Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 2017

Regulatory & Capital Matters

Schedule of capital levels and industry defined regulatory minimum required levels

Capital levels and industry defined regulatory minimum required levels are as follows:

					Minimum Capital				To Be Well Capitalized Under
					Adequacy with Capital				Prompt Corrective
	Actual				Conservation Buffer if applicable1				Action Provisions2
	Amount		Ratio		Amount		Ratio		Amount		Ratio
June 30, 2017
Common equity tier 1 capital to risk weighted assets
Consolidated	$	161,114	8.55	%	$	108,352	5.750	%		N/A	N/A
Old Second Bank		234,644	12.46			108,283	5.750		$	122,407	6.50	%
Total capital to risk weighted assets
Consolidated		228,754	12.14			174,298	9.250			N/A	N/A
Old Second Bank		250,475	13.30			174,203	9.250			188,327	10.00
Tier 1 capital to risk weighted assets
Consolidated		208,397	11.06			136,607	7.250			N/A	N/A
Old Second Bank		234,644	12.46			136,530	7.250			150,654	8.00
Tier 1 capital to average assets
Consolidated		208,397	9.09			91,704	4.00			N/A	N/A
Old Second Bank		234,644	10.23			91,747	4.00			114,684	5.00
December 31, 2016
Common equity tier 1 capital to risk weighted assets
Consolidated	$	154,537	8.76	%	$	90,411	5.125	%		N/A	N/A
Old Second Bank		221,153	12.53			90,456	5.125		$	114,724	6.50	%
Total capital to risk weighted assets
Consolidated		216,769	12.29			152,126	8.625			N/A	N/A
Old Second Bank		237,306	13.45			152,176	8.625			176,436	10.00
Tier 1 capital to risk weighted assets
Consolidated		191,988	10.88			116,904	6.625			N/A	N/A
Old Second Bank		221,153	12.53			116,930	6.625			141,199	8.00
Tier 1 capital to average assets
Consolidated		191,988	8.90			86,287	4.00			N/A	N/A
Old Second Bank		221,153	10.24			86,388	4.00			107,985	5.00

1  As of June 30, 2017, amounts are shown inclusive of a capital conservation buffer of 1.25%; as compared to December 31, 2016, of 0.625%.

2The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”