Regulatory & Capital Matters (Tables)

12 Months Ended

Dec. 31, 2019

Schedule of capital levels and industry defined regulatory minimum required levels



					Minimum Capital				Well Capitalized
					Adequacy with Capital				Under Prompt Corrective
	Actual				Conservation Buffer, if applicable1				Action Provisions2
	Amount		Ratio		Amount		Ratio		Amount		Ratio
2019
Common equity tier 1 capital to risk weighted assets
Consolidated	$	251,477	11.14	%	$	158,020	7.000	%		N/A	N/A
Old Second Bank		322,496	14.35			157,315	7.000		$	146,078	6.50	%
Total capital to risk weighted assets
Consolidated		327,886	14.53			236,944	10.500			N/A	N/A
Old Second Bank		342,280	15.23			235,978	10.500			224,741	10.00
Tier 1 capital to risk weighted assets
Consolidated		308,102	13.65			191,858	8.500			N/A	N/A
Old Second Bank		322,496	14.35			191,026	8.500			179,789	8.00
Tier 1 capital to average assets
Consolidated		308,102	11.93			103,303	4.00			N/A	N/A
Old Second Bank		322,496	12.50			103,199	4.00			128,998	5.00

2018
Common equity tier 1 capital to risk weighted assets
Consolidated	$	207,597	9.29	%	$	142,458	6.375	%		N/A	N/A
Old Second Bank		295,599	13.29			141,794	6.375		$	144,574	6.50	%
Total capital to risk weighted assets
Consolidated		282,126	12.63			220,585	9.875			N/A	N/A
Old Second Bank		314,600	14.14			219,708	9.875			222,489	10.00
Tier 1 capital to risk weighted assets
Consolidated		263,125	11.78			175,901	7.875			N/A	N/A
Old Second Bank		295,599	13.29			175,157	7.875			177,938	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 December 31, 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 The prompt corrective action provisions are only applicable at the Bank level. The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”