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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)
2016 Q2 2015 Q2 Y-Y
Ch (%)
2016 Q1 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,655,844 1,451,464 14.08 1,606,308 12.34
Loans Held for Sale, before Reserves 863 2,271 (62.00) 544 234.56
Loan Loss Reserve 15,988 17,504 (8.66) 16,738 (17.92)
Net Loans Receivable 1,640,719 1,436,231 14.24 1,590,114 12.73
Intangible Assets 29,158 30,083 (3.07) 29,374 (2.94)
Total Assets 2,336,392 2,253,789 3.67 2,301,001 6.15
Deposits 1,890,595 1,862,748 1.49 1,890,211 0.08
Debt, Senior and Subordinated 206,273 172,264 19.74 176,770 66.76
Common Equity 210,938 192,737 9.44 208,156 5.35
Total Shareholders' Equity 210,938 192,737 9.44 208,156 5.35
Shares Outstanding (actual) 14,462,007 14,404,466 0.40 14,457,955 0.11
Income Statement ($000)
2016 Q2 2015 Q2 Y-Y
Ch (%)
2016 Q1 Q-Q
Ch (%)
Net Interest Income 19,403 18,151 6.90 18,942 9.73
Provision for Loan Losses 220 486 (54.73) 1,196 (326.42)
Noninterest Income 3,365 3,669 (8.29) 3,143 28.25
Noninterest Expense 15,125 14,121 7.11 14,071 29.96
Net Income Before Taxes 5,249 7,685 (31.70) 6,709 (87.05)
Provision for Taxes 1,184 2,083 (43.16) 1,690 (119.76)
Net Income 4,065 5,602 (27.44) 5,019 (76.03)
Per Share Items ($)
2016 Q2 2015 Q2 Y-Y
Ch (%)
2016 Q1 Q-Q
Ch (%)
Book Value per Share 14.59 13.38 9.01 14.40 5.23
Tangible Book Value 12.57 11.29 11.31 12.37 6.59
Diluted EPS Before Extra 0.28 0.39 (28.21) 0.35 (80.00)
Diluted EPS After Extra 0.28 0.39 (28.21) 0.35 (80.00)
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2016 Q2 2015 Q2 Y-Y
Ch (bp)
2016 Q1 Q-Q
Ch (bp)
ROAA 0.70 1.00 (30) 0.87 (17)
ROAE 7.72 11.48 (376) 9.65 (193)
Net Interest Margin 3.73 3.62 11 3.67 6
Loans / Deposits 87.58 77.92 966 84.98 260
Efficiency Ratio 63.19 61.58 161 60.72 246
Balance Sheet Ratios (%)
2016 Q2 2015 Q2 Y-Y
Ch (bp)
2016 Q1 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.88 7.31 56 7.87 1
Equity/ Assets 9.03 8.55 48 9.05 (2)
Asset Quality Ratios (%)
2016 Q2 2015 Q2 Y-Y
Ch (bp)
2016 Q1 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.54 0.58 (4) 0.57 (3)
Loan Loss Reserves/ Gross Loans 0.97 1.20 (24) 1.04 (8)
Loan Loss Reserves/ NPAs 74.65 72.44 221 75.27 (62)
Net Charge-offs/ Avg Loans 0.24 0.19 5 0.30 (6)
Regulatory Capital Ratios (%)
2016 Q2 2015 Q2 Y-Y
Ch (bp)
2016 Q1 Q-Q
Ch (bp)
Tier 1 Capital Ratio NA NA NA NA NA
   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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