Regulatory & Capital Matters (Tables)

12 Months Ended

Dec. 31, 2012

Regulatory & Capital Matters

Schedule of capital levels and industry defined regulatory minimum required levels

					Minimum Required				Minimum Required
	Actual				for Capital				to be Well
	at year-end				Adequacy Purposes				Capitalized (1)
	Amount		Ratio		Amount		Ratio		Amount		Ratio
2012
Total capital to risk weighted assets
Consolidated	$	189,465	13.62	%	$	111,286	8.00	%	N/A		N/A
Old Second Bank	206,496		14.86		111,169		8.00		$	138,961	10.00
Tier 1 capital to risk weighted assets
Consolidated	94,816		6.81		55,692		4.00		N/A		N/A
Old Second Bank	188,873		13.59		55,592		4.00		83,388		6.00
Tier 1 capital to average assets
Consolidated	94,816		4.85		78,199		4.00		N/A		N/A
Old Second Bank	188,873		9.67		78,127		4.00		97,659		5.00
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.