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Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 30, 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
September 30, 2022
Common equity tier 1 capital to risk weighted assets
Consolidated		$	434,155		9.16	%		$	331,778		7.00	%			N/A		N/A
Old Second Bank			550,635		11.60				332,280		7.00			$	308,545		6.50	%
Total capital to risk weighted assets
Consolidated			568,429		11.99				497,790		10.50				N/A		N/A
Old Second Bank			599,909		12.64				498,342		10.50				474,612		10.00
Tier 1 capital to risk weighted assets
Consolidated			459,155		9.68				403,184		8.50				N/A		N/A
Old Second Bank			550,635		11.60				403,483		8.50				379,748		8.00
Tier 1 capital to average assets
Consolidated			459,155		7.70				238,522		4.00				N/A		N/A
Old Second Bank			550,635		9.24				238,370		4.00				297,963		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.”