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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 Q1 2015 Q1 Y-Y
Ch (%)
2015 Q4 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,606,308 1,356,126 18.45 1,577,798 7.23
Loans Held for Sale, before Reserves 544 1,661 (67.25) 1,381 (242.43)
Loan Loss Reserve 16,738 17,682 (5.34) 16,737 0.02
Net Loans Receivable 1,590,114 1,340,105 18.66 1,562,442 7.08
Intangible Assets 29,374 30,348 (3.21) 29,589 (2.91)
Total Assets 2,301,001 2,180,140 5.54 2,285,136 2.78
Deposits 1,890,211 1,867,381 1.22 1,815,053 16.56
Debt, Senior and Subordinated 176,770 96,272 83.62 241,135 (106.77)
Common Equity 208,156 195,882 6.27 201,913 12.37
Total Shareholders' Equity 208,156 195,882 6.27 201,913 12.37
Shares Outstanding (actual) 14,457,955 14,402,362 0.39 14,408,430 1.37
Income Statement ($000)
2016 Q1 2015 Q1 Y-Y
Ch (%)
2015 Q4 Q-Q
Ch (%)
Net Interest Income 18,942 18,590 1.89 18,928 0.30
Provision for Loan Losses 1,196 943 26.83 668 316.17
Noninterest Income 3,143 3,078 2.11 4,044 (89.12)
Noninterest Expense 14,138 13,093 7.98 14,508 (10.20)
Net Income Before Taxes 6,709 7,651 (12.31) 7,590 (46.43)
Provision for Taxes 1,690 2,086 (18.98) 2,082 (75.31)
Net Income 5,019 5,565 (9.81) 5,508 (35.51)
Per Share Items ($)
2016 Q1 2015 Q1 Y-Y
Ch (%)
2015 Q4 Q-Q
Ch (%)
Book Value per Share 14.40 13.60 5.86 14.01 10.96
Tangible Book Value 12.37 11.49 7.59 11.96 13.57
Diluted EPS Before Extra 0.35 0.39 (10.26) 0.38 (31.58)
Diluted EPS After Extra 0.35 0.39 (10.26) 0.38 (31.58)
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2016 Q1 2015 Q1 Y-Y
Ch (bp)
2015 Q4 Q-Q
Ch (bp)
ROAA 0.87 1.02 (15) 0.97 (10)
ROAE 9.65 11.47 (182) 10.90 (125)
Net Interest Margin 3.67 3.82 (15) 3.73 (6)
Loans / Deposits 84.98 72.62 1,236 86.93 (195)
Efficiency Ratio 61.02 57.22 379 60.31 70
Balance Sheet Ratios (%)
2016 Q1 2015 Q1 Y-Y
Ch (bp)
2015 Q4 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.87 7.70 17 7.64 23
Equity/ Assets 9.05 8.98 6 8.84 21
Asset Quality Ratios (%)
2016 Q1 2015 Q1 Y-Y
Ch (bp)
2015 Q4 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.57 0.47 10 0.57 0
Loan Loss Reserves/ Gross Loans 1.04 1.30 (26) 1.06 (2)
Loan Loss Reserves/ NPAs 75.27 69.80 547 75.67 (40)
Net Charge-offs/ Avg Loans 0.30 0.19 11 0.30 0
Regulatory Capital Ratios (%)
2016 Q1 2015 Q1 Y-Y
Ch (bp)
2015 Q4 Q-Q
Ch (bp)
Tier 1 Capital Ratio NA 12.84 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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