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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)
2017 Q3 2016 Q3 Y-Y
Ch (%)
2017 Q2 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 2,098,574 1,800,858 16.53 2,020,829 15.39
Loans Held for Sale, before Reserves 1,672 2,814 (40.58) 1,652 4.84
Loan Loss Reserve 17,849 15,703 13.67 17,269 13.43
Net Loans Receivable 2,082,397 1,787,969 16.47 2,005,212 15.40
Intangible Assets 40,618 42,167 (3.67) 40,922 (2.97)
Total Assets 2,745,069 2,539,944 8.08 2,678,909 9.88
Deposits 2,060,610 2,023,781 1.82 2,076,789 (3.12)
Debt, Senior and Subordinated 412,778 275,822 49.65 333,560 95.00
Common Equity 244,448 215,489 13.44 240,292 6.92
Total Shareholders' Equity 244,448 215,489 13.44 240,292 6.92
Shares Outstanding (actual) 15,285,236 14,465,210 5.67 15,285,371 0.00
Income Statement ($000)
2017 Q3 2016 Q3 Y-Y
Ch (%)
2017 Q2 Q-Q
Ch (%)
Net Interest Income 23,517 21,933 7.22 22,989 9.19
Provision for Loan Losses 1,400 622 125.08 1,134 93.83
Noninterest Income 4,726 4,426 6.78 4,195 50.63
Noninterest Expense 17,618 16,741 5.24 17,797 (4.02)
Net Income Before Taxes 9,531 8,688 9.70 9,147 16.79
Provision for Taxes 2,285 2,272 0.57 2,464 (29.06)
Net Income 7,246 6,416 12.94 6,683 33.70
Per Share Items ($)
2017 Q3 2016 Q3 Y-Y
Ch (%)
2017 Q2 Q-Q
Ch (%)
Book Value per Share 15.99 14.90 7.35 15.72 6.92
Tangible Book Value 13.34 11.98 11.29 13.04 8.95
Diluted EPS Before Extra 0.47 0.44 6.82 0.44 27.27
Diluted EPS After Extra 0.47 0.44 6.82 0.44 27.27
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2017 Q3 2016 Q3 Y-Y
Ch (bp)
2017 Q2 Q-Q
Ch (bp)
ROAA 1.06 1.01 5 1.01 5
ROAE 11.88 11.92 (4) 11.17 71
Net Interest Margin 3.82 3.88 (6) 3.87 (5)
Loans / Deposits 101.84 88.98 1,286 97.31 454
Efficiency Ratio 61.30 60.37 93 62.39 (109)
Balance Sheet Ratios (%)
2017 Q3 2016 Q3 Y-Y
Ch (bp)
2017 Q2 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.54 6.94 60 7.56 (2)
Equity/ Assets 8.90 8.48 42 8.97 (6)
Asset Quality Ratios (%)
2017 Q3 2016 Q3 Y-Y
Ch (bp)
2017 Q2 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.75 0.65 10 0.79 (4)
Loan Loss Reserves/ Gross Loans 0.85 0.87 (2) 0.85 0
Loan Loss Reserves/ NPAs NA 64.74 NA 61.13 NA
Net Charge-offs/ Avg Loans 0.16 0.21 (5) 0.08 8
Regulatory Capital Ratios (%)
2017 Q3 2016 Q3 Y-Y
Ch (bp)
2017 Q2 Q-Q
Ch (bp)
Tier 1 Capital Ratio 11.12 10.67 45 11.29 (17)
   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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