Schedule of capital levels and industry defined regulatory minimum required levels |
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Minimum Required
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Minimum Required
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for Capital
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to be Well
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Actual
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Adequacy Purposes
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Capitalized 1
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Amount
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Ratio
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Amount
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Ratio
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Amount
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Ratio
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2015
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Common equity tier 1 capital to risk weighted assets
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Consolidated
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$
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151,410
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10.55
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%
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$
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64,582
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4.50
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%
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N/A
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N/A
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Old Second Bank
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202,158
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14.10
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64,519
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4.50
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$
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93,193
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6.50
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%
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Total capital to risk weighted assets
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Consolidated
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223,311
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15.56
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114,813
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8.00
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N/A
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N/A
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Old Second Bank
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218,375
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15.23
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114,708
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8.00
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143,385
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10.00
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Tier 1 capital to risk weighted assets
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Consolidated
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176,625
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12.30
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86,159
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6.00
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N/A
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N/A
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Old Second Bank
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202,158
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14.10
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86,025
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6.00
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114,700
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8.00
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Tier 1 capital to average assets
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Consolidated
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176,625
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8.69
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81,300
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4.00
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N/A
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N/A
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Old Second Bank
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202,158
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9.94
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81,351
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4.00
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101,689
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5.00
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2014
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Total capital to risk weighted assets
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Consolidated
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$
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240,566
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17.68
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%
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$
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108,853
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8.00
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%
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N/A
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N/A
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Old Second Bank
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254,897
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18.73
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108,872
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8.00
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$
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136,090
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10.00
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%
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Tier 1 capital to risk weighted assets
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Consolidated
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196,499
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14.44
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54,432
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4.00
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N/A
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N/A
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Old Second Bank
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237,828
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17.47
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54,454
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4.00
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81,681
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6.00
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Tier 1 capital to average assets
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Consolidated
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196,499
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9.93
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79,154
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4.00
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N/A
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N/A
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Old Second Bank
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237,828
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12.02
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79,144
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4.00
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98,930
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5.00
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1
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The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized”. |
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