v2.4.0.6
Regulatory Capital (Notes)
 12 Months Ended
Dec. 31, 2012
Statement of Partners' 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 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 agency to ensure capital adequacy require the reporting institutions to maintain a minimum total risk-based capital ratio of 8%, a minimum Tier 1 risk-based capital ratio of 4% and a minimum leverage ratio of 3% for the most highly rated banks that do not expect significant growth.  All other institutions are required to maintain a minimum leverage ratio of 4%.  Management believes that, as of December 31, 2012 and 2011, the Company and First Mid Bank met all capital adequacy requirements.

As of December 31, 2012 and 2011, the most recent notification from the primary regulators categorized First Mid Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios must be maintained as set forth in the table below. At December 31, 2012, there are 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, 2012
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
Company
$
161,799

 
15.65
%
 
$
82,693

 
> 8.00%
 
N/A

 
N/A
First Mid Bank
143,942

 
14.04
%
 
82,047

 
> 8.00
 
$
102,559

 
> 10.00%
Tier 1 Capital (to risk-weighted assets)
 

 
 

 
 

 
 
 
 

 
 
Company
150,023

 
14.51
%
 
41,346

 
> 4.00
 
N/A

 
N/A
First Mid Bank
132,166

 
12.89
%
 
41,024

 
> 4.00
 
61,535

 
> 6.00
Tier 1 Capital (to average assets)
 

 
 

 
 

 
 
 
 

 
 
Company
150,023

 
9.66
%
 
62,093

 
> 4.00
 
N/A

 
N/A
First Mid Bank
132,166

 
8.56
%
 
61,771

 
> 4.00
 
77,213

 
> 5.00
December 31, 2011
 

 
 

 
 

 
 
 
 

 
 
Total Capital (to risk-weighted assets)
 

 
 

 
 

 
 
 
 

 
 
Company
$
145,006

 
14.48
%
 
$
80,093

 
> 8.00%
 
N/A

 
N/A
First Mid Bank
127,386

 
12.83
%
 
79,434

 
> 8.00
 
$
99,292

 
> 10.00%
Tier 1 Capital (to risk-weighted assets)
 

 
 

 
 

 
 
 
 

 
 
Company
133,886

 
13.37
%
 
40,046

 
> 4.00
 
N/A

 
N/A
First Mid Bank
116,266

 
11.71
%
 
39,717

 
> 4.00
 
59,575

 
> 6.00
Tier 1 Capital (to average assets)
 

 
 

 
 

 
 
 
 

 
 
Company
133,886

 
8.99
%
 
59,574

 
> 4.00
 
N/A

 
N/A
First Mid Bank
116,266

 
7.85
%
 
59,228

 
> 4.00
 
74,035

 
> 5.00