/ CD0190
Consolidated Financial Highlights
Message to Shareholders
Executive Management and Board of Directors
Officers
Shareholder Infornnation
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CNB FINANCIAL CORPORATION |||||2011 ANNUAL REPORT HIGHLIGHTS
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Boenning & Scattergood, Inc.
1700 Market Street Ste 1420
Philadelphia, PA 19103
(800) 842-8928
RBC Capital Markets
Three World Financial Center
200 Vesey Street, 9th Floor
New York, NY 10281
( 2 1 2 ) 4 2 8 - 6 2 00
Corporate Profile
CNB Financial Corporation is a leader in providing
integrated financial solutions which create value for both
consumers and businesses. These solutions encompass
checking, savings, time and deposit accounts. Private
Banking, loans and lines of credit (real estate, commercial,
industrial, residential and consumer), credit cards, cash
management, online banking, electronic check deposit
merchant credit card processing, on-site banker and
accounts receivable handling. In addition, the Corporation
provides wealth and asset management sen/ices, retirement
plans and other employee benefit plans.
CNB Bank
A subsidiary of CNB Financial Corporation, CNB is a
regional independent community bank in North Central
Pennsylvania with approximately 316 employees who make
customer service more responsive and reliable. For over
145 years, the Bank has strived to be more customer-driven
than its competitors and to build long-term customer
relationships by being reliable and competitively priced.
CNB continually seeks innovative ways to execute a
personal, quality-driven customer service strategy and prides
itself for being first-to-market many of these innovations. To
satisfy customers' financial needs and expectations, it offers
a variety of delivery channels, which includes 22 full-service
offices, 20 ATMs, 1 loan production office, telephone
banking (1-866-224-7314), Intemet banking
(www.bankcnb.com) and a centralized customer service
center (1-800-492-3221).
ERIEBANK
Headquartered in Erie, Pennsylvania, ERIEBANK is a
division of CNB Bank. Presently there are five full service
locations which house its commercial, retail and Private
Banking divisions.
Holiday Financial Services
Another subsidiary of CNB Financial Corporation, Holiday
Financial Sen/ices, a consumer loan company currently has
eight conveniently located offices in Bellefonte, Bradford,
Clearfield, Duncansville, Erie, Northern Cambria, Ridgway
and Sidman, Pennsylvania.
The common stock of the Corporation trades on the
NASDAQ National Market under the symbol CCNE,
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CNB FINANCIAL CORPORATION ||||| 2011 ANNUAL REPORT HIGHLIGHTS