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REGULATORY MATTERS (Tables) | 12 Months Ended
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Dec. 31, 2020
REGULATORY MATTERS |
Schedule of capital ratios | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ |  |  |  |  |  |  |  |  |  |  | ​ | 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 | ​
(Dollars In Thousands) |  | ​ | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio | ​
December 31, 2020: |  | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  | ​
Total capital to risk-weighted assets: |  | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  | ​
Consolidated | ​ | $ | 260,015 |  | 17.49 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ | $ | 156,113 |  | ≥1 0.5 | %
C&N Bank | ​ |  | 236,943 |  | 15.98 | % | 118,602 |  | ≥8 | % | 155,665 |  | ≥1 0.5 | % | 148,252 |  | ≥1 0 | % |  | 155,665 |  | ≥1 0.5 | %
Tier 1 capital to risk-weighted assets: | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  |  | ​
Consolidated | ​ |  | 231,577 |  | 15.58 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 126,377 |  | ≥8.5 | %
C&N Bank | ​ |  | 225,058 |  | 15.18 | % | 88,951 |  | ≥6 | % | 126,015 |  | ≥8.5 | % | 118,602 |  | ≥8 | % |  | 126,015 |  | ≥8.5 | %
Common equity tier 1 capital to risk-weighted assets: | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  |  | ​
Consolidated | ​ |  | 231,577 |  | 15.58 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 104,075 |  | ≥7 | %
C&N Bank | ​ |  | 225,058 |  | 15.18 | % | 66,714 |  | ≥4.5 | % | 103,777 |  | ≥7.0 | % | 96,364 |  | ≥6.5 | % |  | 103,777 |  | ≥7 | %
Tier 1 capital to average assets: | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  |  | ​
Consolidated | ​ |  | 231,577 |  | 10.34 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 179,206 |  | ≥8 | %
C&N Bank | ​ |  | 225,058 |  | 10.12 | % | 88,959 |  | ≥4 | % | N/A |  | N/A |  | 111,199 |  | ≥5 | % |  | 177,919 |  | ≥8 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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 |  | ≥1 0.5 | %
C&N Bank | ​ |  | 205,863 |  | 18.75 | % | 87,817 |  | ≥8 | % | 115,260 |  | ≥1 0.5 | % | 109,771 |  | ≥1 0 | % |  | 115,260 |  | ≥1 0.5 | %
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 | %
Schedule of minimum risk-based capital ratios, and the capital ratios including the capital conservation buffer | ​
​ | ​ | ​ | ​
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 | %
Schedule of summary of payout restrictions based on the capital conservation buffer | ​
​ | ​ | ​ | ​
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% | ​

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