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Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 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 applicable¹						Action Provisions²
		Amount			Ratio			Amount			Ratio			Amount			Ratio
June 30, 2020
Common equity tier 1 capital to risk weighted assets
Consolidated		$	260,384		11.31	%		$	161,157		7.000	%			N/A		N/A
Old Second Bank			308,038		13.46				160,198		7.000			$	148,755		6.50	%
Total capital to risk weighted assets
Consolidated			313,380		13.63				241,415		10.500				N/A		N/A
Old Second Bank			336,483		14.71				240,182		10.500				228,744		10.00
Tier 1 capital to risk weighted assets
Consolidated			285,384		12.39				195,784		8.500				N/A		N/A
Old Second Bank			308,038		13.46				194,526		8.500				183,084		8.00
Tier 1 capital to average assets
Consolidated			285,384		10.06				113,473		4.00				N/A		N/A
Old Second Bank			308,038		10.86				113,458		4.00				141,822		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

¹Amounts 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.”