Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2012

Actual Capital Amounts and Ratios

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

	December 31, 2012
	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	$	125,770		8.8	%	$	57,137		4.0	%	$	N/A		N/A
MutualBank		132,254		9.3			57,121		4.0			71,401		5.0
Tier 1 Risk-Based Capital Level (2) :
MutualFirst Consolidated	$	125,770		13.2	%	$	38,248		4.0	%	$	57,372		6.0	%
MutualBank		132,254		13.8			38,217		4.0			57,326		6.0
Total Risk-Based Capital Level (3) :
MutualFirst Consolidated	$	137,764		14.4	%	$	76,496		8.0	%	$	95,620		10.0	%
MutualBank		144,247		15.1			76,434		8.0			95,543		10.0

⁽¹⁾ Tier 1 Capital to Average Total Assets of $1.4 billion for the Bank and $1.4 billion for the Company at December 31, 2012

⁽²⁾ Tier 1 Capital to Risk-Weighted Assets of $955.4 million for the Bank and $956.2 million for the Company at December 31, 2012.

⁽³⁾ Total Capital to Risk-Weighted Assets.

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

	December 31, 2011
	Actual					Required for Adequate Capital					To Be Well- Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2011
Total Risk-Based Capital Level	$	130,450		14.3	%	$	72,905		8.0	%	$	91,131		10.0	%
Tier 1 Risk-Based Capital Level		125,782		13.1			36,452		4.0			54,679		6.0
Core Capital (to adjusted total assets)		125,782		9.0			56,200		4.0			70,250		5.0
Core Capital (to adjusted tangible assets)		125,782		9.0			28,100		2.0			N/A		N/A
Tangible Capital (to adjusted total assets)		125,782		9.0			21,075		1.5			N/A		N/A