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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)
2020 Q1 2019 Q1 Y-Y
Ch (%)
2019 Q4 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 2,850,660 2,526,090 12.85 2,804,035 6.65
Loans Held for Sale, before Reserves 1,815 2,952 (38.52) 930 380.65
Loan Loss Reserve 21,915 20,346 7.71 19,473 50.16
Net Loans Receivable 2,830,560 2,508,696 12.83 2,785,492 6.47
Intangible Assets 38,807 39,292 (1.23) 38,890 (0.85)
Total Assets 3,779,138 3,287,324 14.96 3,763,659 1.65
Deposits 3,100,216 2,657,359 16.67 3,102,327 (0.27)
Debt, Senior and Subordinated 316,348 328,419 (3.68) 318,519 (2.73)
Common Equity 324,802 274,959 18.13 304,966 26.02
Total Shareholders' Equity 324,802 274,959 18.13 304,966 26.02
Shares Outstanding (actual) 15,396,617 15,239,371 1.03 15,247,985 3.90
Income Statement ($000)
2020 Q1 2019 Q1 Y-Y
Ch (%)
2019 Q4 Q-Q
Ch (%)
Net Interest Income 29,994 27,758 8.06 29,745 3.35
Provision for Loan Losses 3,079 1,306 135.76 812 1,116.75
Noninterest Income 5,364 6,006 (10.69) 6,730 (81.19)
Noninterest Expense 21,670 21,176 2.33 22,711 (18.33)
Net Income Before Taxes 10,537 11,430 (7.81) 12,782 (70.26)
Provision for Taxes 1,724 1,957 (11.91) 2,298 (99.91)
Net Income 8,813 9,473 (6.97) 10,484 (63.75)
Per Share Items ($)
2020 Q1 2019 Q1 Y-Y
Ch (%)
2019 Q4 Q-Q
Ch (%)
Book Value per Share 21.10 18.04 16.92 20.00 21.90
Tangible Book Value 18.58 15.46 20.12 17.45 25.79
Diluted EPS Before Extra 0.57 0.62 (8.06) 0.69 (69.57)
Diluted EPS After Extra 0.57 0.62 (8.06) 0.69 (69.57)
Dividends Declared 0.1700 0.1700 0.00 0.1700 0.00
Performance Ratios (%)
2020 Q1 2019 Q1 Y-Y
Ch (bp)
2019 Q4 Q-Q
Ch (bp)
ROAA 0.95 1.18 (23) 1.15 (20)
ROAE 11.32 14.37 (305) 13.79 (247)
Net Interest Margin 3.49 3.76 (27) 3.54 (5)
Loans / Deposits 91.95 95.06 (311) 90.38 157
Efficiency Ratio 60.34 60.85 (51) 61.52 (118)
Balance Sheet Ratios (%)
2020 Q1 2019 Q1 Y-Y
Ch (bp)
2019 Q4 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.65 7.26 39 7.14 50
Equity/ Assets 8.59 8.36 23 8.10 49
Asset Quality Ratios (%)
2020 Q1 2019 Q1 Y-Y
Ch (bp)
2019 Q4 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.89 0.48 41 0.62 27
Loan Loss Reserves/ Gross Loans 0.77 0.80 (4) 0.69 7
Loan Loss Reserves/ NPAs 56.08 90.09 (3,401) 66.93 (1,085)
Net Charge-offs/ Avg Loans 0.09 0.11 (2) 0.22 (13)
Regulatory Capital Ratios (%)
2020 Q1 2019 Q1 Y-Y
Ch (bp)
2019 Q4 Q-Q
Ch (bp)
Tier 1 Capital Ratio 10.15 10.35 (20) 10.03 12
   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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