Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 2012

Regulatory & Capital Matters

Schedule of capital levels and industry defined regulatory minimum required levels

					Minimum Required				Minimum Required
					for Capital				to be Well
	Actual				Adequacy Purposes				Capitalized 1
	Amount		Ratio		Amount		Ratio		Amount	Ratio
June 30, 2012
Total capital to risk weighted assets
Consolidated	$	188,454	12.33	%	$	122,273	8.00	%	N/A	N/A
Old Second Bank	202,322		13.25		122,157		8.00		152,696	10.00
Tier 1 capital to risk weighted assets
Consolidated	94,230		6.16		61,188		4.00		N/A	N/A
Old Second Bank	182,985		11.99		61,046		4.00		91,569	6.00
Tier 1 capital to average assets
Consolidated	94,230		4.81		78,362		4.00		N/A	N/A
Old Second Bank	182,985		9.35		78,282		4.00		97,853	5.00
December 31, 2011
Total capital to risk weighted assets
Consolidated	$	191,439	12.38	%	$	123,709	8.00	%	N/A	N/A
Old Second Bank	200,716		12.97		123,803		8.00		154,754	10.00
Tier 1 capital to risk weighted assets
Consolidated	95,986		6.21		61,827		4.00		N/A	N/A
Old Second Bank	180,981		11.70		61,874		4.00		92,811	6.00
Tier 1 capital to average assets
Consolidated	95,986		4.98		77,097		4.00		N/A	N/A
Old Second Bank	180,981		9.34		77,508		4.00		96,885	5.00

1 The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized” and is in full compliance with heightened capital ratios that it has agreed to maintain with the OCC contained within the Consent Order.  However, as a result of continuing to be under the Consent Order, the Bank is formally considered “adequately capitalized”.