Regulatory & Capital Matters (Tables)

12 Months Ended

Dec. 31, 2015

Regulatory & Capital Matters

Schedule of capital levels and industry defined regulatory minimum required levels

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

¹ The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized”.