Financial HighlightsCNB FINANCIAL CORPORATION (NASDAQ - CCNE)  
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2020 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,030,1712,622,35815.552,850,66025.19
Loans Held for Sale, before Reserves6,0652,032198.471,815936.64
Loan Loss Reserve24,52921,43714.4221,91547.71
Net Loans Receivable3,011,7072,602,95315.702,830,56025.60
Intangible Assets38,73839,126(0.99)38,807(0.71)
Total Assets4,469,5513,400,97431.423,779,13873.08
Deposits3,596,0222,734,76231.493,100,21663.97
Debt, Senior and Subordinated486,933346,93240.35316,348215.69
Common Equity330,272286,61515.23324,8026.74
Total Shareholders' Equity330,272286,61515.23324,8026.74
Shares Outstanding (actual)15,396,56115,197,9831.3115,396,6170.00
Income Statement ($000)
2020 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Net Interest Income29,93828,7943.9729,994(0.75)
Provision for Loan Losses5,6801,788217.673,079337.90
Noninterest Income5,7596,210(7.26)5,36429.46
Noninterest Expense21,73721,865(0.59)21,6701.24
Net Income Before Taxes10,00811,814(15.29)10,537(20.08)
Provision for Taxes1,7622,047(13.92)1,7248.82
Net Income8,2469,767(15.57)8,813(25.73)
Per Share Items ($)
2020 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Book Value per Share21.4518.8613.7521.106.74
Tangible Book Value18.9416.2816.2818.587.75
Diluted EPS Before Extra0.540.64(15.62)0.57(21.05)
Diluted EPS After Extra0.540.64(15.62)0.57(21.05)
Dividends Declared0.17000.17000.000.17000.00
Performance Ratios (%)
2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
ROAA0.801.18(38)0.95(15)
ROAE10.3014.05(375)11.32(102)
Net Interest Margin3.143.76(62)3.49(35)
Loans / Deposits84.2695.89(1,163)91.95(769)
Efficiency Ratio57.7661.06(330)60.34(258)
Balance Sheet Ratios (%)
2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.587.36(78)7.65(107)
Equity/ Assets7.398.43(104)8.59(121)
Asset Quality Ratios (%)
2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.680.46220.89(21)
Loan Loss Reserves/ Gross Loans0.810.82(1)0.774
Loan Loss Reserves/ NPAsNA95.71NA56.08NA
Net Charge-offs/ Avg Loans0.420.11310.0933
Regulatory Capital Ratios (%)
2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio10.4810.232510.1533
   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.



Copyright 2020, © S&P Global Market Intelligence  Terms of Use