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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 Q3 2015 Q3 Y-Y
Ch (%)
2016 Q2 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,800,858 1,516,121 18.78 1,655,844 35.03
Loans Held for Sale, before Reserves 2,814 551 410.71 863 904.29
Loan Loss Reserve 15,703 17,236 (8.89) 15,988 (7.13)
Net Loans Receivable 1,787,969 1,499,436 19.24 1,640,719 35.90
Intangible Assets 42,167 29,820 41.41 29,158 178.46
Total Assets 2,539,944 2,259,722 12.40 2,336,392 34.85
Deposits 2,023,781 1,847,692 9.53 1,890,595 28.18
Debt, Senior and Subordinated 275,822 186,650 47.77 206,273 134.87
Common Equity 215,489 199,851 7.82 210,938 8.63
Total Shareholders' Equity 215,489 199,851 7.82 210,938 8.63
Shares Outstanding (actual) 14,465,210 14,406,481 0.41 14,462,007 0.09
Income Statement ($000)
2016 Q3 2015 Q3 Y-Y
Ch (%)
2016 Q2 Q-Q
Ch (%)
Net Interest Income 21,933 19,038 15.21 19,403 52.16
Provision for Loan Losses 622 463 34.34 220 730.91
Noninterest Income 4,471 3,921 14.03 3,365 131.47
Noninterest Expense 16,788 15,006 11.88 15,125 43.98
Net Income Before Taxes 8,686 7,563 14.85 5,249 261.92
Provision for Taxes 2,270 2,041 11.22 1,184 366.89
Net Income 6,416 5,522 16.19 4,065 231.34
Per Share Items ($)
2016 Q3 2015 Q3 Y-Y
Ch (%)
2016 Q2 Q-Q
Ch (%)
Book Value per Share 14.90 13.87 7.39 14.59 8.54
Tangible Book Value 11.98 11.80 1.52 12.57 (18.70)
Diluted EPS Before Extra 0.44 0.38 15.79 0.28 228.57
Diluted EPS After Extra 0.44 0.38 15.79 0.28 228.57
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2016 Q3 2015 Q3 Y-Y
Ch (bp)
2016 Q2 Q-Q
Ch (bp)
ROAA 1.01 0.98 3 0.70 31
ROAE 11.92 11.08 84 7.72 420
Net Interest Margin 3.76 3.75 1 3.73 3
Loans / Deposits 88.98 82.05 693 87.58 140
Efficiency Ratio 60.44 62.22 (178) 63.19 (274)
Balance Sheet Ratios (%)
2016 Q3 2015 Q3 Y-Y
Ch (bp)
2016 Q2 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 6.94 7.63 (69) 7.88 (94)
Equity/ Assets 8.48 8.84 (36) 9.03 (54)
Asset Quality Ratios (%)
2016 Q3 2015 Q3 Y-Y
Ch (bp)
2016 Q2 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.65 0.57 8 0.54 11
Loan Loss Reserves/ Gross Loans 0.87 1.14 (27) 0.97 (9)
Loan Loss Reserves/ NPAs 61.96 82.74 (2,077) 74.65 (1,269)
Net Charge-offs/ Avg Loans 0.21 0.20 1 0.24 (3)
Regulatory Capital Ratios (%)
2016 Q3 2015 Q3 Y-Y
Ch (bp)
2016 Q2 Q-Q
Ch (bp)
Tier 1 Capital Ratio 10.52 12.46 (194) 11.75 (123)
   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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