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Regulatory Matters (Tables)
12 Months Ended
Dec. 31, 2015
Regulatory Capital Requirements [Abstract]  
Minimum Capital Requirements
As reflected in the following table, the Company met all minimum capital requirements at December 31, 2015 and 2014:
 
 
2015
 
2014
Total capital to risk weighted assets
 
12.2
%
 
13.0
%
Tier 1 capital to risk weighted assets
 
10.0

 
11.6

Common equity Tier 1 capital to risk weighted assets
 
8.4

 
N/A

Tier 1 leverage Ratio
 
9.1

 
10.2

Actual Capital Amounts And Ratios
The banks’ actual capital amounts and ratios as of December 31, 2015 and 2014 are presented in the following table:
(Dollars in thousands)
 
December 31, 2015
 
December 31, 2014
 
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
Total Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
282,921

 
11.3
%
 
$
251,560

 
10.0
%
 
$
245,248

 
10.9
%
 
$
224,354

 
10.0
%
Hinsdale Bank
 
200,436

 
12.1

 
165,157

 
10.0

 
155,797

 
11.4

 
136,415

 
10.0

Wintrust Bank
 
377,015

 
11.3

 
334,596

 
10.0

 
312,223

 
11.2

 
279,295

 
10.0

Libertyville Bank
 
124,665

 
11.5

 
108,619

 
10.0

 
113,513

 
11.4

 
99,999

 
10.0

Barrington Bank
 
187,062

 
11.3

 
165,810

 
10.0

 
163,162

 
11.9

 
137,527

 
10.0

Crystal Lake Bank
 
89,476

 
11.9

 
75,314

 
10.0

 
87,138

 
12.9

 
67,482

 
10.0

Northbrook Bank
 
145,390

 
11.0

 
132,200

 
10.0

 
126,325

 
11.1

 
114,042

 
10.0

Schaumburg Bank
 
87,182

 
11.4

 
76,422

 
10.0

 
73,999

 
11.3

 
65,485

 
10.0

Village Bank
 
117,543

 
11.2

 
105,027

 
10.0

 
103,148

 
11.2

 
92,110

 
10.0

Beverly Bank
 
92,843

 
11.1

 
83,442

 
10.0

 
73,808

 
11.3

 
65,229

 
10.0

Town Bank
 
159,508

 
12.0

 
133,344

 
10.0

 
130,699

 
12.1

 
108,434

 
10.0

Wheaton Bank
 
117,373

 
11.5

 
102,479

 
10.0

 
77,366

 
11.6

 
66,920

 
10.0

State Bank of the Lakes
 
89,488

 
11.1

 
80,923

 
10.0

 
78,048

 
11.6

 
67,272

 
10.0

Old Plank Trail Bank
 
110,058

 
11.3

 
97,223

 
10.0

 
100,082

 
12.4

 
80,420

 
10.0

St. Charles Bank
 
81,524

 
11.2

 
72,812

 
10.0

 
71,123

 
11.1

 
63,912

 
10.0

Tier 1 Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
256,126

 
10.2
%
 
$
201,248

 
8.0
%
 
$
231,448

 
10.3
%
 
$
134,612

 
6.0
%
Hinsdale Bank
 
191,553

 
11.6

 
132,125

 
8.0

 
146,290

 
10.7

 
81,849

 
6.0

Wintrust Bank
 
311,322

 
9.3

 
267,677

 
8.0

 
222,845

 
8.0

 
167,577

 
6.0

Libertyville Bank
 
117,965

 
10.9

 
86,895

 
8.0

 
107,649

 
10.8

 
59,999

 
6.0

Barrington Bank
 
176,489

 
10.6

 
132,648

 
8.0

 
150,705

 
11.0

 
82,516

 
6.0

Crystal Lake Bank
 
85,521

 
11.4

 
60,251

 
8.0

 
83,788

 
12.4

 
40,489

 
6.0

Northbrook Bank
 
129,514

 
9.8

 
105,760

 
8.0

 
116,808

 
10.2

 
68,425

 
6.0

Schaumburg Bank
 
71,958

 
9.4

 
61,137

 
8.0

 
67,427

 
10.3

 
39,291

 
6.0

Village Bank
 
108,221

 
10.3

 
84,021

 
8.0

 
97,684

 
10.6

 
55,266

 
6.0

Beverly Bank
 
76,708

 
9.2

 
66,754

 
8.0

 
71,197

 
10.9

 
39,137

 
6.0

Town Bank
 
153,902

 
11.5

 
106,675

 
8.0

 
125,716

 
11.6

 
65,061

 
6.0

Wheaton Bank
 
96,799

 
9.5

 
81,983

 
8.0

 
70,632

 
10.6

 
40,152

 
6.0

State Bank of the Lakes
 
76,609

 
9.5

 
64,738

 
