Regulatory Capital (Notes)

12 Months Ended

Dec. 31, 2014

Regulatory Capital Requirements [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, 2014 and 2013, the Company and First Mid Bank met all capital adequacy requirements.

As of December 31, 2014 and 2013, 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, 2014, 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, 2014
Total Capital (to risk-weighted assets)
Company	$	180,678	15.60	%	$	92,675	> 8.00%	N/A		N/A
First Mid Bank	172,991		15.02	%	92,110		> 8.00	$	115,137	> 10.00%
Tier 1 Capital (to risk-weighted assets)
Company	166,996		14.42	%	46,338		> 4.00	N/A		N/A
First Mid Bank	159,309		13.84	%	46,055		> 4.00	69,082		> 6.00
Tier 1 Capital (to average assets)
Company	166,996		10.52	%	63,493		> 4.00	N/A		N/A
First Mid Bank	159,309		10.08	%	63,210		> 4.00	79,012		> 5.00
December 31, 2013
Total Capital (to risk-weighted assets)
Company	$	170,344	15.58	%	$	87,472	> 8.00%	N/A		N/A
First Mid Bank	161,650		14.89	%	86,830		> 8.00	$	108,538	> 10.00%
Tier 1 Capital (to risk-weighted assets)
Company	157,095		14.37	%	43,736		> 4.00	N/A		N/A
First Mid Bank	148,401		13.67	%	43,415		> 4.00	65,123		> 6.00
Tier 1 Capital (to average assets)
Company	157,095		10.12	%	62,069		> 4.00	N/A		N/A
First Mid Bank	148,401		9.62	%	61,737		> 4.00	77,171		> 5.00