Old Second Bancorp (OSBC) 10-Q 7 Nov 19 2019 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2019	Nov. 04, 2019
Document and Entity Information
Document Type	10-Q
Document Period End Date	Sep. 30, 2019
Entity Registrant Name	OLD SECOND BANCORP INC
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		29,903,154
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000357173
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 42,671	$ 38,599
Interest bearing deposits with financial institutions	11,366	16,636
Cash and cash equivalents	54,037	55,235
Securities available-for-sale, at fair value	488,422	541,248
Federal Home Loan Bank Chicago ("FHLBC") and Federal Reserve Bank Chicago ("FRBC") stock	10,711	13,433
Loans held-for-sale	5,592	2,984
Loans	1,899,811	1,897,027
Less: allowance for loan losses	19,651	19,006
Net loans	1,880,160	1,878,021
Premises and equipment, net	42,900	42,439
Other real estate owned	4,682	7,175
Mortgage servicing rights, net	5,361	7,357
Goodwill and core deposit intangible	21,404	21,814
Bank-owned life insurance (BOLI)	62,589	61,544
Deferred tax assets, net	12,691	21,280
Other assets	25,766	23,473
Total assets	2,614,315	2,676,003
Deposits:
Noninterest bearing demand	643,355	618,830
Interest bearing:
Savings, NOW, and money market	1,004,501	1,040,668
Time	426,635	457,175
Total deposits	2,074,491	2,116,673
Securities sold under repurchase agreements	48,870	46,632
Other short-term borrowings	84,000	149,500
Junior subordinated debentures	57,722	57,686
Senior notes	44,244	44,158
Notes payable and other borrowings	8,856	15,379
Other liabilities	26,111	16,894
Total liabilities	2,344,294	2,446,922
Stockholders' Equity
Common stock	34,825	34,720
Additional paid-in capital	120,291	119,081
Retained earnings	204,486	175,463
Accumulated other comprehensive (loss) income	6,371	(4,079)
Treasury stock	(95,952)	(96,104)
Total stockholders' equity	270,021	229,081
Total liabilities and stockholders' equity	$ 2,614,315	$ 2,676,003

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2019	Dec. 31, 2018
Consolidated Balance Sheets
Common stock, Par value (in dollars per share)	$ 1	$ 1
Common Stock, Shares authorized	60,000,000	60,000,000
Common stock, Shares issued	34,825,340	34,719,517
Common stock, Shares outstanding	29,903,154	29,763,078
Treasury stock, Shares	4,922,186	4,956,439

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest and Dividend Income
Loans, including fees	$ 25,109	$ 23,377	$ 74,132	$ 64,625
Loans held-for-sale	47	39	100	94
Securities:
Taxable	2,296	2,491	6,933	7,053
Tax exempt	1,719	2,064	5,958	6,239
Dividends from FHLBC and FRBC stock	154	121	459	338
Interest bearing deposits with financial institutions	119	84	344	230
Total interest and dividend income	29,444	28,176	87,926	78,579
Interest Expense
Savings, NOW, and money market deposits	724	642	2,254	1,487
Time deposits	1,672	1,568	4,931	4,187
Securities sold under repurchase agreements	135	140	431	323
Other short-term borrowings	429	311	1,611	916
Junior subordinated debentures	933	930	2,791	2,784
Senior notes	682	672	2,026	2,016
Notes payable and other borrowings	89	173	312	268
Total interest expense	4,664	4,436	14,356	11,981
Net interest and dividend income	24,780	23,740	73,570	66,598
Provision for loan and lease losses	550		1,450	728
Net interest and dividend income after provision for loan and lease losses	24,230	23,740	72,120	65,870
Noninterest Income
Mortgage servicing rights mark to market loss	(946)	(11)	(2,902)	189
Net gain on sales of mortgage loans	2,074	965	3,999	3,122
Securities gains (losses), net	3,463	13	4,476	360
Increase in cash surrender value of BOLI	267	347	1,045	946
Death benefit realized on bank-owned life insurance				1,026
Debit card interchange income	1,124	1,135	3,277	3,279
Other income	1,459	1,128	3,838	3,755
Total noninterest income	11,933	7,814	26,558	24,851
Noninterest Expense
Salaries and employee benefits	12,062	11,165	35,261	33,727
Occupancy, furniture and equipment	2,235	1,782	6,149	4,992
Computer and data processing	1,490	1,247	4,346	5,332
FDIC Insurance	(114)	162	176	483
General bank insurance	270	230	756	780
Amortization of core deposit intangible	157	136	410	254
Advertising expense	360	492	975	1,325
Debit card interchange expense	279	320	659	902
Legal fees	111	243	480	688
Other real estate expense, net	26	(370)	324	232
Other expense	3,078	3,304	9,738	9,636
Total noninterest expense	19,954	18,711	59,274	58,351
Income before income taxes	16,209	12,843	39,404	32,370
Provision for income taxes	4,036	3,201	9,485	6,978
Net income available to common stockholders	$ 12,173	$ 9,642	$ 29,919	$ 25,392
Basic earnings per share (in dollars per share)	$ 0.41	$ 0.32	$ 1	$ 0.85
Diluted earnings per share (in dollars per share)	0.40	0.32	0.98	0.84
Dividends declared per share (in dollars per share)	$ 0.01	$ 0.01	$ 0.03	$ 0.03
Deposit Account
Noninterest Income
Service charges on deposits	$ 2,020	$ 1,923	$ 5,841	$ 5,284
Trust Income
Noninterest Income
Service charges on deposits	1,730	1,644	4,955	4,784
Bank Servicing
Noninterest Income
Service charges on deposits	460	471	1,408	1,550
Secondary mortgage fees
Noninterest Income
Service charges on deposits	$ 282	$ 199	$ 621	$ 556

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Consolidated Statements of Comprehensive Income
Net income	$ 12,173	$ 9,642	$ 29,919	$ 25,392
Unrealized holding (losses) gains on available-for-sale securities arising during the period	5,824	(2,801)	23,661	(12,999)
Related tax benefit (expense)	(1,638)	788	(6,657)	3,664
Holding (losses) gains after tax on available-for-sale securities	4,186	(2,013)	17,004	(9,335)
Less: Reclassification adjustment for the net gains (losses) realized during the period
Net realized gains (losses)	3,463	13	4,476	360
Related tax (expense) benefit	(973)	(3)	(1,257)	(100)
Net realized gains (losses) after tax	2,490	10	3,219	260
Other comprehensive (loss) income on available-for-sale securities	1,696	(2,023)	13,785	(9,595)
Changes in fair value of derivatives used for cashflow hedges	(1,996)	628	(4,638)	2,422
Related tax (expense) benefit	559	(176)	1,303	(683)
Other comprehensive income on cashflow hedges	(1,437)	452	(3,335)	1,739
Total other comprehensive (loss) income	259	(1,571)	10,450	(7,856)
Total comprehensive income	$ 12,432	$ 8,071	$ 40,369	$ 17,536

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cash flows from operating activities
Net income	$ 29,919	$ 25,392
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Net premium amortization/discount (accretion) on securities	2,128	2,128
Securities (gains) losses, net	(4,476)	(360)
Provision for (release of) loan and lease losses	1,450	728
Originations of loans held-for-sale	(126,929)	(107,947)
Proceeds from sales of loans held-for-sale	127,455	111,169
Net gain on sales of mortgage loans	(3,999)	(3,122)
Change in fair value of mortgage servicing rights	2,902	(189)
Net discount / premium from (accretion) amortization on loans	(1,052)	(776)
Increase in cash surrender value of BOLI	(1,045)	(946)
Net gains on sale of other real estate owned	(254)	(716)
Provision for other real estate owned valuation losses	399	485
Depreciation of fixed assets and amortization of leasehold improvements	1,869	1,778
Net (gains) / losses on disposal and transfer of fixed assets	(32)
Amortization of core deposit intangible	410	254
Change in current income taxes receivable	3,319	671
Provision for deferred tax expense	4,493	6,777
Change in accrued interest receivable and other assets	(7,441)	533
Accretion of purchase accounting adjustment on time deposits	(38)
Amortization of purchase accounting adjustment on notes payable and other borrowings	75
Amortization of junior subordinated debentures issuance costs	36	35
Amortization of senior notes issuance costs	86	75
Change in accrued interest payable and other liabilities	6,366	2,432
Stock based compensation	1,905	1,641
Net cash provided by operating activities	37,546	40,042
Cash flows from investing activities
Proceeds from maturities and calls including pay down of securities available-for-sale	32,631	32,890
Proceeds from sales of securities available-for-sale	177,824	94,663
Purchases of securities available-for-sale	(136,096)	(71,488)
Net proceeds from sales of FHLBC stock	2,722	2,627
Net disbursements/proceeds from (purchases) sales of FRB stock		(1,421)
Net change in loans	(2,833)	9,988
Proceeds from claims on BOLI		1,204
Improvements in other real estate owned		(59)
Proceeds from sales of other real estate owned, net of participation purchase	2,644	4,292
Proceeds from disposition of premises and equipment	32
Net purchases of premises and equipment	(2,330)	(1,563)
Cash paid for acquisition, net of cash and cash equivalent retained		(35,711)
Net cash provided by investing activities	74,594	35,422
Cash flows from financing activities
Net change in deposits	(42,144)	(39,053)
Net change in securities sold under repurchase agreements	2,238	8,792
Net change in other short-term borrowings	(65,500)	(44,000)
Net change in notes payable and other borrowings	(6,598)	(5,317)
Proceeds from exercise of stock options	32
Dividends paid common stock	(896)	(892)
Purchase of treasury stock	(470)	(505)
Net cash used in financing activities	(113,338)	(80,975)
Net change in cash and cash equivalents	(1,198)	(5,511)
Cash and cash equivalents at beginning of period	55,235	55,833
Cash and cash equivalents at end of period	$ 54,037	$ 50,322

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock	Total
Balance at Dec. 31, 2017	$ 34,626	$ 117,742	$ 142,959	$ 1,479	$ (96,456)	$ 200,350
Increase (Decrease) in Stockholders' Equity
Net income			25,392			25,392
Other comprehensive income, net of tax				(7,856)		(7,856)
Dividends declared and paid			(892)			(892)
Vesting of restricted stock	91	(758)			667
Reclassification of stranded tax effects			(319)	319
Stock based compensation		1,641				1,641
Purchase of treasury stock					(505)	(505)
Balance at Sep. 30, 2018	34,717	118,625	167,140	(6,058)	(96,294)	218,130
Balance at Jun. 30, 2018	34,717	118,082	157,796	(4,487)	(96,294)	209,814
Increase (Decrease) in Stockholders' Equity
Net income			9,642			9,642
Other comprehensive income, net of tax				(1,571)		(1,571)
Dividends declared and paid			(298)			(298)
Stock based compensation		543				543
Balance at Sep. 30, 2018	34,717	118,625	167,140	(6,058)	(96,294)	218,130
Balance at Dec. 31, 2018	34,720	119,081	175,463	(4,079)	(96,104)	229,081
Increase (Decrease) in Stockholders' Equity
Net income			29,919			29,919
Other comprehensive income, net of tax				10,450		10,450
Dividends declared and paid			(896)			(896)
Vesting of restricted stock	103	(389)			286
Stock options exercised	2	7			23	32
Stock warrants exercised		(313)			313
Stock based compensation		1,905				1,905
Purchase of treasury stock					(470)	(470)
Balance at Sep. 30, 2019	34,825	120,291	204,486	6,371	(95,952)	270,021
Balance at Jun. 30, 2019	34,825	119,762	192,612	6,112	(96,047)	257,264
Increase (Decrease) in Stockholders' Equity
Net income			12,173			12,173
Other comprehensive income, net of tax				259		259
Dividends declared and paid			(299)			(299)
Vesting of restricted stock		(135)			135
Stock based compensation		664				664
Purchase of treasury stock					(40)	(40)
Balance at Sep. 30, 2019	$ 34,825	$ 120,291	$ 204,486	$ 6,371	$ (95,952)	$ 270,021

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	$ 257,264	$ 209,814	$ 229,081	$ 200,350
Other comprehensive income, net of tax	259	(1,571)	10,450	(7,856)
Balance	270,021	218,130	270,021	218,130
Accumulated Other Comprehensive Income (Loss) [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	6,112	(4,487)	(4,079)	1,479
Reclassification of stranded tax effects				319
Other comprehensive income, net of tax	259	(1,571)	10,450	(7,856)
Balance	6,371	(6,058)	6,371	(6,058)
Accumulated Unrealized Loss on Securities Available-for-Sale
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	8,051	(4,851)	(4,038)	2,239
Reclassification of stranded tax effects				482
Other comprehensive income, net of tax	1,696	(2,023)	13,785	(9,595)
Balance	9,747	(6,874)	9,747	(6,874)
Accumulated Unrealized Loss on Derivative Instruments
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	(1,939)	364	(41)	(760)
Reclassification of stranded tax effects				(163)
Other comprehensive income, net of tax	(1,437)	452	(3,335)	1,739
Balance	$ (3,376)	$ 816	$ (3,376)	$ 816

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2019
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	Note 1 – Summary of Significant Accounting Policies The accounting policies followed in the preparation of the interim consolidated financial statements are consistent with those used in the preparation of the annual financial information. The interim consolidated financial statements reflect all normal and recurring adjustments that are necessary, in the opinion of management, for a fair statement of results for the interim period presented. Results for the period ended September 30, 2019, are not necessarily indicative of the results that may be expected for the year ending December 31, 2019. These interim consolidated financial statements are unaudited and should be read in conjunction with the audited financial statements and notes included in Old Second Bancorp, Inc.’s (the “Company”) annual report on Form 10-K for the year ended December 31, 2018. Unless otherwise indicated, amounts in the tables contained in the notes to the consolidated financial statements are in thousands. Certain items in prior periods have been reclassified to conform to the current presentation. The Company’s consolidated financial statements are prepared in accordance with United States generally accepted accounting principles (“GAAP”) and follow general practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the consolidated financial statements. Future changes in information may affect these estimates, assumptions, and judgments, which, in turn, may affect amounts reported in the consolidated financial statements. Significant accounting policies are presented in Note 1 to the consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2018. These policies, along with the disclosures presented in the other financial statement notes and in this discussion, provide information on how significant assets and liabilities are valued in the consolidated financial statements and how those values are determined. Recent Accounting Pronouncements In February 2016, the FASB issued ASU No. 2016-02 “ Leases (Topic 842) .” This ASU was issued to increase transparency and comparability among organizations by recognizing lease assets and liabilities on the balance sheet and disclosing key information about leasing arrangements. One key revision from prior guidance was to include operating leases within assets and liabilities recorded; another revision was to create a new model to follow for sale-leaseback transactions. The impact of this pronouncement will primarily affect lessees, as virtually all of their assets will be recognized on the balance sheet, by recording a right of use asset and lease liability. This pronouncement is effective for fiscal years beginning after December 15, 2018. In July 2018, the FASB issued ASU No. 2018-11, “Leases (Topic 842): Targeted Improvements ” which provided additional guidance on the transition method, including application as a cumulative-effect adjustment to equity and practical expedients to use when accounting for lease components. The Company adopted this standard as of January 1, 2019, and recorded right of use assets of $817,000 with a like lease liability. As of September 30, 2019, the right of use assets and lessee lease liability both totaled $3.3 million. The Company also recorded leases receivable related to lessor leases of $174,000 as of January 1, 2019 with a like entry to lease liabilities for the lessor position; these tenant leases receivable balances and lessor lease liabilities both totaled approximately $97,000 as of September 30, 2019. There was no impact to equity for the adoption of this standard on a modified retrospective basis. In June 2016, the FASB issued ASU No. 2016-13 “ Measurement of Credit Losses on Financial Instruments (Topic 326). ” This ASU was issued to provide financial statement users with more useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date to enhance the decision making process. The new methodology to be used should reflect expected credit losses based on relevant vintage historical information, supported by reasonable forecasts of projected loss given defaults, which will affect the collectability of the reported amounts. This new methodology will also require available-for-sale debt securities to have a credit loss recorded through an allowance rather than write-downs. ASU 2016-13 is effective for financial statements issued for fiscal years beginning after December 15, 2019. The Company is assessing the impact of ASU 2016-13 on its accounting and disclosures, and has determined that a combination of loss rate models utilizing weighted average remaining life, migration and vintage analysis will be used for calculation of future expected losses based on data availability and the characteristics of each loan pool being assessed upon the ASU’s adoption in 2020. The Company has accumulated historical data by loan pools and collateral classifications, and is reviewing and refining the parallel calculation performed as of September 30, 2019, to confirm the model processes and determine financial statement impact prior to adoption in 2020. The Company is also developing internal control processes and disclosure documentation related to adoption of this standard. Subsequent Events On October 15, 2019, the Company’s Board of Directors declared a cash dividend of $0.01 per share payable on November 4, 2019, to stockholders of record as of October 25, 2019; dividends of $299,000 were paid to stockholders on November 4, 2019.

Acquisitions

Acquisitions	9 Months Ended
	Sep. 30, 2019
Acquisitions
Acquisitions	Note 2 – Acquisitions On April 20, 2018, the Company acquired Greater Chicago Financial Corp. (“GCFC”) and its wholly-owned subsidiary, ABC Bank, which operated four branches in the Chicago metro area. In addition to the acquisition price of $41.1 million, the Company retired the convertible and nonconvertible debentures held by GCFC upon acquisition, which totaled $6.6 million, including interest due. The purchase and the retirement of the debentures were funded with the Company’s cash on hand, and all GCFC common stock was retired and cancelled simultaneous with the close of the transaction. The Company acquired $227.6 million of loans, net of purchase accounting adjustments, and $248.5 million of deposits, net of purchase accounting adjustments for time deposits. Purchase accounting adjustments recorded include a loan valuation mark of $11.2 million, a core deposit intangible of $3.1 million, a fixed asset valuation adjustment of $1.5 million, and goodwill of $10.2 million. In addition, a deferred tax asset of $3.5 million was recorded as of the date of acquisition based on analysis of the fair value of assets acquired, less liabilities assumed. None of the $10.2 million recorded as goodwill is expected to be deductible for tax purposes. Acquisition related costs incurred by the Company for the year ended December 31, 2018, totaled $3.5 million, pre-tax, and included $1.1 million of salaries and employee benefits related expenses, and $1.8 million of data processing, computer and ATM related conversion costs. No acquisition related costs were incurred in the nine months ended September 30, 2019. The assets and liabilities associated with the acquisition of GCFC were recorded in the Consolidated Balance Sheets at their estimated fair values as of the acquisition date. In many cases the determination of these fair values required management to make estimates about discount rates, future expected cash flows, market conditions and other future events that are highly subjective in nature and subject to change, as noted below. The following table shows the estimated fair value of the assets acquired and liabilities assumed as of April 20, 2018. These fair value estimates were considered final as of March 31, 2019, and no further refinements to the values listed below are anticipated. The below table summarizes the assets acquired, less the liabilities assumed, related to the GCFC/ABC Bank acquisition. All amounts are listed at their estimated fair values as of date of acquisition, and have been accounted for under the acquisition method of accounting. GCFC/ABC Bank Acquisition Summary As of Date of Acquisition April 20, 2018 Assets Cash and due from banks $ 6,669 Interest bearing deposits with financial institutions 500 Securities available-for-sale, at fair value 72,091 Federal funds sold 4,300 FHLBC stock 1,549 Loans 227,594 Premises and equipment 5,339 Other real estate owned 401 Goodwill and core deposit intangible 13,280 Deferred tax assets, net 3,459 Other assets 1,767 Total assets $ 336,949 Liabilities Noninterest bearing demand $ 58,005 Savings, NOW and money market 91,494 Time 98,999 Total deposits 248,498 Securities sold under repurchase agreements 5,623 Other short-term borrowings 10,875 Notes payable and other borrowings 23,367 Other liabilities 1,406 Total liabilities 289,769 Cash consideration paid 47,180 Total Liabilities Assumed and Cash Consideration Paid for Acquisition $ 336,949 Loans acquired in the GCFC acquisition were initially recorded at fair value with no separate allowance for loan losses. The Company reviewed the loans at acquisition to determine which loans should be considered purchased credit impaired (“PCI loans”), defined as impaired loans as those that were either not accruing interest or exhibited credit risk factors consistent with nonperforming loans at the acquisition date, or purchased non-credit impaired loans (“non-PCI loans”), defined as loans acquired that did not show signs of deteriorated credit quality at acquisition. The following table represents the acquired loans as of date of acquisition and as of September 30, 2019: April 20, 2018 September 30, 2019 ABC Bank Acquired Loans PCI Non-PCI PCI Non-PCI Fair Value $ 11,360 $ 216,234 $ 9,403 $ 134,536 Contractually required principal and interest payments 19,447 220,308 15,083 135,822 Best estimate of contractual cash flows not expected to be collected 6,537 2,511 4,893 614 Best estimate of contractual cash flows expected to be collected 12,910 217,797 10,190 135,208

Securities

Securities	9 Months Ended
	Sep. 30, 2019
Securities
Securities	Note 3 – Securities Investment Portfolio Management Our investment portfolio serves the liquidity needs and income objectives of the Company. While the portfolio serves as an important component of the overall liquidity management at the Bank, portions of the portfolio also serve as income producing assets. The size and composition of the portfolio reflects liquidity needs, loan demand and interest income objectives. Portfolio size and composition will be adjusted from time to time. While a significant portion of the portfolio consists of readily marketable securities to address liquidity, other parts of the portfolio may reflect funds invested pending future loan demand or to maximize interest income without undue interest rate risk. Investments are comprised of debt securities and non-marketable equity investments. Securities available-for-sale are carried at fair value. Unrealized gains and losses, net of tax, on securities available-for-sale are reported as a separate component of equity. This balance sheet component changes as interest rates and market conditions change. Unrealized gains and losses are not included in the calculation of regulatory capital. FHLBC and FRBC stock are considered nonmarketable equity investments. FHLBC stock was recorded at $4.5 million at September 30, 2019, and $7.2 million at December 31, 2018. FRBC stock was recorded at $6.2 million at September 30, 2019, and December 31, 2018. The following tables summarize the amortized cost and fair value of the securities portfolio at September 30, 2019, and December 31, 2018, and the corresponding amounts of gross unrealized gains and losses: Gross Gross Amortized Unrealized Unrealized Fair September 30, 2019 Cost Gains Losses Value Securities available-for-sale U.S. Treasuries $ 4,009 $ 29 $ - $ 4,038 U.S. government agencies 9,304 - (161) 9,143 U.S. government agencies mortgage-backed 16,338 619 (17) 16,940 States and political subdivisions 227,680 11,962 (915) 238,727 Collateralized mortgage obligations 62,965 1,216 (60) 64,121 Asset-backed securities 82,106 1,243 (167) 83,182 Collateralized loan obligations 72,454 46 (229) 72,271 Total securities available-for-sale $ 474,856 $ 15,115 $ (1,549) $ 488,422 Gross Gross Amortized Unrealized Unrealized Fair December 31, 2018 Cost Gains Losses Value Securities available-for-sale U.S. Treasury $ 4,006 $ - $ (83) $ 3,923 U.S. government agencies 11,112 - (161) 10,951 U.S. government agencies mortgage-backed 14,407 45 (377) 14,075 States and political subdivisions 277,112 1,916 (4,961) 274,067 Collateralized mortgage obligations 66,494 79 (2,144) 64,429 Asset-backed securities 108,574 1,165 (225) 109,514 Collateralized loan obligations 65,162 24 (897) 64,289 Total securities available-for-sale $ 546,867 $ 3,229 $ (8,848) $ 541,248 The fair value, amortized cost and weighted average yield of debt securities at September 30, 2019, by contractual maturity, were as follows in the table below. Securities not due at a single maturity date are shown separately. Weighted Amortized Average Fair Securities available-for-sale Cost Yield Value Due in one year or less $ 736 1.92 % $ 736 Due after one year through five years 4,655 1.88 4,687 Due after five years through ten years 4,645 3.29 4,944 Due after ten years 230,957 3.04 241,541 240,993 3.02 251,908 Mortgage-backed and collateralized mortgage obligations 79,303 3.15 81,061 Asset-backed securities 82,106 3.27 83,182 Collateralized loan obligations 72,454 4.53 72,271 Total securities available-for-sale $ 474,856 3.31 % $ 488,422 At September 30, 2019, the Company’s investments included $55.7 million of asset-backed securities that are backed by student loans originated under the Federal Family Education Loan program (“FFEL”). Under the FFEL, private lenders made federally guaranteed student loans to parents and students. While the program was modified several times before elimination in 2010, FFEL securities are generally guaranteed by the U.S Department of Education (“DOE”) at not less than 97% of the outstanding principal amount of the loans. The guarantee will reduce to 85% if the DOE receives reimbursement requests in excess of 5% of insured loans; reimbursement will drop to 75% if reimbursement requests exceed 9% of insured loans. In addition to the DOE guarantee, total added credit enhancement in the form of overcollateralization and/or subordination amounted to $4.7 million, or 8.30% of outstanding principal. The Company has invested in securities issued from two originators that individually amount to over 10% of the Company’s stockholders equity. Information regarding these two issuers and the value of the securities issued follows: September 30, 2019 Amortized Fair Issuer Cost Value GCO Education Loan Funding Corp $ 27,840 $ 27,744 Towd Point Mortgage Trust 33,744 34,378 Securities with unrealized losses at September 30, 2019, and December 31, 2018, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (in thousands except for number of securities): Less than 12 months 12 months or more September 30, 2019 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries - $ - $ - - $ - $ - - $ - $ - U.S. government agencies - - - 4 161 9,143 4 161 9,143 U.S. government agencies mortgage-backed 3 7 3,044 2 10 848 5 17 3,892 States and political subdivisions 3 326 15,526 2 589 6,757 5 915 22,283 Collateralized mortgage obligations 2 44 9,320 3 16 2,332 5 60 11,652 Asset-backed securities 2 101 29,389 1 66 3,213 3 167 32,602 Collateralized loan obligations 5 56 26,932 4 173 25,030 9 229 51,962 Total securities available-for-sale 15 $ 534 $ 84,211 16 $ 1,015 $ 47,323 31 $ 1,549 $ 131,534 Less than 12 months 12 months or more December 31, 2018 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries - $ - $ - 1 $ 83 $ 3,923 1 $ 83 $ 3,923 U.S. government agencies 3 100 7,385 1 61 3,566 4 161 10,951 U.S. government agencies mortgage-backed - - - 11 377 11,439 11 377 11,439 States and political subdivisions 4 126 17,713 33 4,835 110,326 37 4,961 128,039 Collateralized mortgage obligations 2 309 15,211 10 1,835 43,687 12 2,144 58,898 Asset-backed securities - - - 4 225 16,473 4 225 16,473 Collateralized loan obligations 7 721 46,547 1 176 7,824 8 897 54,371 Total securities available-for-sale 16 $ 1,256 $ 86,856 61 $ 7,592 $ 197,238 77 $ 8,848 $ 284,094 Recognition of other-than-temporary impairment was not necessary as of the three months ended September 30, 2019. The changes in fair value related primarily to interest rate fluctuations. Our review of other-than-temporary impairment determined that there was no credit quality deterioration. The following table presents net realized gains (losses) on securities available-for-sale for the three and nine months ended September 30, 2019 and 2018. Three Months Ended Nine Months Ended September 30, September 30, Securities available-for-sale 2019 2018 2019 2018 Proceeds from sales of securities $ 57,228 $ 1,917 $ 177,824 $ 94,663 Gross realized gains on securities 3,841 23 5,432 370 Gross realized losses on securities (378) (10) (956) (10) Net realized gains $ 3,463 $ 13 $ 4,476 $ 360 Income tax expense on net realized gains $ (973) $ (3) $ (1,257) $ (100) Effective tax rate applied % % % % Securities valued at $328.8 million as of September 30, 2019, an increase from $311.2 million at year-end 2018, were pledged to secure deposits and borrowings, and for other purposes.

