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Financial Highlights

CNB FINANCIAL CORPORATION (NASDAQ - CCNE) 
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
2019Y 2018Y 2019/
2018
Ch (%)
2017Y 2018/
2017
Ch (%)
Loans Held for Investment, before Reserves 2,804,035 2,474,557 13.31 2,145,959 15.31
Loans Held for Sale, before Reserves 930 367 153.41 852 (56.92)
Loan Loss Reserve 19,473 19,704 (1.17) 19,693 0.06
Net Loans Receivable 2,785,492 2,455,220 13.45 2,127,118 15.42
Intangible Assets 38,890 39,457 (1.44) 40,355 (2.23)
Total Assets 3,763,659 3,221,521 16.83 2,768,773 16.35
Deposits 3,102,327 2,610,786 18.83 2,167,815 20.43
Debt, Senior and Subordinated 318,519 315,737 0.88 327,979 (3.73)
Common Equity 304,966 262,830 16.03 243,910 7.76
Total Shareholders' Equity 304,966 262,830 16.03 243,910 7.76
Shares Outstanding (actual) 15,247,985 15,207,281 0.27 15,264,740 (0.38)
Income Statement ($000)
2019Y 2018Y 2019/
2018
Ch (%)
2017Y 2018/
2017
Ch (%)
Net Interest Income 116,198 104,920 10.75 91,509 14.66
Provision for Loan Losses 6,024 6,072 (0.79) 6,655 (8.76)
Noninterest Income 24,987 20,413 22.41 18,761 8.81
Noninterest Expense 86,961 79,032 10.03 69,829 13.18
Net Income Before Taxes 48,641 40,229 20.91 36,252 10.97
Provision for Taxes 8,560 6,510 31.49 12,392 (47.47)
Net Income 40,081 33,719 18.87 23,860 41.32
Per Share Items ($)
2019Y 2018Y 2019/
2018
Ch (%)
2017Y 2018/
2017
Ch (%)
Book Value per Share 20.00 17.28 15.72 15.98 8.16
Tangible Book Value 17.45 14.69 18.80 13.33 10.15
Diluted EPS Before Extra 2.63 2.21 19.00 1.57 40.76
Diluted EPS After Extra 2.63 2.21 19.00 1.57 40.76
Dividends Declared 0.6800 0.6700 1.49 0.6600 1.52
Performance Ratios (%)
2019Y 2018Y 2019/
2018
Ch (bp)
2017Y 2018/
2017
Ch (bp)
ROAA 1.17 1.12 5 0.89 23
ROAE 14.05 13.46 59 9.97 349
Net Interest Margin 3.69 3.77 (8) 3.85 (8)
Loans / Deposits 90.38 94.78 (440) 98.99 (421)
Efficiency Ratio 60.19 61.37 (118) 60.31 106
Balance Sheet Ratios (%)
2019Y 2018Y 2019/
2018
Ch (bp)
2017Y 2018/
2017
Ch (bp)
Tangible Equity/ Tangible Assets 7.14 7.02 12 7.46 (44)
Equity/ Assets 8.10 8.16 (6) 8.81 (65)
Asset Quality Ratios (%)
2019Y 2018Y 2019/
2018
Ch (bp)
2017Y 2018/
2017
Ch (bp)
Nonperforming Assets/ Assets 0.62 0.48 14 0.72 (24)
Loan Loss Reserves/ Gross Loans 0.69 0.80 (10) 0.92 (12)
Loan Loss Reserves/ NPAs 66.93 87.72 (2,079) 71.41 1,630
Net Charge-offs/ Avg Loans 0.24 0.26 (2) 0.16 10
Regulatory Capital Ratios (%)
2019Y 2018Y 2019/
2018
Ch (bp)
2017Y 2018/
2017
Ch (bp)
Tier 1 Capital Ratio 10.03 10.33 (30) 10.97 (64)

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