XML 155 R46.htm IDEA: XBRL DOCUMENT
v3.19.3.a.u2

Note 18 - Regulatory Matters (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2019
Notes Tables |
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block] |
(Dollars in Thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Minimum To Be Well |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Minimum |  |  | Minimum To Maintain |  |  | Capitalized Under |  |  | Minimum To Meet |
|  |  |  |  |  |  |  |  |  | Capital |  |  | Capital Conservation |  |  | Prompt Corrective |  |  | the Corporation's |
|  | Actual |  |  | Requirement |  |  | Buffer at Reporting Date |  |  | Action Provisions |  |  | Policy Thresholds |
|  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  | Ratio |
December 31, 2019: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital to risk-weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 228,057 |  |  |  | 20.70 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  | $ | 115,689 |  | ≥10.5 | %
C&N Bank |  |  | 205,863 |  |  |  | 18.75 | % |  |  | 87,817 |  |  | ≥8 | % |  |  | 115,260 |  |  | ≥10.5 | % |  |  | 109,771 |  |  | ≥10 | % |  |  | 115,260 |  | ≥10.5 | %
Tier 1 capital to risk-weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 211,388 |  |  |  | 19.19 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | 93,653 |  | ≥8.5 | %
C&N Bank |  |  | 195,694 |  |  |  | 17.83 | % |  |  | 65,863 |  |  | ≥6 | % |  |  | 93,306 |  |  | ≥8.5 | % |  |  | 87,817 |  |  | ≥8 | % |  |  | 93,306 |  | ≥8.5 | %
Common equity tier 1 capital to risk-weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 211,388 |  |  |  | 19.19 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | 77,126 |  | ≥7 | %
C&N Bank |  |  | 195,694 |  |  |  | 17.83 | % |  |  | 49,397 |  |  | ≥4.5 | % |  |  | 76,840 |  |  | ≥7.0 | % |  |  | 71,351 |  |  | ≥6.5 | % |  |  | 76,840 |  | ≥7 | %
Tier 1 capital to average assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 211,388 |  |  |  | 13.10 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | 129,126 |  | ≥8 | %
C&N Bank |  |  | 195,694 |  |  |  | 12.24 | % |  |  | 63,940 |  |  | ≥4 | % |  |  | N/A |  |  |  | N/A |  |  |  | 79,925 |  |  | ≥5 | % |  |  | 127,879 |  | ≥8 | %
December 31, 2018: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital to risk-weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  | $ | 199,226 |  |  |  | 24.42 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  | $ | 85,653 |  | ≥10.5 | %
C&N Bank |  |  | 176,499 |  |  |  | 21.75 | % |  |  | 64,916 |  |  | ≥8 | % |  |  | 80,130 |  |  | ≥9.875 | % |  |  | 81,145 |  |  | ≥10 | % |  |  | 85,202 |  | ≥10.5 | %
Tier 1 capital to risk-weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 189,589 |  |  |  | 23.24 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | 69,338 |  | ≥8.5 | %
C&N Bank |  |  | 166,862 |  |  |  | 20.56 | % |  |  | 48,687 |  |  | ≥6 | % |  |  | 63,901 |  |  | ≥7.875 | % |  |  | 64,916 |  |  | ≥8 | % |  |  | 68,976 |  | ≥8.5 | %
Common equity tier 1 capital to risk-weighted assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 189,589 |  |  |  | 23.24 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | 57,102 |  | ≥7 | %
C&N Bank |  |  | 166,862 |  |  |  | 20.56 | % |  |  | 36,515 |  |  | ≥4.5 | % |  |  | 51,730 |  |  | ≥6.375 | % |  |  | 52,744 |  |  | ≥6.5 | % |  |  | 56,801 |  | ≥7 | %
Tier 1 capital to average assets: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consolidated |  |  | 189,589 |  |  |  | 14.78 | % |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | N/A |  |  |  | 102,634 |  | ≥8 | %
C&N Bank |  |  | 166,862 |  |  |  | 13.16 | % |  |  | 50,715 |  |  | ≥4 | % |  |  | N/A |  |  |  | N/A |  |  |  | 63,394 |  |  | ≥5 | % |  |  | 101,430 |  | ≥8 | %
Regulatory Capital Requirements Under Banking Regulations Transition Schedule for New Ratios [Table Text Block] |
Minimum common equity tier 1 capital ratio |  |  | 4.5% |
Minimum common equity tier 1 capital ratio plus capital conservation buffer |  |  | 7.0% |
Minimum tier 1 capital ratio |  |  | 6.0% |
Minimum tier 1 capital ratio plus capital conservation buffer |  |  | 8.5% |
Minimum total capital ratio |  |  | 8.0% |
Minimum total capital ratio plus capital conservation buffer |  |  | 10.5% |
Regulatory Capital Requirements Payout Restrictions Based on Capital Conservation Buffer [Table Text Block] |
Capital Conservation Buffer |  | Maximum Payout |
(as a % of risk-weighted assets) |  | (as a % of eligible retained income) |
Greater than 2.5% |  | No payout limitation applies |
≤2.5% and >1.875% |  |  | 60% |
≤1.875% and >1.25% |  |  | 40% |
≤1.25% and >0.625% |  |  | 20% |
≤0.625% |  |  | 0% |

X
- Definition Tabular disclosure of regulatory capital requirements payout restrictions based on capital conservation buffer. + References No definition available. + Details
Name: | cznc_RegulatoryCapitalRequirementsPayoutRestrictionsBasedOnCapitalConservationBufferTableTextBlock
Namespace Prefix: | cznc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition The tabular disclosure of the transition of ratios to be in compliance with regulatory capital requirements. + References No definition available. + Details
Name: | cznc_RegulatoryCapitalRequirementsUnderBankingRegulationsTransitionScheduleForNewRatiosTableTextBlock
Namespace Prefix: | cznc_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958577-112826 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=117337116&loc=d3e65071-112826 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=117337116&loc=SL5958570-112826 + Details
Name: | us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_TableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration