Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 2024

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
June 30, 2024
Common equity tier 1 capital to risk weighted assets
Consolidated	$	587,746	12.41	%	$	331,525	7.00	%		N/A	N/A
Old Second Bank		638,977	13.50			331,321	7.00		$	307,656	6.50	%
Total capital to risk weighted assets
Consolidated		716,185	15.12			497,351	10.50			N/A	N/A
Old Second Bank		682,416	14.42			496,905	10.50			473,243	10.00
Tier 1 capital to risk weighted assets
Consolidated		612,746	12.94			402,499	8.50			N/A	N/A
Old Second Bank		638,977	13.50			402,319	8.50			378,653	8.00
Tier 1 capital to average assets
Consolidated		612,746	10.96			223,630	4.00			N/A	N/A
Old Second Bank		638,977	11.43			223,614	4.00			279,517	5.00
December 31, 2023
Common equity tier 1 capital to risk weighted assets
Consolidated	$	547,721	11.37	%	$	337,207	7.00	%		N/A	N/A
Old Second Bank		592,413	12.32			336,598	7.00		$	312,556	6.50	%
Total capital to risk weighted assets
Consolidated		677,076	14.06			505,640	10.50			N/A	N/A
Old Second Bank		636,768	13.24			504,990	10.50			480,943	10.00
Tier 1 capital to risk weighted assets
Consolidated		572,721	11.89			409,430	8.50			N/A	N/A
Old Second Bank		592,413	12.32			408,727	8.50			384,684	8.00
Tier 1 capital to average assets
Consolidated		572,721	10.06			227,722	4.00			N/A	N/A
Old Second Bank		592,413	10.41			227,632	4.00			284,540	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.”