Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 2022

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
June 30, 2022
Common equity tier 1 capital to risk weighted assets
Consolidated	$	415,443	9.35	%	$	311,027	7.00	%		N/A	N/A
Old Second Bank		543,518	12.24			310,835	7.00		$	288,633	6.50	%
Total capital to risk weighted assets
Consolidated		545,284	12.27			466,624	10.50			N/A	N/A
Old Second Bank		588,359	13.25			466,247	10.50			444,045	10.00
Tier 1 capital to risk weighted assets
Consolidated		440,443	9.91			377,777	8.50			N/A	N/A
Old Second Bank		543,518	12.24			377,443	8.50			355,241	8.00
Tier 1 capital to average assets
Consolidated		440,443	7.24			243,339	4.00			N/A	N/A
Old Second Bank		543,518	8.94			243,185	4.00			303,981	5.00
December 31, 2021
Common equity tier 1 capital to risk weighted assets
Consolidated	$	394,421	9.46	%	$	291,855	7.00	%		N/A	N/A
Old Second Bank		514,992	12.41			290,487	7.00		$	269,738	6.50	%
Total capital to risk weighted assets
Consolidated		522,932	12.55			437,513	10.50			N/A	N/A
Old Second Bank		558,503	13.46			435,682	10.50			414,935	10.00
Tier 1 capital to risk weighted assets
Consolidated		419,421	10.06			354,382	8.50			N/A	N/A
Old Second Bank		514,992	12.41			352,734	8.50			331,985	8.00
Tier 1 capital to average assets
Consolidated		419,421	7.81			214,812	4.00			N/A	N/A
Old Second Bank		514,992	9.58			215,028	4.00			268,785	5.00

¹ Amounts are shown inclusive of a capital conservation buffer of 2.50%.

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.”