Loans

Loans	9 Months Ended
	Sep. 30, 2019
Loans
Loans	Note 4 – Loans Major classifications of loans were as follows: September 30, 2019 December 31, 2018 Commercial $ 333,664 $ 314,323 Leases 108,152 78,806 Real estate - commercial 826,780 820,941 Real estate - construction 91,066 108,390 Real estate - residential 388,511 407,068 HELOC 126,309 140,442 Other 1 14,140 14,439 Total loans, excluding deferred loan costs and PCI loans 1,888,622 1,884,409 Net deferred loan costs 2,054 1,653 Total loans, excluding PCI loans 1,890,676 1,886,062 PCI loans, net of purchase accounting adjustments 9,135 10,965 Total loans $ 1,899,811 $ 1,897,027 1 The “Other” class includes consumer and overdrafts. It is the policy of the Company to review each prospective credit prior to making a loan in order to determine if an adequate level of security or collateral has been obtained. The type of collateral, when required, will vary from liquid assets to real estate. The Company’s access to collateral, in the event of borrower default, is assured through adherence to lending laws, the Company’s lending standards and credit monitoring procedures. With selected exceptions, the Bank makes loans solely within its market area. There are no significant concentrations of loans where the customers’ ability to honor loan terms is dependent upon a single economic sector, although the real estate related categories listed above represent 75.4% and 77.9% of the portfolio at September 30, 2019, and December 31, 2018, respectively. Aged analysis of past due loans by class of loans was as follows: Recorded Investment 90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and September 30, 2019 Past Due Past Due Due Due Current Nonaccrual Total Loans Accruing Commercial $ - $ - $ - $ - $ 333,516 $ 148 $ 333,664 $ - Leases - - - - 108,078 74 108,152 - Real estate - commercial Owner occupied general purpose 1,397 1,216 - 2,613 140,928 1,183 144,724 - Owner occupied special purpose 1,416 93 - 1,509 173,835 1,591 176,935 - Non-owner occupied general purpose 623 - - 623 328,870 564 330,057 - Non-owner occupied special purpose - - - - 106,043 2,960 109,003 - Retail properties 597 - - 597 51,015 1,122 52,734 - Farm - - - - 13,327 - 13,327 - Real estate - construction Homebuilder 93 - - 93 5,142 - 5,235 - Land - - - - 12,258 - 12,258 - Commercial speculative - - - - 51,991 - 51,991 - All other - - - - 21,488 94 21,582 - Real estate - residential Investor - 496 - 496 68,114 379 68,989 - Multi-family 1 - - 1 183,475 - 183,476 - Owner occupied 106 307 - 413 132,933 2,700 136,046 - HELOC 627 93 18 738 124,556 1,015 126,309 19 Other 1 7 - - 7 16,165 22 16,194 - Total, excluding PCI loans $ 4,867 $ 2,205 $ 18 $ 7,090 $ 1,871,734 $ 11,852 $ 1,890,676 $ 19 PCI loans, net of purchase accounting adjustments 865 - - 865 6,474 1,796 9,135 - Total $ 5,732 $ 2,205 $ 18 $ 7,955 $ 1,878,208 $ 13,648 $ 1,899,811 $ 19 Recorded Investment 90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and December 31, 2018 Past Due Past Due Due Due Current Nonaccrual Total Loans Accruing Commercial $ 58 $ - $ 352 $ 410 $ 313,913 $ - $ 314,323 $ 361 Leases - - - - 78,806 - 78,806 - Real estate - commercial Owner occupied general purpose 1,768 - 33 1,801 160,892 1,579 164,272 36 Owner occupied special purpose 826 135 - 961 192,426 395 193,782 - Non-owner occupied general purpose 2,832 203 - 3,035 286,115 4,236 293,386 - Non-owner occupied special purpose - - - - 106,036 3,099 109,135 - Retail properties - 620 - 620 45,968 - 46,588 - Farm - - - - 13,778 - 13,778 - Real estate - construction Homebuilder - - - - 5,102 - 5,102 - Land 266 - - 266 2,478 - 2,744 - Commercial speculative - - 350 350 55,060 - 55,410 355 All other - - - - 45,028 106 45,134 - Real estate - residential Investor 801 156 - 957 69,148 353 70,458 - Multi-family 545 - 179 724 195,504 - 196,228 180 Owner occupied 1,241 705 - 1,946 135,360 3,076 140,382 - HELOC 775 - - 775 138,801 866 140,442 - Other 1 53 5 3 61 16,000 31 16,092 3 Total, excluding PCI loans $ 9,165 $ 1,824 $ 917 $ 11,906 $ 1,860,415 $ 13,741 $ 1,886,062 $ 935 PCI loans, net of purchase accounting adjustments 1,452 - - 1,452 7,248 2,265 10,965 - Total $ 10,617 $ 1,824 $ 917 $ 13,358 $ 1,867,663 $ 16,006 $ 1,897,027 $ 935 1 The “Other” class includes consumer, overdrafts and net deferred costs. Credit Quality Indicators The Company categorizes loans into credit risk categories based on current financial information, overall debt service coverage, comparison to industry averages, historical payment experience, and current economic trends. This analysis includes loans with outstanding balances or commitments greater than $50,000 and excludes homogeneous loans such as home equity lines of credit and residential mortgages. Loans with a classified risk rating are reviewed quarterly regardless of size or loan type. The Company uses the following definitions for classified risk ratings: Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan at some future date. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Credits that are not covered by the definitions above are pass credits, which are not considered to be adversely rated. Credit Quality Indicators by class of loans were as follows: September 30, 2019 Special Pass Mention Substandard Doubtful Total Commercial $ 316,680 $ 8,905 $ 8,079 $ - $ 333,664 Leases 108,078 - 74 - 108,152 Real estate - commercial Owner occupied general purpose 140,867 851 3,006 - 144,724 Owner occupied special purpose 170,525 4,819 1,591 - 176,935 Non-owner occupied general purpose 325,621 590 3,846 - 330,057 Non-owner occupied special purpose 106,043 - 2,960 - 109,003 Retail Properties 51,015 597 1,122 - 52,734 Farm 10,899 1,218 1,210 - 13,327 Real estate - construction Homebuilder 5,235 - - - 5,235 Land 12,258 - - - 12,258 Commercial speculative 51,991 - - - 51,991 All other 21,318 - 264 - 21,582 Real estate - residential Investor 68,005 - 984 - 68,989 Multi-Family 183,046 - 430 - 183,476 Owner occupied 132,146 134 3,766 - 136,046 HELOC 124,185 139 1,985 - 126,309 Other 1 15,832 340 22 - 16,194 Total, excluding PCI loans $ 1,843,744 $ 17,593 $ 29,339 $ - $ 1,890,676 PCI loans, net of purchase accounting adjustments 825 - 8,310 - 9,135 Total $ 1,844,569 $ 17,593 $ 37,649 $ - $ 1,899,811 December 31, 2018 Special Pass Mention Substandard Doubtful Total Commercial $ 305,993 $ 8,193 $ 137 $ - $ 314,323 Leases 78,806 - - - 78,806 Real estate - commercial Owner occupied general purpose 157,334 1,660 5,278 - 164,272 Owner occupied special purpose 186,218 3,429 4,135 - 193,782 Non-owner occupied general purpose 284,818 202 8,366 - 293,386 Non-owner occupied special purpose 104,526 1,510 3,099 - 109,135 Retail Properties 44,805 - 1,783 - 46,588 Farm 11,307 1,249 1,222 - 13,778 Real estate - construction Homebuilder 5,102 - - - 5,102 Land 2,744 - - - 2,744 Commercial speculative 55,410 - - - 55,410 All other 42,524 - 2,610 - 45,134 Real estate - residential Investor 69,242 - 1,216 - 70,458 Multi-Family 195,249 - 979 - 196,228 Owner occupied 135,858 - 4,524 - 140,382 HELOC 138,553 - 1,889 - 140,442 Other 1 16,061 - 31 - 16,092 Total, excluding PCI loans $ 1,834,550 $ 16,243 $ 35,269 $ - $ 1,886,062 PCI loans, net of purchase accounting adjustments 907 2,906 7,152 - 10,965 Total $ 1,835,457 $ 19,149 $ 42,421 $ - $ 1,897,027 1 The “Other” class includes consumer, overdrafts and net deferred costs. The Company had $425,000 and $448,000 in residential real estate loans in the process of foreclosure as of September 30, 2019 and December 31, 2018, respectively. The following tables set forth the recorded investments, unpaid principal balance and related allowance, excluding purchased credit-impaired loans, by class of loans as of September 30, 2019, and the average recorded investment and interest income recognized for the three and nine months ended September 30, 2019: Three Months Ended Nine Months Ended As of September 30, 2019 September 30, 2019 September 30, 2019 Unpaid Average Interest Average Interest Recorded Principal Related Recorded Income Recorded Income Investment Balance Allowance Investment Recognized Investment Recognized With no related allowance recorded Commercial $ - $ - $ - $ - $ - $ - $ - Leases 74 75 - 43 - 37 - Commercial real estate Owner occupied general purpose 1,254 1,328 - 1,108 2 1,457 5 Owner occupied special purpose 1,591 1,748 - 1,045 - 993 - Non-owner occupied general purpose 564 595 - 566 - 851 - Non-owner occupied special purpose 2,960 3,575 - 2,960 - 1,480 - Retail properties 1,122 1,159 - 1,130 - 561 - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other 94 131 - 98 - 71 - Residential Investor 379 500 - 381 - 366 - Multi-Family - - - - - - - Owner occupied 3,059 4,595 - 3,078 11 3,209 32 HELOC 1,032 1,407 - 1,075 - 958 1 Other 1 4 4 - 4 - 6 - Total impaired loans with no recorded allowance 12,133 15,117 - 11,488 13 9,989 38 With an allowance recorded Commercial 148 150 110 149 - 74 - Leases - - - 57 - - - Commercial real estate Owner occupied general purpose 125 125 36 395 3 260 11 Owner occupied special purpose - - - - - - - Non-owner occupied general purpose 55 55 1 55 2 1,577 4 Non-owner occupied special purpose - - - - - 1,549 - Retail properties - - - - - - - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other - - - - - 29 - Residential Investor 791 791 10 795 13 799 35 Multi-Family - - - - - - - Owner occupied 3,280 3,280 55 3,321 37 3,478 117 HELOC 1,359 1,359 55 1,370 20 1,358 59 Other 1 18 20 7 19 - 21 - Total impaired loans with a recorded allowance 5,776 5,780 274 6,161 75 9,145 226 Total impaired loans $ 17,909 $ 20,897 $ 274 $ 17,649 $ 88 $ 19,134 $ 264 1 The “Other” class includes consumer, overdrafts and net deferred costs. The following tables set forth the recorded investments, unpaid principal balance and related allowance, excluding purchased credit-impaired loans, by class of loans as of December 31, 2018, and the average recorded investment and interest income recognized for the three and nine months ended September 30, 2018: Three Months Ended Nine Months Ended As of December 31, 2018 September 30, 2018 September 30, 2018 Unpaid Average Interest Average Interest Recorded Principal Related Recorded Income Recorded Income Investment Balance Allowance Investment Recognized Investment Recognized With no related allowance recorded Commercial $ - $ - $ - $ - $ - $ - $ - Leases - - - - - - - Commercial real estate Owner occupied general purpose 1,659 1,782 - 1,263 2 1,035 5 Owner occupied special purpose 395 530 - 417 - 375 - Non-owner occupied general purpose 1,138 1,159 - 91 - 653 - Non-owner occupied special purpose - - - - - - - Retail properties - - - - - - - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other 49 73 - 121 - 125 - Residential Investor 353 459 - 368 - 369 - Multi-Family - - - - - 2,361 - Owner occupied 3,359 4,882 - 4,050 11 4,532 29 HELOC 884 1,003 - 687 - 880 1 Other 1 7 7 - 15 - 10 - Total impaired loans with no recorded allowance 7,844 9,895 - 7,012 13 10,340 35 With an allowance recorded Commercial - - - - - - - Leases - - - - - - - Commercial real estate Owner occupied general purpose 396 396 3 259 22 259 22 Owner occupied special purpose - - - - - - - Non-owner occupied general purpose 3,098 4,038 97 - - - - Non-owner occupied special purpose 3,099 3,575 139 3,099 - 1,550 - Retail properties - - - - - - - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other 57 58 1 30 - 29 - Residential Investor 808 808 4 812 11 820 33 Multi-Family - - - - - - - Owner occupied 3,676 3,679 46 3,678 35 3,576 108 HELOC 1,357 1,357 49 1,371 17 1,203 41 Other 1 24 25 13 14 - 13 - Total impaired loans with a recorded allowance 12,515 13,936 352 9,263 85 7,450 204 Total impaired loans $ 20,359 $ 23,831 $ 352 $ 16,275 $ 98 $ 17,790 $ 239 1 The “Other” class includes consumer, overdrafts and net deferred costs. Troubled debt restructurings (“TDRs”) are loans for which the contractual terms have been modified and both of these conditions exist: (1) there is a concession to the borrower and (2) the borrower is experiencing financial difficulties. Loans are restructured on a case-by-case basis during the loan collection process with modifications generally initiated at the request of the borrower. These modifications may include reduction in interest rates, extension of term, deferrals of principal, and other modifications. The Bank participates in the U.S. Department of the Treasury’s (the “Treasury”) Home Affordable Modification Program (“HAMP”) which gives qualifying homeowners an opportunity to refinance into more affordable monthly payments. The specific allocation of the allowance for loan and lease losses for TDRs is determined by calculating the present value of the TDR cash flows by discounting the original payment less an assumption for probability of default at the original note’s issue rate, and adding this amount to the present value of collateral less selling costs. If the resulting amount is less than the recorded book value, the Bank either establishes a valuation allowance (i.e., specific reserve) as a component of the allowance for loan and lease losses or charges off the impaired balance if it determines that such amount is a confirmed loss. This method is used consistently for all segments of the portfolio. The allowance for loan and lease losses also includes an allowance based on a loss migration analysis for each loan category on loans and leases that are not individually evaluated for specific impairment. All loans charged-off, including TDRs charged-off, are factored into this calculation by portfolio segment. TDRs that were modified during the period are as follows: TDR Modifications TDR Modifications Three Months Ended September 30, 2019 Nine Months Ended September 30, 2019 # of Pre-modification Post-modification # of Pre-modification Post-modification contracts recorded investment recorded investment contracts recorded investment recorded investment Troubled debt restructurings Real estate - commercial Non-owner occupied general purpose Other 1 - $ - $ - 1 $ 58 $ 55 Retail properties Other 1 1 1,159 1,122 1 1,159 1,122 Real estate - residential Owner occupied HAMP 2 - - - 3 399 297 HELOC HAMP 2 - - - 1 39 34 Other 1 - - - 1 39 38 Total 1 $ 1,159 $ 1,122 7 $ 1,694 $ 1,546 TDR Modifications TDR Modifications Three Months Ended September 30, 2018 Nine Months Ended September 30, 2018 # of Pre-modification Post-modification # of Pre-modification Post-modification contracts recorded investment recorded investment contracts recorded investment recorded investment Troubled debt restructurings Real estate - commercial Owner occupied general purpose Other 1 1 $ 427 $ 424 1 $ 427 $ 424 Owner occupied special purpose Other 1 1 110 52 Real estate - residential Owner occupied HAMP 2 1 211 211 3 383 331 Other 1 1 34 29 1 34 29 HELOC HAMP 2 1 26 26 1 26 26 Rate 3 1 24 24 Other 1 2 93 92 9 596 587 Total 6 $ 791 $ 782 17 $ 1,600 $ 1,473 1 Other: Change of terms from bankruptcy court. 2 HAMP: Home Affordable Modification Program. 3 Rate: Refers to interest rate reduction. TDRs are classified as being in default on a case-by-case basis when they fail to be in compliance with the modified terms. There was no TDR default activity for the periods ended September 30, 2019 and September 30, 2018, for loans that were restructured within the 12 month period prior to default. The following table details the accretable discount on all of the Company’s purchased loans, both non-PCI loans and PCI loans as of September 30, 2019 and September 30, 2018. The Company acquired non-PCI loans when it purchased the Chicago branch of Talmer Bank and Trust in late 2016 and in its acquisition of ABC Bank in 2018. The accretable discount recorded in the third quarter of 2019 totaled $1.0 million; the balance of the non-PCI loan discount was $6.6 million as of September 30, 2019. In the third quarter of 2018, the accretable discount totaled $775,000; the balance of the non-PCI loan discount was $9.6 million as of September 30, 2018. The accretable discount recorded for the nine months ended 2019 totaled $1.8 million; the balance of the non-PCI loan discount was $6.6 million as of September 30, 2019. For the nine months ended 2018, the accretable discount totaled $2.0 million; the balance of the non-PCI loan discount was $9.6 million as of September 30, 2018. Purchased Accounting Accretion For the Three Months Ended Accretable Discount- Non-PCI Loans Accretable Discount- PCI Loans Non-Accretable Discount- PCI Loans Total Beginning balance, July 1, 2019 $ 1,216 $ 931 $ 5,500 $ 7,647 Accretion (217) (218) (606) (1,041) Transfer - 1 (1) - Ending balance, September 30, 2019 $ 999 $ 714 $ 4,893 $ 6,606 For the Three Months Ended Accretable Discount- Non-PCI Loans Accretable Discount- PCI Loans Non-Accretable Discount- PCI Loans Total Beginning balance, July 1, 2018 $ 2,995 $ 1,373 $ 6,403 $ 10,771 Accretion (312) (129) (334) (775) Transfer (373) (26) - (399) Ending balance, September 30, 2018 $ 2,310 $ 1,218 $ 6,069 $ 9,597 For the Nine Months Ended Accretable Discount - Non-PCI Loans Accretable Discount - PCI Loans Non-Accretable Discount - PCI Loans Total Beginning balance, January 1, 2019 $ 1,867 $ 1,099 $ 5,969 $ 8,935 Accretion (868) (340) (606) (1,814) Charge-offs - (48) (467) (515) Transfer - 3 (3) - Ending balance, September 30, 2019 $ 999 $ 714 $ 4,893 $ 6,606 For the Nine Months Ended Accretable Discount - Non-PCI Loans Accretable Discount - PCI Loans Non-Accretable Discount - PCI Loans Total Beginning balance, January 1, 2018 $ 835 $ - $ - $ 835 Purchases 3,182 1,551 6,536 11,269 Accretion (1,334) (305) (334) (1,973) Transfer (373) (28) (133) (534) Ending balance, September 30, 2018 $ 2,310 $ 1,218 $ 6,069 $ 9,597

Allowance for Loan Losses

Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2019
Allowance for Loan Losses
Allowance for Loan Losses	Note 5 – Allowance for Loan and Lease Losses Changes in the allowance for loan and lease losses by segment of loans based on method of impairment for the three and nine months ended September 30, 2019, were as follows: Real Estate Real Estate Real Estate Allowance for loan and lease losses: Commercial Leases Commercial Construction Residential HELOC Other 1 Total Three months ended September 30, 2019 Beginning balance $ 3,377 $ 961 $ 10,517 $ 820 $ 1,790 $ 1,335 $ 572 $ 19,372 Charge-offs 20 47 159 7 3 19 142 397 Recoveries 10 - 12 - 22 21 61 126 (Release) Provision (49) 66 (88) (7) 56 (74) 646 550 Ending balance $ 3,318 $ 980 $ 10,282 $ 806 $ 1,865 $ 1,263 $ 1,137 $ 19,651 Nine months ended September 30, 2019 Beginning balance $ 2,832 $ 734 $ 10,470 $ 969 $ 1,931 $ 1,449 $ 621 $ 19,006 Charge-offs 99 47 432 8 21 298 311 1,216 Recoveries 46 - 47 1 86 79 152 411 Provision (Release) 539 293 197 (156) (131) 33 675 1,450 Ending balance $ 3,318 $ 980 $ 10,282 $ 806 $ 1,865 $ 1,263 $ 1,137 $ 19,651 Ending balance: Individually evaluated for impairment $ 110 $ - $ 37 $ - $ 65 $ 55 $ 7 $ 274 Ending balance: Collectively evaluated for impairment 3,208 980 9,690 806 1,800 1,208 1,113 18,805 Ending balance: Acquired and accounted for ASC 310-30 - - 555 - - - 17 572 Total ending allowance balance $ 3,318 $ 980 $ 10,282 $ 806 $ 1,865 $ 1,263 $ 1,137 $ 19,651 Loans: Ending balance: Individually evaluated for Impairment $ 148 $ 74 $ 7,671 $ 94 $ 7,509 $ 2,391 $ 22 $ 17,909 Ending balance: Collectively evaluated for impairment 333,516 108,078 819,109 90,972 381,002 123,918 16,172 1,872,767 Ending balance: Acquired and accounted for ASC 310-30 - - 3,933 637 4,565 - - 9,135 Total ending loans balance $ 333,664 $ 108,152 $ 830,713 $ 91,703 $ 393,076 $ 126,309 $ 16,194 $ 1,899,811 1 The “Other” class includes consumer, overdrafts and net deferred costs. Changes in the allowance for loan and lease losses by segment of loans based on method of impairment for three and nine months ended September 30, 2018, were as follows: Real Estate Real Estate Real Estate Allowance for loan and lease losses: Commercial Leases Commercial Construction Residential HELOC Other 1 Total Three months ended September 30, 2018 Beginning balance $ 2,676 $ 634 $ 10,537 $ 1,398 $ 1,818 $ 1,390 $ 868 $ 19,321 Charge-offs 7 - 201 - - 49 115 372 Recoveries 32 - 37 32 83 139 56 379 Provision (Release) 96 31 (144) (374) 67 (372) 696 - Ending balance $ 2,797 $ 665 $ 10,229 $ 1,056 $ 1,968 $ 1,108 $ 1,505 $ 19,328 Nine months ended September 30, 2018 Beginning balance $ 2,453 $ 692 $ 9,522 $ 923 $ 1,846 $ 1,446 $ 579 $ 17,461 Charge-offs 38 13 609 (16) (55) 141 316 1,046 Recoveries 141 - 425 35 1,099 277 208 2,185 Provision (Release) 241 (14) 891 82 (1,032) (474) 1,034 728 Ending balance $ 2,797 $ 665 $ 10,229 $ 1,056 $ 1,968 $ 1,108 $ 1,505 $ 19,328 Ending balance: Individually evaluated for impairment $ - $ - $ 185 $ 42 $ 59 $ 61 $ 26 $ 373 Ending balance: Collectively evaluated for impairment 2,797 665 10,044 1,014 1,909 1,047 1,479 18,955 Ending balance: Acquired and accounted for ASC 310-30 - - - - - - - - Total ending allowance balance $ 2,797 $ 665 $ 10,229 $ 1,056 $ 1,968 $ 1,108 $ 1,505 $ 19,328 Loans: Ending balance: Individually evaluated for impairment $ - $ - $ 5,782 $ 109 $ 8,740 $ 2,054 $ 40 $ 16,725 Ending balance: Collectively evaluated for impairment 306,407 70,661 798,402 112,764 384,858 119,968 14,277 1,807,337 Ending balance: Acquired and accounted for ASC 310-30 - - 4,126 778 5,983 - - 10,887 Total ending loan balance $ 306,407 $ 70,661 $ 808,310 $ 113,651 $ 399,581 $ 122,022 $ 14,317 $ 1,834,949

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2019
Other Real Estate Owned
Other Real Estate Owned	Note 6 – Other Real Estate Owned Details related to the activity in the other real estate owned (“OREO”) portfolio, net of valuation reserve, for the periods presented are itemized in the following table: Three Months Ended Nine Months Ended September 30, September 30, Other real estate owned 2019 2018 2019 2018 Balance at beginning of period $ 5,668 $ 8,912 $ 7,175 $ 8,371 Property additions, net of acquisition adjustments 305 (217) 305 2,595 Property improvements - - - 59 Less: Proceeds from property disposals, net of participation purchase and of gains/losses 1,088 1,612 2,390 3,576 Period valuation adjustments 203 119 399 485 Other adjustments - - 9 - Balance at end of period $ 4,682 $ 6,964 $ 4,682 $ 6,964 Activity in the valuation allowance was as follows: Three Months Ended Nine Months Ended September 30, September 30, 2019 2018 2019 2018 Balance at beginning of period $ 8,061 $ 8,348 $ 8,027 $ 8,208 Provision for unrealized losses 203 119 399 485 Reductions taken on sales (798) (456) (960) (682) Balance at end of period $ 7,466 $ 8,011 $ 7,466 $ 8,011 Expenses related to OREO, net of lease revenue includes: Three Months Ended Nine Months Ended September 30, September 30, 2019 2018 2019 2018 Gain on sales, net $ (104) $ (612) $ (254) $ (716) Provision for unrealized losses 203 119 399 485 Operating expenses (73) 133 184 502 Less: Lease revenue - 10 5 39 Net OREO expense $ 26 $ (370) $ 324 $ 232

Deposits

Deposits	9 Months Ended
	Sep. 30, 2019
Deposits
Deposits	Note 7 – Deposits Major classifications of deposits were as follows: September 30, 2019 December 31, 2018 Noninterest bearing demand $ 643,355 $ 618,830 Savings 304,726 304,400 NOW accounts 413,291 425,878 Money market accounts 286,484 310,390 Certificates of deposit of less than $100,000 222,378 230,781 Certificates of deposit of $100,000 through $250,000 142,669 159,953 Certificates of deposit of more than $250,000 61,588 66,441 Total deposits $ 2,074,491 $ 2,116,673

Borrowings

Borrowings	9 Months Ended
	Sep. 30, 2019
Borrowings
Borrowings	Note 8 – Borrowings The following table is a summary of borrowings as of September 30, 2019, and December 31, 2018. Junior subordinated debentures are discussed in detail in Note 9: September 30, 2019 December 31, 2018 Securities sold under repurchase agreements $ 48,870 $ 46,632 Other short-term borrowings 1 84,000 149,500 Junior subordinated debentures 57,722 57,686 Senior notes 44,244 44,158 Notes payable and other borrowings 8,856 15,379 Total borrowings $ 243,692 $ 313,355 1 Includes short-term FHLBC advances for both periods presented as well as the outstanding portion of an operating line of credit as of December 31, 2018, which totaled $4.0 million. The Company enters into deposit sweep transactions where the transaction amounts are secured by pledged securities. These transactions consistently mature overnight from the transaction date and are governed by sweep repurchase agreements. All sweep repurchase agreements are treated as financings secured by U.S. government agencies and collateralized mortgage-backed securities and had a carrying amount of $48.9 million at September 30, 2019, and $46.6 million at December 31, 2018. The fair value of the pledged collateral was $62.4 million at September 30, 2019 and $72.8 million at December 31, 2018. At September 30, 2019, there were no customers with secured balances exceeding 10% of stockholders’ equity. The Company’s borrowings at the FHLBC require the Bank to be a member and invest in the stock of the FHLBC. Total borrowings are generally limited to the lower of 35% of total assets or 60% of the book value of certain mortgage loans. As of September 30, 2019, the Bank had $84.0 million in short-term advances outstanding under the FHLBC compared to $145.5 million outstanding as of December 31, 2018; $65.0 million and $10.0 million of the September 30, 2019, balance was issued at 2.02% and 2.04%, respectively, and the remaining $8.9 million was issued at rates ranging from 1.76% to 2.23%. The additional $4.0 million in other short-term borrowings as of December 31, 2018, was the outstanding portion of a $20.0 million line of credit the Company has with a correspondent bank for short-term funding needs; advances under the line can be outstanding up to 360 days from the date of issuance. This line of credit was repaid with operating cash on hand in late January 2019. The Bank also assumed $23.4 million of long-term FHLBC advances with the ABC Bank acquisition. At September 30, 2019, these advances have a total outstanding balance of $8.9 million and are scheduled to mature over the next seven years with interest rates ranging between 2.19% and 2.83%. FHLBC stock held at September 30, 2019 was valued at $4.5 million, and any potential FHLBC advances were collateralized by securities with a fair value of $54.9 million and loans with a principal balance of $610.3 million, which carried a FHLBC-calculated combined collateral value of $464.1 million. The Company had excess collateral of $277.0 million available to secure borrowings at September 30, 2019. The increase in collateral availability of 367.4% since December 2018 is due to the completion of an analysis of FHLBC loan collateral eligibility in the first quarter of 2019, which expanded the capacity of funding at the FHLBC as additional loan collateral was deemed acceptable. The Company also has $44.2 million of senior notes outstanding, net of deferred issuance costs, as of September 30, 2019, and December 31, 2018. The senior notes were issued in December 2016 with a ten years maturity, and terms include interest payable semiannually at 5.75% for five years. Beginning December 2021, the senior debt will pay interest at a floating rate, with interest payable quarterly at three month LIBOR plus 385 basis points. The notes are redeemable, in whole or in part, at the option of the Company, beginning with the interest payment date on December 31, 2021, and on any floating rate interest payment date thereafter, at a redemption price equal to 100% of the principal amount of the notes plus accrued and unpaid interest. As of September 30, 2019, and December 31, 2018, unamortized debt issuance costs related to the senior notes were $756,000 and $842,000, respectively, and are included as a reduction of the balance of the senior notes on the Consolidated Balance Sheet. These deferred issuance costs will be amortized to interest expense over the ten year term of the notes and are included in the Consolidated Statements of Income.

