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REGULATORY MATTERS (Tables) | 12 Months Ended
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Dec. 31, 2022
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, 2022: |  | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  | ​
Total capital to risk-weighted assets: |  | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  | ​
Consolidated | ​ | $ | 285,397 |  | 15.72 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ | $ | 190,590 |  | ³10.5 | %
C&N Bank | ​ |  | 265,784 |  | 14.68 | % | 144,873 |  | ³8 | % | 190,145 |  | ³10.5 | % | 181,091 |  | ³10 | % |  | 190,145 |  | ³10.5 | %
Tier 1 capital to risk-weighted assets: | ​ |  | ​ |  |  |  | ​ |  |  |  | ​ |  |  |  | ​ |  |  | ​ |  | ​ |  |  | ​
Consolidated | ​ |  | 243,750 |  | 13.43 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 154,287 |  | ³8.5 | %
C&N Bank | ​ |  | 248,744 |  | 13.74 | % | 108,654 |  | ³6 | % | 153,927 |  | ³8.5 | % | 144,873 |  | ³8 | % |  | 153,927 |  | ³8.5 | %
Common equity tier 1 capital to risk-weighted assets: | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  |  | ​
Consolidated | ​ |  | 243,750 |  | 13.43 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 127,060 |  | ³7 | %
C&N Bank | ​ |  | 248,744 |  | 13.74 | % | 81,491 |  | ³4.5 | % | 126,764 |  | ³7.0 | % | 117,709 |  | ³6.5 | % |  | 126,764 |  | ³7 | %
Tier 1 capital to average assets: | ​ |  | ​ |  |  |  | ​ |  |  |  |  |  |  |  | ​ |  |  | ​ |  | ​ |  |  | ​
Consolidated | ​ |  | 243,750 |  | 10.11 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 192,941 |  | ³8 | %
C&N Bank | ​ |  | 248,744 |  | 10.38 | % | 95,826 |  | ³4 | % | N/A |  | N/A |  | 119,783 |  | ³5 | % |  | 191,652 |  | ³8 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2021: | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  |  | ​
Total capital to risk-weighted assets: | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  |  | ​
Consolidated | ​ | $ | 287,614 |  | 18.21 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ | $ | 165,846 |  | ³10.5 | %
C&N Bank | ​ |  | 252,606 |  | 16.04 | % | 126,012 |  | ³8 | % | 165,390 |  | ³10.5 | % | 157,514 |  | ³10 | % |  | 165,390 |  | ³10.5 | %
Tier 1 capital to risk-weighted assets: | ​ |  | ​ |  |  |  | ​ |  |  |  | ​ |  |  |  | ​ |  |  | ​ |  | ​ |  |  | ​
Consolidated | ​ |  | 240,433 |  | 15.22 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 134,256 |  | ³8.5 | %
C&N Bank | ​ |  | 238,434 |  | 15.14 | % | 94,509 |  | ³6 | % | 133,887 |  | ³8.5 | % | 126,012 |  | ³8 | % |  | 133,887 |  | ³8.5 | %
Common equity tier 1 capital to risk-weighted assets: | ​ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ​ |  |  |  |  | ​
Consolidated | ​ |  | 240,433 |  | 15.22 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 110,564 |  | ³7 | %
C&N Bank | ​ |  | 238,434 |  | 15.14 | % | 70,881 |  | ³4.5 | % | 110,260 |  | ³7.0 | % | 102,384 |  | ³6.5 | % |  | 110,260 |  | ³7 | %
Tier 1 capital to average assets: | ​ |  | ​ |  |  |  | ​ |  |  |  |  |  |  |  | ​ |  |  | ​ |  | ​ |  |  | ​
Consolidated | ​ |  | 240,433 |  | 10.53 | % | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A | ​ |  | 182,683 |  | ³8 | %
C&N Bank | ​ |  | 238,434 |  | 10.52 | % | 90,688 |  | ³4 | % | N/A |  | N/A |  | 113,360 |  | ³5 | % |  | 181,376 |  | ³8 | %
​
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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