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Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2017
Regulatory Capital Requirements [Abstract]  
Schedule of Compliance with Minimum Capital Requirements
As reflected in the following table, the Company met all minimum capital requirements at December 31, 2017 and 2016:

 
 
2017
 
2016
Total capital to risk weighted assets
 
12.0
%
 
11.9
%
Tier 1 capital to risk weighted assets
 
9.9

 
9.7

Common Equity Tier 1 capital to risk weighted assets
 
9.4

 
8.6

Tier 1 leverage Ratio
 
9.3

 
8.9

Actual Capital Amounts And Ratios
The banks’ actual capital amounts and ratios as of December 31, 2017 and 2016 are presented in the following table:
(Dollars in thousands)
 
December 31, 2017
 
December 31, 2016
 
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
Total Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
366,407

 
11.6
%
 
$
317,180

 
10.0
%
 
$
348,058

 
11.7
%
 
$
296,573

 
10.0
%
Hinsdale Bank
 
224,577

 
11.5

 
195,125

 
10.0

 
211,605

 
11.7

 
180,470

 
10.0

Wintrust Bank
 
512,581

 
11.2

 
456,230

 
10.0

 
441,330

 
11.2

 
393,081

 
10.0

Libertyville Bank
 
141,723

 
11.4

 
124,637

 
10.0

 
133,571

 
11.4

 
117,620

 
10.0

Barrington Bank
 
234,930

 
12.0

 
195,409

 
10.0

 
205,766

 
11.5

 
178,846

 
10.0

Crystal Lake Bank
 
95,532

 
11.3

 
84,664

 
10.0

 
93,905

 
11.8

 
79,829

 
10.0

Northbrook Bank
 
222,441

 
11.4

 
194,764

 
10.0

 
190,853

 
11.1

 
171,647

 
10.0

Schaumburg Bank
 
111,772

 
11.9

 
93,752

 
10.0

 
106,108

 
11.5

 
92,496

 
10.0

Village Bank
 
145,517

 
11.9

 
121,867

 
10.0

 
136,958

 
11.2

 
122,125

 
10.0

Beverly Bank
 
132,516

 
11.7

 
112,810

 
10.0

 
115,638

 
11.4

 
101,235

 
10.0

Town Bank
 
188,987

 
11.4

 
166,253

 
10.0

 
181,907

 
11.3

 
161,492

 
10.0

Wheaton Bank
 
151,141

 
11.4

 
132,211

 
10.0

 
130,255

 
11.3

 
114,887

 
10.0

State Bank of the Lakes
 
105,770

 
11.4

 
92,518

 
10.0

 
97,196

 
11.5

 
84,880

 
10.0

Old Plank Trail Bank
 
145,272

 
11.6

 
125,642

 
10.0

 
127,868

 
11.2

 
114,021

 
10.0

St. Charles Bank
 
105,778

 
11.4

 
92,582

 
10.0

 
109,345

 
12.0

 
91,188

 
10.0

Tier 1 Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
347,924

 
11.0
%
 
$
253,744

 
8.0
%
 
$
331,883

 
11.2
%
 
$
237,259

 
8.0
%
Hinsdale Bank
 
214,061

 
11.0

 
156,100

 
8.0

 
201,353

 
11.2

 
144,376

 
8.0

Wintrust Bank
 
439,061

 
9.6

 
364,984

 
8.0

 
375,907

 
9.6

 
314,464

 
8.0

Libertyville Bank
 
134,310

 
10.8

 
99,709

 
8.0

 
126,387

 
10.7

 
94,096

 
8.0

Barrington Bank
 
229,311

 
11.7

 
156,327

 
8.0

 
198,545

 
11.1

 
143,077

 
8.0

Crystal Lake Bank
 
91,273

 
10.8

 
67,731

 
8.0

 
89,700

 
11.2

 
63,863

 
8.0

Northbrook Bank
 
198,628

 
10.2

 
155,811

 
8.0

 
167,721

 
9.8

 
105,760

 
8.0

Schaumburg Bank
 
105,733

 
11.3

 
75,001

 
8.0

 
100,854

 
10.9

 
73,997

 
8.0

Village Bank
 
136,807

 
11.2

 
97,494

 
8.0

 
127,028

 
10.4

 
97,700

 
8.0

Beverly Bank
 
127,561

 
11.3

 
90,248

 
8.0

 
111,281

 
11.0

 
80,988

 
8.0

Town Bank
 
180,943

 
10.9

 
133,003

 
8.0

 
174,234

 
10.8

 
129,194

 
