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Regulatory Capital (Tables)
12 Months Ended
Dec. 31, 2014
Regulatory Capital [Abstract]  
Actual Capital Amounts and Ratios

The Company’s and Bank’s actual capital amounts and ratios are presented in the table below.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2014

 

 

Actual Capital Levels

 

Minimum Regulatory Capital Levels

 

Minimum Required To be Considered Well-Capitalized

 

 

Amount

 

Ratio

 

 

 

Amount

 

Ratio

 

 

Amount

 

Ratio

Leverage Capital Level(1):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

120,568 

 

8.5 

%

 

$

56,687 

 

4.0 

%

 

$

N/A

 

N/A

%

MutualBank

 

124,083 

 

8.8 

 

 

 

56,610 

 

4.0 

 

 

 

70,763 

 

5.0 

 

Tier 1 Risk-Based Capital Level (2)  :

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

120,568 

 

12.3 

%

 

$

39,269 

 

4.0 

%

 

$

58,903 

 

6.0 

%

MutualBank

 

124,083 

 

12.6 

 

 

 

39,257 

 

4.0 

 

 

 

58,886 

 

6.0 

 

Total Risk-Based Capital Level (3)  :

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

132,847 

 

13.5 

%

 

$

78,537 

 

8.0 

%

 

$

98,171 

 

10.0 

%

MutualBank

 

136,362 

 

13.9 

 

 

 

78,515 

 

8.0 

 

 

 

98,143 

 

10.0 

 

(1) Tier 1 Capital to Average Total Assets of $1.4 billion for the Bank and $1.4 billion for the Company at December 31, 2014.

(2) Tier 1 Capital to Risk-Weighted Assets of $981.4 million for the Bank and $981.7 million for the Company at December 31, 2014.

(3) Total Capital to Risk-Weighted Assets.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2013

 

 

Actual Capital Levels

 

Minimum Regulatory Capital Levels

 

Minimum Required To be Considered Well-Capitalized

 

 

Amount

 

Ratio

 

 

 

Amount

 

Ratio

 

 

Amount

 

Ratio

Leverage Capital Level(1):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

109,771 

 

7.9 

%

 

$

55,652 

 

4.0 

%

 

$

N/A

 

N/A

%

MutualBank

 

115,174 

 

8.3 

 

 

 

55,621 

 

4.0 

 

 

 

69,526 

 

5.0 

 

Tier 1 Risk-Based Capital Level (2)  :

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

109,771 

 

11.3 

%

 

$

38,754 

 

4.0 

%

 

$

58,131 

 

6.0 

%

MutualBank

 

115,174 

 

11.9 

 

 

 

38,733 

 

4.0 

 

 

 

58,099 

 

6.0 

 

Total Risk-Based Capital Level (3)  :

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

121,891 

 

12.6 

%

 

$

77,507 

 

8.0 

%

 

$

96,884 

 

10.0 

%

MutualBank

 

127,294 

 

13.2 

 

 

 

77,466 

 

8.0 

 

 

 

96,832 

 

10.0 

 

(1) Tier 1 Capital to Average Total Assets of $1.4 billion for the Bank and $1.4 billion for the Company at December 31, 2013.

(2) Tier 1 Capital to Risk-Weighted Assets of $968.3 million for the Bank and $968.8 million for the Company at December 31, 2013.

(3) Total Capital to Risk-Weighted Assets.