XML 19 R39.htm IDEA: XBRL DOCUMENT v2.4.1.9
SHAREHOLDERS’ EQUITY AND REGULATORY CAPITAL (Tables)
 12 Months Ended
Dec. 31, 2014
Equity [Abstract]  
Bank's Actual Capital Ratios
As of December 31, 2014 the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since the notification that management believes have changed the Bank’s category.
The Company and the Bank’s actual capital ratios as of December 31, 2014 and December 31, 2013 are also presented in the table. 
 
Actual
 
Minimum Capital
Requirement
 
Minimum to Be Well
Capitalized Under
Prompt Corrective
Action Provisions
(Dollars in thousands)
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk weighted assets
 
 
 
 
 
 
 
 
 
 
 
Orrstown Financial Services, Inc.
$
119,713

 
16.8
%
 
$
56,859

 
8.0
%
 
n/a

 
n/a

Orrstown Bank
118,540

 
16.7
%
 
56,835

 
8.0
%
 
$
71,043

 
10.0
%
Tier 1 capital to risk weighted assets
 
 
 
 
 
 
 
 
 
 
 
Orrstown Financial Services, Inc.
110,750

 
15.6
%
 
28,429

 
4.0
%
 
n/a

 
n/a

Orrstown Bank
109,581

 
15.4
%
 
28,417

 
4.0
%
 
42,626

 
6.0
%
Tier 1 capital to average assets
 
 
 
 
 
 
 
 
 
 
 
Orrstown Financial Services, Inc.
110,750

 
9.5
%
 
46,496

 
4.0
%
 
n/a

 
n/a

Orrstown Bank
109,581

 
9.4
%
 
46,518

 
4.0
%
 
58,148

 
5.0
%
December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk weighted assets
 
 
 
 
 
 
 
 
 
 
 
Orrstown Financial Services, Inc.
$
104,637

 
15.0
%
 
$
55,926

 
8.0
%
 
n/a

 
n/a

Orrstown Bank
102,806

 
14.7
%
 
55,893

 
8.0
%
 
$
69,866

 
10.0
%
Tier 1 capital to risk weighted assets
 
 
 
 
 
 
 
 
 
 
 
Orrstown Financial Services, Inc.
95,741

 
13.7
%
 
27,963

 
4.0
%
 
n/a

 
n/a

Orrstown Bank
93,915

 
13.4
%
 
27,947

 
4.0
%
 
41,920

 
6.0
%
Tier 1 capital to average assets
 
 
 
 
 
 
 
 
 
 
 
Orrstown Financial Services, Inc.
95,741

 
8.1
%
 
47,058

 
4.0
%
 
n/a

 
n/a

Orrstown Bank
93,915

 
8.0
%
 
47,077

 
4.0
%
 
58,846

 
5.0
%