Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 30, 2019

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 applicable1				Action Provisions2
	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.