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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 Q3 2013 Q3 Y-Y
Ch (%)
2014 Q2 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,326,375 1,028,971 28.90 1,308,331 5.52
Loans Held for Sale, before Reserves 1,290 399 223.31 942 147.77
Loan Loss Reserve 17,843 17,221 3.61 17,415 9.83
Net Loans Receivable 1,309,822 1,012,149 29.41 1,291,858 5.56
Intangible Assets 30,881 10,994 180.89 31,201 (4.10)
Total Assets 2,172,974 1,837,419 18.26 2,156,665 3.02
Deposits 1,866,864 1,552,281 20.27 1,851,047 3.42
Debt, Senior and Subordinated 104,497 143,596 (27.23) 106,228 (6.52)
Common Equity 181,617 130,766 38.89 177,186 10.00
Total Shareholders' Equity 181,617 130,766 38.89 177,186 10.00
Shares Outstanding (actual) 14,368,413 12,514,138 14.82 14,371,983 (0.10)
Income Statement ($000)
2014 Q3 2013 Q3 Y-Y
Ch (%)
2014 Q2 Q-Q
Ch (%)
Net Interest Income 18,440 14,648 25.89 18,443 (0.07)
Provision for Loan Losses 1,038 846 22.70 1,501 (123.38)
Noninterest Income 3,455 3,248 6.37 3,376 9.36
Noninterest Expense 13,150 9,945 32.23 12,608 17.20
Net Income Before Taxes 7,748 6,707 15.52 7,848 (5.10)
Provision for Taxes 2,200 2,004 9.78 2,231 (5.56)
Net Income 5,548 4,703 17.97 5,617 (4.91)
Per Share Items ($)
2014 Q3 2013 Q3 Y-Y
Ch (%)
2014 Q2 Q-Q
Ch (%)
Book Value per Share 12.64 10.45 20.96 12.33 10.10
Tangible Book Value 10.49 9.57 9.61 10.16 13.12
Diluted EPS Before Extra 0.39 0.38 2.63 0.39 0.00
Diluted EPS After Extra 0.39 0.38 2.63 0.39 0.00
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2014 Q3 2013 Q3 Y-Y
Ch (bp)
2014 Q2 Q-Q
Ch (bp)
ROAA 1.02 1.03 (1) 1.04 (2)
ROAE 12.10 14.45 (235) 12.58 (48)
Net Interest Margin 3.76 3.38 38 3.79 (3)
Loans / Deposits 71.05 66.29 476 70.68 37
Efficiency Ratio 56.97 53.61 337 54.65 232
Balance Sheet Ratios (%)
2014 Q3 2013 Q3 Y-Y
Ch (bp)
2014 Q2 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.04 6.56 48 6.87 17
Equity/ Assets 8.36 7.12 124 8.22 14
Asset Quality Ratios (%)
2014 Q3 2013 Q3 Y-Y
Ch (bp)
2014 Q2 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.55 0.79 (24) 0.62 (7)
Loan Loss Reserves/ Gross Loans 1.34 1.67 (33) 1.33 1
Loan Loss Reserves/ NPAs 92.85 77.05 1,579 85.18 766
Net Charge-offs/ Avg Loans 0.19 (0.35) 53 0.23 (5)
Regulatory Capital Ratios (%)
2014 Q3 2013 Q3 Y-Y
Ch (bp)
2014 Q2 Q-Q
Ch (bp)
Tier 1 Capital Ratio 12.99 13.71 (72) 12.83 16
   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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