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Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 2023

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, 2023
Common equity tier 1 capital to risk weighted assets
Consolidated		$	503,459		10.29	%		$	342,489		7.00	%			N/A		N/A
Old Second Bank			571,923		11.70				342,176		7.00			$	317,735		6.50	%
Total capital to risk weighted assets
Consolidated			643,871		13.16				513,727		10.50				N/A		N/A
Old Second Bank			627,335		12.83				513,407		10.50				488,959		10.00
Tier 1 capital to risk weighted assets
Consolidated			528,459		10.80				415,917		8.50				N/A		N/A
Old Second Bank			571,923		11.70				415,500		8.50				391,058		8.00
Tier 1 capital to average assets
Consolidated			528,459		8.96				235,919		4.00				N/A		N/A
Old Second Bank			571,923		9.70				235,845		4.00				294,806		5.00

December 31, 2022
Common equity tier 1 capital to risk weighted assets
Consolidated		$	457,206		9.67	%		$	330,966		7.00	%			N/A		N/A
Old Second Bank			552,404		11.70				330,498		7.00			$	306,891		6.50	%
Total capital to risk weighted assets
Consolidated			592,039		12.52				496,518		10.50				N/A		N/A
Old Second Bank			602,237		12.75				495,960		10.50				472,343		10.00
Tier 1 capital to risk weighted assets
Consolidated			482,206		10.20				401,838		8.50				N/A		N/A
Old Second Bank			552,404		11.70				401,319		8.50				377,712		8.00
Tier 1 capital to average assets
Consolidated			482,206		8.14				236,956		4.00				N/A		N/A
Old Second Bank			552,404		9.32				237,083		4.00				296,354		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.”