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Regulatory & Capital Matters (Tables)

3 Months Ended

Mar. 31, 2022

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
March 31, 2022
Common equity tier 1 capital to risk weighted assets
Consolidated		$	404,444		9.73	%		$	290,967		7.00	%			N/A		N/A
Old Second Bank			528,655		12.74				290,470		7.00			$	269,722		6.50	%
Total capital to risk weighted assets
Consolidated			533,984		12.85				436,329		10.50				N/A		N/A
Old Second Bank			573,949		13.83				435,753		10.50				415,003		10.00
Tier 1 capital to risk weighted assets
Consolidated			429,444		10.33				353,366		8.50				N/A		N/A
Old Second Bank			528,655		12.74				352,713		8.50				331,965		8.00
Tier 1 capital to average assets
Consolidated			429,444		7.00				245,397		4.00				N/A		N/A
Old Second Bank			528,655		8.61				245,600		4.00				307,001		5.00

December 31, 2021
Common equity tier 1 capital to risk weighted assets
Consolidated		$	394,421		9.46	%		$	291,855		7.00	%			N/A		N/A
Old Second Bank			514,992		12.41				290,487		7.00			$	269,738		6.50	%
Total capital to risk weighted assets
Consolidated			522,932		12.55				437,513		10.50				N/A		N/A
Old Second Bank			558,503		13.46				435,682		10.50				414,935		10.00
Tier 1 capital to risk weighted assets
Consolidated			419,421		10.06				354,382		8.50				N/A		N/A
Old Second Bank			514,992		12.41				352,734		8.50				331,985		8.00
Tier 1 capital to average assets
Consolidated			419,421		7.81				214,812		4.00				N/A		N/A
Old Second Bank			514,992		9.58				215,028		4.00				268,785		5.00

¹Amounts are shown inclusive of a capital conservation buffer of 2.50%.

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.”