompt Corrective |
|  | Actual |  | Conservation Buffer, if applicable 1 |  | Action Provisions 2 |
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 240,643 |  | 10.89 | % |  | $ | 154,683 |  | 7.000 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 325,983 |  | 14.83 |  |  |  | 153,869 |  | 7.000 |  |  | $ | 153,869 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 316,914 |  | 14.34 |  |  |  | 232,050 |  | 10.500 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 345,629 |  | 15.72 |  |  |  | 230,859 |  | 10.500 |  |  |  | 230,859 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 297,268 |  | 13.45 |  |  |  | 187,865 |  | 8.500 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 325,983 |  | 14.83 |  |  |  | 186,841 |  | 8.500 |  |  |  | 186,841 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 297,268 |  | 11.54 |  |  |  | 103,039 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 325,983 |  | 12.68 |  |  |  | 102,834 |  | 4.00 |  |  |  | 128,542 |  | 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 September 30, 2019, amounts are shown inclusive of a capital conservation buffer of 2.50%; as compared to 1.875% at December 31, 2018. Under the Federal Reserve’s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes. 2

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