After excluding the following outstanding amounts of subordinated debt from Tier 2 capital, the recalculated total capital to risk-weighted assets ratios for each bank were as follows:



	March 31,			December 31,			September 30,			June 30,			March 31,
(Dollars in thousands)	2016			2015			2015			2015			2015
Subordinated debt excluded from Tier 2 capital
Beverly Bank	$	13,000		$	13,000		$	11,000		$	11,000		$	1,000
Schaumburg Bank	8,500			8,500			3,500			3,500			3,500
Barrington Bank	5,000			—			—			—			—
Old Plank Trail Bank	4,000			—			—			—			—
Lake Forest Bank	10,000			10,000			10,000			14,000			14,000
Libertyville Bank	—			—			—			2,500			2,500
Northbrook Bank	12,500			6,500			6,500			7,500			7,500
St. Charles Bank	2,500			2,500			2,500			2,000			2,000
State Bank of the Lakes	3,500			3,500			3,500			3,500			2,500
Village Bank	2,500			2,500			2,500			7,000			7,000
Wheaton Bank	15,500			13,500			13,500			6,000			—
Wintrust Bank	17,000			13,000			13,000			13,000			6,000

Total capital (to risk-weighted assets) ⁽¹⁾
Beverly Bank	9.7		%	9.6		%	10.1		%	10.2		%	11.0		%
Schaumburg Bank	10.2			10.3			10.7			10.8			10.7
Barrington Bank	11.4			11.3			11.6			11.4			11.1
Old Plank Trail Bank	10.8			11.3			11.8			11.6			11.9
Lake Forest Bank	11.8			10.9			11.0			10.8			10.8
Libertyville Bank	11.7			11.5			11.2			11.3			11.0
Northbrook Bank	10.3			10.5			10.7			10.6			10.6
St. Charles Bank	11.1			10.9			10.9			10.8			10.8
State Bank of the Lakes	11.0			10.6			10.9			10.9			10.9
Village Bank	11.0			11.0			10.9			11.0			10.5
Wheaton Bank	10.2			10.1			10.4			10.6			11.5
Wintrust Bank	10.9			10.9			10.9			11.1			11.2


(1)	Note that the OCC-regulated bank subsidiaries' first quarter 2016 call reports did not require refiling as the determination to exclude the subordinated debt from the capitalization ratios as of March 31, 2016 was made prior to the filing deadline of those call reports.