Restriction on Cash and Due From Banks

12 Months Ended

Dec. 31, 2011

Cash and Cash Equivalents [Abstract]

Restriction on Cash and Due From Banks

Note 2:  Restriction on Cash and Due From Banks

The Bank is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2011 was $1,450,000.

Effective July 21, 2010, the FDIC’s insurance limits were permanently increased to $250,000. At December 31, 2011, the Company’s interest-bearing cash accounts do not exceed federally insured limits. Additionally, approximately $17,245,000 and $1,562,000 of cash is held by the Federal Reserve Bank of Chicago and the FHLB of Indianapolis, respectively, which is not federally insured.