EXHIBIT 99A
CCFNB BANCORP, INC.
SELECTED CONSOLIDATED FINANCIAL DATA
(Dollar Amounts in Thousands)
The following table sets forth the composition of CCFNB's loan portfolio as
of the date indicated:
For the Years Ended December 31,
--------------------------------
2002 2001 2000 1999 1998
-------- -------- -------- -------- --------
Commercial $ 15,033 $ 13,091 $ 14,412 $ 15,559 $ 8,991
Tax Exempt 3,535 1,947 2,747 2,124 2,512
Municipal Leases 0 0 122 173 20
Real Estate-Construction 1,185 2,538 1,648 2,509 1,278
Real Estate 123,746 115,716 106,604 102,108 96,742
Personal 7,902 9,962 12,317 12,562 9,461
$151,401 $143,254 $137,850 $135,035 $119,004
Unamortized Loan Fees net of
Costs 139 15 486 28 70
Unearned Discount 76 279 4 584 376
-------- -------- -------- -------- --------
Loans, Net $151,338 $142,990 $137,360 $134,423 $118,558
======== ======== ======== ======== ========
The following table presents the percentage distribution of loans by
category as of the date indicated:
For the Years' ended December 31,
--------------------------------
2002 2001 2000 1999 1998
-------- -------- -------- -------- --------
Commercial 9.93% 9.14% 10.45% 11.57% 7.56%
Tax Exempt 2.33% 1.36% 1.99% 1.58% 2.11%
Municipal Leases 0.00% 0.00% 0.09% 0.13% 0.02%
Real Estate-Construction 0.78% 1.77% 1.20% 1.87% 1.07%
Real Estate 81.73% 80.78% 77.33% 75.94% 81.29%
Personal 5.22% 6.95% 8.94% 8.91% 7.95%
Total Loans 100.00% 100.00% 100.00% 100.00% 100.00%
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The following table shows the maturity of loans in the specified categories
of CCFNB's loan portfolio at December 31, 2002, and the amount of such loans
with predetermined fixed rates or with floating or adjustable rates:
December 31, 2002
-----------------
Maturing Maturing
Maturing After After Maturing
In One One Year Five Years After
Year Through Through Ten
Or Less Five Years Ten Years Years Total
------- ---------- --------- ----- -----
Amounts in Thousands
Commercial, Tax Exempt, Qualified
Municipal Leases, Real Estate
and Personal Loans $ 65,759 $ 61,467 $ 18,656 $ 4,271 $150,153
Real Estate-Construction Loans 1,185 0 0 0 1,185
-------- -------- -------- -------- --------
Total $ 66,944 $ 61,467 $ 18,656 $ 4,271 $151,338
-------- -------- -------- -------- --------
Amount of Such Loans with:
Predetermined Fixed Rates $ 9,955 $ 20,250 $ 12,944 $ 4,271 $ 47,420
Floating or Adjustable Rates 56,989 41,217 5,712 0 $103,918
-------- -------- -------- -------- --------
Total $ 66,944 $ 61,467 $ 18,656 $ 4,271 $151,338
======== ======== ======== ======== ========
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The following table presents a summary of CCFNB's loan loss experience as
of the dates indicated:
For The Years Ended December 31,
--------------------------------
2002 2001 2000 1999 1998
--------- --------- --------- --------- ---------
Loans Outstanding at End of Period $ 151,338 $ 142,990 $ 137,360 $ 134,423 $ 118,558
Average Loans Outstanding During the Period $ 147,545 $ 139,219 $ 134,325 $ 123,185 $ 116,771
Allowance for Loan Losses:
Balance, Beginning of Period $ 1,028 $ 1,008 $ 985 $ 955 $ 901
Loans Charged Off:
Commercial and Industrial (29) (94) 0 (5) 0
Real Estate Mortgages (17) (13) (1) 0 (8)
Consumer (54) (82) (97) (94) (63)
Municipal Leases 0 0 0 0 0
Credit Cards 0 0 0 (1) (12)
--------- --------- --------- --------- ---------
Total Loans Charged Off (100) (189) (98) (100) (83)
Recoveries:
Commercial and Industrial 19 14 5 8 3
Real Estate Mortgages 0 0 3 0 8
Consumer 42 29 55 43 34
Lease Financing Receivables 0 0 0 0 6
Credit Cards 0 3 4 1 8
--------- --------- --------- --------- ---------
Total Recoveries: 61 46 67 52 59
---------
Net Loans Charged Off (39) (143) (31) (48) (24)
Provision for Loan Losses 390 163 54 78 78
Balance, End of Period $ 1,298 $ 1,028 $ 1,008 $ 985 $ 955
--------- --------- --------- --------- ---------
Net Loans Charged Off During the Period
as a Percentage of Average Loans
Outstanding During the Period 0.03% 0.01% 0.02% 0.04% 0.02%
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The following table presents an allocation of CCFNB's allowance for loan
losses as to indicated categories as of the dates indicated:
For The Years Ended December 31,
--------------------------------
2002 2001 2000 1999 1998
------ ------ ------ ------ ------
Commercial $ 406 $ 372 $ 173 $ 270 $ 202
Real Estate Mortgages 723 464 318 341 510
Consumer 66 94 79 88 196
Credit Cards 0 0 0 0 0
Municipal Leases 0 0 0 0 0
Unallocated 103 98 438 286 47
------ ------ ------ ------ ------
Total $1,298 $1,028 $1,008 $ 985 $ 955
The following table presents a summary of CCFNB's nonaccrual, restructured
and past due loans as of the date indicated:
For The Years Ended December 31,
--------------------------------
2002 2001 2000 1999 1998
------- ------- ------- ------- -------
Nonaccrual, Restructured and Past Due Loans:
Nonaccrual Loans $ 2,112 $ 729 $ 312 $ 199 $ 537
Restructured Loans on Accrual Status 0 0 0 0 0
Accrual Loans Past Due 90 Days or More 50 969 344 157 415
------- ------- ------- ------- -------
Total Nonaccrual, Restructured and Past
Due Loans $ 2,162 $ 1,698 $ 656 $ 356 $ 952
Other Real Estate $ 68 $ 0 $ 0 $ 0 $ 24
Interest Income That Would Have Been
Recorded Under Original Terms $63,462 $37,712 $24,225 $16,089 $55,411
Interest Income Recorded During the Period $67,873 $61,568 $ 5,023 $ 0 $ 9,609
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