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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 Q2 2014 Q2 Y-Y
Ch (%)
2015 Q1 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,451,464 1,308,331 10.94 1,356,126 28.12
Loans Held for Sale, before Reserves 2,271 942 141.08 1,661 146.90
Loan Loss Reserve 17,504 17,415 0.51 17,682 (4.03)
Net Loans Receivable 1,436,231 1,291,858 11.18 1,340,105 28.69
Intangible Assets 30,083 31,201 (3.58) 30,348 (3.49)
Total Assets 2,253,789 2,156,665 4.50 2,180,140 13.51
Deposits 1,862,748 1,851,047 0.63 1,867,381 (0.99)
Debt, Senior and Subordinated 172,264 106,228 62.16 96,272 315.74
Common Equity 192,737 177,186 8.78 195,882 (6.42)
Total Shareholders' Equity 192,737 177,186 8.78 195,882 (6.42)
Shares Outstanding (actual) 14,404,466 14,371,983 0.23 14,402,362 0.06
Income Statement ($000)
2015 Q2 2014 Q2 Y-Y
Ch (%)
2015 Q1 Q-Q
Ch (%)
Net Interest Income 18,151 18,443 (1.58) 18,590 (9.45)
Provision for Loan Losses 486 1,501 (67.62) 943 (193.85)
Noninterest Income 3,669 3,376 8.68 3,078 76.80
Noninterest Expense 14,121 12,608 12.00 13,093 31.41
Net Income Before Taxes 7,685 7,848 (2.08) 7,651 1.78
Provision for Taxes 2,083 2,231 (6.63) 2,086 (0.58)
Net Income 5,602 5,617 (0.27) 5,565 2.66
Per Share Items ($)
2015 Q2 2014 Q2 Y-Y
Ch (%)
2015 Q1 Q-Q
Ch (%)
Book Value per Share 13.38 12.33 8.53 13.60 (6.48)
Tangible Book Value 11.29 10.16 11.17 11.49 (7.02)
Diluted EPS Before Extra 0.39 0.39 0.00 0.39 0.00
Diluted EPS After Extra 0.39 0.39 0.00 0.39 0.00
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2015 Q2 2014 Q2 Y-Y
Ch (bp)
2015 Q1 Q-Q
Ch (bp)
ROAA 1.00 1.04 (4) 1.02 (2)
ROAE 11.48 12.58 (110) 11.47 1
Net Interest Margin 3.62 3.79 (17) 3.82 (20)
Loans / Deposits 77.92 70.68 724 72.62 530
Efficiency Ratio 61.58 54.65 693 57.22 436
Balance Sheet Ratios (%)
2015 Q2 2014 Q2 Y-Y
Ch (bp)
2015 Q1 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.31 6.87 45 7.70 (39)
Equity/ Assets 8.55 8.22 34 8.98 (43)
Asset Quality Ratios (%)
2015 Q2 2014 Q2 Y-Y
Ch (bp)
2015 Q1 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.58 0.62 (4) 0.47 11
Loan Loss Reserves/ Gross Loans 1.20 1.33 (13) 1.30 (10)
Loan Loss Reserves/ NPAs 72.44 85.18 (1,274) 69.80 265
Net Charge-offs/ Avg Loans 0.19 0.23 (4) 0.19 0
Regulatory Capital Ratios (%)
2015 Q2 2014 Q2 Y-Y
Ch (bp)
2015 Q1 Q-Q
Ch (bp)
Tier 1 Capital Ratio NA 12.83 NA 12.84 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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