Junior Subordinated Debentures

Junior Subordinated Debentures	9 Months Ended
	Sep. 30, 2019
Junior Subordinated Debentures.
Junior Subordinated Debentures	Note 9 – Junior Subordinated Debentures The Company completed the sale of $27.5 million of cumulative trust preferred securities by its unconsolidated subsidiary, Old Second Capital Trust I, in June 2003. An additional $4.1 million of cumulative trust preferred securities were sold in July 2003. The trust preferred securities may remain outstanding for a 30-year term but, subject to regulatory approval, can be called in whole or in part by the Company after June 30, 2008. Distributions on the securities are payable quarterly at an annual rate of 7.80%, unless the Company elects to defer such interest payments as permitted by the terms of the securities. The Company issued a new $32.6 million subordinated debenture to Old Second Capital Trust I in return for the aggregate net proceeds of this trust preferred offering. The interest rate and payment frequency on the debenture are equivalent to the cash distribution basis on the trust preferred securities. The Company issued an additional $25.0 million of cumulative trust preferred securities through a private placement completed by an additional, unconsolidated subsidiary, Old Second Capital Trust II, in April 2007. These trust preferred securities also mature in 30 years, but subject to the aforementioned regulatory approval, can be called in whole or in part on a quarterly basis commencing June 15, 2017. The quarterly cash distributions on the securities were fixed at 6.77% through June 15, 2017, and float at 150 basis points over three-month LIBOR thereafter. Upon conversion to a floating rate, a cash flow hedge was initiated which resulted in the total interest rate paid on the debt of 4.40% as of September 30, 2019, compared to the rate paid prior to June 15, 2017 of 6.77%. The Company issued a new $25.8 million subordinated debenture to Old Second Capital Trust II in return for the aggregate net proceeds of this trust preferred offering. The interest rate and payment frequency on the debenture are equivalent to the cash distribution basis on the trust preferred securities. Both of the debentures issued by the Company are disclosed on the Consolidated Balance Sheet as junior subordinated debentures and the related interest expense for each issuance is included in the Consolidated Statements of Income. As of September 30, 2019, and December 31, 2018, unamortized debt issuance costs related to the junior subordinated debentures were $657,000 and $692,000 respectively, and are included as a reduction to the balance of the junior subordinated debentures on the Consolidated Balance Sheet. These deferred issuance costs will be amortized to interest expense over the 30-year term of the notes and are included in the Consolidated Statements of Income.

Equity Compensation Plans

Equity Compensation Plans	9 Months Ended
	Sep. 30, 2019
Equity Compensation Plans
Equity Compensation Plans	Note 10 – Equity Compensation Plans Stock-based awards are outstanding under the Company’s 2008 Equity Incentive Plan (the “2008 Plan”), the Company’s 2014 Equity Incentive Plan, as amended (the “2014 Plan”), and the Company’s 2019 Equity Incentive Plan (the “2019 Plan” and together with the 2008 Plan and the 2014 Plan, the “Plans”). The 2019 Plan was approved at the May 2019 annual stockholders’ meeting and the number of authorized shares under the 2019 Plan is fixed at 600,000. Following approval of the 2014 Plan, no further awards were to be granted under the 2008 Plan or any other prior Company equity compensation plan, and following the approval of the 2019 Plan, no further awards will be granted under the 2014 Plan. The 2019 Plan authorizes the granting of qualified stock options, non-qualified stock options, restricted stock, restricted stock units, and stock appreciation rights (“SARs”). Awards may be granted to selected directors, officers, employees or eligible service providers under the 2019 Plan at the discretion of the Compensation Committee of the Company’s Board of Directors. As of September 30, 2019, 433,894 shares remained available for issuance under the 2019 Plan. There were 4,500 stock options exercised and no stock options granted in the nine months ended September 30, 2019, and no stock options granted or exercised in the nine months ended September 30, 2018. All stock options are granted for a term of ten years. There is no unrecognized compensation cost related to unvested stock options as all stock options of the Company’s common stock have fully vested. A summary of stock option activity in the Plans for the nine months ended September 30, 2019, is as follows: Weighted- Weighted Average Average Remaining Exercise Contractual Aggregate Shares per Price Term (years) Intrinsic Value Beginning outstanding 4,500 $ 7.49 0.1 $ 25 Canceled - - - - Exercised (4,500) 7.49 - (27) Expired - - - - Ending outstanding - $ - - $ - Exercisable at end of period - $ - - $ - Generally, restricted stock and restricted stock units granted under the Plans vest three years from the grant date, but the Compensation Committee of the Company’s Board of Directors has discretionary authority to change some terms including the amount of time until the vest date. Under the 2019 Plan, unless otherwise provided in an award agreement, upon the occurrence of a change in control, all stock options and SARs then held by the participant will become fully exercisable immediately if, and all stock awards and cash incentive awards will become fully earned and vested immediately if, (i) the 2019 Plan is not an obligation of the successor entity following a change in control or (ii) the 2019 Plan is an obligation of the successor entity following a change in control and the participant incurs a termination of service without cause or for good reason following the change in control. Notwithstanding the immediately preceding sentence, if the vesting of an award is conditioned upon the achievement of performance measures, then such vesting will generally be subject to the following: if, at the time of the change in control, the performance measures are less than 50% attained (pro rata based upon the time of the period through the change in control), the award will become vested and exercisable on a fractional basis with the numerator being equal to the percentage of attainment and the denominator being 50%; and if, at the time of the change in control, the performance measures are at least 50% attained (pro rata based upon the time of the period through the change in control), the award will become fully earned and vested immediately upon the change in control. The Company granted restricted stock under its equity compensation plans beginning in 2005 and it began granting restricted stock units in February 2009. Awards of restricted stock under the Plans generally entitle holders to voting and dividend rights upon grant and are subject to forfeiture until certain restrictions have lapsed including employment for a specific period. Awards of restricted stock units under the Plans are also subject to forfeiture until certain restrictions have lapsed including employment for a specific period, but do not entitle holders to voting rights until the restricted period ends and shares are transferred in connection with the units. There were 166,106 restricted stock units issued under the 2019 Plan during the nine months ended September 30, 2019. There were 254,281 restricted stock units issued under the 2014 Plan during the nine months ended September 30, 2018. Compensation expense is recognized over the vesting period of the restricted stock unit based on the market value of the award on the issue date. Total compensation cost that has been recorded for the Plans was $1.9 million and $1.7 million in the first nine months of 2019 and 2018, respectively. A summary of changes in the Company’s unvested restricted awards for the nine months ended September 30, 2019, is as follows: September 30, 2019 Weighted Restricted Average Stock Shares Grant Date and Units Fair Value Unvested at January 1 552,281 $ 11.30 Granted 166,106 12.77 Vested (123,937) 7.43 Forfeited - - Unvested at September 30 594,450 $ 12.52 Total unrecognized compensation cost of restricted awards was $3.6 million as of September 30, 2019, which is expected to be recognized over a weighted-average period of 1.97 years.

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2019
Earnings Per Share
Earnings Per Share	Note 11 – Earnings Per Share The earnings per share, both basic and diluted, are included below as of September 30: Three Months Ended September 30, Nine Months Ended September 30, 2019 2018 2019 2018 Basic earnings per share: Weighted-average common shares outstanding 29,899,063 29,747,078 29,880,511 29,718,191 Net income $ 12,173 $ 9,642 $ 29,919 $ 25,392 Basic earnings per share $ 0.41 $ 0.32 $ 1.00 $ 0.85 Diluted earnings per share: Weighted-average common shares outstanding 29,899,063 29,747,078 29,880,511 29,718,191 Dilutive effect of unvested restricted awards 539,270 563,781 510,454 525,627 Dilutive effect of stock options and warrants - 73,032 - 53,476 Diluted average common shares outstanding 30,438,333 30,383,891 30,390,965 30,297,294 Net Income $ 12,173 $ 9,642 $ 29,919 $ 25,392 Diluted earnings per share $ 0.40 $ 0.32 $ 0.98 $ 0.84 The above 2018 earnings per share calculation also includes a warrant for 815,339 shares of common stock, at an exercise price of $13.43 per share, that was outstanding as of September 30, 2018, and was considered dilutive. The ten-year warrant was issued in 2009, and was sold at auction by the U.S. Treasury in June 2013 to a third party investor. This warrant was not included as a dilutive factor as of September 30, 2019, due to its cashless exercise on January 16, 2019. As of the date of exercise, the Company’s closing market stock price was $14.23 per share, resulting in 45,836 shares being issued. The cashless warrant exercise resulted in a net $313,000 reduction to treasury stock as these shares were issued from stock held by the Company.

Regulatory & Capital Matters

Regulatory & Capital Matters	9 Months Ended
	Sep. 30, 2019
Regulatory & Capital Matters
Regulatory & Capital Matters	Note 12 – Regulatory & Capital Matters The Bank is subject to the risk-based capital regulatory guidelines, which include the methodology for calculating the risk-weighted Bank assets, developed by the Office of the Comptroller of the Currency (the “OCC”) and the other bank regulatory agencies. In connection with the current risk-based capital regulatory guidelines, the Bank’s Board of Directors has established an internal guideline requiring the Bank to maintain a Tier 1 leverage capital ratio at or above eight percent (8%) and a total risk-based capital ratio at or above twelve percent (12%). At September 30, 2019, the Bank exceeded those thresholds. At September 30, 2019, the Bank’s Tier 1 capital leverage ratio was 12.68%, an increase of 132 basis points from December 31, 2018, and is well above the 8.00% objective. The Bank’s total capital ratio was 15.72%, an increase of 158 basis points from December 31, 2018, and also well above the objective of 12.00%. Bank holding companies are generally required to maintain minimum levels of capital in accordance with capital guidelines implemented by the Board of Governors of the Federal Reserve System. The general bank and holding company capital adequacy guidelines are shown in the accompanying table, as are the capital ratios of the Company and the Bank, as of September 30, 2019 and December 31, 2018. In July 2013, the U.S. federal banking authorities issued final rules (the “Basel III Rules”) establishing more stringent regulatory capital requirements for U.S. banking institutions, which went into effect on January 1, 2015. The Basel III Rules are applicable to all banking organizations that are subject to minimum capital requirements, including federal and state banks and savings and loan associations, as well as to bank and savings and loan holding companies, other than “small bank holding companies” generally holding companies with consolidated assets of less than $3 billion. The Company is currently considered a “small bank holding company.” A detailed discussion of the Basel III Rules is included in Part I, Item 1 of the Company’s Form 10-K for the year ended December 31, 2018, under the heading “Supervision and Regulation.” At September 30, 2019, and December 31, 2018, the Company, on a consolidated basis, exceeded the minimum thresholds to be considered “well capitalized” under current regulatory defined capital ratios. Capital levels and industry defined regulatory minimum required levels are as follows: Minimum Capital Well Capitalized Adequacy with Capital Under Prompt Corrective Actual Conservation Buffer, if applicable 1 Action Provisions 2 Amount Ratio Amount Ratio Amount Ratio September 30, 2019 Common equity tier 1 capital to risk weighted assets Consolidated $ 240,643 10.89 % $ 154,683 7.000 % N/A N/A Old Second Bank 325,983 14.83 153,869 7.000 $ 153,869 6.50 % Total capital to risk weighted assets Consolidated 316,914 14.34 232,050 10.500 N/A N/A Old Second Bank 345,629 15.72 230,859 10.500 230,859 10.00 Tier 1 capital to risk weighted assets Consolidated 297,268 13.45 187,865 8.500 N/A N/A Old Second Bank 325,983 14.83 186,841 8.500 186,841 8.00 Tier 1 capital to average assets Consolidated 297,268 11.54 103,039 4.00 N/A N/A Old Second Bank 325,983 12.68 102,834 4.00 128,542 5.00 December 31, 2018 Common equity tier 1 capital to risk weighted assets Consolidated $ 207,597 9.29 % $ 142,444 6.375 % N/A N/A Old Second Bank 295,599 13.29 141,791 6.375 $ 144,571 6.50 % Total capital to risk weighted assets Consolidated 282,126 12.63 220,648 9.875 N/A N/A Old Second Bank 314,600 14.14 219,637 9.875 222,417 10.00 Tier 1 capital to risk weighted assets Consolidated 263,125 11.78 175,960 7.875 N/A N/A Old Second Bank 295,599 13.29 175,153 7.875 177,934 8.00 Tier 1 capital to average assets Consolidated 263,125 10.08 104,415 4.00 N/A N/A Old Second Bank 295,599 11.36 104,084 4.00 130,105 5.00 1 As of September 30, 2019, amounts are shown inclusive of a capital conservation buffer of 2.50%; as compared to 1.875% at December 31, 2018. Under the Federal Reserve’s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes. 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.” Dividend Restrictions In addition to the above requirements, banking regulations and capital guidelines generally limit the amount of dividends that may be paid by a bank without prior regulatory approval. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s profits, combined with the retained profit of the previous two years, subject to the capital requirements described above. Pursuant to the Basel III rules that came into effect January 1, 2015 and were fully phased in as of January 1, 2019, the Bank must keep a capital conservation buffer of 2.50% above the new regulatory minimum capital requirements, which must consist entirely of Common Equity Tier 1 capital in order to avoid additional limitations on capital distributions and certain other payments.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2019
Fair Value Measurements
Fair Value Measurements	Note 13 – Fair Value Measurements Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The fair value hierarchy established by the Company also requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Three levels of inputs that may be used to measure fair value are: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Company has the ability to access as of the measurement date. Level 2: Significant observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, and other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own view about the assumptions that market participants would use in pricing an asset or liability. The majority of securities available-for-sale are valued by external pricing services or dealer market participants and are classified in Level 2 of the fair value hierarchy. Both market and income valuation approaches are utilized. Quarterly, the Company evaluates the methodologies used by the external pricing services or dealer market participants to develop the fair values to determine whether the results of the valuations are representative of an exit price in the Company’s principal markets and an appropriate representation of fair value. The Company uses the following methods and significant assumptions to estimate fair value: · Government-sponsored agency debt securities are primarily priced using available market information through processes such as benchmark spreads, market valuations of like securities, like securities groupings and matrix pricing. · Other government-sponsored agency securities, MBS and some of the actively traded real estate mortgage investment conduits and collateralized mortgage obligations are priced using available market information including benchmark yields, prepayment speeds, spreads, volatility of similar securities and trade date. · State and political subdivisions are largely grouped by characteristics (e.g., geographical data and source of revenue in trade dissemination systems). Because some securities are not traded daily and due to other grouping limitations, active market quotes are often obtained using benchmarking for like securities. · Auction rate securities are priced using market spreads, cash flows, prepayment speeds, and loss analytics. Therefore, the valuations of auction rate asset-backed securities are considered Level 2 valuations. · Asset-backed collateralized loan obligations were priced using data from a pricing matrix supported by our bond accounting service provider and are therefore considered Level 2 valuations. · Annually every security holding is priced by a pricing service independent of the regular and recurring pricing services used. The independent service provides a measurement to indicate if the price assigned by the regular service is within or outside of a reasonable range. Management reviews this report and applies judgment in adjusting calculations at year end related to securities pricing. · Residential mortgage loans available for sale in the secondary market are carried at fair market value. The fair value of loans held-for-sale is determined using quoted secondary market prices. · Lending related commitments to fund certain residential mortgage loans, e.g., residential mortgage loans with locked interest rates to be sold in the secondary market and forward commitments for the future delivery of mortgage loans to third party investors, as well as forward commitments for future delivery of MBS are considered derivatives. Fair values are estimated based on observable changes in mortgage interest rates including prices for MBS from the date of the commitment and do not typically involve significant judgments by management. · The fair value of mortgage servicing rights is based on a valuation model that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income to derive the resultant value. The Company is able to compare the valuation model inputs, such as the discount rate, prepayment speeds, weighted average delinquency and foreclosure/bankruptcy rates to widely available published industry data for reasonableness. · Interest rate swap positions, both assets and liabilities, are based on valuation pricing models using an income approach reflecting readily observable market parameters such as interest rate yield curves. · The fair value of impaired loans with specific allocations of the allowance for loan and lease losses is essentially based on recent real estate appraisals or the fair value of the collateralized asset. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are made in the appraisal process by the appraisers to reflect differences between the available comparable sales and income data. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. · Nonrecurring adjustments to certain commercial and residential real estate properties classified as OREO are measured at fair value, less costs to sell. Fair values are based on third party appraisals of the property, resulting in a Level 3 classification, or an executed pending sales contract. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized. Assets and Liabilities Measured at Fair Value on a Recurring Basis : The tables below present the balance of assets and liabilities at September 30, 2019, and December 31, 2018, respectively, measured by the Company at fair value on a recurring basis: September 30, 2019 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 4,038 $ - $ - $ 4,038 U.S. government agencies - 9,143 - 9,143 U.S. government agencies mortgage-backed - 16,940 - 16,940 States and political subdivisions - 232,854 5,873 238,727 Collateralized mortgage obligations - 64,121 - 64,121 Asset-backed securities - 83,182 - 83,182 Collateralized loan obligations - 72,271 - 72,271 Loans held-for-sale - 5,592 - 5,592 Mortgage servicing rights - - 5,361 5,361 Interest rate swap agreements - 3,756 - 3,756 Mortgage banking derivatives - 453 - 453 Total $ 4,038 $ 488,312 $ 11,234 $ 503,584 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 8,532 $ - $ 8,532 Total $ - $ 8,532 $ - $ 8,532 December 31, 2018 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 3,923 $ - $ - $ 3,923 U.S. government agencies - 10,951 - 10,951 U.S. government agencies mortgage-backed - 14,075 - 14,075 States and political subdivisions - 265,902 8,165 274,067 Corporate bonds - - - - Collateralized mortgage obligations - 64,429 - 64,429 Asset-backed securities - 109,514 - 109,514 Collateralized loan obligations - 64,289 - 64,289 Loans held-for-sale - 2,984 - 2,984 Mortgage servicing rights - - 7,357 7,357 Interest rate swap agreements - 672 - 672 Mortgage banking derivatives - 159 - 159 Total $ 3,923 $ 532,975 $ 15,522 $ 552,420 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 756 $ - $ 756 Total $ - $ 756 $ - $ 756 The changes in Level 3 assets and liabilities measured at fair value on a recurring basis are as follows: Nine Months Ended September 30, 2019 Securities available-for-sale Collateralized States and Mortgage Mortgage Political Servicing Obligation Subdivisions Rights Beginning balance January 1, 2019 $ - $ 8,165 $ 7,357 Transfers into Level 3 - - - Transfers out of Level 3 - - - Total gains or losses Included in earnings - (25) (2,384) Included in other comprehensive income - 898 - Purchases, issuances, sales, and settlements Purchases - 17,643 - Issuances - - 906 Settlements - (20,808) (518) Ending balance September 30, 2019 $ - $ 5,873 $ 5,361 Nine Months Ended September 30, 2018 Securities available-for-sale Collateralized States and Mortgage Mortgage Political Servicing Obligation Subdivisions Rights Beginning balance January 1, 2018 $ 2,268 $ 14,261 $ 6,944 Transfers into Level 3 - - - Transfers out of Level 3 - - - Total gains or losses Included in earnings 32 - 636 Included in other comprehensive income 34 (805) - Purchases, issuances, sales, and settlements Purchases - 20,421 - Issuances - - 997 Settlements (770) (24,366) (446) Ending balance September 30, 2018 $ 1,564 $ 9,511 $ 8,131 The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of September 30, 2019: Weighted Measured at fair value Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs Mortgage servicing rights $ 5,361 Discounted Cash Flow Discount Rate 10.0% - 17.0% 10.1 % Prepayment Speed 7.0 - 69.0% 16.6 % The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of December 31, 2018: Weighted Measured at fair value Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs Mortgage servicing rights $ 7,357 Discounted Cash Flow Discount Rate 10.0 - 229.7% 10.2 % Prepayment Speed 7.0 - 68.9% 9.6 % In addition to the above, Level 3 fair value measurement included $5.9 million for state and political subdivisions representing various local municipality securities at September 30, 2019. This was classified as securities available-for-sale, and was valued using a discount based on market spreads of similar assets, but the liquidity premium was an unobservable input. The state and political subdivisions securities balance in Level 3 fair value at September 30, 2018, was $9.5 million and collateralized mortgage obligation balance in Level 3 was $1.6 million. Both of these were classified as securities available-for-sale, and were valued using a discount based on market spreads of similar assets, but the liquidity premium was an unobservable input. Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis: The Company may be required, from time to time, to measure certain other assets at fair value on a nonrecurring basis in accordance with GAAP. These assets consist of impaired loans and OREO. For assets measured at fair value on a nonrecurring basis at September 30, 2019, and December 31, 2018, respectively, the following tables provide the level of valuation assumptions used to determine each valuation and the carrying value of the related assets: September 30, 2019 Level 1 Level 2 Level 3 Total Impaired loans 1 $ - $ - $ 5,502 $ 5,502 Other real estate owned, net 2 - - 4,682 4,682 Total $ - $ - $ 10,184 $ 10,184 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans; had a carrying amount of $5.8 million and a valuation allowance of $274,000 resulting in a decrease of specific allocations within the allowance for loan and lease losses of $78,000 for the nine months ended September 30, 2019. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $4.7 million, which is made up of the outstanding balance of $13.1 million, net of a valuation allowance of $8.1 million and a participation of $937,000 at September 30, 2019. December 31, 2018 Level 1 Level 2 Level 3 Total Impaired loans 1 $ - $ - $ 12,163 $ 12,163 Other real estate owned, net 2 - - 7,175 7,175 Total $ - $ - $ 19,338 $ 19,338 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans; had a carrying amount of $12.5 million and a valuation allowance of $352,000, resulting in an increase of specific allocations within the allowance for loan and lease losses of $208,000 for the year December 31, 2018. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $7.2 million, which is made up of the outstanding balance of $16.0 million, net of a valuation allowance of $8.0 million and a participation of $900,000, at December 31, 2018. The Company has estimated the fair values of these assets based primarily on Level 3 inputs. OREO and impaired loans are generally valued using the fair value of collateral provided by third party appraisals. These valuations include assumptions related to cash flow projections, discount rates, and recent comparable sales. The numerical ranges of unobservable inputs for these valuation assumptions are not meaningful.

