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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 Q4 2014 Q4 Y-Y
Ch (%)
2015 Q3 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,577,798 1,355,289 16.42 1,516,121 16.27
Loans Held for Sale, before Reserves 1,381 887 55.69 551 602.54
Loan Loss Reserve 16,737 17,373 (3.66) 17,236 (11.58)
Net Loans Receivable 1,562,442 1,338,803 16.70 1,499,436 16.81
Intangible Assets 29,589 30,614 (3.35) 29,820 (3.10)
Total Assets 2,285,136 2,189,213 4.38 2,259,722 4.50
Deposits 1,815,053 1,847,079 (1.73) 1,847,692 (7.07)
Debt, Senior and Subordinated 241,135 132,315 82.24 186,650 116.76
Common Equity 201,913 188,548 7.09 199,851 4.13
Total Shareholders' Equity 201,913 188,548 7.09 199,851 4.13
Shares Outstanding (actual) 14,407,980 14,404,416 0.02 14,406,481 0.04
Income Statement ($000)
2015 Q4 2014 Q4 Y-Y
Ch (%)
2015 Q3 Q-Q
Ch (%)
Net Interest Income 18,928 19,432 (2.59) 19,038 (2.31)
Provision for Loan Losses 668 282 136.88 463 177.11
Noninterest Income 4,044 3,922 3.11 3,342 84.02
Noninterest Expense 14,508 13,669 6.14 14,427 2.25
Net Income Before Taxes 7,590 9,587 (20.83) 7,563 1.43
Provision for Taxes 2,082 2,844 (26.79) 2,041 8.04
Net Income 5,508 6,743 (18.32) 5,522 (1.01)
Per Share Items ($)
2015 Q4 2014 Q4 Y-Y
Ch (%)
2015 Q3 Q-Q
Ch (%)
Book Value per Share 14.01 13.09 7.06 13.87 4.09
Tangible Book Value 11.96 10.96 9.08 11.80 5.35
Diluted EPS Before Extra 0.38 0.47 (19.15) 0.38 0.00
Diluted EPS After Extra 0.38 0.47 (19.15) 0.38 0.00
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2015 Q4 2014 Q4 Y-Y
Ch (bp)
2015 Q3 Q-Q
Ch (bp)
ROAA 0.97 1.23 (26) 0.98 (1)
ROAE 10.90 14.31 (341) 11.08 (18)
Net Interest Margin 3.73 3.94 (21) 3.75 (2)
Loans / Deposits 86.93 73.37 1,355 82.05 487
Efficiency Ratio 62.15 55.67 649 61.27 88
Balance Sheet Ratios (%)
2015 Q4 2014 Q4 Y-Y
Ch (bp)
2015 Q3 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.64 7.32 32 7.63 1
Equity/ Assets 8.84 8.61 22 8.84 (1)
Asset Quality Ratios (%)
2015 Q4 2014 Q4 Y-Y
Ch (bp)
2015 Q3 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.58 0.47 11 0.57 1
Loan Loss Reserves/ Gross Loans 1.06 1.28 (22) 1.14 (8)
Loan Loss Reserves/ NPAs 74.76 70.15 461 82.74 (798)
Net Charge-offs/ Avg Loans 0.30 0.22 8 0.20 10
Regulatory Capital Ratios (%)
2015 Q4 2014 Q4 Y-Y
Ch (bp)
2015 Q3 Q-Q
Ch (bp)
Tier 1 Capital Ratio NA 13.06 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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