Regulatory Capital (Notes)

12 Months Ended

Dec. 31, 2017

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 follow 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, 2017 and 2016, the Company and First Mid Bank met all capital adequacy requirements.

As of December 31, 2017 and 2016, the most recent notification from the primary regulators categorized First Mid Bank and FIrst Clover Leaf Bank (prior to its merger into First Mid Bank) 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, 2017, 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 with Capital Buffer			To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount (in thousands)		Ratio		Amount (in thousands)		Ratio	Amount (in thousands)		Ratio
December 31, 2017
Total Capital (to risk-weighted assets)
Company	$	290,843	12.70	%	$	211,848	> 9.25%	N/A		N/A
First Mid Bank	282,621		12.39	%	211,064		> 9.25	$	228,177	> 10.00%
Tier 1 Capital (to risk-weighted assets)
Company	270,866		11.83	%	166,043		> 7.25	N/A		N/A
First Mid Bank	262,644		11.51	%	165,428		> 7.25	182,542		> 8.00
Common Equity Tier 1 Capital (to risk-weighted assets)
Company	246,866		10.78	%	131,690		> 5.75	N/A		N/A
First Mid Bank	262,644		11.51	%	131,202		> 5.75	148,315		> 6.50
Tier 1 Capital (to average assets)
Company	270,866		9.91	%	109,381		> 4.00	N/A		N/A
First Mid Bank	262,644		9.63	%	109,113		> 4.00	136,392		> 5.00
December 31, 2016
Total Capital (to risk-weighted assets)
Company	$	270,062	12.79	%	$	182,137	> 8.625%	N/A		N/A
First Mid Bank	197,552		12.44	%	137,019		> 8.625	$	158,817	> 10.00%
First Clover Leaf Bank	78,145		15.08	%	44,698		> 8.625	51,824		> 10.00%
Tier 1 Capital (to risk-weighted assets)
Company	253,258		11.99	%	139,903		> 6.625	N/A		N/A
First Mid Bank	180,826		11.39	%	105,247		> 6.625	127,090		> 8.00
First Clover Leaf Bank	78,145		15.08	%	34,333		> 6.625	41,459		> 8.00
Common Equity Tier 1 Capital (to risk-weighted assets)
Company	229,341		10.86	%	108,226		> 5.125	N/A		N/A
First Mid Bank	180,826		11.39	%	81,417		> 5.125	103,261		> 6.50
First Clover Leaf Bank	78,145		15.08	%	26,560		> 5.125	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

The Company's risk-weighted assets, capital and capital ratios for December 31, 2017 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, 2017, the Company and First Mid Bank had capital ratios above the required minimums for regulatory capital adequacy, and First Mid Bank had capital ratios that qualified it for treatment as well-capitalized under the regulatory framework for prompt corrective action with respect to banks. First Clover Leaf Bank merged into First Mid Bank during the first quarter of 2017.