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Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 30, 2021

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
September 30, 2021
Common equity tier 1 capital to risk weighted assets
Consolidated		$	292,767		12.99	%		$	157,765		7.00	%			N/A		N/A
Old Second Bank			351,663		15.65				157,293		7.00			$	146,058		6.50	%
Total capital to risk weighted assets
Consolidated			401,027		17.80				236,561		10.50				N/A		N/A
Old Second Bank			374,923		16.69				235,871		10.50				224,639		10.00
Tier 1 capital to risk weighted assets
Consolidated			317,767		14.10				191,562		8.50				N/A		N/A
Old Second Bank			351,663		15.65				190,999		8.50				179,764		8.00
Tier 1 capital to average assets
Consolidated			317,767		9.81				129,569		4.00				N/A		N/A
Old Second Bank			351,663		10.83				129,885		4.00				162,356		5.00

December 31, 2020
Common equity tier 1 capital to risk weighted assets
Consolidated		$	277,199		11.94	%		$	162,512		7.00	%			N/A		N/A
Old Second Bank			318,466		13.75				162,128		7.00			$	150,548		6.50	%
Total capital to risk weighted assets
Consolidated			331,178		14.26				243,855		10.50				N/A		N/A
Old Second Bank			347,408		15.00				243,186		10.50				231,605		10.00
Tier 1 capital to risk weighted assets
Consolidated			302,199		13.01				197,440		8.50				N/A		N/A
Old Second Bank			318,466		13.75				196,870		8.50				185,289		8.00
Tier 1 capital to average assets
Consolidated			302,199		10.21				118,393		4.00				N/A		N/A
Old Second Bank			318,466		10.74				118,609		4.00				148,262		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.”