8.0

 
69,176

 
10.3

 
40,363

 
6.0

Old Plank Trail Bank
 
100,506

 
10.3

 
77,778

 
8.0

 
96,689

 
12.0

 
48,252

 
6.0

St. Charles Bank
 
75,348

 
10.4

 
58,250

 
8.0

 
67,588

 
10.6

 
38,347

 
6.0

Common Equity Tier 1 Capital (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
256,126

 
10.2
%
 
$
163,514

 
6.5
%
 
N/A

 
N/A

 
N/A

 
N/A

Hinsdale Bank
 
191,553

 
11.6

 
107,352

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Wintrust Bank
 
311,322

 
9.3

 
217,488

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Libertyville Bank
 
117,965

 
10.9

 
70,603

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Barrington Bank
 
176,489

 
10.6

 
107,777

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Crystal Lake Bank
 
85,521

 
11.4

 
48,954

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Northbrook Bank
 
129,514

 
9.8

 
85,930

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Schaumburg Bank
 
71,958

 
9.4

 
49,674

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Village Bank
 
108,221

 
10.3

 
68,267

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Beverly Bank
 
76,708

 
9.2

 
54,237

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Town Bank
 
153,902

 
11.5

 
86,674

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Wheaton Bank
 
96,799

 
9.5

 
66,611

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

State Bank of the Lakes
 
76,609

 
9.5

 
52,600

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

Old Plank Trail Bank
 
100,506

 
10.3

 
63,195

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

St. Charles Bank
 
75,348

 
10.4

 
47,328

 
6.5

 
N/A

 
N/A

 
N/A

 
N/A

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
December 31, 2015
 
December 31, 2014
 
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
Actual
 
To Be Well
Capitalized by
Regulatory Definition
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
Tier 1 Leverage Ratio:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Lake Forest Bank
 
$
256,126

 
9.1
%
 
$
140,541

 
5.0
%
 
$
231,448

 
9.0
%
 
$
128,590

 
5.0
%
Hinsdale Bank
 
191,553

 
9.9

 
97,023

 
5.0

 
146,290

 
9.7

 
75,509

 
5.0

Wintrust Bank
 
311,322

 
8.9

 
174,117

 
5.0

 
222,845

 
7.4

 
149,925

 
5.0

Libertyville Bank
 
117,965

 
9.6

 
61,320

 
5.0

 
107,649

 
9.3

 
58,032

 
5.0

Barrington Bank
 
176,489

 
9.8

 
90,168

 
5.0

 
150,705

 
9.4

 
80,086

 
5.0

Crystal Lake Bank
 
85,521

 
9.4

 
45,445

 
5.0

 
83,788

 
10.3

 
40,502

 
5.0

Northbrook Bank
 
129,514

 
8.6

 
75,287

 
5.0

 
116,808

 
8.9

 
65,626

 
5.0

Schaumburg Bank
 
71,958

 
8.4

 
42,707

 
5.0

 
67,427

 
8.9

 
37,930

 
5.0

Village Bank
 
108,221

 
9.2

 
58,817

 
5.0

 
97,684

 
9.4

 
51,753

 
5.0

Beverly Bank
 
76,708

 
8.4

 
45,757

 
5.0

 
71,197

 
9.3

 
38,304

 
5.0

Town Bank
 
153,902

 
10.3

 
74,452

 
5.0

 
125,716

 
10.1

 
62,283

 
5.0

Wheaton Bank
 
96,799

 
8.1

 
59,482

 
5.0

 
70,632

 
8.8

 
40,152

 
5.0

State Bank of the Lakes
 
76,609

 
8.3

 
46,001

 
5.0

 
69,176

 
8.4

 
41,382

 
5.0

Old Plank Trail Bank
 
100,506

 
8.5

 
59,383

 
5.0

 
96,689

 
8.4

 
57,717

 
5.0

St. Charles Bank
 
75,348

 
9.4

 
39,942

 
5.0

 
67,588

 
9.8

 
34,504

 
5.0