Call reports 2019
LCNB NATIONAL BANK — 2019
What LCNB NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,629,643,000 | 1,638,367,000 | 1,641,770,000 | 1,636,413,000 |
| Total loans | 1,207,135,000 | 1,230,261,000 | 1,225,892,000 | 1,243,451,000 |
| Allowance for loan losses | 4,126,000 | 4,112,000 | 4,167,000 | 4,045,000 |
| Securities available for sale | 217,668,000 | 198,660,000 | 191,230,000 | 178,000,000 |
| Securities held to maturity | 32,363,000 | 33,343,000 | 34,031,000 | 27,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,348,654,000 | 1,357,975,000 | 1,355,944,000 | 1,351,532,000 |
| Interest-bearing deposits | 1,015,550,000 | 1,020,525,000 | 1,019,373,000 | 992,614,000 |
| Noninterest-bearing deposits | 333,104,000 | 337,450,000 | 336,571,000 | 358,918,000 |
| Equity capital | 219,787,000 | 219,231,000 | 221,909,000 | 222,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 16,093,000 | 32,402,000 | 48,709,000 | 65,111,000 |
| Interest expense | 2,702,000 | 5,429,000 | 8,168,000 | 10,743,000 |
| Net interest income | 13,391,000 | 26,973,000 | 40,541,000 | 54,368,000 |
| Noninterest income | 2,958,000 | 6,138,000 | 9,684,000 | 13,081,000 |
| Noninterest expense | 10,820,000 | 21,764,000 | 32,861,000 | 44,022,000 |
| Provision for loan losses | -105,000 | -51,000 | 213,000 | 207,000 |
| Pretax income | 5,638,000 | 11,421,000 | 17,168,000 | 23,228,000 |
| Income tax | 986,000 | 2,028,000 | 3,041,000 | 4,325,000 |
| Net income | 4,652,000 | 9,393,000 | 14,127,000 | 18,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,486,000 | 156,013,000 | 158,109,000 | 158,648,000 |
| Total capital | 162,612,000 | 160,125,000 | 162,276,000 | 162,693,000 |
| Risk-weighted assets | 1,241,544,000 | 1,254,261,000 | 1,279,679,000 | 1,299,173,000 |