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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)
2018 Q1 2017 Q1 Y-Y
Ch (%)
2017 Q4 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 2,276,124 1,908,951 19.23 2,145,959 24.26
Loans Held for Sale, before Reserves 1,460 9,156 (84.05) 852 285.45
Loan Loss Reserve 20,756 16,546 25.44 19,693 21.59
Net Loans Receivable 2,256,828 1,901,561 18.68 2,127,118 24.39
Intangible Assets 40,107 41,253 (2.78) 40,355 (2.46)
Total Assets 2,908,883 2,592,307 12.21 2,768,773 20.24
Deposits 2,210,055 2,025,479 9.11 2,167,815 7.79
Debt, Senior and Subordinated 427,018 299,699 42.48 327,979 120.79
Common Equity 244,811 234,218 4.52 243,910 1.48
Total Shareholders' Equity 244,811 234,218 4.52 243,910 1.48
Shares Outstanding (actual) 15,285,639 15,297,225 (0.08) 15,264,740 0.55
Income Statement ($000)
2018 Q1 2017 Q1 Y-Y
Ch (%)
2017 Q4 Q-Q
Ch (%)
Net Interest Income 24,100 21,202 13.67 23,801 5.02
Provision for Loan Losses 1,631 1,016 60.53 3,105 (189.89)
Noninterest Income 4,751 4,390 8.22 5,455 (51.62)
Noninterest Expense 18,999 17,034 11.54 17,588 32.09
Net Income Before Taxes 8,221 8,925 (7.89) 8,649 (19.79)
Provision for Taxes 1,124 2,445 (54.03) 5,198 (313.51)
Net Income 7,097 6,480 9.52 3,451 422.60
Per Share Items ($)
2018 Q1 2017 Q1 Y-Y
Ch (%)
2017 Q4 Q-Q
Ch (%)
Book Value per Share 16.02 15.31 4.60 15.98 0.93
Tangible Book Value 13.39 12.61 6.16 13.33 1.71
Diluted EPS Before Extra 0.46 0.43 6.98 0.23 400.00
Diluted EPS After Extra 0.46 0.43 6.98 0.23 400.00
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2018 Q1 2017 Q1 Y-Y
Ch (bp)
2017 Q4 Q-Q
Ch (bp)
ROAA 1.00 1.00 0 0.50 50
ROAE 11.61 11.39 22 5.61 600
Net Interest Margin 3.72 3.67 5 3.81 (9)
Loans / Deposits 102.99 94.25 874 98.99 400
Efficiency Ratio 64.99 63.34 166 57.64 736
Balance Sheet Ratios (%)
2018 Q1 2017 Q1 Y-Y
Ch (bp)
2017 Q4 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.14 7.56 (43) 7.46 (32)
Equity/ Assets 8.42 9.04 (62) 8.81 (39)
Asset Quality Ratios (%)
2018 Q1 2017 Q1 Y-Y
Ch (bp)
2017 Q4 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.70 0.83 (13) 0.74 (4)
Loan Loss Reserves/ Gross Loans 0.91 0.86 5 0.92 (1)
Loan Loss Reserves/ NPAs NA 57.97 NA 71.41 NA
Net Charge-offs/ Avg Loans 0.10 0.17 (7) 0.24 (13)
Regulatory Capital Ratios (%)
2018 Q1 2017 Q1 Y-Y
Ch (bp)
2017 Q4 Q-Q
Ch (bp)
Tier 1 Capital Ratio 10.48 11.58 (110) 10.97 (49)
   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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