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Financial Highlights

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

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Balance Sheet ($000)
2014 Q4 2013 Q4 Y-Y
Ch (%)
2014 Q3 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,355,289 1,295,363 4.63 1,326,375 8.72
Loans Held for Sale, before Reserves 887 487 82.14 1,290 (124.96)
Loan Loss Reserve 17,373 16,234 7.02 17,843 (10.54)
Net Loans Receivable 1,338,803 1,279,616 4.63 1,309,822 8.85
Intangible Assets 30,614 31,819 (3.79) 30,881 (3.46)
Total Assets 2,189,213 2,131,289 2.72 2,172,974 2.99
Deposits 1,847,079 1,835,314 0.64 1,866,864 (4.24)
Debt, Senior and Subordinated 132,315 108,570 21.87 104,497 106.48
Common Equity 188,548 164,911 14.33 181,617 15.27
Total Shareholders' Equity 188,548 164,911 14.33 181,617 15.27
Shares Outstanding (actual) 14,404,416 14,427,780 (0.16) 14,368,413 1.00
Income Statement ($000)
2014 Q4 2013 Q4 Y-Y
Ch (%)
2014 Q3 Q-Q
Ch (%)
Net Interest Income 19,432 17,279 12.46 18,440 21.52
Provision for Loan Losses 282 1,247 (77.39) 1,038 (291.33)
Noninterest Income 3,922 3,649 7.48 3,455 54.07
Noninterest Expense 13,669 11,928 14.60 13,150 15.79
Net Income Before Taxes 9,587 6,713 42.81 7,748 94.94
Provision for Taxes 2,844 1,985 43.27 2,200 117.09
Net Income 6,743 4,728 42.62 5,548 86.16
Per Share Items ($)
2014 Q4 2013 Q4 Y-Y
Ch (%)
2014 Q3 Q-Q
Ch (%)
Book Value per Share 13.09 11.43 14.52 12.64 14.23
Tangible Book Value 10.96 9.22 18.86 10.49 18.05
Diluted EPS Before Extra 0.47 0.33 42.42 0.39 82.05
Diluted EPS After Extra 0.47 0.33 42.42 0.39 82.05
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2014 Q4 2013 Q4 Y-Y
Ch (bp)
2014 Q3 Q-Q
Ch (bp)
ROAA 1.23 0.89 34 1.02 21
ROAE 14.31 11.29 302 12.10 221
Net Interest Margin 3.94 3.70 24 3.76 18
Loans / Deposits 73.37 70.58 279 71.05 233
Efficiency Ratio 55.67 54.11 156 56.97 (131)
Balance Sheet Ratios (%)
2014 Q4 2013 Q4 Y-Y
Ch (bp)
2014 Q3 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.32 6.34 98 7.04 28
Equity/ Assets 8.61 7.74 87 8.36 25
Asset Quality Ratios (%)
2014 Q4 2013 Q4 Y-Y
Ch (bp)
2014 Q3 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.47 0.61 (14) 0.55 (8)
Loan Loss Reserves/ Gross Loans 1.28 1.25 3 1.34 (6)
Loan Loss Reserves/ NPAs 70.15 78.94 (879) 92.85 (2,270)
Net Charge-offs/ Avg Loans 0.22 0.77 (54) 0.19 4
Regulatory Capital Ratios (%)
2014 Q4 2013 Q4 Y-Y
Ch (bp)
2014 Q3 Q-Q
Ch (bp)
Tier 1 Capital Ratio 13.05 12.51 54 12.99 6
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  *  Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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