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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 Q4 2015 Q4 Y-Y
Ch (%)
2016 Q3 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,870,870 1,577,798 18.57 1,800,858 15.55
Loans Held for Sale, before Reserves 10,194 1,381 638.16 2,814 1,049.04
Loan Loss Reserve 16,330 16,737 (2.43) 15,703 15.97
Net Loans Receivable 1,864,734 1,562,442 19.35 1,787,969 17.17
Intangible Assets 41,584 29,589 40.54 42,167 (5.53)
Total Assets 2,573,821 2,285,136 12.63 2,539,944 5.34
Deposits 2,023,978 1,815,053 11.51 2,023,781 0.04
Debt, Senior and Subordinated 307,624 241,135 27.57 275,822 46.12
Common Equity 211,784 201,913 4.89 215,489 (6.88)
Total Shareholders' Equity 211,784 201,913 4.89 215,489 (6.88)
Shares Outstanding (actual) 14,467,815 14,408,430 0.41 14,465,210 0.07
Income Statement ($000)
2016 Q4 2015 Q4 Y-Y
Ch (%)
2016 Q3 Q-Q
Ch (%)
Net Interest Income 21,009 18,928 10.99 21,933 (16.85)
Provision for Loan Losses 2,111 668 216.02 622 957.56
Noninterest Income 4,624 4,614 0.22 4,471 13.69
Noninterest Expense 16,354 15,078 8.46 16,788 (10.34)
Net Income Before Taxes 7,067 7,590 (6.89) 8,686 (74.56)
Provision for Taxes 2,027 2,082 (2.64) 2,270 (42.82)
Net Income 5,040 5,508 (8.50) 6,416 (85.79)
Per Share Items ($)
2016 Q4 2015 Q4 Y-Y
Ch (%)
2016 Q3 Q-Q
Ch (%)
Book Value per Share 14.64 14.01 4.46 14.90 (6.95)
Tangible Book Value 11.76 11.96 (1.64) 11.98 (7.28)
Diluted EPS Before Extra 0.35 0.38 (7.89) 0.44 (81.82)
Diluted EPS After Extra 0.35 0.38 (7.89) 0.44 (81.82)
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2016 Q4 2015 Q4 Y-Y
Ch (bp)
2016 Q3 Q-Q
Ch (bp)
ROAA 0.80 0.97 (17) 1.01 (21)
ROAE 9.41 10.90 (149) 11.92 (251)
Net Interest Margin 3.84 3.73 11 3.88 (4)
Loans / Deposits 92.44 86.93 551 88.98 345
Efficiency Ratio 62.45 61.25 120 60.44 201
Balance Sheet Ratios (%)
2016 Q4 2015 Q4 Y-Y
Ch (bp)
2016 Q3 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 6.72 7.64 (92) 6.94 (22)
Equity/ Assets 8.23 8.84 (61) 8.48 (26)
Asset Quality Ratios (%)
2016 Q4 2015 Q4 Y-Y
Ch (bp)
2016 Q3 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.64 0.57 7 0.65 (1)
Loan Loss Reserves/ Gross Loans 0.87 1.06 (19) 0.87 0
Loan Loss Reserves/ NPAs 65.07 75.67 (1,060) 61.96 311
Net Charge-offs/ Avg Loans 0.32 0.30 2 0.21 11
Regulatory Capital Ratios (%)
2016 Q4 2015 Q4 Y-Y
Ch (bp)
2016 Q3 Q-Q
Ch (bp)
Tier 1 Capital Ratio 10.33 12.14 (181) 10.52 (19)
   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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