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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 Q1 2016 Q1 Y-Y
Ch (%)
2016 Q4 Q-Q
Ch (%)
Loans Held for Investment, before Reserves 1,908,951 1,606,308 18.84 1,873,536 7.56
Loans Held for Sale, before Reserves 9,156 544 1,583.09 7,528 86.50
Loan Loss Reserve 16,546 16,738 (1.15) 16,330 5.29
Net Loans Receivable 1,901,561 1,590,114 19.59 1,864,734 7.90
Intangible Assets 41,253 29,374 40.44 41,584 (3.18)
Total Assets 2,592,307 2,301,001 12.66 2,573,821 2.87
Deposits 2,025,479 1,890,211 7.16 2,017,522 1.58
Debt, Senior and Subordinated 299,699 176,770 69.54 307,624 (10.30)
Common Equity 234,218 208,156 12.52 211,784 42.37
Total Shareholders' Equity 234,218 208,156 12.52 211,784 42.37
Shares Outstanding (actual) 15,297,360 14,457,955 5.81 14,467,815 22.93
Income Statement ($000)
2017 Q1 2016 Q1 Y-Y
Ch (%)
2016 Q4 Q-Q
Ch (%)
Net Interest Income 21,202 18,942 11.93 21,009 3.67
Provision for Loan Losses 1,016 1,196 (15.05) 2,111 (207.48)
Noninterest Income 4,390 3,768 16.51 4,605 (18.68)
Noninterest Expense 17,034 14,696 15.91 16,337 17.07
Net Income Before Taxes 8,925 6,709 33.03 7,065 105.31
Provision for Taxes 2,445 1,690 44.67 2,025 82.96
Net Income 6,480 5,019 29.11 5,040 114.29
Per Share Items ($)
2017 Q1 2016 Q1 Y-Y
Ch (%)
2016 Q4 Q-Q
Ch (%)
Book Value per Share 15.31 14.40 6.35 14.64 18.38
Tangible Book Value 12.61 12.37 2.01 11.76 28.91
Diluted EPS Before Extra 0.43 0.35 22.86 0.35 91.43
Diluted EPS After Extra 0.43 0.35 22.86 0.35 91.43
Dividends Declared 0.1650 0.1650 0.00 0.1650 0.00
Performance Ratios (%)
2017 Q1 2016 Q1 Y-Y
Ch (bp)
2016 Q4 Q-Q
Ch (bp)
ROAA 1.00 0.87 13 0.80 20
ROAE 11.39 9.65 174 9.41 198
Net Interest Margin 3.67 3.67 0 3.84 (17)
Loans / Deposits 94.25 84.98 927 92.86 138
Efficiency Ratio 65.27 61.77 350 60.72 455
Balance Sheet Ratios (%)
2017 Q1 2016 Q1 Y-Y
Ch (bp)
2016 Q4 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 7.56 7.87 (31) 6.72 84
Equity/ Assets 9.04 9.05 (1) 8.23 81
Asset Quality Ratios (%)
2017 Q1 2016 Q1 Y-Y
Ch (bp)
2016 Q4 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.83 0.57 26 0.64 19
Loan Loss Reserves/ Gross Loans 0.86 1.04 (18) 0.87 (1)
Loan Loss Reserves/ NPAs NA 75.27 NA 67.93 NA
Net Charge-offs/ Avg Loans 0.17 0.30 (13) 0.32 (15)
Regulatory Capital Ratios (%)
2017 Q1 2016 Q1 Y-Y
Ch (bp)
2016 Q4 Q-Q
Ch (bp)
Tier 1 Capital Ratio 11.58 11.97 (39) 10.49 109
   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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