Fair Values of Financial Instru

Fair Values of Financial Instruments	9 Months Ended
	Sep. 30, 2019
Fair Values of Financial Instruments
Fair Values of Financial Instruments	Note 14 – Fair Values of Financial Instruments The estimated fair values approximate carrying amount for all items except those described in the following table. Securities available-for-sale fair values are based upon market prices or dealer quotes, and if no such information is available, on the rate and term of the security. The carrying value of FHLBC stock approximates fair value as the stock is nonmarketable and can only be sold to the FHLBC or another member institution at par. FHLBC stock is carried at cost and considered a Level 2 fair value. As of September 30, 2019 and 2018, the fair values of loans and leases are estimated on an exit price basis incorporating discounts for credit, liquidity and marketability factors. The fair value of time deposits is estimated using discounted future cash flows at current rates offered for deposits of similar remaining maturities. The fair values of borrowings were estimated based on interest rates available to the Company for debt with similar terms and remaining maturities. The fair value of off balance sheet volume is not considered material. The carrying amount and estimated fair values of financial instruments were as follows: September 30, 2019 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 42,671 $ 42,671 $ 42,671 $ - $ - Interest bearing deposits with financial institutions 11,366 11,366 11,366 - - Securities available-for-sale 488,422 488,422 4,038 478,511 5,873 FHLBC and FRBC stock 10,711 10,711 - 10,711 - Loans held-for-sale 5,592 5,592 - 5,592 - Net loans 1,880,160 1,915,103 - - 1,915,103 Accrued interest receivable 9,854 9,854 - 9,854 - Financial liabilities: Noninterest bearing deposits $ 643,355 $ 643,355 $ 643,355 $ - $ - Interest bearing deposits 1,431,136 1,431,267 - 1,431,267 - Securities sold under repurchase agreements 48,870 48,870 - 48,870 - Other short-term borrowings 84,000 84,000 - 84,000 - Junior subordinated debentures 57,722 42,170 34,557 7,613 - Senior notes 44,244 46,269 46,269 - - Note payable and other borrowings 8,856 8,856 - 8,856 - Interest rate swap agreements 4,696 4,696 - 4,696 - Borrowing interest payable 744 744 - 744 - Deposit interest payable 950 950 - 950 - December 31, 2018 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 38,599 $ 38,599 $ 38,599 $ - $ - Interest bearing deposits with financial institutions 16,636 16,636 16,636 - - Securities available-for-sale 541,248 541,248 3,923 529,160 8,165 FHLBC and FRBC stock 13,433 13,433 - 13,433 - Loans held-for-sale 2,984 2,984 - 2,984 - Net loans 1,878,021 1,867,594 - - 1,867,594 Accrued interest receivable 10,940 10,940 - 10,940 - Financial liabilities: Noninterest bearing deposits $ 618,830 $ 618,830 $ 618,830 $ - $ - Interest bearing deposits 1,497,843 1,495,614 - 1,495,614 - Securities sold under repurchase agreements 46,632 46,632 - 46,632 - Other short-term borrowings 149,500 149,500 - 149,500 - Junior subordinated debentures 57,686 47,625 32,989 14,636 - Senior notes 44,158 45,008 45,008 - - Note payable and other borrowings 15,379 15,379 - 15,379 - Interest rate swap agreements 58 58 - 58 - Borrowing interest payable 281 281 - 281 - Deposit interest payable 973 973 - 973 -

Derivatives, Hedging and Financ

Derivatives, Hedging and Financial Instruments with Off-Balance Sheet Risk	9 Months Ended
	Sep. 30, 2019
Mortgage Banking Derivatives
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk	Note 15 – Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk Risk Management Objective of Using Derivatives The Company is exposed to certain risk arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash receipts and its known or expected cash payments principally related to the Company’s loan portfolio. Cash Flow Hedges of Interest Rate Risk The Company’s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps as part of its interest rate risk management strategy. Interest rate swaps designated as cash flow hedges involve the receipt of variable-rate amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. During 2019 and 2018, such derivatives were used to hedge the variable cash flows associated with existing variable-rate borrowings. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Income and subsequently reclassified into interest expense in the same period(s) during which the hedged transaction affects earnings. Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest expense as interest payments are received on the Company’s variable-rate borrowings. During the next twelve months, the Company estimates that an additional $256,000 will be reclassified as an increase to interest expense. Non-designated Hedges Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain customers. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting derivatives that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate derivatives associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer derivatives and the offsetting derivatives are recognized directly in earnings. The Company also grants mortgage loan interest rate lock commitments to borrowers, subject to normal loan underwriting standards. The interest rate risk associated with these loan interest rate lock commitments is managed with contracts for future deliveries of loans as well as selling forward mortgage-backed securities contracts. Loan interest rate lock commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Commitments to originate residential mortgage loans held-for-sale and forward commitments to sell residential mortgage loans or forward MBS contracts are considered derivative instruments and changes in the fair value are recorded to mortgage banking revenue. Fair values are estimated based on observable changes in mortgage interest rates including mortgage-backed securities prices from the date of the commitment. Disclosure of Fair Values of Derivative Instruments on the Balance Sheet The Company entered into a forward starting interest rate swap on August 18, 2015, with an effective date of June 15, 2017. This transaction had a notional amount totaling $25.8 million as of December 31, 2018, was designated as a cash flow hedge of certain junior subordinated debentures and was determined to be fully effective during the period presented. As such, no amount of ineffectiveness has been included in net income. Therefore, the aggregate fair value of the swap is recorded in other liabilities with changes in fair value recorded in other comprehensive income, net of tax. The amount included in other comprehensive income would be reclassified to current earnings should all or a portion of the hedge no longer be considered effective. The Company expects the hedge to remain fully effective during the remaining term of the swap. The Bank will pay the counterparty a fixed rate and receive a floating rate based on three month LIBOR. The trust preferred securities changed from fixed rate to floating rate in June 15, 2017. The cash flow hedge has a maturity date of June 15, 2037. The Bank also has interest rate derivative positions to assist with risk management that are not designated as hedging instruments. These derivative positions relate to transactions in which the Bank enters an interest rate swap with a client while at the same time entering into an offsetting interest rate swap with another financial institution. The Bank had $176,000 of cash collateral pledged with one correspondent financial institution to support interest rate swap activity at September 30, 2019; $11.3 million of investment securities were required to be pledged to two correspondent financial institutions. The Bank had $260,000 of cash collateral pledged with one correspondent financial institution to support interest rate swap activity at December 31, 2018; no investment securities were required to be pledged. At September 30, 2019, the notional amount of non-hedging interest rate swaps was $174.5 million with a weighted average maturity of 6.0 years. At December 31, 2018, the notional amount of non-hedging interest rate swaps was $188.9 million with a weighted average maturity of 6.6 years. The Bank offsets derivative assets and liabilities that are subject to a master netting arrangement. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Balance Sheet as of September 30, 2019, and December 31, 2018. Fair Value of Derivative Instruments September 30, 2019 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swaps 25,774 Other Assets - Other Liabilities 4,696 Total derivatives designated as hedging instruments - 4,696 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 174,531 Other Assets 3,756 Other Liabilities 3,756 Interest rate lock commitments and forward contracts 50,520 Other Assets 453 Other Liabilities - Other contracts 28,231 Other Assets - Other Liabilities 79 Total derivatives not designated as hedging instruments 4,209 3,835 December 31, 2018 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swaps 25,774 Other Assets - Other Liabilities 58 Total derivatives designated as hedging instruments - 58 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 188,931 Other Assets 672 Other Liabilities 672 Interest rate lock commitments and forward contracts 18,130 Other Assets 159 Other Liabilities - Other contracts 18,155 Other Assets - Other Liabilities 26 Total derivatives not designated as hedging instruments 831 698 Disclosure of the Effect of Fair Value and Cash Flow Hedge Accounting The fair value and cash flow hedge accounting related to derivatives covered under ASC Subtopic 815-20 impacted Accumulated Other Comprehensive Income (“AOCI”) and the Income Statement. The gain recognized in AOCI on derivatives totaled $2.0 million as of September 30, 2019, and a loss in AOCI of $599,000 as of September 30, 2018. The amount of the loss reclassified from AOCI to interest income on the income statement totaled $12,000 and $29,000 for the three months ended September 30, 2019, and September 30, 2018, respectively. The amount of the loss reclassified from AOCI to interest income or interest expense on the income statement totaled $27,000 and $145,000 for the nine months ended September 30, 2019, and September 30, 2018, respectively. Credit-risk-related Contingent Features For derivative transactions involving counterparties who are lending customers of the Company, the derivative credit exposure is managed through the normal credit review and monitoring process, which may include collateralization, financial covenants and/or financial guarantees of affiliated parties. Agreements with such customers require that losses associated with derivative transactions receive payment priority from any funds recovered should a customer default and ultimate disposition of collateral or guarantees occur. Credit exposure to broker/dealer counterparties is managed through agreements with each derivative counterparty that require collateralization of fair value gains owed by such counterparties. Some small degree of credit exposure exists due to timing differences between when a gain may occur and the subsequent point in time that collateral is delivered to secure that gain. This is monitored by the Company and procedures are in place to minimize this exposure. Such agreements also require the Company to collateralize counterparties in circumstances wherein the fair value of the derivatives result in loss to the Company. Other provisions of such agreements include the definition of certain events that may lead to the declaration of default and/or the early termination of the derivative transaction(s): · If the Company either defaults or is capable of being declared in default on any of its indebtedness (exclusive of deposit obligations), then the Company could also be declared in default on its derivative obligations. · If a merger occurs that materially changes the Company's creditworthiness in an adverse manner. · If certain specified adverse regulatory actions occur, such as the issuance of a Cease and Desist Order, or citations for actions considered Unsafe and Unsound or that may lead to the termination of deposit insurance coverage by the Federal Deposit Insurance Corporation. The Bank also issues letters of credit, which are conditional commitments that guarantee the performance of a customer to a third party. The credit risk involved and collateral obtained in issuing letters of credit are essentially the same as that involved in extending loan commitments to our customers. In addition to customer related commitments, the Company is responsible for letters of credit commitments that relate to properties held in OREO. The following table represents the Company’s contractual commitments due to letters of credit as of September 30, 2019, and December 31, 2018. The following table is a summary of letter of credit commitments: September 30, 2019 December 31, 2018 Fixed Variable Total Fixed Variable Total Letters of credit: Borrower: Financial standby $ 339 $ 7,418 $ 7,757 $ 327 $ 7,158 $ 7,485 Commercial standby - 354 354 - 397 397 Performance standby 571 6,312 6,883 532 6,381 6,913 910 14,084 14,994 859 13,936 14,795 Non-borrower: Performance standby - 67 67 - 67 67 Total letters of credit $ 910 $ 14,151 $ 15,061 $ 859 $ 14,003 $ 14,862

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2019
Summary of Significant Accounting Policies
Recent Accounting Pronouncements	Recent Accounting Pronouncements In February 2016, the FASB issued ASU No. 2016-02 “ Leases (Topic 842) .” This ASU was issued to increase transparency and comparability among organizations by recognizing lease assets and liabilities on the balance sheet and disclosing key information about leasing arrangements. One key revision from prior guidance was to include operating leases within assets and liabilities recorded; another revision was to create a new model to follow for sale-leaseback transactions. The impact of this pronouncement will primarily affect lessees, as virtually all of their assets will be recognized on the balance sheet, by recording a right of use asset and lease liability. This pronouncement is effective for fiscal years beginning after December 15, 2018. In July 2018, the FASB issued ASU No. 2018-11, “Leases (Topic 842): Targeted Improvements ” which provided additional guidance on the transition method, including application as a cumulative-effect adjustment to equity and practical expedients to use when accounting for lease components. The Company adopted this standard as of January 1, 2019, and recorded right of use assets of $817,000 with a like lease liability. As of September 30, 2019, the right of use assets and lessee lease liability both totaled $3.3 million. The Company also recorded leases receivable related to lessor leases of $174,000 as of January 1, 2019 with a like entry to lease liabilities for the lessor position; these tenant leases receivable balances and lessor lease liabilities both totaled approximately $97,000 as of September 30, 2019. There was no impact to equity for the adoption of this standard on a modified retrospective basis. In June 2016, the FASB issued ASU No. 2016-13 “ Measurement of Credit Losses on Financial Instruments (Topic 326). ” This ASU was issued to provide financial statement users with more useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date to enhance the decision making process. The new methodology to be used should reflect expected credit losses based on relevant vintage historical information, supported by reasonable forecasts of projected loss given defaults, which will affect the collectability of the reported amounts. This new methodology will also require available-for-sale debt securities to have a credit loss recorded through an allowance rather than write-downs. ASU 2016-13 is effective for financial statements issued for fiscal years beginning after December 15, 2019. The Company is assessing the impact of ASU 2016-13 on its accounting and disclosures, and has determined that a combination of loss rate models utilizing weighted average remaining life, migration and vintage analysis will be used for calculation of future expected losses based on data availability and the characteristics of each loan pool being assessed upon the ASU’s adoption in 2020. The Company has accumulated historical data by loan pools and collateral classifications, and is reviewing and refining the parallel calculation performed as of September 30, 2019, to confirm the model processes and determine financial statement impact prior to adoption in 2020. The Company is also developing internal control processes and disclosure documentation related to adoption of this standard.
Subsequent Events	Subsequent Events On October 15, 2019, the Company’s Board of Directors declared a cash dividend of $0.01 per share payable on November 4, 2019, to stockholders of record as of October 25, 2019; dividends of $299,000 were paid to stockholders on November 4, 2019.

Acquisitions (Tables)

Acquisitions (Tables)	9 Months Ended
	Sep. 30, 2019
Acquisitions
Summary of acquisition	GCFC/ABC Bank Acquisition Summary As of Date of Acquisition April 20, 2018 Assets Cash and due from banks $ 6,669 Interest bearing deposits with financial institutions 500 Securities available-for-sale, at fair value 72,091 Federal funds sold 4,300 FHLBC stock 1,549 Loans 227,594 Premises and equipment 5,339 Other real estate owned 401 Goodwill and core deposit intangible 13,280 Deferred tax assets, net 3,459 Other assets 1,767 Total assets $ 336,949 Liabilities Noninterest bearing demand $ 58,005 Savings, NOW and money market 91,494 Time 98,999 Total deposits 248,498 Securities sold under repurchase agreements 5,623 Other short-term borrowings 10,875 Notes payable and other borrowings 23,367 Other liabilities 1,406 Total liabilities 289,769 Cash consideration paid 47,180 Total Liabilities Assumed and Cash Consideration Paid for Acquisition $ 336,949
Schedule of Acquired Loans as of Acquisition Date	April 20, 2018 September 30, 2019 ABC Bank Acquired Loans PCI Non-PCI PCI Non-PCI Fair Value $ 11,360 $ 216,234 $ 9,403 $ 134,536 Contractually required principal and interest payments 19,447 220,308 15,083 135,822 Best estimate of contractual cash flows not expected to be collected 6,537 2,511 4,893 614 Best estimate of contractual cash flows expected to be collected 12,910 217,797 10,190 135,208

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2019
Securities
Schedule of amortized cost and fair value of the securities portfolio and corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss	Gross Gross Amortized Unrealized Unrealized Fair September 30, 2019 Cost Gains Losses Value Securities available-for-sale U.S. Treasuries $ 4,009 $ 29 $ - $ 4,038 U.S. government agencies 9,304 - (161) 9,143 U.S. government agencies mortgage-backed 16,338 619 (17) 16,940 States and political subdivisions 227,680 11,962 (915) 238,727 Collateralized mortgage obligations 62,965 1,216 (60) 64,121 Asset-backed securities 82,106 1,243 (167) 83,182 Collateralized loan obligations 72,454 46 (229) 72,271 Total securities available-for-sale $ 474,856 $ 15,115 $ (1,549) $ 488,422 Gross Gross Amortized Unrealized Unrealized Fair December 31, 2018 Cost Gains Losses Value Securities available-for-sale U.S. Treasury $ 4,006 $ - $ (83) $ 3,923 U.S. government agencies 11,112 - (161) 10,951 U.S. government agencies mortgage-backed 14,407 45 (377) 14,075 States and political subdivisions 277,112 1,916 (4,961) 274,067 Collateralized mortgage obligations 66,494 79 (2,144) 64,429 Asset-backed securities 108,574 1,165 (225) 109,514 Collateralized loan obligations 65,162 24 (897) 64,289 Total securities available-for-sale $ 546,867 $ 3,229 $ (8,848) $ 541,248
Schedule of fair value, amortized cost and weighted average yield of debt securities by contractual maturity along with securities not due at a single maturity date, primarily mortgage-backed securities (MBS), asset-backed securities, and collateralized loan obligations	Weighted Amortized Average Fair Securities available-for-sale Cost Yield Value Due in one year or less $ 736 1.92 % $ 736 Due after one year through five years 4,655 1.88 4,687 Due after five years through ten years 4,645 3.29 4,944 Due after ten years 230,957 3.04 241,541 240,993 3.02 251,908 Mortgage-backed and collateralized mortgage obligations 79,303 3.15 81,061 Asset-backed securities 82,106 3.27 83,182 Collateralized loan obligations 72,454 4.53 72,271 Total securities available-for-sale $ 474,856 3.31 % $ 488,422
Schedule of amortized cost and fair value of securities that exceed 10% of stockholders equity	The Company has invested in securities issued from two originators that individually amount to over 10% of the Company’s stockholders equity. Information regarding these two issuers and the value of the securities issued follows: September 30, 2019 Amortized Fair Issuer Cost Value GCO Education Loan Funding Corp $ 27,840 $ 27,744 Towd Point Mortgage Trust 33,744 34,378
Schedule of securities with unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position	Less than 12 months 12 months or more September 30, 2019 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries - $ - $ - - $ - $ - - $ - $ - U.S. government agencies - - - 4 161 9,143 4 161 9,143 U.S. government agencies mortgage-backed 3 7 3,044 2 10 848 5 17 3,892 States and political subdivisions 3 326 15,526 2 589 6,757 5 915 22,283 Collateralized mortgage obligations 2 44 9,320 3 16 2,332 5 60 11,652 Asset-backed securities 2 101 29,389 1 66 3,213 3 167 32,602 Collateralized loan obligations 5 56 26,932 4 173 25,030 9 229 51,962 Total securities available-for-sale 15 $ 534 $ 84,211 16 $ 1,015 $ 47,323 31 $ 1,549 $ 131,534 Less than 12 months 12 months or more December 31, 2018 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries - $ - $ - 1 $ 83 $ 3,923 1 $ 83 $ 3,923 U.S. government agencies 3 100 7,385 1 61 3,566 4 161 10,951 U.S. government agencies mortgage-backed - - - 11 377 11,439 11 377 11,439 States and political subdivisions 4 126 17,713 33 4,835 110,326 37 4,961 128,039 Collateralized mortgage obligations 2 309 15,211 10 1,835 43,687 12 2,144 58,898 Asset-backed securities - - - 4 225 16,473 4 225 16,473 Collateralized loan obligations 7 721 46,547 1 176 7,824 8 897 54,371 Total securities available-for-sale 16 $ 1,256 $ 86,856 61 $ 7,592 $ 197,238 77 $ 8,848 $ 284,094
Schedule of proceeds from sale and gross realized gains and losses on sale of securities	Three Months Ended Nine Months Ended September 30, September 30, Securities available-for-sale 2019 2018 2019 2018 Proceeds from sales of securities $ 57,228 $ 1,917 $ 177,824 $ 94,663 Gross realized gains on securities 3,841 23 5,432 370 Gross realized losses on securities (378) (10) (956) (10) Net realized gains $ 3,463 $ 13 $ 4,476 $ 360 Income tax expense on net realized gains $ (973) $ (3) $ (1,257) $ (100) Effective tax rate applied % % % %

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2019
Loans
Schedule of major classifications of loans	September 30, 2019 December 31, 2018 Commercial $ 333,664 $ 314,323 Leases 108,152 78,806 Real estate - commercial 826,780 820,941 Real estate - construction 91,066 108,390 Real estate - residential 388,511 407,068 HELOC 126,309 140,442 Other 1 14,140 14,439 Total loans, excluding deferred loan costs and PCI loans 1,888,622 1,884,409 Net deferred loan costs 2,054 1,653 Total loans, excluding PCI loans 1,890,676 1,886,062 PCI loans, net of purchase accounting adjustments 9,135 10,965 Total loans $ 1,899,811 $ 1,897,027
Schedule of aged analysis of past due loans by class of loans	Recorded Investment 90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and September 30, 2019 Past Due Past Due Due Due Current Nonaccrual Total Loans Accruing Commercial $ - $ - $ - $ - $ 333,516 $ 148 $ 333,664 $ - Leases - - - - 108,078 74 108,152 - Real estate - commercial Owner occupied general purpose 1,397 1,216 - 2,613 140,928 1,183 144,724 - Owner occupied special purpose 1,416 93 - 1,509 173,835 1,591 176,935 - Non-owner occupied general purpose 623 - - 623 328,870 564 330,057 - Non-owner occupied special purpose - - - - 106,043 2,960 109,003 - Retail properties 597 - - 597 51,015 1,122 52,734 - Farm - - - - 13,327 - 13,327 - Real estate - construction Homebuilder 93 - - 93 5,142 - 5,235 - Land - - - - 12,258 - 12,258 - Commercial speculative - - - - 51,991 - 51,991 - All other - - - - 21,488 94 21,582 - Real estate - residential Investor - 496 - 496 68,114 379 68,989 - Multi-family 1 - - 1 183,475 - 183,476 - Owner occupied 106 307 - 413 132,933 2,700 136,046 - HELOC 627 93 18 738 124,556 1,015 126,309 19 Other 1 7 - - 7 16,165 22 16,194 - Total, excluding PCI loans $ 4,867 $ 2,205 $ 18 $ 7,090 $ 1,871,734 $ 11,852 $ 1,890,676 $ 19 PCI loans, net of purchase accounting adjustments 865 - - 865 6,474 1,796 9,135 - Total $ 5,732 $ 2,205 $ 18 $ 7,955 $ 1,878,208 $ 13,648 $ 1,899,811 $ 19 Recorded Investment 90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and December 31, 2018 Past Due Past Due Due Due Current Nonaccrual Total Loans Accruing Commercial $ 58 $ - $ 352 $ 410 $ 313,913 $ - $ 314,323 $ 361 Leases - - - - 78,806 - 78,806 - Real estate - commercial Owner occupied general purpose 1,768 - 33 1,801 160,892 1,579 164,272 36 Owner occupied special purpose 826 135 - 961 192,426 395 193,782 - Non-owner occupied general purpose 2,832 203 - 3,035 286,115 4,236 293,386 - Non-owner occupied special purpose - - - - 106,036 3,099 109,135 - Retail properties - 620 - 620 45,968 - 46,588 - Farm - - - - 13,778 - 13,778 - Real estate - construction Homebuilder - - - - 5,102 - 5,102 - Land 266 - - 266 2,478 - 2,744 - Commercial speculative - - 350 350 55,060 - 55,410 355 All other - - - - 45,028 106 45,134 - Real estate - residential Investor 801 156 - 957 69,148 353 70,458 - Multi-family 545 - 179 724 195,504 - 196,228 180 Owner occupied 1,241 705 - 1,946 135,360 3,076 140,382 - HELOC 775 - - 775 138,801 866 140,442 - Other 1 53 5 3 61 16,000 31 16,092 3 Total, excluding PCI loans $ 9,165 $ 1,824 $ 917 $ 11,906 $ 1,860,415 $ 13,741 $ 1,886,062 $ 935 PCI loans, net of purchase accounting adjustments 1,452 - - 1,452 7,248 2,265 10,965 - Total $ 10,617 $ 1,824 $ 917 $ 13,358 $ 1,867,663 $ 16,006 $ 1,897,027 $ 935 1 The “Other” class includes consumer, overdrafts and net deferred costs.
Schedule of credit quality indicators by class of loans	September 30, 2019 Special Pass Mention Substandard Doubtful Total Commercial $ 316,680 $ 8,905 $ 8,079 $ - $ 333,664 Leases 108,078 - 74 - 108,152 Real estate - commercial Owner occupied general purpose 140,867 851 3,006 - 144,724 Owner occupied special purpose 170,525 4,819 1,591 - 176,935 Non-owner occupied general purpose 325,621 590 3,846 - 330,057 Non-owner occupied special purpose 106,043 - 2,960 - 109,003 Retail Properties 51,015 597 1,122 - 52,734 Farm 10,899 1,218 1,210 - 13,327 Real estate - construction Homebuilder 5,235 - - - 5,235 Land 12,258 - - - 12,258 Commercial speculative 51,991 - - - 51,991 All other 21,318 - 264 - 21,582 Real estate - residential Investor 68,005 - 984 - 68,989 Multi-Family 183,046 - 430 - 183,476 Owner occupied 132,146 134 3,766 - 136,046 HELOC 124,185 139 1,985 - 126,309 Other 1 15,832 340 22 - 16,194 Total, excluding PCI loans $ 1,843,744 $ 17,593 $ 29,339 $ - $ 1,890,676 PCI loans, net of purchase accounting adjustments 825 - 8,310 - 9,135 Total $ 1,844,569 $ 17,593 $ 37,649 $ - $ 1,899,811 December 31, 2018 Special Pass Mention Substandard Doubtful Total Commercial $ 305,993 $ 8,193 $ 137 $ - $ 314,323 Leases 78,806 - - - 78,806 Real estate - commercial Owner occupied general purpose 157,334 1,660 5,278 - 164,272 Owner occupied special purpose 186,218 3,429 4,135 - 193,782 Non-owner occupied general purpose 284,818 202 8,366 - 293,386 Non-owner occupied special purpose 104,526 1,510 3,099 - 109,135 Retail Properties 44,805 - 1,783 - 46,588 Farm 11,307 1,249 1,222 - 13,778 Real estate - construction Homebuilder 5,102 - - - 5,102 Land 2,744 - - - 2,744 Commercial speculative 55,410 - - - 55,410 All other 42,524 - 2,610 - 45,134 Real estate - residential Investor 69,242 - 1,216 - 70,458 Multi-Family 195,249 - 979 - 196,228 Owner occupied 135,858 - 4,524 - 140,382 HELOC 138,553 - 1,889 - 140,442 Other 1 16,061 - 31 - 16,092 Total, excluding PCI loans $ 1,834,550 $ 16,243 $ 35,269 $ - $ 1,886,062 PCI loans, net of purchase accounting adjustments 907 2,906 7,152 - 10,965 Total $ 1,835,457 $ 19,149 $ 42,421 $ - $ 1,897,027 1 The “Other” class includes consumer, overdrafts and net deferred costs.
Schedule of impaired loans by class of loan	Three Months Ended Nine Months Ended As of September 30, 2019 September 30, 2019 September 30, 2019 Unpaid Average Interest Average Interest Recorded Principal Related Recorded Income Recorded Income Investment Balance Allowance Investment Recognized Investment Recognized With no related allowance recorded Commercial $ - $ - $ - $ - $ - $ - $ - Leases 74 75 - 43 - 37 - Commercial real estate Owner occupied general purpose 1,254 1,328 - 1,108 2 1,457 5 Owner occupied special purpose 1,591 1,748 - 1,045 - 993 - Non-owner occupied general purpose 564 595 - 566 - 851 - Non-owner occupied special purpose 2,960 3,575 - 2,960 - 1,480 - Retail properties 1,122 1,159 - 1,130 - 561 - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other 94 131 - 98 - 71 - Residential Investor 379 500 - 381 - 366 - Multi-Family - - - - - - - Owner occupied 3,059 4,595 - 3,078 11 3,209 32 HELOC 1,032 1,407 - 1,075 - 958 1 Other 1 4 4 - 4 - 6 - Total impaired loans with no recorded allowance 12,133 15,117 - 11,488 13 9,989 38 With an allowance recorded Commercial 148 150 110 149 - 74 - Leases - - - 57 - - - Commercial real estate Owner occupied general purpose 125 125 36 395 3 260 11 Owner occupied special purpose - - - - - - - Non-owner occupied general purpose 55 55 1 55 2 1,577 4 Non-owner occupied special purpose - - - - - 1,549 - Retail properties - - - - - - - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other - - - - - 29 - Residential Investor 791 791 10 795 13 799 35 Multi-Family - - - - - - - Owner occupied 3,280 3,280 55 3,321 37 3,478 117 HELOC 1,359 1,359 55 1,370 20 1,358 59 Other 1 18 20 7 19 - 21 - Total impaired loans with a recorded allowance 5,776 5,780 274 6,161 75 9,145 226 Total impaired loans $ 17,909 $ 20,897 $ 274 $ 17,649 $ 88 $ 19,134 $ 264 1 The “Other” class includes consumer, overdrafts and net deferred costs. The following tables set forth the recorded investments, unpaid principal balance and related allowance, excluding purchased credit-impaired loans, by class of loans as of December 31, 2018, and the average recorded investment and interest income recognized for the three and nine months ended September 30, 2018: Three Months Ended Nine Months Ended As of December 31, 2018 September 30, 2018 September 30, 2018 Unpaid Average Interest Average Interest Recorded Principal Related Recorded Income Recorded Income Investment Balance Allowance Investment Recognized Investment Recognized With no related allowance recorded Commercial $ - $ - $ - $ - $ - $ - $ - Leases - - - - - - - Commercial real estate Owner occupied general purpose 1,659 1,782 - 1,263 2 1,035 5 Owner occupied special purpose 395 530 - 417 - 375 - Non-owner occupied general purpose 1,138 1,159 - 91 - 653 - Non-owner occupied special purpose - - - - - - - Retail properties - - - - - - - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other 49 73 - 121 - 125 - Residential Investor 353 459 - 368 - 369 - Multi-Family - - - - - 2,361 - Owner occupied 3,359 4,882 - 4,050 11 4,532 29 HELOC 884 1,003 - 687 - 880 1 Other 1 7 7 - 15 - 10 - Total impaired loans with no recorded allowance 7,844 9,895 - 7,012 13 10,340 35 With an allowance recorded Commercial - - - - - - - Leases - - - - - - - Commercial real estate Owner occupied general purpose 396 396 3 259 22 259 22 Owner occupied special purpose - - - - - - - Non-owner occupied general purpose 3,098 4,038 97 - - - - Non-owner occupied special purpose 3,099 3,575 139 3,099 - 1,550 - Retail properties - - - - - - - Farm - - - - - - - Construction Homebuilder - - - - - - - Land - - - - - - - Commercial speculative - - - - - - - All other 57 58 1 30 - 29 - Residential Investor 808 808 4 812 11 820 33 Multi-Family - - - - - - - Owner occupied 3,676 3,679 46 3,678 35 3,576 108 HELOC 1,357 1,357 49 1,371 17 1,203 41 Other 1 24 25 13 14 - 13 - Total impaired loans with a recorded allowance 12,515 13,936 352 9,263 85 7,450 204 Total impaired loans $ 20,359 $ 23,831 $ 352 $ 16,275 $ 98 $ 17,790 $ 239
Schedule of TDRs modified during the period by type of modification	TDRs that were modified during the period are as follows: TDR Modifications TDR Modifications Three Months Ended September 30, 2019 Nine Months Ended September 30, 2019 # of Pre-modification Post-modification # of Pre-modification Post-modification contracts recorded investment recorded investment contracts recorded investment recorded investment Troubled debt restructurings Real estate - commercial Non-owner occupied general purpose Other 1 - $ - $ - 1 $ 58 $ 55 Retail properties Other 1 1 1,159 1,122 1 1,159 1,122 Real estate - residential Owner occupied HAMP 2 - - - 3 399 297 HELOC HAMP 2 - - - 1 39 34 Other 1 - - - 1 39 38 Total 1 $ 1,159 $ 1,122 7 $ 1,694 $ 1,546 TDR Modifications TDR Modifications Three Months Ended September 30, 2018 Nine Months Ended September 30, 2018 # of Pre-modification Post-modification # of Pre-modification Post-modification contracts recorded investment recorded investment contracts recorded investment recorded investment Troubled debt restructurings Real estate - commercial Owner occupied general purpose Other 1 1 $ 427 $ 424 1 $ 427 $ 424 Owner occupied special purpose Other 1 1 110 52 Real estate - residential Owner occupied HAMP 2 1 211 211 3 383 331 Other 1 1 34 29 1 34 29 HELOC HAMP 2 1 26 26 1 26 26 Rate 3 1 24 24 Other 1 2 93 92 9 596 587 Total 6 $ 791 $ 782 17 $ 1,600 $ 1,473 1 Other: Change of terms from bankruptcy court. 2 HAMP: Home Affordable Modification Program. 3 Rate: Refers to interest rate reduction.
Schedule of accretable discount on purchased loans	Purchased Accounting Accretion For the Three Months Ended Accretable Discount- Non-PCI Loans Accretable Discount- PCI Loans Non-Accretable Discount- PCI Loans Total Beginning balance, July 1, 2019 $ 1,216 $ 931 $ 5,500 $ 7,647 Accretion (217) (218) (606) (1,041) Transfer - 1 (1) - Ending balance, September 30, 2019 $ 999 $ 714 $ 4,893 $ 6,606 For the Three Months Ended Accretable Discount- Non-PCI Loans Accretable Discount- PCI Loans Non-Accretable Discount- PCI Loans Total Beginning balance, July 1, 2018 $ 2,995 $ 1,373 $ 6,403 $ 10,771 Accretion (312) (129) (334) (775) Transfer (373) (26) - (399) Ending balance, September 30, 2018 $ 2,310 $ 1,218 $ 6,069 $ 9,597 For the Nine Months Ended Accretable Discount - Non-PCI Loans Accretable Discount - PCI Loans Non-Accretable Discount - PCI Loans Total Beginning balance, January 1, 2019 $ 1,867 $ 1,099 $ 5,969 $ 8,935 Accretion (868) (340) (606) (1,814) Charge-offs - (48) (467) (515) Transfer - 3 (3) - Ending balance, September 30, 2019 $ 999 $ 714 $ 4,893 $ 6,606 For the Nine Months Ended Accretable Discount - Non-PCI Loans Accretable Discount - PCI Loans Non-Accretable Discount - PCI Loans Total Beginning balance, January 1, 2018 $ 835 $ - $ - $ 835 Purchases 3,182 1,551 6,536 11,269 Accretion (1,334) (305) (334) (1,973) Transfer (373) (28) (133) (534) Ending balance, September 30, 2018 $ 2,310 $ 1,218 $ 6,069 $ 9,597

