CNB Financial Services (CNB Financial Services) Effective Interest Rate on Debt % : 160.00% (As of Sep. 2010)

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What is CNB Financial Services Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. CNB Financial Services's annualized positive value of Interest Expense for the quarter that ended in Sep. 2010 was $4.68 Mil. CNB Financial Services's average total debt for the quarter that ended in Sep. 2010 was $2.93 Mil. Therefore, CNB Financial Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2010 was 160.00%.

CNB Financial Services Effective Interest Rate on Debt % Historical Data

The historical data trend for CNB Financial Services's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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CNB Financial Services Effective Interest Rate on Debt % Chart

CNB Financial Services Annual Data

Trend

Dec05

Dec06

Dec07

Dec08

Dec09

Effective Interest Rate on Debt %

21.63

34.54

27.59

20.04

33.99

CNB Financial Services Quarterly Data
	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09	Jun09	Sep09	Dec09	Mar10	Jun10	Sep10
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															54.16	66.78	134.51	237.91	160.00

Competitive Comparison of CNB Financial Services's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, CNB Financial Services's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

CNB Financial Services's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, CNB Financial Services's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where CNB Financial Services's Effective Interest Rate on Debt % falls into.

CNB Financial Services Effective Interest Rate on Debt % Calculation

CNB Financial Services's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2009 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2008 )	+	Total Debt (A: Dec. 2009 ))	/ count )
=	-1 * -5.412	/	( (25.445	+	6.4)	/ 2 )
=	-1 * -5.412	/	15.9225
=	33.99 %

where

	Total Debt (A: Dec. 2008 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	25.445	+	0
=	25.445

	Total Debt (A: Dec. 2009 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	6.4	+	0
=	6.4

CNB Financial Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2010 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jun. 2010 )	+	Total Debt (Q: Sep. 2010 ))	/ count )
=	-1 * -4.68	/	( (2.925	+	0)	/ 1 )
=	-1 * -4.68	/	2.925
=	160.00 %

where

	Total Debt (Q: Jun. 2010 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	2.925	+	0
=	2.925

	Total Debt (Q: Sep. 2010 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Sep. 2010) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

CNB Financial Services (OTCPK:CBFC) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

CNB Financial Services Effective Interest Rate on Debt % Related Terms

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CNB Financial Services (CNB Financial Services) Business Description

Industry

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Traded in Other Exchanges

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Address

101 S. Washington Street, Berkeley Springs, WV, USA, 25411

Website

https://www.cnb.bank

CNB Financial Services Inc operates as the bank holding company for CNB Bank, Inc which is a full-service commercial bank conducting general banking and trust activities through various full-service offices and automated teller machines located in Morgan and Berkeley Counties, West Virginia and Washington County, Maryland among others. The sources of revenue for the Bank are interest income from loans and investments and non-interest income.

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