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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)
2014 Q2 2013 Q2 Y-Y
Ch (%)
2014 Q1 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,308,331 982,947 33.10 1,294,096 4.40
Loans Held for Sale, before Reserves 942 53 1,677.36 329 745.29
Loan Loss Reserve 17,415 15,500 12.35 16,674 17.78
Net Loans Receivable 1,291,858 967,500 33.53 1,277,751 4.42
Intangible Assets 31,201 11,000 183.65 31,509 (3.91)
Total Assets 2,156,665 1,809,445 19.19 2,134,061 4.24
Deposits 1,851,047 1,546,546 19.69 1,828,658 4.90
Debt, Senior and Subordinated 106,228 121,097 (12.28) 111,769 (19.83)
Common Equity 177,186 130,980 35.28 172,281 11.39
Total Shareholders' Equity 177,186 130,980 35.28 172,281 11.39
Shares Outstanding (actual) 14,371,983 12,511,095 14.87 14,464,842 (2.57)
Income Statement ($000)
2014 Q2 2013 Q2 Y-Y
Ch (%)
2014 Q1 Q-Q
Ch (%)
Net Interest Income 18,443 13,826 33.39 18,280 3.57
Provision for Loan Losses 1,501 3,115 (51.81) 1,019 189.21
Noninterest Income 3,376 3,519 (4.06) 3,139 30.20
Noninterest Expense 12,608 10,254 22.96 13,261 (19.70)
Net Income Before Taxes 7,848 3,689 112.74 7,205 35.70
Provision for Taxes 2,231 738 202.30 2,039 37.67
Net Income 5,617 2,951 90.34 5,166 34.92
Per Share Items ($)
2014 Q2 2013 Q2 Y-Y
Ch (%)
2014 Q1 Q-Q
Ch (%)
Book Value per Share 12.33 10.47 17.76 11.91 14.05
Tangible Book Value 10.16 9.59 5.92 9.73 17.49
Diluted EPS Before Extra 0.39 0.24 62.50 0.36 33.33
Diluted EPS After Extra 0.39 0.24 62.50 0.36 33.33
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2014 Q2 2013 Q2 Y-Y
Ch (bp)
2014 Q1 Q-Q
Ch (bp)
ROAA 1.04 0.65 39 0.97 7
ROAE 12.58 8.28 430 11.97 61
Net Interest Margin 3.79 3.35 44 3.79 0
Loans / Deposits 70.68 63.56 712 70.77 (9)
Efficiency Ratio 54.65 57.01 (235) 58.72 (407)
Balance Sheet Ratios (%)
2014 Q2 2013 Q2 Y-Y
Ch (bp)
2014 Q1 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 6.87 6.67 20 6.70 17
Equity/ Assets 8.22 7.24 98 8.07 14
Asset Quality Ratios (%)
2014 Q2 2013 Q2 Y-Y
Ch (bp)
2014 Q1 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.62 1.10 (48) 0.62 0
Loan Loss Reserves/ Gross Loans 1.33 1.58 (25) 1.29 4
Loan Loss Reserves/ NPAs 85.18 55.64 2,954 81.00 418
Net Charge-offs/ Avg Loans 0.23 0.63 (40) 0.18 5
Regulatory Capital Ratios (%)
2014 Q2 2013 Q2 Y-Y
Ch (bp)
2014 Q1 Q-Q
Ch (bp)
Tier 1 Capital Ratio 12.83 13.86 (103) 12.75 8
   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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