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 |
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