XML 155 R46.htm IDEA: XBRL DOCUMENT

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%