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2019
Allowance for Loan Losses
Schedule of changes in the allowance for loan losses by segment of loans based on method of impairment	Changes in the allowance for loan and lease losses by segment of loans based on method of impairment for the three and nine months ended September 30, 2019, were as follows: Real Estate Real Estate Real Estate Allowance for loan and lease losses: Commercial Leases Commercial Construction Residential HELOC Other 1 Total Three months ended September 30, 2019 Beginning balance $ 3,377 $ 961 $ 10,517 $ 820 $ 1,790 $ 1,335 $ 572 $ 19,372 Charge-offs 20 47 159 7 3 19 142 397 Recoveries 10 - 12 - 22 21 61 126 (Release) Provision (49) 66 (88) (7) 56 (74) 646 550 Ending balance $ 3,318 $ 980 $ 10,282 $ 806 $ 1,865 $ 1,263 $ 1,137 $ 19,651 Nine months ended September 30, 2019 Beginning balance $ 2,832 $ 734 $ 10,470 $ 969 $ 1,931 $ 1,449 $ 621 $ 19,006 Charge-offs 99 47 432 8 21 298 311 1,216 Recoveries 46 - 47 1 86 79 152 411 Provision (Release) 539 293 197 (156) (131) 33 675 1,450 Ending balance $ 3,318 $ 980 $ 10,282 $ 806 $ 1,865 $ 1,263 $ 1,137 $ 19,651 Ending balance: Individually evaluated for impairment $ 110 $ - $ 37 $ - $ 65 $ 55 $ 7 $ 274 Ending balance: Collectively evaluated for impairment 3,208 980 9,690 806 1,800 1,208 1,113 18,805 Ending balance: Acquired and accounted for ASC 310-30 - - 555 - - - 17 572 Total ending allowance balance $ 3,318 $ 980 $ 10,282 $ 806 $ 1,865 $ 1,263 $ 1,137 $ 19,651 Loans: Ending balance: Individually evaluated for Impairment $ 148 $ 74 $ 7,671 $ 94 $ 7,509 $ 2,391 $ 22 $ 17,909 Ending balance: Collectively evaluated for impairment 333,516 108,078 819,109 90,972 381,002 123,918 16,172 1,872,767 Ending balance: Acquired and accounted for ASC 310-30 - - 3,933 637 4,565 - - 9,135 Total ending loans balance $ 333,664 $ 108,152 $ 830,713 $ 91,703 $ 393,076 $ 126,309 $ 16,194 $ 1,899,811 1 The “Other” class includes consumer, overdrafts and net deferred costs. Changes in the allowance for loan and lease losses by segment of loans based on method of impairment for three and nine months ended September 30, 2018, were as follows: Real Estate Real Estate Real Estate Allowance for loan and lease losses: Commercial Leases Commercial Construction Residential HELOC Other 1 Total Three months ended September 30, 2018 Beginning balance $ 2,676 $ 634 $ 10,537 $ 1,398 $ 1,818 $ 1,390 $ 868 $ 19,321 Charge-offs 7 - 201 - - 49 115 372 Recoveries 32 - 37 32 83 139 56 379 Provision (Release) 96 31 (144) (374) 67 (372) 696 - Ending balance $ 2,797 $ 665 $ 10,229 $ 1,056 $ 1,968 $ 1,108 $ 1,505 $ 19,328 Nine months ended September 30, 2018 Beginning balance $ 2,453 $ 692 $ 9,522 $ 923 $ 1,846 $ 1,446 $ 579 $ 17,461 Charge-offs 38 13 609 (16) (55) 141 316 1,046 Recoveries 141 - 425 35 1,099 277 208 2,185 Provision (Release) 241 (14) 891 82 (1,032) (474) 1,034 728 Ending balance $ 2,797 $ 665 $ 10,229 $ 1,056 $ 1,968 $ 1,108 $ 1,505 $ 19,328 Ending balance: Individually evaluated for impairment $ - $ - $ 185 $ 42 $ 59 $ 61 $ 26 $ 373 Ending balance: Collectively evaluated for impairment 2,797 665 10,044 1,014 1,909 1,047 1,479 18,955 Ending balance: Acquired and accounted for ASC 310-30 - - - - - - - - Total ending allowance balance $ 2,797 $ 665 $ 10,229 $ 1,056 $ 1,968 $ 1,108 $ 1,505 $ 19,328 Loans: Ending balance: Individually evaluated for impairment $ - $ - $ 5,782 $ 109 $ 8,740 $ 2,054 $ 40 $ 16,725 Ending balance: Collectively evaluated for impairment 306,407 70,661 798,402 112,764 384,858 119,968 14,277 1,807,337 Ending balance: Acquired and accounted for ASC 310-30 - - 4,126 778 5,983 - - 10,887 Total ending loan balance $ 306,407 $ 70,661 $ 808,310 $ 113,651 $ 399,581 $ 122,022 $ 14,317 $ 1,834,949

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2019
Other Real Estate Owned
Schedule of activity in the other real estate owned (OREO) portfolio, net of valuation reserve	Three Months Ended Nine Months Ended September 30, September 30, Other real estate owned 2019 2018 2019 2018 Balance at beginning of period $ 5,668 $ 8,912 $ 7,175 $ 8,371 Property additions, net of acquisition adjustments 305 (217) 305 2,595 Property improvements - - - 59 Less: Proceeds from property disposals, net of participation purchase and of gains/losses 1,088 1,612 2,390 3,576 Period valuation adjustments 203 119 399 485 Other adjustments - - 9 - Balance at end of period $ 4,682 $ 6,964 $ 4,682 $ 6,964
Schedule of activity in valuation allowance	Three Months Ended Nine Months Ended September 30, September 30, 2019 2018 2019 2018 Balance at beginning of period $ 8,061 $ 8,348 $ 8,027 $ 8,208 Provision for unrealized losses 203 119 399 485 Reductions taken on sales (798) (456) (960) (682) Balance at end of period $ 7,466 $ 8,011 $ 7,466 $ 8,011
Schedule of expenses related to foreclosed assets, net of lease revenue	Three Months Ended Nine Months Ended September 30, September 30, 2019 2018 2019 2018 Gain on sales, net $ (104) $ (612) $ (254) $ (716) Provision for unrealized losses 203 119 399 485 Operating expenses (73) 133 184 502 Less: Lease revenue - 10 5 39 Net OREO expense $ 26 $ (370) $ 324 $ 232

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Sep. 30, 2019
Deposits
Schedule of major classifications of deposits	September 30, 2019 December 31, 2018 Noninterest bearing demand $ 643,355 $ 618,830 Savings 304,726 304,400 NOW accounts 413,291 425,878 Money market accounts 286,484 310,390 Certificates of deposit of less than $100,000 222,378 230,781 Certificates of deposit of $100,000 through $250,000 142,669 159,953 Certificates of deposit of more than $250,000 61,588 66,441 Total deposits $ 2,074,491 $ 2,116,673

Borrowings (Tables)

Borrowings (Tables)	9 Months Ended
	Sep. 30, 2019
Borrowings
Summary of borrowings and junior subordinated debentures	September 30, 2019 December 31, 2018 Securities sold under repurchase agreements $ 48,870 $ 46,632 Other short-term borrowings 1 84,000 149,500 Junior subordinated debentures 57,722 57,686 Senior notes 44,244 44,158 Notes payable and other borrowings 8,856 15,379 Total borrowings $ 243,692 $ 313,355 1 Includes short-term FHLBC advances for both periods presented as well as the outstanding portion of an operating line of credit as of December 31, 2018, which totaled $4.0 million.

Equity Compensation Plans (Tabl

Equity Compensation Plans (Tables)	9 Months Ended
	Sep. 30, 2019
Equity Compensation Plans
Summary of stock option activity in Incentive Plan	A summary of stock option activity in the Plans for the nine months ended September 30, 2019, is as follows: Weighted- Weighted Average Average Remaining Exercise Contractual Aggregate Shares per Price Term (years) Intrinsic Value Beginning outstanding 4,500 $ 7.49 0.1 $ 25 Canceled - - - - Exercised (4,500) 7.49 - (27) Expired - - - - Ending outstanding - $ - - $ - Exercisable at end of period - $ - - $ -
Summary of changes in nonvested shares of restricted share rights	September 30, 2019 Weighted Restricted Average Stock Shares Grant Date and Units Fair Value Unvested at January 1 552,281 $ 11.30 Granted 166,106 12.77 Vested (123,937) 7.43 Forfeited - - Unvested at September 30 594,450 $ 12.52

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2019
Earnings Per Share
Schedule of Earnings Per Share	Three Months Ended September 30, Nine Months Ended September 30, 2019 2018 2019 2018 Basic earnings per share: Weighted-average common shares outstanding 29,899,063 29,747,078 29,880,511 29,718,191 Net income $ 12,173 $ 9,642 $ 29,919 $ 25,392 Basic earnings per share $ 0.41 $ 0.32 $ 1.00 $ 0.85 Diluted earnings per share: Weighted-average common shares outstanding 29,899,063 29,747,078 29,880,511 29,718,191 Dilutive effect of unvested restricted awards 539,270 563,781 510,454 525,627 Dilutive effect of stock options and warrants - 73,032 - 53,476 Diluted average common shares outstanding 30,438,333 30,383,891 30,390,965 30,297,294 Net Income $ 12,173 $ 9,642 $ 29,919 $ 25,392 Diluted earnings per share $ 0.40 $ 0.32 $ 0.98 $ 0.84

Regulatory & Capital Matters (T

Regulatory & Capital Matters (Tables)	9 Months Ended
	Sep. 30, 2019
Regulatory & Capital Matters
Schedule of capital levels and industry defined regulatory minimum required levels	Capital levels and industry defined regulatory minimum required levels are as follows: Minimum Capital Well Capitalized Adequacy with Capital Under Prompt Corrective Actual Conservation Buffer, if applicable 1 Action Provisions 2 Amount Ratio Amount Ratio Amount Ratio September 30, 2019 Common equity tier 1 capital to risk weighted assets Consolidated $ 240,643 10.89 % $ 154,683 7.000 % N/A N/A Old Second Bank 325,983 14.83 153,869 7.000 $ 153,869 6.50 % Total capital to risk weighted assets Consolidated 316,914 14.34 232,050 10.500 N/A N/A Old Second Bank 345,629 15.72 230,859 10.500 230,859 10.00 Tier 1 capital to risk weighted assets Consolidated 297,268 13.45 187,865 8.500 N/A N/A Old Second Bank 325,983 14.83 186,841 8.500 186,841 8.00 Tier 1 capital to average assets Consolidated 297,268 11.54 103,039 4.00 N/A N/A Old Second Bank 325,983 12.68 102,834 4.00 128,542 5.00 December 31, 2018 Common equity tier 1 capital to risk weighted assets Consolidated $ 207,597 9.29 % $ 142,444 6.375 % N/A N/A Old Second Bank 295,599 13.29 141,791 6.375 $ 144,571 6.50 % Total capital to risk weighted assets Consolidated 282,126 12.63 220,648 9.875 N/A N/A Old Second Bank 314,600 14.14 219,637 9.875 222,417 10.00 Tier 1 capital to risk weighted assets Consolidated 263,125 11.78 175,960 7.875 N/A N/A Old Second Bank 295,599 13.29 175,153 7.875 177,934 8.00 Tier 1 capital to average assets Consolidated 263,125 10.08 104,415 4.00 N/A N/A Old Second Bank 295,599 11.36 104,084 4.00 130,105 5.00 1 As of September 30, 2019, amounts are shown inclusive of a capital conservation buffer of 2.50%; as compared to 1.875% at December 31, 2018. Under the Federal Reserve’s Small Bank Holding Company Policy Statement, the Company is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the Federal Reserve (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to the Company, we calculate these ratios for our own planning and monitoring purposes. 2

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2019
Fair Value Measurements
Schedule of balance of assets and liabilities which are measured at fair value on a recurring basis	September 30, 2019 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 4,038 $ - $ - $ 4,038 U.S. government agencies - 9,143 - 9,143 U.S. government agencies mortgage-backed - 16,940 - 16,940 States and political subdivisions - 232,854 5,873 238,727 Collateralized mortgage obligations - 64,121 - 64,121 Asset-backed securities - 83,182 - 83,182 Collateralized loan obligations - 72,271 - 72,271 Loans held-for-sale - 5,592 - 5,592 Mortgage servicing rights - - 5,361 5,361 Interest rate swap agreements - 3,756 - 3,756 Mortgage banking derivatives - 453 - 453 Total $ 4,038 $ 488,312 $ 11,234 $ 503,584 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 8,532 $ - $ 8,532 Total $ - $ 8,532 $ - $ 8,532 December 31, 2018 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 3,923 $ - $ - $ 3,923 U.S. government agencies - 10,951 - 10,951 U.S. government agencies mortgage-backed - 14,075 - 14,075 States and political subdivisions - 265,902 8,165 274,067 Corporate bonds - - - - Collateralized mortgage obligations - 64,429 - 64,429 Asset-backed securities - 109,514 - 109,514 Collateralized loan obligations - 64,289 - 64,289 Loans held-for-sale - 2,984 - 2,984 Mortgage servicing rights - - 7,357 7,357 Interest rate swap agreements - 672 - 672 Mortgage banking derivatives - 159 - 159 Total $ 3,923 $ 532,975 $ 15,522 $ 552,420 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 756 $ - $ 756 Total $ - $ 756 $ - $ 756
Schedule of changes in Level 3 assets and liabilities measured at fair value on a recurring basis	Nine Months Ended September 30, 2019 Securities available-for-sale Collateralized States and Mortgage Mortgage Political Servicing Obligation Subdivisions Rights Beginning balance January 1, 2019 $ - $ 8,165 $ 7,357 Transfers into Level 3 - - - Transfers out of Level 3 - - - Total gains or losses Included in earnings - (25) (2,384) Included in other comprehensive income - 898 - Purchases, issuances, sales, and settlements Purchases - 17,643 - Issuances - - 906 Settlements - (20,808) (518) Ending balance September 30, 2019 $ - $ 5,873 $ 5,361 Nine Months Ended September 30, 2018 Securities available-for-sale Collateralized States and Mortgage Mortgage Political Servicing Obligation Subdivisions Rights Beginning balance January 1, 2018 $ 2,268 $ 14,261 $ 6,944 Transfers into Level 3 - - - Transfers out of Level 3 - - - Total gains or losses Included in earnings 32 - 636 Included in other comprehensive income 34 (805) - Purchases, issuances, sales, and settlements Purchases - 20,421 - Issuances - - 997 Settlements (770) (24,366) (446) Ending balance September 30, 2018 $ 1,564 $ 9,511 $ 8,131
Schedule of quantitative information about level 3 fair value measurements	The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of September 30, 2019: Weighted Measured at fair value Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs Mortgage servicing rights $ 5,361 Discounted Cash Flow Discount Rate 10.0% - 17.0% 10.1 % Prepayment Speed 7.0 - 69.0% 16.6 % The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of December 31, 2018: Weighted Measured at fair value Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs Mortgage servicing rights $ 7,357 Discounted Cash Flow Discount Rate 10.0 - 229.7% 10.2 % Prepayment Speed 7.0 - 68.9% 9.6 %
Schedule of assets measured at fair value on a nonrecurring basis	September 30, 2019 Level 1 Level 2 Level 3 Total Impaired loans 1 $ - $ - $ 5,502 $ 5,502 Other real estate owned, net 2 - - 4,682 4,682 Total $ - $ - $ 10,184 $ 10,184 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans; had a carrying amount of $5.8 million and a valuation allowance of $274,000 resulting in a decrease of specific allocations within the allowance for loan and lease losses of $78,000 for the nine months ended September 30, 2019. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $4.7 million, which is made up of the outstanding balance of $13.1 million, net of a valuation allowance of $8.1 million and a participation of $937,000 at September 30, 2019. December 31, 2018 Level 1 Level 2 Level 3 Total Impaired loans 1 $ - $ - $ 12,163 $ 12,163 Other real estate owned, net 2 - - 7,175 7,175 Total $ - $ - $ 19,338 $ 19,338 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans; had a carrying amount of $12.5 million and a valuation allowance of $352,000, resulting in an increase of specific allocations within the allowance for loan and lease losses of $208,000 for the year December 31, 2018. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $7.2 million, which is made up of the outstanding balance of $16.0 million, net of a valuation allowance of $8.0 million and a participation of $900,000, at December 31, 2018.

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2019
Fair Values of Financial Instruments
Schedule of carrying amount and estimated fair values of financial instruments	September 30, 2019 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 42,671 $ 42,671 $ 42,671 $ - $ - Interest bearing deposits with financial institutions 11,366 11,366 11,366 - - Securities available-for-sale 488,422 488,422 4,038 478,511 5,873 FHLBC and FRBC stock 10,711 10,711 - 10,711 - Loans held-for-sale 5,592 5,592 - 5,592 - Net loans 1,880,160 1,915,103 - - 1,915,103 Accrued interest receivable 9,854 9,854 - 9,854 - Financial liabilities: Noninterest bearing deposits $ 643,355 $ 643,355 $ 643,355 $ - $ - Interest bearing deposits 1,431,136 1,431,267 - 1,431,267 - Securities sold under repurchase agreements 48,870 48,870 - 48,870 - Other short-term borrowings 84,000 84,000 - 84,000 - Junior subordinated debentures 57,722 42,170 34,557 7,613 - Senior notes 44,244 46,269 46,269 - - Note payable and other borrowings 8,856 8,856 - 8,856 - Interest rate swap agreements 4,696 4,696 - 4,696 - Borrowing interest payable 744 744 - 744 - Deposit interest payable 950 950 - 950 - December 31, 2018 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 38,599 $ 38,599 $ 38,599 $ - $ - Interest bearing deposits with financial institutions 16,636 16,636 16,636 - - Securities available-for-sale 541,248 541,248 3,923 529,160 8,165 FHLBC and FRBC stock 13,433 13,433 - 13,433 - Loans held-for-sale 2,984 2,984 - 2,984 - Net loans 1,878,021 1,867,594 - - 1,867,594 Accrued interest receivable 10,940 10,940 - 10,940 - Financial liabilities: Noninterest bearing deposits $ 618,830 $ 618,830 $ 618,830 $ - $ - Interest bearing deposits 1,497,843 1,495,614 - 1,495,614 - Securities sold under repurchase agreements 46,632 46,632 - 46,632 - Other short-term borrowings 149,500 149,500 - 149,500 - Junior subordinated debentures 57,686 47,625 32,989 14,636 - Senior notes 44,158 45,008 45,008 - - Note payable and other borrowings 15,379 15,379 - 15,379 - Interest rate swap agreements 58 58 - 58 - Borrowing interest payable 281 281 - 281 - Deposit interest payable 973 973 - 973 -

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions (Tables)	9 Months Ended
	Sep. 30, 2019
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Schedule of fair value of derivative financial instruments as well as their classification on the Balance Sheet	September 30, 2019 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swaps 25,774 Other Assets - Other Liabilities 4,696 Total derivatives designated as hedging instruments - 4,696 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 174,531 Other Assets 3,756 Other Liabilities 3,756 Interest rate lock commitments and forward contracts 50,520 Other Assets 453 Other Liabilities - Other contracts 28,231 Other Assets - Other Liabilities 79 Total derivatives not designated as hedging instruments 4,209 3,835 December 31, 2018 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swaps 25,774 Other Assets - Other Liabilities 58 Total derivatives designated as hedging instruments - 58 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 188,931 Other Assets 672 Other Liabilities 672 Interest rate lock commitments and forward contracts 18,130 Other Assets 159 Other Liabilities - Other contracts 18,155 Other Assets - Other Liabilities 26 Total derivatives not designated as hedging instruments 831 698
Schedule of financial instrument commitments	September 30, 2019 December 31, 2018 Fixed Variable Total Fixed Variable Total Letters of credit: Borrower: Financial standby $ 339 $ 7,418 $ 7,757 $ 327 $ 7,158 $ 7,485 Commercial standby - 354 354 - 397 397 Performance standby 571 6,312 6,883 532 6,381 6,913 910 14,084 14,994 859 13,936 14,795 Non-borrower: Performance standby - 67 67 - 67 67 Total letters of credit $ 910 $ 14,151 $ 15,061 $ 859 $ 14,003 $ 14,862

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Accounting Pronouncements (Details) - Accounting Standards Update 2016-02 - USD ($)	Sep. 30, 2019	Jan. 01, 2019
Right of use assets, Operating	$ 3,300,000	$ 817,000
Lessee lease liabiity, Operating	3,300,000	817,000
Lease receivable, Lessor	97,000	174,000
Lease liability, Lessor	$ 97,000	$ 174,000

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Dividend (Details) - USD ($)	Nov. 04, 2019	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Oct. 15, 2019	Jan. 16, 2019
Goodwill and Core Deposit Intangible
Amortization of core deposit intangible		$ 157,000	$ 136,000	$ 410,000	$ 254,000
Subsequent Events
Exercise price of warrant			$ 13.43		$ 13.43		$ 14.23
Subsequent Event
Subsequent Events
Dividends Payable, Amount Per Share						$ 0.01
Payments of Dividends	$ 299,000

Acquisitions (Details)

Acquisitions (Details) $ in Thousands	Apr. 20, 2018USD ($)item	Sep. 30, 2019USD ($)	Dec. 31, 2018USD ($)
Business Acquisition [Line Items]
Net cash paid	$ 47,180
Acquisition expenses			$ 3,500
Total liabilities	289,769
Assets acquired:
Cash on due from banks	6,669
Interest bearing deposits with financial institutions	500
Securities available-for-sale, at fair value	72,091
Federal funds sold	4,300
FHLBC stock	1,549
Loans	227,594
Premises and equipment	5,339
Other real estate owned	401
Goodwill and core deposit intangible	13,280
Deferred tax assets, net	3,459
Other assets	1,767
Total assets	336,949
Liabilities assumed:
Deposits-noninterest bearing demand	58,005
Deposits - Savings, NOW and money market	91,494
Deposits-Time	98,999
Total deposits	248,498
Securities sold under repurchase agreements	5,623
Other short-term borrowings	10,875
Notes payable and other borrowings	23,367
Other liabilities	1,406
Total liabilities	289,769
Cash consideration paid	47,180
Total Liabilities Assumed and Cash Consideration Paid for Acquisition	$ 336,949
Salaries and Employee Benefits
Business Acquisition [Line Items]
Acquisition expenses			1,100
Data Processing, Computer and ATM
Business Acquisition [Line Items]
Acquisition expenses			$ 1,800
GCFC/ABC Bank
Business Acquisition [Line Items]
Number of bank branches operated | item	4
Acquisition price	$ 41,100
Subordinated debentures retired	6,600
Goodwill	10,200
Core deposit intangible	3,100
Valuation adjustment, fixed assets	1,500
Valuation adjustment, loan valuation mark	$ 11,200
Loans payable		$ 23,400

Acquisition of Loans (Details)

Acquisition of Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018	Apr. 20, 2018
Business Acquisition [Line Items]
Fair Value	$ 9,135	$ 10,887
PCI | GCFC/ABC Bank
Business Acquisition [Line Items]
Fair Value	9,403		$ 11,360
Contractually required principal and interest payments	15,083		19,447
Best estimate of contractual cash flows not expected to be collected	4,893		6,537
Best estimate of contractual cash flows expected to be collected	10,190		12,910
Non-PCI | GCFC/ABC Bank
Business Acquisition [Line Items]
Fair Value	134,536		216,234
Contractually required principal and interest payments	135,822		220,308
Best estimate of contractual cash flows not expected to be collected	614		2,511
Best estimate of contractual cash flows expected to be collected	$ 135,208		$ 217,797

Securities - Investment Portfol

Securities - Investment Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Securities
Pretax realized losses on sale of available-for-sale securities	$ 378	$ 10	$ 956	$ 10
FHLB and FRB Stock
FHLBC stock	4,500		4,500		$ 7,200
FRB stock	$ 6,200		$ 6,200

Securities - Amortized Cost and

Securities - Amortized Cost and Fair Value (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)	Sep. 30, 2019USD ($)item	Sep. 30, 2018USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Securities Available-for-Sale
Amortized Cost	$ 474,856	$ 474,856	$ 474,856	$ 474,856		$ 546,867
Gross Unrealized Gains	15,115		15,115			3,229
Gross Unrealized Losses	(1,549)		(1,549)			(8,848)
Fair Value	488,422	488,422	488,422	488,422		541,248
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Acquired During Period, at Acquisition, at Fair Value	9,135	10,887	9,135	10,887
Other disclosures
Purchases			136,096	71,488
Sales	$ 57,228	$ 1,917	$ 177,824	$ 94,663
Number of originators | item	2		2
Securities pledged to secure deposits and for other purposes	$ 328,800		$ 328,800			311,200
US Treasury Securities [Member]
Securities Available-for-Sale
Amortized Cost					$ 4,009	4,006
Gross Unrealized Gains					29
Gross Unrealized Losses						(83)
Fair Value					4,038	3,923
US Government Corporations and Agencies Securities [Member]
Securities Available-for-Sale
Amortized Cost					9,304	11,112
Gross Unrealized Losses					(161)	(161)
Fair Value					9,143	10,951
U.S. government agencies mortgage-backed
Securities Available-for-Sale
Amortized Cost						14,407
Gross Unrealized Gains						45
Gross Unrealized Losses						(377)
Fair Value						14,075
US States and Political Subdivisions Debt Securities [Member]
Securities Available-for-Sale
Amortized Cost	227,680		227,680			277,112
Gross Unrealized Gains	11,962		11,962			1,916
Gross Unrealized Losses	(915)		(915)			(4,961)
Fair Value	238,727		238,727			274,067
Collateralized Mortgage Obligations [Member]
Securities Available-for-Sale
Amortized Cost	62,965		62,965			66,494
Gross Unrealized Gains	1,216		1,216			79
Gross Unrealized Losses	(60)		(60)			(2,144)
Fair Value	64,121		64,121			64,429
Asset-backed Securities [Member]
Securities Available-for-Sale
Amortized Cost	82,106		82,106			108,574
Gross Unrealized Gains	1,243		1,243			1,165
Gross Unrealized Losses	(167)		(167)			(225)
Fair Value	83,182		83,182			109,514
FFEL
Other disclosures
Asset-backed securities	55,700		$ 55,700
Percentage of outstanding principal amount of loans guaranteed by US Department of Education			97
Total added credit enhancement in the form of overcollaterization and/or subordination of outstanding principal	4,700		$ 4,700
Percentage of total added credit enhancement in the form of overcollaterization and/or subordination of outstanding principal			8.30
FFEL | Reimbursement requests greater than 5 %
Other disclosures
Percentage of outstanding principal amount of loans guaranteed by US Department of Education			85
Percent of insured loan			5
FFEL | Reimbursement requests greater than 9 %
Other disclosures
Percentage of outstanding principal amount of loans guaranteed by US Department of Education			75
Percent of insured loan			9
Collateralized loan obligations
Securities Available-for-Sale
Amortized Cost	72,454		$ 72,454			65,162
Gross Unrealized Gains	46		46			24
Gross Unrealized Losses	(229)		(229)			(897)
Fair Value	72,271		72,271			$ 64,289
Mortgage Backed Securities, Issued by US Government Agencies [Member]
Securities Available-for-Sale
Amortized Cost					16,338
Gross Unrealized Gains					619
Gross Unrealized Losses					(17)
Fair Value					$ 16,940
GCO Education Loan Funding Corp [Member]
Securities Available-for-Sale
Amortized Cost	27,840		27,840
Fair Value	27,744		27,744
Towd Point Mortgage Trust
Securities Available-for-Sale
Amortized Cost	33,744		33,744
Fair Value	$ 34,378		$ 34,378
Towd Point Mortgage Trust | Stockholders' Equity, Total [Member]
Other disclosures
Credit risk as a percentage of benchmark			10.00%
Stockholders' Equity, Total [Member] | GCO Education Loan Funding Corp [Member]
Other disclosures
Credit risk as a percentage of benchmark			10.00%

Securities - Contractural Matur

Securities - Contractural Maturities (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2019	Dec. 31, 2018
Securities Available-for-Sale, Amortized Cost
Due in one year or less	$ 736
Due after one year through five years	4,655
Due after five years through ten years	4,645
Due after ten years	230,957
Debt securities excluding securities not due at a single maturity date	240,993
Total	$ 474,856	$ 474,856	$ 546,867
Securities Available-for-Sale, Weighted Average Yield
Due in one year or less (as a percent)	1.92%
Due after one year through five years (as a percent)	1.88%
Due after five years through ten years (as a percent)	3.29%
Due after ten years (as a percent)	3.04%
Debt securities (as a percent)	3.02%
Total (as a percent)	3.31%
Securities Available-for-Sale, Fair Value
Due in one year or less	$ 736
Due after one year through five years	4,687
Due after five years through ten years	4,944
Due after ten years	241,541
Debt securities	251,908
Fair Value	488,422	488,422	541,248
Collateralized Mortgage Obligations [Member]
Securities Available-for-Sale, Amortized Cost
Total		62,965	66,494
Securities Available-for-Sale, Fair Value
Fair Value		64,121	64,429
Asset-backed Securities [Member]
Securities Available-for-Sale, Amortized Cost
Securities not due at a single maturity date	$ 82,106
Total		82,106	108,574
Securities Available-for-Sale, Weighted Average Yield
Securities not due at a single maturity date, Weighted Average Yield (as a percent)	3.27%
Securities Available-for-Sale, Fair Value
Securities not due at a single maturity date	$ 83,182
Fair Value		83,182	109,514
Collateralized loan obligations
Securities Available-for-Sale, Amortized Cost
Securities not due at a single maturity date	$ 72,454
Total		72,454	65,162
Securities Available-for-Sale, Weighted Average Yield
Securities not due at a single maturity date, Weighted Average Yield (as a percent)	4.53%
Securities Available-for-Sale, Fair Value
Securities not due at a single maturity date	$ 72,271
Fair Value		$ 72,271	$ 64,289
Mortgage-backed and collateralized mortgage obligations
Securities Available-for-Sale, Amortized Cost
Securities not due at a single maturity date	$ 79,303
Securities Available-for-Sale, Weighted Average Yield
Securities not due at a single maturity date, Weighted Average Yield (as a percent)	3.15%
Securities Available-for-Sale, Fair Value
Securities not due at a single maturity date	$ 81,061

Securities - Unrealized Loss Po

Securities - Unrealized Loss Positions (Details)	Sep. 30, 2019USD ($)security	Dec. 31, 2018USD ($)security
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position | security	15	16
Greater than 12 months in an unrealized loss position | security	16	61
Total	31	77
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 534,000	$ 1,256,000
Greater than 12 months in an unrealized loss position	1,015,000	7,592,000
Total	1,549,000	8,848,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	84,211,000	86,856,000
Greater than 12 months in an unrealized loss position	47,323,000	197,238,000
Total	$ 131,534,000	$ 284,094,000
US Treasury Securities [Member]
Securities Available-for-Sale, Number of Securities
Greater than 12 months in an unrealized loss position | security		1
Total		1
Securities Available-for-Sale, Unrealized Losses
Greater than 12 months in an unrealized loss position		$ 83,000
Total		83,000
Securities Available-for-Sale, Fair Value
Greater than 12 months in an unrealized loss position		3,923,000
Total		$ 3,923,000
US Government Corporations and Agencies Securities [Member]
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position | security		3
Greater than 12 months in an unrealized loss position | security	4	1
Total	4	4
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position		$ 100,000
Greater than 12 months in an unrealized loss position	$ 161,000	61,000
Total	161,000	161,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position		7,385,000
Greater than 12 months in an unrealized loss position	9,143,000	3,566,000
Total	$ 9,143,000	$ 10,951,000
Mortgage Backed Securities, Issued by US Government Agencies [Member]
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position | security	3
Greater than 12 months in an unrealized loss position | security	2	11
Total	5	11
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 7,000
Greater than 12 months in an unrealized loss position	10,000	$ 377,000
Total	17,000	377,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	3,044,000
Greater than 12 months in an unrealized loss position	848,000	11,439,000
Total	$ 3,892,000	$ 11,439,000
US States and Political Subdivisions Debt Securities [Member]
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position | security	3	4
Greater than 12 months in an unrealized loss position | security	2	33
Total	5	37
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 326,000	$ 126,000
Greater than 12 months in an unrealized loss position	589,000	4,835,000
Total	915,000	4,961,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	15,526,000	17,713,000
Greater than 12 months in an unrealized loss position	6,757,000	110,326,000
Total	$ 22,283,000	$ 128,039,000
Collateralized Mortgage Obligations [Member]
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position | security	2	2
Greater than 12 months in an unrealized loss position | security	3	10
Total	5	12
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 44,000	$ 309,000
Greater than 12 months in an unrealized loss position	16,000	1,835,000
Total	60,000	2,144,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	9,320,000	15,211,000
Greater than 12 months in an unrealized loss position	2,332,000	43,687,000
Total	$ 11,652,000	$ 58,898,000
Asset-backed Securities [Member]
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position | security	2
Greater than 12 months in an unrealized loss position | security	1	4
Total	3	4
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 101,000
Greater than 12 months in an unrealized loss position	66,000	$ 225,000
Total	167,000	225,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	29,389,000
Greater than 12 months in an unrealized loss position	3,213,000	16,473,000
Total	$ 32,602,000	$ 16,473,000
Collateralized loan obligations
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position | security	5	7
Greater than 12 months in an unrealized loss position | security	4	1
Total	9	8
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 56,000	$ 721,000
Greater than 12 months in an unrealized loss position	173,000	176,000
Total	229,000	897,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	26,932,000	46,547,000
Greater than 12 months in an unrealized loss position	25,030,000	7,824,000
Total	$ 51,962,000	$ 54,371,000

Securities - Realized Gain (Los

Securities - Realized Gain (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Securities
Sales	$ 57,228	$ 1,917	$ 177,824	$ 94,663
Gross realized gains on securities	3,841	23	5,432	370
Gross realized losses on securities	(378)	(10)	(956)	(10)
Securities (losses) gains, net	3,463	13	4,476	360
Related tax (expense) benefit	$ (973)	$ (3)	$ (1,257)	$ (100)
Effective tax rate applied (as a percent)	28.10%	23.10%	28.10%	27.80%
Available-for-sale Securities Pledged as Collateral	$ 328,800		$ 328,800		$ 311,200

Loans - Major Classifications (

Loans - Major Classifications (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Loans
Total loans, gross	$ 1,888,622	$ 1,884,409
Net deferred loan fees	2,054	1,653
PCI loans, net of purchase accounting adjustments	1,899,811	1,897,027	$ 1,834,949
Total Loans	1,899,811
Other Financing Receivable [Member]
Loans
Total loans, gross	14,140	14,439
PCI
Loans
PCI loans, net of purchase accounting adjustments	9,135	10,965
Non-PCI
Loans
PCI loans, net of purchase accounting adjustments	1,890,676	1,886,062
Commercial Portfolio Segment [Member]
Loans
Total loans, gross	333,664	314,323
PCI loans, net of purchase accounting adjustments	333,664	314,323
Commercial Real Estate Portfolio Segment [Member]
Loans
Total loans, gross	826,780	820,941
PCI loans, net of purchase accounting adjustments			808,310
Total Loans	830,713
Commercial Real Estate Portfolio Segment [Member] | Construction Loans
Loans
Total loans, gross	91,066	108,390
PCI loans, net of purchase accounting adjustments			113,651
Total Loans	91,703
Residential Portfolio Segment [Member]
Loans
Total loans, gross	388,511	407,068
PCI loans, net of purchase accounting adjustments			399,581
Total Loans	393,076
Residential Portfolio Segment [Member] | Home Equity Line of Credit
Loans
PCI loans, net of purchase accounting adjustments	126,309	140,442
Consumer Portfolio Segment [Member]
Loans
PCI loans, net of purchase accounting adjustments			122,022
Total Loans	126,309
Consumer Portfolio Segment [Member] | Home Equity Line of Credit
Loans
Total loans, gross	126,309	140,442
Finance Leases Financing Receivable [Member]
Loans
Total loans, gross	108,152	78,806
PCI loans, net of purchase accounting adjustments	$ 108,152	$ 78,806	$ 70,661

Loans - Major Classifications -

Loans - Major Classifications - Loan Concentrations (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2018	Sep. 30, 2019	Apr. 20, 2018
Loans
Loans			$ 227,594
Real Estate Portfolio Segment [Member] | Loan receivables | Customer Concentration Risk [Member]
Loans
Credit risk as a percentage of benchmark	77.90%
Loans receivable as a percentage of total portfolio		75.40%

Loans - Aging Analysis (Details

Loans - Aging Analysis (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Aged analysis of past due loans
Total Past Due	$ 7,955	$ 13,358
Current	1,878,208	1,867,663
Nonaccrual	13,648	16,006
Total Loans	1,899,811	1,897,027	$ 1,834,949
Total Loans	1,899,811
Recorded Investment 90 days or Greater Past Due and Accruing	19	935
30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	5,732	10,617
60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due	2,205	1,824
90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due	18	917
PCI
Aged analysis of past due loans
Total Past Due	865	1,452
Current	6,474	7,248
Nonaccrual	1,796	2,265
Total Loans	9,135	10,965
PCI | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	865	1,452
Non-PCI
Aged analysis of past due loans
Total Past Due	7,090	11,906
Current	1,871,734	1,860,415
Nonaccrual	11,852	13,741
Total Loans	1,890,676	1,886,062
Recorded Investment 90 days or Greater Past Due and Accruing	19	935
Non-PCI | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	4,867	9,165
Non-PCI | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due	2,205	1,824
Non-PCI | 90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due	18	917
Multifamily
Aged analysis of past due loans
Total Past Due	1	724
Current	183,475	195,504
Total Loans	183,476	196,228
Recorded Investment 90 days or Greater Past Due and Accruing		180
Multifamily | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	1	545
Multifamily | 90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due		179
Commercial Portfolio Segment [Member]
Aged analysis of past due loans
Total Past Due		410
Current	333,516	313,913
Nonaccrual	148
Total Loans	333,664	314,323
Recorded Investment 90 days or Greater Past Due and Accruing		361
Commercial Portfolio Segment [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due		58
Commercial Portfolio Segment [Member] | 90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due		352
Finance Leases Financing Receivable [Member]
Aged analysis of past due loans
Current	108,078	78,806
Nonaccrual	74
Total Loans	108,152	78,806	70,661
Commercial Real Estate Portfolio Segment [Member]
Aged analysis of past due loans
Total Loans			808,310
Total Loans	830,713
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Aged analysis of past due loans
Total Past Due	2,613	1,801
Current	140,928	160,892
Nonaccrual	1,183	1,579
Total Loans	144,724	164,272
Recorded Investment 90 days or Greater Past Due and Accruing		36
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	1,397	1,768
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member] | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due	1,216
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member] | 90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due		33
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Aged analysis of past due loans
Total Past Due	1,509	961
Current	173,835	192,426
Nonaccrual	1,591	395
Total Loans	176,935	193,782
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	1,416	826
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member] | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due	93	135
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Aged analysis of past due loans
Total Past Due	623	3,035
Current	328,870	286,115
Nonaccrual	564	4,236
Total Loans	330,057	293,386
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	623	2,832
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member] | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due		203
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied Special Purpose Loan [Member]
Aged analysis of past due loans
Current	106,043	106,036
Nonaccrual	2,960	3,099
Total Loans	109,003	109,135
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member]
Aged analysis of past due loans
Total Past Due	597	620
Current	51,015	45,968
Nonaccrual	1,122
Total Loans	52,734	46,588
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	597
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member] | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due		620
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Farm Loan [Member]
Aged analysis of past due loans
Current	13,327	13,778
Total Loans	13,327	13,778
Commercial Real Estate Portfolio Segment [Member] | Construction Loans
Aged analysis of past due loans
Total Loans			113,651
Total Loans	91,703
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Homebuilder Loan [Member]
Aged analysis of past due loans
Total Past Due	93
Current	5,142	5,102
Total Loans	5,235	5,102
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Homebuilder Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	93
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Land Loan [Member]
Aged analysis of past due loans
Total Past Due		266
Current	12,258	2,478
Total Loans	12,258	2,744
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Land Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due		266
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Commercial Speculative Loan [Member]
Aged analysis of past due loans
Total Past Due		350
Current	51,991	55,060
Total Loans	51,991	55,410
Recorded Investment 90 days or Greater Past Due and Accruing		355
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Commercial Speculative Loan [Member] | 90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due		350
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Other Receivable [Member]
Aged analysis of past due loans
Current	21,488	45,028
Nonaccrual	94	106
Total Loans	21,582	45,134
Residential Portfolio Segment [Member]
Aged analysis of past due loans
Total Loans			399,581
Total Loans	393,076
Residential Portfolio Segment [Member] | Residential Investor Loan [Member]
Aged analysis of past due loans
Total Past Due	496	957
Current	68,114	69,148
Nonaccrual	379	353
Total Loans	68,989	70,458
Residential Portfolio Segment [Member] | Residential Investor Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due		801
Residential Portfolio Segment [Member] | Residential Investor Loan [Member] | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due	496	156
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Aged analysis of past due loans
Total Past Due	413	1,946
Current	132,933	135,360
Nonaccrual	2,700	3,076
Total Loans	136,046	140,382
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	106	1,241
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member] | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due	307	705
Residential Portfolio Segment [Member] | Home Equity Line of Credit
Aged analysis of past due loans
Total Past Due	738	775
Current	124,556	138,801
Nonaccrual	1,015	866
Total Loans	126,309	140,442
Recorded Investment 90 days or Greater Past Due and Accruing	19
Residential Portfolio Segment [Member] | Home Equity Line of Credit | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	627	775
Residential Portfolio Segment [Member] | Home Equity Line of Credit | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due	93
Residential Portfolio Segment [Member] | Home Equity Line of Credit | 90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due	18
Consumer Portfolio Segment [Member]
Aged analysis of past due loans
Total Loans			122,022
Total Loans	126,309
Unallocated Financing Receivables [Member]
Aged analysis of past due loans
Total Past Due	7	61
Current	16,165	16,000
Nonaccrual	22	31
Total Loans	16,194	16,092	$ 14,317
Total Loans	16,194
Recorded Investment 90 days or Greater Past Due and Accruing		3
Unallocated Financing Receivables [Member] | 30 to 59 Days Past Due
Aged analysis of past due loans
Total Past Due	$ 7	53
Unallocated Financing Receivables [Member] | 60 to 89 Days Past Due
Aged analysis of past due loans
Total Past Due		5
Unallocated Financing Receivables [Member] | 90 Days or Greater Past Due
Aged analysis of past due loans
Total Past Due		$ 3

Loans - Inclusion (Details)

Loans - Inclusion (Details)	9 Months Ended
	Sep. 30, 2019USD ($)
Minimum [Member]
Loans by risk rating
Loan commitment for inclusion in credit quality analysis	$ 50,000

