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Regulatory Capital (Tables)
12 Months Ended
Dec. 31, 2017
Regulatory Capital [Abstract]  
Actual Capital Amounts and Ratios

The Company’s and Bank’s actual capital amounts and ratios as of December 31, are presented in the tables below.



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

December 31, 2017



 

 

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

$

148,135 

 

9.4 

%

 

$

63,293 

 

4.0 

%

 

 

N/A

 

N/A

 

MutualBank

 

133,515 

 

8.4 

 

 

 

63,254 

 

4.0 

 

 

$

79,068 

 

5.0 

%

Common Equity Tier 1 Capital Level (2)  :

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

144,764 

 

12.2 

%

 

$

53,249 

 

4.5 

%

 

 

N/A

 

N/A

 

MutualBank

 

133,515 

 

11.3 

 

 

 

53,407 

 

4.5 

 

 

$

77,143 

 

6.5 

%

Tier 1 Risk-Based Capital Level (3)  :

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

148,135 

 

12.5 

%

 

$

71,238 

 

6.0 

%

 

 

N/A

 

N/A

 

MutualBank

 

133,515 

 

11.3 

 

 

 

71,209 

 

6.0 

 

 

$

94,946 

 

8.0 

%

Total Risk-Based Capital Level (4)  :

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MutualFirst Consolidated

$

160,522 

 

13.5 

%

 

$

94,984 

 

8.0 

%

 

 

N/A

 

N/A

 

MutualBank

 

145,902 

 

12.3 

 

 

 

94,946 

 

8.0 

 

 

$

118,682 

 

10.0 

%

(1)

Tier 1 Capital to Total Average Assets for Leverage Ratio of $1.6 billion for the Bank and Company at December 31, 2017.

(2)

Common Equity Tier 1 Capital to Risk-Weighted Assets of $1.2 billion for the Bank and Company at December 31, 2017.

(3)

Tier 1 Capital to Risk-Weighted Assets.

(4)

Total Capital to Risk-Weighted Assets.







 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

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 Total Average Assets for Leverage Ratio 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.