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Regulatory & Capital Matters (Tables) | 3 Months Ended
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Mar. 31, 2020
Regulatory & Capital Matters |
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 applicable 1 |  | Action Provisions 2 |
|  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Common equity tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 251,168 |  | 10.85 | % |  | $ | 162,044 |  | 7.000 | % |  |  | N/A |  | N/A |
Old Second Bank |  |  | 296,496 |  | 12.89 |  |  |  | 161,014 |  | 7.000 |  |  | $ | 149,513 |  | 6.50 | %
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 303,182 |  | 13.09 |  |  |  | 243,194 |  | 10.500 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 323,510 |  | 14.07 |  |  |  | 241,425 |  | 10.500 |  |  |  | 229,929 |  | 10.00 |
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 276,168 |  | 11.93 |  |  |  | 196,767 |  | 8.500 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 296,496 |  | 12.89 |  |  |  | 195,517 |  | 8.500 |  |  |  | 184,016 |  | 8.00 |
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 276,168 |  | 10.57 |  |  |  | 104,510 |  | 4.00 |  |  |  | N/A |  | N/A |
Old Second Bank |  |  | 296,496 |  | 11.36 |  |  |  | 104,400 |  | 4.00 |  |  |  | 130,500 |  | 5.00 |
December 31, 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 |
1 Amounts are shown inclusive of a capital conservation buffer of 2.50%. 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.”

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