Loans - Credit Quality (Details

Loans - Credit Quality (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Loans by risk rating
Total Loans	$ 1,899,811	$ 1,897,027	$ 1,834,949
PCI loans, net of purchase accounting adjustments	9,135		10,887
Total Loans	1,899,811
Multifamily
Loans by risk rating
Total Loans	183,476	196,228
Commercial Portfolio Segment [Member]
Loans by risk rating
Total Loans	333,664	314,323
Finance Leases Financing Receivable [Member]
Loans by risk rating
Total Loans	108,152	78,806	70,661
Commercial Real Estate Portfolio Segment [Member]
Loans by risk rating
Total Loans			808,310
PCI loans, net of purchase accounting adjustments	3,933		4,126
Total Loans	830,713
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	144,724	164,272
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans	176,935	193,782
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	330,057	293,386
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans	109,003	109,135
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member]
Loans by risk rating
Total Loans	52,734	46,588
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Farm Loan [Member]
Loans by risk rating
Total Loans	13,327	13,778
Residential Portfolio Segment [Member]
Loans by risk rating
Total Loans			399,581
PCI loans, net of purchase accounting adjustments	4,565		5,983
Total Loans	393,076
Residential Portfolio Segment [Member] | Residential Investor Loan [Member]
Loans by risk rating
Total Loans	68,989	70,458
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Loans by risk rating
Total Loans	136,046	140,382
Consumer Portfolio Segment [Member]
Loans by risk rating
Total Loans			122,022
Total Loans	126,309
Unallocated Financing Receivables [Member]
Loans by risk rating
Total Loans	16,194	16,092	14,317
Total Loans	16,194
Pass [Member]
Loans by risk rating
Total Loans	1,844,569	1,835,457
Pass [Member] | Multifamily
Loans by risk rating
Total Loans	183,046	195,249
Pass [Member] | Commercial Portfolio Segment [Member]
Loans by risk rating
Total Loans	316,680	305,993
Pass [Member] | Finance Leases Financing Receivable [Member]
Loans by risk rating
Total Loans	108,078	78,806
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	140,867	157,334
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans	170,525	186,218
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	325,621	284,818
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans	106,043	104,526
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member]
Loans by risk rating
Total Loans	51,015	44,805
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Farm Loan [Member]
Loans by risk rating
Total Loans	10,899	11,307
Pass [Member] | Residential Portfolio Segment [Member] | Residential Investor Loan [Member]
Loans by risk rating
Total Loans	68,005	69,242
Pass [Member] | Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Loans by risk rating
Total Loans	132,146	135,858
Pass [Member] | Unallocated Financing Receivables [Member]
Loans by risk rating
Total Loans	15,832	16,061
Special Mention [Member]
Loans by risk rating
Total Loans	17,593	19,149
Special Mention [Member] | Commercial Portfolio Segment [Member]
Loans by risk rating
Total Loans	8,905	8,193
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	851	1,660
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans	4,819	3,429
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	590	202
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans		1,510
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member]
Loans by risk rating
Total Loans	597
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Farm Loan [Member]
Loans by risk rating
Total Loans	1,218	1,249
Special Mention [Member] | Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Loans by risk rating
Total Loans	134
Special Mention [Member] | Unallocated Financing Receivables [Member]
Loans by risk rating
Total Loans	340
Substandard [Member]
Loans by risk rating
Total Loans	37,649	42,421
Substandard [Member] | Multifamily
Loans by risk rating
Total Loans	430	979
Substandard [Member] | Commercial Portfolio Segment [Member]
Loans by risk rating
Total Loans	8,079	137
Substandard [Member] | Finance Leases Financing Receivable [Member]
Loans by risk rating
Total Loans	74
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	3,006	5,278
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans	1,591	4,135
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Loans by risk rating
Total Loans	3,846	8,366
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied Special Purpose Loan [Member]
Loans by risk rating
Total Loans	2,960	3,099
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member]
Loans by risk rating
Total Loans	1,122	1,783
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Farm Loan [Member]
Loans by risk rating
Total Loans	1,210	1,222
Substandard [Member] | Residential Portfolio Segment [Member] | Residential Investor Loan [Member]
Loans by risk rating
Total Loans	984	1,216
Substandard [Member] | Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Loans by risk rating
Total Loans	3,766	4,524
Substandard [Member] | Unallocated Financing Receivables [Member]
Loans by risk rating
Total Loans	22	31
PCI
Loans by risk rating
Total Loans	9,135	10,965
PCI | Pass [Member]
Loans by risk rating
Total Loans	825	907
PCI | Special Mention [Member]
Loans by risk rating
Total Loans		2,906
PCI | Substandard [Member]
Loans by risk rating
Total Loans	8,310	7,152
Non-PCI
Loans by risk rating
Total Loans	1,890,676	1,886,062
Non-PCI | Pass [Member]
Loans by risk rating
Total Loans	1,843,744	1,834,550
Non-PCI | Special Mention [Member]
Loans by risk rating
Total Loans	17,593	16,243
Non-PCI | Substandard [Member]
Loans by risk rating
Total Loans	29,339	35,269
Construction Loans | Commercial Real Estate Portfolio Segment [Member]
Loans by risk rating
Total Loans			113,651
PCI loans, net of purchase accounting adjustments	637		$ 778
Total Loans	91,703
Construction Loans | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Homebuilder Loan [Member]
Loans by risk rating
Total Loans	5,235	5,102
Construction Loans | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Land Loan [Member]
Loans by risk rating
Total Loans	12,258	2,744
Construction Loans | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Commercial Speculative Loan [Member]
Loans by risk rating
Total Loans	51,991	55,410
Construction Loans | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Other Receivable [Member]
Loans by risk rating
Total Loans	21,582	45,134
Construction Loans | Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Homebuilder Loan [Member]
Loans by risk rating
Total Loans	5,235	5,102
Construction Loans | Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Land Loan [Member]
Loans by risk rating
Total Loans	12,258	2,744
Construction Loans | Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Commercial Speculative Loan [Member]
Loans by risk rating
Total Loans	51,991	55,410
Construction Loans | Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Other Receivable [Member]
Loans by risk rating
Total Loans	21,318	42,524
Construction Loans | Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Other Receivable [Member]
Loans by risk rating
Total Loans	264	2,610
Home Equity Line of Credit | Residential Portfolio Segment [Member]
Loans by risk rating
Total Loans	126,309	140,442
Home Equity Line of Credit | Pass [Member] | Residential Portfolio Segment [Member]
Loans by risk rating
Total Loans	124,185	138,553
Home Equity Line of Credit | Special Mention [Member] | Residential Portfolio Segment [Member]
Loans by risk rating
Total Loans	139
Home Equity Line of Credit | Substandard [Member] | Residential Portfolio Segment [Member]
Loans by risk rating
Total Loans	$ 1,985	$ 1,889

Loans - Repossessed Assets (Det

Loans - Repossessed Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Repossessed and foreclosed assets
Other real estate owned	$ 4,682	$ 7,175
Residential Portfolio Segment [Member]
Repossessed and foreclosed assets
Mortgage loans in process of foreclosure	$ 425,000,000	$ 448,000,000

Loans - Impaired Loans - Record

Loans - Impaired Loans - Recorded Investment, Unpaid Principal Balance and Related Allowance (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Recorded Investment
With no related allowance recorded	$ 12,133	$ 7,844
With an allowance recorded	5,776	12,515
Total impaired loans	17,909	20,359
Unpaid Principal Balance
With no related allowance recorded	15,117	9,895
With an allowance recorded	5,780	13,936
Total impaired loans	20,897	23,831
Related Allowance
With an allowance recorded	274	352
Commercial Portfolio Segment [Member]
Recorded Investment
With an allowance recorded	148
Unpaid Principal Balance
With an allowance recorded	150
Related Allowance
With an allowance recorded	110
Finance Leases Financing Receivable [Member]
Recorded Investment
With no related allowance recorded	74
Unpaid Principal Balance
With no related allowance recorded	75
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Recorded Investment
With no related allowance recorded	1,254	1,659
With an allowance recorded	125	396
Unpaid Principal Balance
With no related allowance recorded	1,328	1,782
With an allowance recorded	125	396
Related Allowance
With an allowance recorded	36	3
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Recorded Investment
With no related allowance recorded	1,591	395
Unpaid Principal Balance
With no related allowance recorded	1,748	530
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Recorded Investment
With no related allowance recorded	564	1,138
With an allowance recorded	55	3,098
Unpaid Principal Balance
With no related allowance recorded	595	1,159
With an allowance recorded	55	4,038
Related Allowance
With an allowance recorded	1	97
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied Special Purpose Loan [Member]
Recorded Investment
With no related allowance recorded	2,960
With an allowance recorded		3,099
Unpaid Principal Balance
With no related allowance recorded	3,575
With an allowance recorded		3,575
Related Allowance
With an allowance recorded		139
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member]
Recorded Investment
With no related allowance recorded	1,122
Unpaid Principal Balance
With no related allowance recorded	1,159
Residential Portfolio Segment [Member] | Residential Investor Loan [Member]
Recorded Investment
With no related allowance recorded	379	353
With an allowance recorded	791	808
Unpaid Principal Balance
With no related allowance recorded	500	459
With an allowance recorded	791	808
Related Allowance
With an allowance recorded	10	4
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Recorded Investment
With no related allowance recorded	3,059	3,359
With an allowance recorded	3,280	3,676
Unpaid Principal Balance
With no related allowance recorded	4,595	4,882
With an allowance recorded	3,280	3,679
Related Allowance
With an allowance recorded	55	46
Residential Portfolio Segment [Member] | Residential Revolving and Junior Liens Loan [Member]
Recorded Investment
With no related allowance recorded	1,032	884
With an allowance recorded	1,359	1,357
Unpaid Principal Balance
With no related allowance recorded	1,407	1,003
With an allowance recorded	1,359	1,357
Related Allowance
With an allowance recorded	55	49
Consumer Portfolio Segment [Member]
Recorded Investment
With no related allowance recorded	4	7
With an allowance recorded	18	24
Unpaid Principal Balance
With no related allowance recorded	4	7
With an allowance recorded	20	25
Related Allowance
With an allowance recorded	7	13
Construction Loans | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Other Receivable [Member]
Recorded Investment
With no related allowance recorded	94	49
With an allowance recorded		57
Unpaid Principal Balance
With no related allowance recorded	$ 131	73
With an allowance recorded		58
Related Allowance
With an allowance recorded		$ 1

Loans - Impaired Loans - Averag

Loans - Impaired Loans - Average Recorded Investment and Interest Income Recognized (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Average Recorded Investment
With no related allowance recorded	$ 11,488	$ 7,012	$ 9,989	$ 10,340
With an allowance recorded	6,161	9,263	9,145	7,450
Total impaired loans	17,649	16,275	19,134	17,790
Interest Income Recognized
With no related allowance recorded	13	13	38	35
With an allowance recorded	75	85	226	204
Total impaired loans	88	98	264	239
Commercial Portfolio Segment [Member]
Average Recorded Investment
With an allowance recorded	149		74
Finance Leases Financing Receivable [Member]
Average Recorded Investment
With no related allowance recorded	43		37
With an allowance recorded	57
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Average Recorded Investment
With no related allowance recorded	1,108	1,263	1,457	1,035
With an allowance recorded	395	259	260	259
Interest Income Recognized
With no related allowance recorded	2	2	5	5
With an allowance recorded	3	22	11	22
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Average Recorded Investment
With no related allowance recorded	1,045	417	993	375
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Average Recorded Investment
With no related allowance recorded	566	91	851	653
With an allowance recorded	55		1,577
Interest Income Recognized
With an allowance recorded	2		4
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied Special Purpose Loan [Member]
Average Recorded Investment
With no related allowance recorded	2,960		1,480
With an allowance recorded		3,099	1,549
Interest Income Recognized
With an allowance recorded				1,550
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Retail Properties Loan [Member]
Average Recorded Investment
With no related allowance recorded	1,130		561
Residential Portfolio Segment [Member] | Residential Investor Loan [Member]
Average Recorded Investment
With no related allowance recorded	381	368	366	369
With an allowance recorded	795	812	799	820
Interest Income Recognized
With an allowance recorded	13	11	35	33
Residential Portfolio Segment [Member] | Multifamily
Average Recorded Investment
With no related allowance recorded				2,361
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Average Recorded Investment
With no related allowance recorded	3,078	4,050	3,209	4,532
With an allowance recorded	3,321	3,678	3,478	3,576
Interest Income Recognized
With no related allowance recorded	11	11	32	29
With an allowance recorded	37	35	117	108
Residential Portfolio Segment [Member] | Residential Revolving and Junior Liens Loan [Member]
Average Recorded Investment
With no related allowance recorded	1,075	687	958	880
With an allowance recorded	1,370	1,371	1,358	1,203
Interest Income Recognized
With no related allowance recorded			1	1
With an allowance recorded	20	17	59	41
Consumer Portfolio Segment [Member]
Average Recorded Investment
With no related allowance recorded	4	15	6	10
With an allowance recorded	19	14	21	13
Construction Loans | Commercial Real Estate Portfolio Segment [Member] | Construction Real Estate, Other Receivable [Member]
Average Recorded Investment
With no related allowance recorded	$ 98	121	71	125
With an allowance recorded		$ 30	$ 29	$ 29

Loans - TDR (Details)

Loans - TDR (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2019USD ($)contract	Sep. 30, 2018USD ($)	Sep. 30, 2019USD ($)contract	Sep. 30, 2018USD ($)contract	Dec. 31, 2018USD ($)
Troubled debt restructurings - modified during the period
# of contracts		6		17
Pre-modification recorded investment	$ 1,159,000	$ 791,000	$ 1,694,000	$ 1,600,000
Post-modification recorded investment	1,122,000	$ 782,000	1,546,000	1,473,000
TDR's defaulted
Pre-modification outstanding recorded investment during the period			0	$ 0
Other information
Total Past Due	7,955,000		7,955,000		$ 13,358,000
Others [Member]
Troubled debt restructurings - modified during the period
# of contracts		1		1
Pre-modification recorded investment		$ 34,000		$ 34,000
Post-modification recorded investment		$ 29,000		$ 29,000
Home Affordable Modification Program [Member]
Troubled debt restructurings - modified during the period
# of contracts		1		1
Pre-modification recorded investment		$ 26,000		$ 26,000
Post-modification recorded investment		$ 26,000		$ 26,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member]
Other information
Total Past Due	1,509,000		1,509,000		961,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied Special Purpose Loan [Member] | Others [Member]
Troubled debt restructurings - modified during the period
# of contracts | contract				1
Pre-modification recorded investment				$ 110,000
Post-modification recorded investment				$ 52,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Other information
Total Past Due	2,613,000		$ 2,613,000		1,801,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member] | Others [Member]
Troubled debt restructurings - modified during the period
# of contracts		1	1	1
Pre-modification recorded investment		$ 427,000	$ 58,000	$ 427,000
Post-modification recorded investment		$ 424,000	55,000	$ 424,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member]
Other information
Total Past Due	$ 623,000		$ 623,000		3,035,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Non Owner Occupied General Purpose Loan [Member] | Others [Member]
Troubled debt restructurings - modified during the period
# of contracts | contract	1		1
Pre-modification recorded investment	$ 1,159,000		$ 1,159,000
Post-modification recorded investment	1,122,000		1,122,000
Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Commercial Speculative Loan [Member]
Other information
Total Past Due					350,000
Residential Portfolio Segment [Member] | Residential Investor Loan [Member]
Other information
Total Past Due	496,000		496,000		957,000
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member]
Other information
Total Past Due	413,000		$ 413,000		1,946,000
Residential Portfolio Segment [Member] | Residential Owner Occupied Loan [Member] | Home Affordable Modification Program [Member]
Troubled debt restructurings - modified during the period
# of contracts		1	3	3
Pre-modification recorded investment		$ 211,000	$ 399,000	$ 383,000
Post-modification recorded investment		$ 211,000	297,000	$ 331,000
Residential Portfolio Segment [Member] | Home Equity Line of Credit
Other information
Total Past Due	738,000		$ 738,000		775,000
Residential Portfolio Segment [Member] | Home Equity Line of Credit | Others [Member]
Troubled debt restructurings - modified during the period
# of contracts | contract			1
Pre-modification recorded investment			$ 39,000
Post-modification recorded investment			$ 38,000
Residential Portfolio Segment [Member] | Home Equity Line of Credit | Home Affordable Modification Program [Member]
Troubled debt restructurings - modified during the period
# of contracts | contract			1
Pre-modification recorded investment			$ 39,000
Post-modification recorded investment			34,000
Residential Portfolio Segment [Member] | Home Equity Line of Credit | Residential Owner Occupied Loan [Member] | Others [Member]
Troubled debt restructurings - modified during the period
# of contracts		2		9
Pre-modification recorded investment		$ 93,000		$ 596,000
Post-modification recorded investment		$ 92,000		$ 587,000
Residential Portfolio Segment [Member] | Home Equity Line of Credit | Residential Owner Occupied Loan [Member] | Interest Rate Concession Below Normal Market [Member]
Troubled debt restructurings - modified during the period
# of contracts | contract				1
Pre-modification recorded investment				$ 24,000
Post-modification recorded investment				$ 24,000
Commercial Portfolio Segment [Member]
Other information
Total Past Due					410,000
90 Days or Greater Past Due
Other information
Total Past Due	18,000		18,000		917,000
90 Days or Greater Past Due | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied General Purpose Loan [Member]
Other information
Total Past Due					33,000
90 Days or Greater Past Due | Commercial Real Estate Portfolio Segment [Member] | Construction Loans | Construction Real Estate, Commercial Speculative Loan [Member]
Other information
Total Past Due					350,000
90 Days or Greater Past Due | Residential Portfolio Segment [Member] | Home Equity Line of Credit
Other information
Total Past Due	$ 18,000		$ 18,000
90 Days or Greater Past Due | Commercial Portfolio Segment [Member]
Other information
Total Past Due					$ 352,000

Loans - Accretable Discount on

Loans - Accretable Discount on Purchased Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Accretable discount		$ 10,771		$ 835
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Beginning balance		10,771		835
Beginning balance	$ 7,647		$ 8,935
Purchases				11,269
Accretion	(1,041)	(775)	(1,814)	(1,973)
Charge-offs			(515)
Transfers		(399)		(534)
Ending balance		9,597		9,597
Ending balance	6,606		6,606
PCI
Accretable discount	931	1,373	1,099	1,218
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Beginning balance	931	1,373	1,099
Beginning balance	5,500	6,403	5,969
Purchases				1,551
Purchases				6,536
Accretion	(218)	(129)	(340)	(305)
Accretion	(606)	(334)	(606)	(334)
Charge-offs			(48)
Charge-offs			(467)
Transfers	(1)	(26)	(3)	(28)
Transfers	(1)		(3)	(133)
Ending balance	714	1,218	714	1,218
Ending balance	4,893	6,069	4,893	6,069
Non-PCI
Accretable discount	1,216	2,995	1,867	835
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Beginning balance	1,216	2,995	1,867	835
Purchases				3,182
Accretion	(217)	(312)	(868)	(1,334)
Transfers		(373)		(373)
Ending balance	$ 999	$ 2,310	$ 999	$ 2,310

Allowance for Loan Losses (Deta

Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Allowance for loan losses:
Beginning Balance	$ 19,372	$ 19,321	$ 19,006	$ 17,461
Charge-offs	397	372	1,216	1,046
Recoveries	126	379	411	2,185
Provision (release)	550		1,450	728
Ending Balance	19,651	19,328	19,651	19,328
Ending balance: Individually evaluated for impairment	274	373	274	373
Ending balance: Collectively evaluated for impairment	18,805	18,955	18,805	18,955
Ending balance: Acquired and accounted for ASC 310-30	572		572
Loans:
Ending balance	1,899,811	1,834,949	1,899,811	1,834,949	$ 1,897,027
Ending balance	1,899,811		1,899,811
Ending balance: Individually evaluated for impairment	17,909	16,725	17,909	16,725
Ending balance: Collectively evaluated for impairment	1,872,767	1,807,337	1,872,767	1,807,337
Ending balance: Acquired and accounted for ASC 310-30	9,135	10,887	9,135	10,887
Commercial Portfolio Segment [Member]
Loans:
Ending balance	333,664		333,664		314,323
Commercial without Leases
Allowance for loan losses:
Beginning Balance	3,377	2,676	2,832	2,453
Charge-offs	20	7	99	38
Recoveries	10	32	46	141
Provision (release)	(49)	96	539	241
Ending Balance	3,318	2,797	3,318	2,797
Ending balance: Individually evaluated for impairment	110		110
Ending balance: Collectively evaluated for impairment	3,208	2,797	3,208	2,797
Loans:
Ending balance		306,407		306,407
Ending balance	333,664		333,664
Ending balance: Individually evaluated for impairment	148		148
Ending balance: Collectively evaluated for impairment	333,516	306,407	333,516	306,407
Commercial leases
Allowance for loan losses:
Beginning Balance	961		734
Charge-offs	47		47
Provision (release)	66		293
Ending Balance	980		980
Ending balance: Collectively evaluated for impairment	980		980
Loans:
Ending balance	108,152		108,152
Ending balance: Individually evaluated for impairment	74		74
Ending balance: Collectively evaluated for impairment	108,078		108,078
Finance Leases Financing Receivable [Member]
Allowance for loan losses:
Beginning Balance		634		692
Charge-offs				13
Provision (release)		31		(14)
Ending Balance		665		665
Ending balance: Collectively evaluated for impairment		665		665
Loans:
Ending balance	108,152	70,661	108,152	70,661	78,806
Ending balance: Collectively evaluated for impairment		70,661		70,661
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning Balance	10,517	10,537	10,470	9,522
Charge-offs	159	201	432	609
Recoveries	12	37	47	425
Provision (release)	(88)	(144)	197	891
Ending Balance	10,282	10,229	10,282	10,229
Ending balance: Individually evaluated for impairment	37	185	37	185
Ending balance: Collectively evaluated for impairment	9,690	10,044	9,690	10,044
Ending balance: Acquired and accounted for ASC 310-30	555		555
Loans:
Ending balance		808,310		808,310
Ending balance	830,713		830,713
Ending balance: Individually evaluated for impairment	7,671	5,782	7,671	5,782
Ending balance: Collectively evaluated for impairment	819,109	798,402	819,109	798,402
Ending balance: Acquired and accounted for ASC 310-30	3,933	4,126	3,933	4,126
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning Balance	1,790	1,818	1,931	1,846
Charge-offs	3		21	(55)
Recoveries	22	83	86	1,099
Provision (release)	56	67	(131)	(1,032)
Ending Balance	1,865	1,968	1,865	1,968
Ending balance: Individually evaluated for impairment	65	59	65	59
Ending balance: Collectively evaluated for impairment	1,800	1,909	1,800	1,909
Loans:
Ending balance		399,581		399,581
Ending balance	393,076		393,076
Ending balance: Individually evaluated for impairment	7,509	8,740	7,509	8,740
Ending balance: Collectively evaluated for impairment	381,002	384,858	381,002	384,858
Ending balance: Acquired and accounted for ASC 310-30	4,565	5,983	4,565	5,983
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning Balance	1,335	1,390	1,449	1,446
Charge-offs	19	49	298	141
Recoveries	21	139	79	277
Provision (release)	(74)	(372)	33	(474)
Ending Balance	1,263	1,108	1,263	1,108
Ending balance: Individually evaluated for impairment	55	61	55	61
Ending balance: Collectively evaluated for impairment	1,208	1,047	1,208	1,047
Loans:
Ending balance		122,022		122,022
Ending balance	126,309		126,309
Ending balance: Individually evaluated for impairment	2,391	2,054	2,391	2,054
Ending balance: Collectively evaluated for impairment	123,918	119,968	123,918	119,968
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning Balance	572	868	621	579
Charge-offs	142	115	311	316
Recoveries	61	56	152	208
Provision (release)	646	696	675	1,034
Ending Balance	1,137	1,505	1,137	1,505
Ending balance: Individually evaluated for impairment	7	26	7	26
Ending balance: Collectively evaluated for impairment	1,113	1,479	1,113	1,479
Ending balance: Acquired and accounted for ASC 310-30	17		17
Loans:
Ending balance	16,194	14,317	16,194	14,317	$ 16,092
Ending balance	16,194		16,194
Ending balance: Individually evaluated for impairment	22	40	22	40
Ending balance: Collectively evaluated for impairment	16,172	14,277	16,172	14,277
Construction Loans | Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning Balance	820	1,398	969	923
Charge-offs	7		8	(16)
Recoveries		32		35
Recoveries, net			1
Provision (release)	(7)	(374)	(156)	82
Ending Balance	806	1,056	806	1,056
Ending balance: Individually evaluated for impairment		42		42
Ending balance: Collectively evaluated for impairment	806	1,014	806	1,014
Loans:
Ending balance		113,651		113,651
Ending balance	91,703		91,703
Ending balance: Individually evaluated for impairment	94	109	94	109
Ending balance: Collectively evaluated for impairment	90,972	112,764	90,972	112,764
Ending balance: Acquired and accounted for ASC 310-30	$ 637	$ 778	$ 637	$ 778

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Activity in the other real estate owned (OREO) portfolio, net of valuation reserve
Balance at beginning of period			$ 7,175
Balance at end of period	$ 4,682		4,682
Activity in the valuation allowance
Provision for unrealized losses	203	$ 119	399	$ 485
Expenses related to foreclosed assets, net of lease revenue
Gain on sales, net	(104)	(612)	(254)	(716)
Provision for unrealized losses	203	119	399	485
Operating expenses	(73)	133
Less: Lease revenue		10
Expenses related to OREO, net of lease revenue	26	(370)
Real Estate, Other
Activity in the other real estate owned (OREO) portfolio, net of valuation reserve
Balance at beginning of period	5,668	8,912	7,175	8,371
Property additions, net of acquisition adjustments	305	(217)	305	2,595
Property improvements				59
Less: Property disposals, net of gains/losses	1,088	1,612	2,390	3,576
Less: Period valuation adjustments	203	119	399	485
Less: Other adjustments			9
Balance at end of period	4,682	6,964	4,682	6,964
Activity in the valuation allowance
Balance at beginning of period	8,061	8,348	8,027	8,208
Provision for unrealized losses	203	119	399	485
Reductions taken on sales	(798)	(456)	(960)	(682)
Balance at end of period	7,466	8,011	7,466	8,011
Expenses related to foreclosed assets, net of lease revenue
Gain on sales, net			(254)	(716)
Provision for unrealized losses	$ 203	$ 119	399	485
Operating expenses			184	502
Less: Lease revenue			5	39
Expenses related to OREO, net of lease revenue			$ 324	$ 232

Deposits - Components and Matur

Deposits - Components and Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Deposits
Noninterest bearing demand	$ 643,355	$ 618,830
Savings	304,726	304,400
NOW accounts	413,291	425,878
Money market accounts	286,484	310,390
Certificates of deposit of less than $100,000	222,378	230,781
Certificates of deposit of $100,000 up to $250,000	142,669	159,953
Certificates of deposit of $250,000 or more	61,588	66,441
Total deposits	$ 2,074,491	$ 2,116,673

Borrowings - Summary (Details)

Borrowings - Summary (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Borrowings
Senior Notes	$ 44,244	$ 44,158
Total borrowings	243,692	313,355
Securities Sold under Agreements to Repurchase [Member]
Borrowings
Total borrowings	48,870	46,632
Federal Home Loan Bank Advances [Member]
Borrowings
Total borrowings	84,000	149,500
Junior Subordinated Debt [Member]
Borrowings
Total borrowings	57,722	57,686
Senior Notes.
Borrowings
Senior Notes	44,244	44,158
Notes Payable to Banks [Member]
Borrowings
Total borrowings	$ 8,856	$ 15,379

Borrowings - Additional informa

Borrowings - Additional information (Details) - USD ($)	3 Months Ended	9 Months Ended	12 Months Ended
	Dec. 31, 2016	Sep. 30, 2019	Dec. 31, 2018	Apr. 20, 2018
Borrowings
Interest rate (as a percent)	5.75%
Bank owned FHLBC stock		$ 4,500,000	$ 7,200,000
Senior notes		44,244,000	44,158,000
Debt Instrument, Term	10 years
Interest rate term	5 years
Total borrowings		243,692,000	313,355,000
GCFC/ABC Bank
Borrowings
FHLBC advance amount		$ 8,900,000
Subordinated Debt.				$ 6,600,000
Debt Instrument, Term		7 years
Debt assumed		$ 23,400,000
GCFC/ABC Bank | Minimum [Member]
Borrowings
Interest rate (as a percent)		2.19%
GCFC/ABC Bank | Maximum [Member]
Borrowings
Interest rate (as a percent)		2.83%
Debt Instrument, Variable Rate Base LIBOR [Member]
Borrowings
Basis points added to reference rate (as a percent)	385.00%
Securities Sold under Agreements to Repurchase [Member]
Borrowings
Carrying amount of securities secured		$ 48,900,000	46,600,000
Fair value of the pledged collateral		62,400,000	72,800,000
Total borrowings		$ 48,870,000	46,632,000
Securities Sold under Agreements to Repurchase [Member] | Minimum [Member]
Borrowings
Threshold percentage of stockholders' equity		10.00%
Federal Home Loan Bank Advances [Member]
Borrowings
Borrowings at FHLBC as percentage of total assets		35.00%
Borrowings at FHLBC as percentage of book value of certain mortgage loans		60.00%
FHLBC advance amount		$ 84,000,000	145,500,000
Bank owned FHLBC stock		4,500,000
Fair value of securities collateralized		54,900,000
Principal balance of loans collateralized		610,300,000
Combined collateral value		$ 464,100,000
Percentage increase in collateral pledged in support of federal home loan bank advances		367.40%
Amount available for additional borrowings		$ 277,000,000
Total borrowings		$ 84,000,000	149,500,000
FHLB advances at 2.02%
Borrowings
Interest rate (as a percent)		2.02%
FHLBC advance amount		$ 65,000,000
FHLB advances at 2.04%
Borrowings
FHLBC advance amount		10,000,000
FHLB advances at 1.76% to 2.23%
Borrowings
FHLBC advance amount		$ 8,900,000
FHLB advances at 1.76% to 2.23% | Minimum [Member]
Borrowings
Interest rate (as a percent)		1.76%
FHLB advances at 1.76% to 2.23% | Maximum [Member]
Borrowings
Interest rate (as a percent)		2.23%
Notes Payable to Banks [Member]
Borrowings
Total borrowings		$ 8,856,000	15,379,000
Credit Facility [Member]
Borrowings
Maximum borrowing capacity			$ 20,000,000
Debt Instrument, Term			360 days
Short-term debt			$ 4,000,000
Junior Subordinated Debt [Member]
Borrowings
Total borrowings		57,722,000	57,686,000
Senior Notes.
Borrowings
Senior notes		44,244,000	44,158,000
Debt issuance costs		$ 756,000	$ 842,000
Amortization period for deferred financing costs		10 years

