Index: ckeditor.module
===================================================================
--- ckeditor.module	(revision 121)
+++ ckeditor.module	(working copy)
@@ -238,7 +238,12 @@
             $element['summary'] = ckeditor_load_by_field($element['summary'], $element['format']['format'], FALSE);
         }
         else {
+          if (isset($element['format'])) {
             $element['value'] = ckeditor_load_by_field($element['value'], $element['format']['format']);
+          }
+          else {
+            return $element;
+          }
         }
     }
     else {