Regulatory & Capital Matters (Tables)

12 Months Ended

Dec. 31, 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
2022
Common equity tier 1 capital to risk weighted assets
Consolidated	$	457,206	9.67	%	$	330,966	7.00	%		N/A	N/A
Old Second Bank		552,404	11.70			330,498	7.00		$	306,891	6.50	%
Total capital to risk weighted assets
Consolidated		592,039	12.52			496,518	10.50			N/A	N/A
Old Second Bank		602,237	12.75			495,960	10.50			472,343	10.00
Tier 1 capital to risk weighted assets
Consolidated		482,206	10.20			401,838	8.50			N/A	N/A
Old Second Bank		552,404	11.70			401,319	8.50			377,712	8.00
Tier 1 capital to average assets
Consolidated		482,206	8.14			236,956	4.00			N/A	N/A
Old Second Bank		552,404	9.32			237,083	4.00			296,354	5.00
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.”