Junior Subordinated Debentures

Junior Subordinated Debentures - Issuance (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Apr. 30, 2007	Jul. 31, 2003	Jun. 30, 2003	Sep. 30, 2019	Dec. 31, 2018
Junior subordinated debentures
Junior subordinated debentures	$ 57,722				$ 57,722	$ 57,686
Old Second Capital Trust I [Member]
Junior subordinated debentures
Proceeds from sale of cumulative trust preferred securities			$ 4,100	$ 27,500
Maturity Period					30 years
Cash distribution rate of trust preferred securities (as a percent)					7.80%
Old Second Capital Trust II [Member]
Junior subordinated debentures
Proceeds from sale of cumulative trust preferred securities		$ 25,000
Maturity Period					30 years
Old Second Capital Trust II [Member] | Debt Instrument, Redemption, Period One [Member]
Junior subordinated debentures
Cash distribution rate of trust preferred securities (as a percent)	4.40%
Cash distribution fixed rate of trust preferred securities (as a percent)					6.77%
Old Second Capital Trust II [Member] | Debt Instrument, Redemption, Period Two [Member]
Junior subordinated debentures
Basis points added to cash distribution floating rate base (as a percent)					1.50%
Old Second Capital Trust II [Member] | Debt Instrument, Redemption, Period Two [Member] | Debt Instrument, Variable Rate Base LIBOR [Member]
Junior subordinated debentures
Cash distribution, floating rate base					three-month LIBOR
Junior Subordinated Debt [Member]
Junior subordinated debentures
Junior Subordinated Debentures issuance cost	$ 657				$ 657	$ 692
Junior Subordinated Debt [Member] | Old Second Capital Trust I [Member]
Junior subordinated debentures
Junior subordinated debentures	32,600				32,600
Junior Subordinated Debt [Member] | Old Second Capital Trust II [Member]
Junior subordinated debentures
Junior subordinated debentures	$ 25,800				$ 25,800

Equity Compensation Plans - Opt

Equity Compensation Plans - Options (Details) - USD ($)	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2019	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2018
Equity Compensation Plans
Total compensation cost		$ 1.9	$ 1.7
Exercised (in shares)	4,500
Shares
Exercised (in shares)	(4,500)
Aggregate Intrinsic Value
Exercised (in dollars)	$ (27,000)
2014 Plan
Equity Compensation Plans
Number of shares authorized	600,000	600,000
Employee and Nonemployee Stock Options [Member]
Equity Compensation Plans
Granted (in shares)			0
Term of stock options granted		10 years
Exercised (in shares)		4,500
Total unrecognized compensation cost	$ 0	$ 0
Shares
Beginning outstanding (in shares)		4,500
Exercised (in shares)		(4,500)
Ending outstanding (in shares)				4,500
Weighted Average Exercise Price
Beginning outstanding (in dollars per share)		$ 7.49
Exercised (in dollars per share)	$ 7.49
Ending outstanding (in dollars per share)				$ 7.49
Weighted Average Remaining Contractual Term (years)
Ending outstanding (in years)		0 years		1 month 6 days
Aggregate Intrinsic Value
Ending outstanding (in dollars)				$ 25,000
Restricted Stock and Restricted Stock Units [Member]
Equity Compensation Plans
Vesting period		3 years

Equity Compensation Plans - Sum

Equity Compensation Plans - Summary of stock option activity (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019	Sep. 30, 2018
Summary Of Stock Option Activity [Abstract]
Intrinsic value of options exercised	$ 27
Cash received from options exercised		$ 32
Stock based compensation		$ 1,905	$ 1,641
2014 Plan
Summary Of Stock Option Activity [Abstract]
Number of shares authorized	600,000	600,000
Number of shares issuable	433,894	433,894

Equity Compensation Plans - Res

Equity Compensation Plans - Restricted Stock and RSUs (Details) - Restricted Stock and Restricted Stock Units [Member] - USD ($) $ / shares in Units, $ in Millions	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Changes in unvested awards
Nonvested at the beginning of the period (in shares)	552,281
Granted (in shares)	166,106	254,281
Vested (in shares)	(123,937)
Nonvested at the end of the period (in shares)	594,450
Weighted Average Grant Date Fair Value
Nonvested at the beginning of the period (in dollars per share)	$ 11.30
Granted (in dollars per share)	12.77
Vested (in dollars per share)	7.43
Nonvested at the end of the period (in dollars per share)	$ 12.52
Additional information
Total unrecognized compensation cost of restricted awards	$ 3.6
Expected weighted-average period for recognition of unrecognized compensation	1 year 11 months 19 days

Earnings Per Share - Reconcilia

Earnings Per Share - Reconciliation (Details) - USD ($)	Jan. 16, 2019	Sep. 30, 2019	Mar. 31, 2019	Sep. 30, 2018	Mar. 31, 2018	Dec. 31, 2016	Sep. 30, 2019	Sep. 30, 2018	Dec. 31, 2009	Mar. 31, 2019	Jan. 16, 2009
Basic earnings per share:
Weighted-average common shares outstanding		29,899,063		29,747,078			29,880,511	29,718,191
Net income		$ 12,173,000		$ 9,642,000			$ 29,919,000	$ 25,392,000
Basic earnings per share (in dollars per share)		$ 0.41		$ 0.32			$ 1	$ 0.85
Diluted earnings per share:
Weighted-average common shares outstanding		29,899,063		29,747,078			29,880,511	29,718,191
Diluted average common shares outstanding		30,438,333		30,383,891			30,390,965	30,297,294
Net earnings available to common stockholders		$ 12,173,000		$ 9,642,000			$ 29,919,000	$ 25,392,000
Diluted earnings per share (in dollars per share)		$ 0.40		$ 0.32			$ 0.98	$ 0.84
Warrants, exercise price (in dollars per share)	$ 14.23			$ 13.43				$ 13.43
Warrant term						10 years
Stock warrants exercised	$ (313,000)
Stock warrants exercised (in shares)	45,836
Warrant [Member]
Diluted earnings per share:
Antidilutive securities								815,339
Warrants, exercise price (in dollars per share)											$ 13.43
Warrant term			10 years		10 years				10 years	10 years
Restricted Stock and Restricted Stock Units [Member]
Diluted earnings per share:
Dilutive effect of share-based payment awards (in shares)		539,270		563,781			510,454	525,627
Employee and Nonemployee Stock Options [Member]
Diluted earnings per share:
Dilutive effect of share-based payment awards (in shares)				73,032				53,476

Regulatory & Capital Matters (D

Regulatory & Capital Matters (Details)	Sep. 30, 2019	Sep. 30, 2019	Dec. 31, 2018
Regulatory & Capital Matters
Tier 1 capital leverage ratio (as a percent)	11.54%	11.54%	10.08%
Risk-based capital ratio (as a percent)	14.34%	14.34%	12.63%
Risk-based capital ratio, basis point decrease (as a percent)	158.00%
Subsidiaries [Member]
Regulatory & Capital Matters
Tier 1 capital leverage ratio (as a percent)	12.68%	12.68%	11.36%
Risk-based capital ratio (as a percent)	15.72%	15.72%	14.14%
Tier One leverage ratio, basis point increase (as a percent)		1.32%
Minimum [Member] | Subsidiaries [Member]
Regulatory & Capital Matters
Tier 1 capital leverage ratio, board-designated threshold	8.00%	8.00%
Total Capital Ratio, board-designated threshold (as a percent)	12.00%	12.00%

Regulatory & Capital Matters -

Regulatory & Capital Matters - Capital Levels and Industry Defined Regulatory Minimums (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Common equity tier 1 capital to risk weighted assets
Actual	$ 240,643	$ 207,597
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 154,683	$ 142,444
Common equity tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	10.89%	9.29%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	7.00%	6.375%
Total capital to risk weighted assets, Amount
Actual at period end	$ 316,914	$ 282,126
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 232,050	$ 220,648
Total capital to risk weighted assets, Ratio
Risk-based capital ratio (as a percent)	14.34%	12.63%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	10.50%	9.875%
Tier 1 capital to risk weighted assets, Amount
Actual	$ 297,268	$ 263,125
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 187,865	$ 175,960
Tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	13.45%	11.78%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	8.50%	7.875%
Tier 1 capital to average assets, Amount
Actual	$ 297,268	$ 263,125
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 103,039	$ 104,415
Tier 1 capital to average assets, Ratio
Tier 1 capital leverage ratio (as a percent)	11.54%	10.08%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	4.00%	4.00%
Subsidiaries [Member]
Common equity tier 1 capital to risk weighted assets
Actual	$ 325,983	$ 295,599
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	153,869	141,791
Minimum Required to Be Well Capitalized	$ 153,869	$ 144,571
Common equity tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	14.83%	13.29%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	7.00%	6.375%
Minimum Required to Be Well Capitalized (as a percent)	6.50%	6.50%
Total capital to risk weighted assets, Amount
Actual at period end	$ 345,629	$ 314,600
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	230,859	219,637
Minimum Required to Be Well Capitalized	$ 230,859	$ 222,417
Total capital to risk weighted assets, Ratio
Risk-based capital ratio (as a percent)	15.72%	14.14%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	10.50%	9.875%
Minimum Required to Be Well Capitalized (as a percent)	10.00%	10.00%
Tier 1 capital to risk weighted assets, Amount
Actual	$ 325,983	$ 295,599
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	186,841	175,153
Minimum Required to Be Well Capitalized	$ 186,841	$ 177,934
Tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	14.83%	13.29%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	8.50%	7.875%
Minimum Required to Be Well Capitalized (as a percent)	8.00%	8.00%
Tier 1 capital to average assets, Amount
Actual	$ 325,983	$ 295,599
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	102,834	104,084
Minimum Required to Be Well Capitalized	$ 128,542	$ 130,105
Tier 1 capital to average assets, Ratio
Tier 1 capital leverage ratio (as a percent)	12.68%	11.36%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	4.00%	4.00%
Minimum Required to Be Well Capitalized (as a percent)	5.00%	5.00%

Regulatory & Capital Matters _2

Regulatory & Capital Matters - Dividend Restrictions and Deferrals (Details)	9 Months Ended
	Sep. 30, 2019
Dividend Restrictions and Deferrals
Number of previous years retained profit considered for dividend payment	2 years

Fair Value Measurements - Recur

Fair Value Measurements - Recurring (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018
Assets:
Securities available-for-sale	$ 488,422	$ 488,422		$ 541,248
Mortgage servicing rights	5,361			7,357
US Treasury Securities [Member]
Assets:
Securities available-for-sale			$ 4,038	3,923
US Government Corporations and Agencies Securities [Member]
Assets:
Securities available-for-sale			9,143	10,951
Mortgage Backed Securities, Issued by US Government Agencies [Member]
Assets:
Securities available-for-sale			$ 16,940
US States and Political Subdivisions Debt Securities [Member]
Assets and liabilities measured at fair value on a recurring basis
Purchases	17,643	$ 20,421
Assets:
Securities available-for-sale	238,727			274,067
Collateralized Mortgage Obligations [Member]
Assets:
Securities available-for-sale	64,121			64,429
Asset-backed Securities [Member]
Assets:
Securities available-for-sale	83,182			109,514
Collateralized loan obligations
Assets:
Securities available-for-sale	72,271			64,289
Fair Value, Inputs, Level 1 [Member]
Assets:
Securities available-for-sale	4,038			3,923
Fair Value, Inputs, Level 2 [Member]
Assets:
Securities available-for-sale	478,511			529,160
Loans held-for-sale	5,592			2,984
Liabilities:
Other liabilities	4,696			58
Fair Value, Inputs, Level 3 [Member]
Assets:
Securities available-for-sale	5,873			8,165	$ 9,500
Mortgage servicing rights	5,361			7,357
Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Assets:
Securities available-for-sale	5,900
Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Obligations [Member]
Assets:
Securities available-for-sale					$ 1,600
Fair Value, Measurements, Recurring [Member]
Assets:
Securities available-for-sale				10,951
Total financial assets	503,584			552,420
Liabilities:
Total	8,532			756
Fair Value, Measurements, Recurring [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Loans held-for-sale	5,592			2,984
Mortgage servicing rights	5,361			7,357
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member]
Liabilities:
Other liabilities	8,532			756
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Other assets	3,756			672
Fair Value, Measurements, Recurring [Member] | Forward Contracts [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Other assets	453			159
Fair Value, Measurements, Recurring [Member] | US Treasury Securities [Member]
Assets:
Securities available-for-sale				3,923
Fair Value, Measurements, Recurring [Member] | US Treasury Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	4,038
Fair Value, Measurements, Recurring [Member] | US Government Corporations and Agencies Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	9,143
Fair Value, Measurements, Recurring [Member] | Mortgage Backed Securities, Issued by US Government Agencies [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	16,940			14,075
Fair Value, Measurements, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	238,727			274,067
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	64,121			64,429
Fair Value, Measurements, Recurring [Member] | Asset-backed Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	83,182			109,514
Fair Value, Measurements, Recurring [Member] | Collateralized loan obligations | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	72,271			64,289
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Assets:
Total financial assets	4,038			3,923
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Treasury Securities [Member]
Assets:
Securities available-for-sale				3,923
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Treasury Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	4,038
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Assets:
Securities available-for-sale				10,951
Total financial assets	488,312			532,975
Liabilities:
Total	8,532			756
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Loans held-for-sale	5,592			2,984
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member]
Liabilities:
Other liabilities	8,532			756
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Other assets	3,756			672
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Forward Contracts [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Other assets	453			159
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Government Corporations and Agencies Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	9,143
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage Backed Securities, Issued by US Government Agencies [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	16,940			14,075
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	232,854			265,902
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Obligations [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	64,121			64,429
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Asset-backed Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	83,182			109,514
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized loan obligations | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	72,271			64,289
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Assets:
Total financial assets	11,234			15,522
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Mortgage servicing rights	5,361			7,357
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member] | Finite-Lived Intangible Assets [Member]
Assets:
Securities available-for-sale	$ 5,873			$ 8,165

Fair Value Measurements - Chang

Fair Value Measurements - Changes in Level 3 (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Changes in Level 3
Beginning balance		$ 2,268
Total gains or losses
Included in other comprehensive income		34
Purchases, issuances, sales, and settlements
Settlements		(770)
Ending balance		1,564
Changes in Level 3 (liabilities)
Included in earnings (or changes in net assets)		32
US States and Political Subdivisions Debt Securities [Member]
Changes in Level 3
Beginning balance	$ 8,165	14,261
Total gains or losses
Included in other comprehensive income	898	(805)
Purchases, issuances, sales, and settlements
Purchases	17,643	20,421
Settlements	(20,808)	(24,366)
Ending balance	5,873	9,511
Changes in Level 3 (liabilities)
Included in earnings (or changes in net assets)	(25)
Mortgage Servicing Rights [Member]
Changes in Level 3
Beginning balance	7,357	6,944
Total gains or losses
Included in earnings (or changes in net assets)		636
Purchases, issuances, sales, and settlements
Issuances	906	997
Settlements	(518)	(446)
Ending balance	5,361	$ 8,131
Changes in Level 3 (liabilities)
Included in earnings (or changes in net assets)	$ (2,384)

Fair Value Measurements - Quant

Fair Value Measurements - Quantitative and Qualitative Information (Details) $ in Thousands	Sep. 30, 2019USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)
Quantitative information about Level 3 fair value measurements
Mortgage servicing rights, fair value	$ 5,361	$ 7,357
Securities available-for-sale, at fair value	488,422	541,248	$ 488,422
Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Mortgage servicing rights, fair value	5,361	7,357
Securities available-for-sale, at fair value	5,873	8,165		$ 9,500
US States and Political Subdivisions Debt Securities [Member]
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	238,727	274,067
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	5,900
Collateralized Mortgage Obligations [Member]
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	$ 64,121	$ 64,429
Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value				$ 1,600
Measurement Input, Discount Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		10.2
Measurement Input, Discount Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Minimum [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		10
Measurement Input, Discount Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Maximum [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		229.7
Measurement Input, Discount Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	10.1
Measurement Input, Constant Prepayment Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		9.6
Measurement Input, Constant Prepayment Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Minimum [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	7	7
Measurement Input, Constant Prepayment Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Maximum [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	69	68.9
Measurement Input, Constant Prepayment Rate | Mortgage Servicing Rights [Member] | Fair Value, Inputs, Level 3 [Member] | Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	16.6
Fair Value, Measurements, Recurring [Member]
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value		$ 10,951

Fair Value Measurements - Nonre

Fair Value Measurements - Nonrecurring (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Assets and liabilities measured at fair value
Valuation allowance	$ 274	$ 352
Carrying value of other real estate owned	4,682	7,175
Impaired Loans [Member]
Assets and liabilities measured at fair value
Valuation allowance		12,500
Fair Value, Measurements, Nonrecurring [Member]
Assets and liabilities measured at fair value
Total	10,184	19,338
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Assets and liabilities measured at fair value
Total	5,502	12,163
Valuation allowance	274	352,000,000
Increase (decrease) of specific allocations within the provision for loan losses	78	208,000,000
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member] | Reported Value Measurement [Member]
Assets and liabilities measured at fair value
Total	5,800
Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate Owned [Member]
Assets and liabilities measured at fair value
Total	4,682	7,175
Carrying value of other real estate owned	4,700	7,200
Outstanding balance	13,100	16,000
OREO Valuation allowance	8,100	8,000
OREO participations	937,000,000	900,000
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Assets and liabilities measured at fair value
Total	10,184	19,338
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]
Assets and liabilities measured at fair value
Total	5,502	12,163
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]
Assets and liabilities measured at fair value
Total	$ 4,682	$ 7,175

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018
Financial assets:
Cash and due from banks	$ 42,671	$ 38,599
Interest bearing deposits with financial institutions	11,366	16,636
Securities available-for-sale	488,422	541,248	$ 488,422
FHLBC and FRBC Stock	10,711	13,433
Bank-owned life insurance	62,589	61,544
Financial liabilities:
Noninterest bearing deposits	643,355	618,830
Other short-term borrowings	84,000	149,500
Junior subordinated debentures	57,722	57,686
Reported Value Measurement [Member]
Financial assets:
Cash and due from banks	42,671	38,599
Interest bearing deposits with financial institutions	11,366	16,636
Securities available-for-sale	488,422	541,248
FHLBC and FRBC Stock	10,711	13,433
Loans held for sale	5,592	2,984
Net loans	1,880,160	1,878,021
Accrued interest receivable	9,854	10,940
Financial liabilities:
Noninterest bearing deposits	643,355	618,830
Interest bearing deposits	1,431,136	1,497,843
Securities sold under repurchase agreements	48,870	46,632
Other short-term borrowings	84,000	149,500
Junior subordinated debentures	57,722	57,686
Senior notes	44,244	44,158
Note payable and other borrowings	8,856	15,379
Interest rate swap	4,696	58
Borrowing interest payable	744	281
Deposit interest payable	950	973
Estimate of Fair Value Measurement [Member]
Financial assets:
Cash and due from banks	42,671	38,599
Interest bearing deposits with financial institutions	11,366	16,636
Securities available-for-sale	488,422	541,248
FHLBC and FRBC Stock	10,711	13,433
Loans held for sale	5,592	2,984
Net loans	1,915,103	1,867,594
Accrued interest receivable	9,854	10,940
Financial liabilities:
Noninterest bearing deposits	643,355	618,830
Interest bearing deposits	1,431,267	1,495,614
Securities sold under repurchase agreements	48,870	46,632
Other short-term borrowings	84,000	149,500
Junior subordinated debentures	42,170	47,625
Senior notes	46,269	45,008
Note payable and other borrowings	8,856	15,379
Interest rate swap	4,696	58
Borrowing interest payable	744	281
Deposit interest payable	950	973
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and due from banks	42,671	38,599
Interest bearing deposits with financial institutions	11,366	16,636
Securities available-for-sale	4,038	3,923
Financial liabilities:
Noninterest bearing deposits	643,355	618,830
Junior subordinated debentures	34,557	32,989
Senior notes	46,269	45,008
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Securities available-for-sale	478,511	529,160
FHLBC and FRBC Stock	10,711	13,433
Loans held for sale	5,592	2,984
Accrued interest receivable	9,854	10,940
Financial liabilities:
Interest bearing deposits	1,431,267	1,495,614
Securities sold under repurchase agreements	48,870	46,632
Other short-term borrowings	84,000	149,500
Junior subordinated debentures	7,613	14,636
Note payable and other borrowings	8,856	15,379
Interest rate swap	4,696	58
Borrowing interest payable	744	281
Deposit interest payable	950	973
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Securities available-for-sale	5,873	8,165		$ 9,500
Net loans	$ 1,915,103	$ 1,867,594

Financial Instruments with Of_2

Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions - Fair Value of Derivatives (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2019USD ($)item	Dec. 31, 2018USD ($)item
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Amount to be reclassified as a reduction to interest expense during the next twelve months	$ 256,000
Designated as Hedging Instrument [Member]
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Derivative liabilities designated as hedging instruments, fair value	$ 4,696,000
Designated as Hedging Instrument [Member] | Interest Rate Products
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Derivative, number of transactions | item	1	1
Notional Amount	$ 25,774,000
Derivated liabilities designated as hedging instruments, classified in other liabilities	4,696,000
Derivative liabilities designated as hedging instruments, fair value		$ 58,000
Designated as Hedging Instrument [Member] | Interest Rate Products | OSBC Affiliates
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Notional Amount		25,800,000
Not Designated as Hedging Instrument [Member]
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Derivative assets not designated as hedging instruments, fair value	4,209,000	831,000
Total Derivative liabilities not designated as hedging instruments, fair value	$ 3,835,000	698,000
Not Designated as Hedging Instrument [Member] | Interest Rate Products | Commercial Loan Customers
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Derivative, number of transactions | item	24
Notional Amount	$ 174,531,000	$ 188,900,000
Interest rate derivatives, derivative assets not designated as hedging instruments, classified in other assets	3,756,000
Interest rate derivatives, derivative not designated as hedging instruments, classified in other liabilities	$ 3,756,000
Weighted average maturity	6 years	6 years 7 months 6 days
Not Designated as Hedging Instrument [Member] | Interest Rate Swap [Member]
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Cash collateral pledged with financial institutions, dollars	$ 176,000	$ 260,000
Investment securities pledged with financial institutions, dollars	$ 11,300,000	$ 0
Number of correspondent financial institutions where investment securities are pledged | item	1	1
Number of financial institutions where investment securities are required to be pledged | item	2
Not Designated as Hedging Instrument [Member] | Interest Rate Lock Commitments and Forward Contracts
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Derivative, number of transactions | item	141	63
Notional Amount	$ 50,520,000	$ 18,130,000
Interest rate derivatives, derivative assets not designated as hedging instruments, classified in other assets	$ 453,000	$ 159,000
Not Designated as Hedging Instrument [Member] | Interest Rate Lock Commitments and Forward Contracts | Commercial Loan Customers
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Derivative, number of transactions | item		25
Notional Amount		$ 188,931,000
Interest rate derivatives, derivative assets not designated as hedging instruments, classified in other assets		672,000
Interest rate derivatives, derivative not designated as hedging instruments, classified in other liabilities		$ 672,000
Not Designated as Hedging Instrument [Member] | Other Contracts
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Derivative, number of transactions | item	4	3
Notional Amount	$ 28,231,000	$ 18,155,000
Derivated liabilities designated as hedging instruments, classified in other liabilities		$ 26,000
Interest rate derivatives, derivative not designated as hedging instruments, classified in other liabilities	$ 79,000

Financial Instruments with Of_3

Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions - Effect of Fair Value (Details) - USD ($)	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Amount of Gain or (Loss) Reclassified from Accumulated OCI into Income	$ 2,000,000		$ (599,000)
Interest Income (Expense)
Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions
Amount of Gain or (Loss) Reclassified from Accumulated OCI into Income	$ (12,000)		$ (27,000)	$ (145,000)
Amount of Gain or (Loss) Recognized in Income on Derivative		$ (29,000)

Financial Instruments with Of_4

Financial Instruments with Off-Balance Sheet Risk and Derivative Transactions - Balance Sheet Risk - Commitments (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Company's contractual commitments due to letters of credit
Total letters of credit	$ 15,061	$ 14,862
Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	910	859
Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	14,151	14,003
Commitments to Extend Credit to Borrowers [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	14,994	14,795
Commitments to Extend Credit to Borrowers [Member] | Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	910	859
Commitments to Extend Credit to Borrowers [Member] | Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	14,084	13,936
Commitments to Extend Credit to Borrowers [Member] | Financial Standby Letter of Credit [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	7,757	7,485
Commitments to Extend Credit to Borrowers [Member] | Financial Standby Letter of Credit [Member] | Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	339	327
Commitments to Extend Credit to Borrowers [Member] | Financial Standby Letter of Credit [Member] | Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	7,418	7,158
Commitments to Extend Credit to Borrowers [Member] | Standby Letters of Credit [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	354	397
Commitments to Extend Credit to Borrowers [Member] | Standby Letters of Credit [Member] | Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	354	397
Commitments to Extend Credit to Borrowers [Member] | Performance Guarantee [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	6,883	6,913
Commitments to Extend Credit to Borrowers [Member] | Performance Guarantee [Member] | Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	571	532
Commitments to Extend Credit to Borrowers [Member] | Performance Guarantee [Member] | Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	6,312	6,381
Commitments to Extend Credit Nonborrowers [Member] | Performance Guarantee [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	67	67
Commitments to Extend Credit Nonborrowers [Member] | Performance Guarantee [Member] | Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	$ 67	$ 67