8.0

Wheaton Bank
 
135,009

 
10.2

 
105,769

 
8.0

 
112,664

 
9.8

 
91,910

 
8.0

State Bank of the Lakes
 
95,520

 
10.3

 
74,014

 
8.0

 
86,092

 
10.1

 
67,904

 
8.0

Old Plank Trail Bank
 
139,366

 
11.1

 
100,514

 
8.0

 
122,067

 
10.7

 
91,216

 
8.0

St. Charles Bank
 
102,251

 
11.0

 
74,066

 
8.0

 
104,843

 
11.5

 
72,950

 
8.0

Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
347,924

 
11.0
%
 
$
206,167

 
6.5
%
 
$
331,883

 
11.2
%
 
$
192,773

 
6.5
%
Hinsdale Bank
 
214,061

 
11.0

 
126,831

 
6.5

 
201,353

 
11.2

 
117,305

 
6.5

Wintrust Bank
 
439,061

 
9.6

 
296,549

 
6.5

 
375,907

 
9.6

 
255,502

 
6.5

Libertyville Bank
 
134,310

 
10.8

 
81,014

 
6.5

 
126,387

 
10.7

 
76,453

 
6.5

Barrington Bank
 
229,311

 
11.7

 
127,016

 
6.5

 
198,545

 
11.1

 
116,250

 
6.5

Crystal Lake Bank
 
91,273

 
10.8

 
55,031

 
6.5

 
89,700

 
11.2

 
51,889

 
6.5

Northbrook Bank
 
198,628

 
10.2

 
126,597

 
6.5

 
167,721

 
9.8

 
85,930

 
6.5

Schaumburg Bank
 
105,733

 
11.3

 
60,939

 
6.5

 
100,854

 
10.9

 
60,123

 
6.5

Village Bank
 
136,807

 
11.2

 
79,214

 
6.5

 
127,028

 
10.4

 
79,381

 
6.5

Beverly Bank
 
127,561

 
11.3

 
73,327

 
6.5

 
111,281

 
11.0

 
65,802

 
6.5

Town Bank
 
180,943

 
10.9

 
108,065

 
6.5

 
174,234

 
10.8

 
104,970

 
6.5

Wheaton Bank
 
135,009

 
10.2

 
85,937

 
6.5

 
112,664

 
9.8

 
74,677

 
6.5

State Bank of the Lakes
 
95,520

 
10.3

 
60,137

 
6.5

 
86,092

 
10.1

 
55,172

 
6.5

Old Plank Trail Bank
 
139,366

 
11.1

 
81,667

 
6.5

 
122,067

 
10.7

 
74,113

 
6.5

St. Charles Bank
 
102,251

 
11.0

 
60,178

 
6.5

 
104,843

 
11.5

 
59,272

 
6.5

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
December 31, 2017
 
December 31, 2016
 
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
Tier 1 Leverage Ratio:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
347,924

 
10.3
%
 
$
168,865

 
5.0
%
 
$
331,883

 
9.6
%
 
$
172,160

 
5.0
%
Hinsdale Bank
 
214,061

 
10.2

 
105,086

 
5.0

 
201,353

 
10.1

 
100,006

 
5.0

Wintrust Bank
 
439,061

 
9.2

 
237,782

 
5.0

 
375,907

 
9.2

 
204,994

 
5.0

Libertyville Bank
 
134,310

 
9.8

 
68,404

 
5.0

 
126,387

 
9.7

 
65,318

 
5.0

Barrington Bank
 
229,311

 
11.8

 
97,007

 
5.0

 
198,545

 
10.0

 
99,722

 
5.0

Crystal Lake Bank
 
91,273

 
9.5

 
48,069

 
5.0

 
89,700

 
9.4

 
47,575

 
5.0

Northbrook Bank
 
198,628

 
9.5

 
104,377

 
5.0

 
167,721

 
8.9

 
94,466

 
5.0

Schaumburg Bank
 
105,733

 
10.1

 
52,171

 
5.0

 
100,854

 
10.0

 
50,643

 
5.0

Village Bank
 
136,807

 
9.7

 
70,182

 
5.0

 
127,028

 
9.1

 
69,511

 
5.0

Beverly Bank
 
127,561

 
10.8

 
59,140

 
5.0

 
111,281

 
10.1

 
55,002

 
5.0

Town Bank
 
180,943

 
10.1

 
89,617

 
5.0

 
174,234

 
9.5

 
91,558

 
5.0

Wheaton Bank
 
135,009

 
9.4

 
72,152

 
5.0

 
112,664

 
8.8

 
64,361

 
5.0

State Bank of the Lakes
 
95,520

 
9.2

 
51,681

 
5.0

 
86,092

 
8.7

 
49,446

 
5.0

Old Plank Trail Bank
 
139,366

 
9.9

 
70,735

 
5.0

 
122,067

 
9.3

 
65,293

 
5.0

St. Charles Bank
 
102,251

 
9.8

 
51,907

 
5.0

 
104,843

 
11.2

 
46,641

 
5.0