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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)
2017 Q2 2016 Q2 Y-Y
Ch (%)
2017 Q1 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 2,020,829 1,655,844 22.04 1,908,951 23.44
Loans Held for Sale, before Reserves 1,652 863 91.43 9,156 (327.83)
Loan Loss Reserve 17,269 15,988 8.01 16,546 17.48
Net Loans Receivable 2,005,212 1,640,719 22.22 1,901,561 21.80
Intangible Assets 40,922 29,158 40.35 41,253 (3.21)
Total Assets 2,678,909 2,336,392 14.66 2,592,307 13.36
Deposits 2,076,789 1,890,595 9.85 2,025,479 10.13
Debt, Senior and Subordinated 333,560 206,273 61.71 299,699 45.19
Common Equity 240,292 210,938 13.92 234,218 10.37
Total Shareholders' Equity 240,292 210,938 13.92 234,218 10.37
Shares Outstanding (actual) 15,285,371 14,462,007 5.69 15,297,225 (0.31)
Income Statement ($000)
2017 Q2 2016 Q2 Y-Y
Ch (%)
2017 Q1 Q-Q
Ch (%)
Net Interest Income 22,989 19,403 18.48 21,202 33.71
Provision for Loan Losses 1,134 220 415.45 1,016 46.46
Noninterest Income 4,195 3,753 11.78 4,390 (17.77)
Noninterest Expense 17,797 15,513 14.72 17,034 17.92
Net Income Before Taxes 9,147 5,249 74.26 8,925 9.95
Provision for Taxes 2,464 1,184 108.11 2,445 3.11
Net Income 6,683 4,065 64.40 6,480 12.53
Per Share Items ($)
2017 Q2 2016 Q2 Y-Y
Ch (%)
2017 Q1 Q-Q
Ch (%)
Book Value per Share 15.72 14.59 7.78 15.31 10.69
Tangible Book Value 13.04 12.57 3.77 12.61 13.60
Diluted EPS Before Extra 0.44 0.28 57.14 0.43 9.30
Diluted EPS After Extra 0.44 0.28 57.14 0.43 9.30
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2017 Q2 2016 Q2 Y-Y
Ch (bp)
2017 Q1 Q-Q
Ch (bp)
ROAA 1.01 0.70 31 1.00 1
ROAE 11.17 7.72 345 11.39 (22)
Net Interest Margin 3.87 3.73 14 3.67 20
Loans / Deposits 97.31 87.58 972 94.25 306
Efficiency Ratio 62.39 63.78 (139) 63.34 (94)
Balance Sheet Ratios (%)
2017 Q2 2016 Q2 Y-Y
Ch (bp)
2017 Q1 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.56 7.88 (32) 7.56 (1)
Equity/ Assets 8.97 9.03 (6) 9.04 (7)
Asset Quality Ratios (%)
2017 Q2 2016 Q2 Y-Y
Ch (bp)
2017 Q1 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.79 0.54 25 0.83 (4)
Loan Loss Reserves/ Gross Loans 0.85 0.97 (11) 0.86 (1)
Loan Loss Reserves/ NPAs NA 74.65 NA 57.97 NA
Net Charge-offs/ Avg Loans 0.08 0.24 (15) 0.17 (9)
Regulatory Capital Ratios (%)
2017 Q2 2016 Q2 Y-Y
Ch (bp)
2017 Q1 Q-Q
Ch (bp)
Tier 1 Capital Ratio 11.29 11.98 (69) 11.58 (29)
   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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