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REGULATORY MATTERS (Tables)

12 Months Ended

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		≥10.5	%
C&N Bank			236,943		15.98	%	118,602		≥8	%	155,665		≥10.5	%	148,252		≥10	%		155,665		≥10.5	%
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		≥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	%

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%