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Regulatory & Capital Matters (Tables)
9 Months Ended
Sep. 30, 2020
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, 2020

Common equity tier 1 capital to risk weighted assets

Consolidated

$

269,874

11.97

%

$

157,821

7.000

%

N/A

N/A

Old Second Bank

319,662

14.24

157,137

7.000

$

145,913

6.50

%

Total capital to risk weighted assets

Consolidated

323,041

14.33

236,701

10.500

N/A

N/A

Old Second Bank

347,723

15.49

235,706

10.500

224,482

10.00

Tier 1 capital to risk weighted assets

Consolidated

294,874

13.08

191,623

8.500

N/A

N/A

Old Second Bank

319,662

14.24

190,809

8.500

179,585

8.00

Tier 1 capital to average assets

Consolidated

294,874

10.07

117,130

4.00

N/A

N/A

Old Second Bank

319,662

10.90

117,307

4.00

146,634

5.00

December 31, 2019

Common equity tier 1 capital to risk weighted assets

Consolidated

$

251,477

11.14

%

$

158,020

7.000

%

N/A

N/A

Old Second Bank

322,496

14.35

157,315

7.000

$

146,078

6.50

%

Total capital to risk weighted assets

Consolidated

327,886

14.53

236,944

10.500

N/A

N/A

Old Second Bank

342,280

15.23

235,978

10.500

224,741

10.00

Tier 1 capital to risk weighted assets

Consolidated

308,102

13.65

191,858

8.500

N/A

N/A

Old Second Bank

322,496

14.35

191,026

8.500

179,789

8.00

Tier 1 capital to average assets

Consolidated

308,102

11.93

103,303

4.00

N/A

N/A

Old Second Bank

322,496

12.50

103,199

4.00

128,998

5.00

1 Amounts are shown inclusive of a capital conservation buffer of 2.50%. Under the Federal Reserve’s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes.

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.”