Regulatory Capital (Notes)

12 Months Ended

Dec. 31, 2016

Regulatory Capital [Abstract]

Regulatory Capital Requirements under Banking Regulations [Text Block]

Regulatory Capital

The Company is subject to various regulatory capital requirements administered by the federal banking agencies.  Bank holding companies follow minimum regulatory requirements established by the Board of Governors of the Federal Reserve System (“Federal Reserve System”), and First Mid Bank and First Clover Leaf Bank follows similar minimum regulatory requirements established for national banks by the Office of the Comptroller of the Currency (“OCC”).  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary action by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.

Quantitative measures established by each regulatory capital standards to ensure capital adequacy require the Company and its subsidiary bank to maintain a minimum capital amounts and ratios (set forth in the table below).  Management believes that, as of December 31, 2016 and 2015, the Company,First Mid Bank, and First Clover Leaf Bank met all capital adequacy requirements.

As of December 31, 2016 and 2015, the most recent notification from the primary regulators categorized the Banks as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, minimum total risk-based capital, Tier 1 risk-based capital, Common Equity Tier 1 risk-based capital, and Tier 1 leverage ratios must be maintained as set forth in the table below. At December 31, 2016, there were no conditions or events since the most recent notification that management believes have changed this categorization.

	Actual				Required Minimum For Capital Adequacy Purposes			To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio	Amount		Ratio
December 31, 2016
Total Capital (to risk-weighted assets)
Company	$	270,062	12.79	%	$	168,902	> 8.00%	N/A		N/A
First Mid Bank	197,552		12.44	%	127,054		> 8.00	$	158,817	> 10.00%
First Clover Leaf Bank	78,145		15.08	%	41,459		> 8.00	$	51,824	> 10.00%
Tier 1 Capital (to risk-weighted assets)
Company	253,258		11.99	%	126,677		> 6.00	N/A		N/A
First Mid Bank	180,826		11.39	%	95,290		> 6.00	127,054		> 8.00
First Clover Leaf Bank	78,145		15.08	%	31,094		> 6.00	41,459		> 8.00
Common Equity Tier 1 Capital (to risk-weighted assets)
Company	229,341		10.86	%	95,008		> 4.50	N/A		N/A
First Mid Bank	180,826		11.39	%	71,468		> 4.50	103,231		> 6.50
First Clover Leaf Bank	78,145		15.08	%	23,321		> 4.50	33,685		> 6.50
Tier 1 Capital (to average assets)
Company	253,258		9.19	%	110,242		> 4.00	N/A		N/A
First Mid Bank	180,826		8.62	%	83,938		> 4.00	104,922		> 5.00
First Clover Leaf Bank	78,145		12.04	%	25,963		> 4.00	32,453		> 5.00
December 31, 2015
Total Capital (to risk-weighted assets)
Company	$	204,033	14.25	%	$	114,576	> 8.00%	N/A		N/A
First Mid Bank	195,937		13.75	%	114,012		> 8.00	$	142,514	> 10.00%
Tier 1 Capital (to risk-weighted assets)
Company	189,457		13.23	%	85,932		> 6.00	N/A		N/A
First Mid Bank	181,361		12.73	%	85,509		> 6.00	114,012		> 8.00
Common Equity Tier 1 Capital (to risk-weighted assets)
Company	142,057		9.92	%	64,449		> 4.50	N/A		N/A
First Mid Bank	181,361		12.73	%	64,131		> 4.50	92,634		> 6.50
Tier 1 Capital (to average assets)
Company	189,457		9.20	%	82,385		> 4.00	N/A		N/A
First Mid Bank	181,361		8.83	%	82,137		> 4.00	102,671		> 5.00

The Company's risk-weighted assets, capital and capital ratios for December 31, 2016 are computed in accordance with Basel III capital rules which were effective January 1, 2015. Prior periods are computed following previous rules. See heading "Basel III" in the Overview section of this report for a more detailed description of Basel III rules. As of December 31, 2016, the Company, First Mid Bank, and First Clover Leaf Bank had capital ratios above the required minimums for regulatory capital adequacy, and First Mid Bank and First Clover Leaf Bank had capital ratios that qualified it for treatment as well-capitalized under the regulatory framework for prompt corrective action with respect to banks. The decrease in capital ratios from December 31, 2015 is primarily due to additional assets from the acquisition of the ONB Branches.