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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)
2015 Q1 2014 Q1 Y-Y
Ch (%)
2014 Q4 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,356,126 1,294,096 4.79 1,355,289 0.25
Loans Held for Sale, before Reserves 1,661 329 404.86 887 349.04
Loan Loss Reserve 17,682 16,674 6.05 17,373 7.11
Net Loans Receivable 1,340,105 1,277,751 4.88 1,338,803 0.39
Intangible Assets 30,338 31,509 (3.72) 30,614 (3.61)
Total Assets 2,180,140 2,134,061 2.16 2,189,213 (1.66)
Deposits 1,867,381 1,828,658 2.12 1,847,079 4.40
Debt, Senior and Subordinated 96,272 111,769 (13.87) 132,315 (108.96)
Common Equity 195,882 172,281 13.70 188,548 15.56
Total Shareholders' Equity 195,882 172,281 13.70 188,548 15.56
Shares Outstanding (actual) 14,402,362 14,464,842 (0.43) 14,404,416 (0.06)
Income Statement ($000)
2015 Q1 2014 Q1 Y-Y
Ch (%)
2014 Q4 Q-Q
Ch (%)
Net Interest Income 18,590 18,280 1.70 19,432 (17.33)
Provision for Loan Losses 943 1,019 (7.46) 282 937.59
Noninterest Income 3,078 3,139 (1.94) 3,922 (86.08)
Noninterest Expense 13,093 13,261 (1.27) 13,669 (16.86)
Net Income Before Taxes 7,651 7,205 6.19 9,587 (80.78)
Provision for Taxes 2,086 2,039 2.31 2,844 (106.61)
Net Income 5,565 5,166 7.72 6,743 (69.88)
Per Share Items ($)
2015 Q1 2014 Q1 Y-Y
Ch (%)
2014 Q4 Q-Q
Ch (%)
Book Value per Share 13.60 11.91 14.19 13.09 15.62
Tangible Book Value 11.49 9.73 18.11 10.96 19.33
Diluted EPS Before Extra 0.39 0.36 8.33 0.47 (68.09)
Diluted EPS After Extra 0.39 0.36 8.33 0.47 (68.09)
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2015 Q1 2014 Q1 Y-Y
Ch (bp)
2014 Q4 Q-Q
Ch (bp)
ROAA 1.02 0.97 5 1.23 (21)
ROAE 11.47 11.97 (50) 14.31 (284)
Net Interest Margin 3.82 3.78 4 3.94 (12)
Loans / Deposits 72.62 70.77 185 73.37 (75)
Efficiency Ratio 57.25 58.80 (155) 55.67 158
Balance Sheet Ratios (%)
2015 Q1 2014 Q1 Y-Y
Ch (bp)
2014 Q4 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.70 6.70 101 7.32 38
Equity/ Assets 8.98 8.07 91 8.61 37
Asset Quality Ratios (%)
2015 Q1 2014 Q1 Y-Y
Ch (bp)
2014 Q4 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.47 0.62 (15) 0.47 0
Loan Loss Reserves/ Gross Loans 1.30 1.29 1 1.28 2
Loan Loss Reserves/ NPAs 69.80 81.00 (1,121) 70.15 (35)
Net Charge-offs/ Avg Loans 0.19 0.18 1 0.22 (4)
Regulatory Capital Ratios (%)
2015 Q1 2014 Q1 Y-Y
Ch (bp)
2014 Q4 Q-Q
Ch (bp)
Tier 1 Capital Ratio 12.84 12.75 9 13.06 (22)
   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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