Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2016

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



	December 31, 2016
		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	$	138,971	9.0	%	$	61,914	4.0	%		N/A	N/A
MutualBank		136,301	8.8			61,832	4.0		$	77,290	5.0	%
Common Equity Tier 1 Capital Level (2) :
MutualFirst Consolidated	$	136,606	11.9	%	$	51,729	4.5	%		N/A	N/A
MutualBank		136,301	11.9			51,696	4.5		$	74,672	6.5	%
Tier 1 Risk-Based Capital Level (3) :
MutualFirst Consolidated	$	138,971	12.1	%	$	68,973	6.0	%		N/A	N/A
MutualBank		136,301	11.9			68,928	6.0		$	91,904	8.0	%
Total Risk-Based Capital Level (4) :
MutualFirst Consolidated	$	151,353	13.2	%	$	91,963	8.0	%		N/A	N/A
MutualBank		148,683	12.9			91,904	8.0		$	114,880	10.0	%
(1) Tier 1 Capital to Average Total Assets of $1.5 billion for the Bank and Company at December 31, 2016.
(2) Common Equity Tier 1 Capital to Risk-Weighted Assets of $1.1 billion for the Bank and Company at December 31, 2016.
(3) Tier 1 Capital to Risk-Weighted Assets.
(4) Total Capital to Risk-Weighted Assets.



	December 31, 2015
		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	$	132,727	9.1	%	$	58,608	4.0	%		N/A	N/A
MutualBank		134,754	9.2			58,509	4.0		$	73,136	5.0	%
Common Equity Tier 1 Capital Level (2) :
MutualFirst Consolidated	$	131,520	12.5	%	$	47,331	4.5	%		N/A	N/A
MutualBank		134,754	12.8			47,309	4.5		$	68,336	6.5	%
Tier 1 Risk-Based Capital Level (2) :
MutualFirst Consolidated	$	132,727	12.6	%	$	63,108	6.0	%		N/A	N/A
MutualBank		134,754	12.8			63,079	6.0		$	84,106	8.0	%
Total Risk-Based Capital Level (3) :
MutualFirst Consolidated	$	145,368	13.8	%	$	84,144	8.0	%		N/A	N/A
MutualBank		147,395	14.0			84,106	8.0		$	105,132	10.0	%
(1) Tier 1 Capital to Average Total Assets of $1.5 billion for the Bank and Company at December 31, 2015.
(2) Common Equity Tier 1 Capital to Risk-Weighted Assets of $1.1 billion for the Bank and Company at December 31, 2015.
(3) Tier 1 Capital to Risk-Weighted Assets.
(4) Total Capital to Risk-Weighted Assets.